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USDA Home Loans

USDA Loans

Location is everything. Purchasing a home in a rural area may mean you qualify for a mortgage loan backed by the USDA Rural Development program. 

Loans for Rural Areas
USDA provides fully-financed mortgage loans to eligible borrowers in specified rural areas¹. Designed to help home buyers with low-to-moderate income levels, USDA mortgage loans are guaranteed against loss by the federal government and offer many benefits to borrowers who might otherwise have difficulty obtaining a loan. 


Get Started

Take the first step in owning your new home

Unlock the door to owning a home with the help of Premier Bank. Use our helpful homebuying articles and calculators to prepare. When you're ready, our local lenders are here to help. 
  • Local lenders take the time to understand your needs
  • We walk you through all the programs you may qualify for
  • Help you understand the difference between mortgage and lending options
  • Start the process to get pre-qualified or pre-approved
  • Save you money with competitive rates and low closing costs
Find a Local Mortgage Lender

Let’s Talk Options!

Talk to a Premier mortgage loan officer about home loan options and USDA loans. 
Apply Now Find a Local Mortgage Lender

Helpful Links

  • How Much Home Can I Afford?

    When buying a home, it’s important to have a realistic budget. Here are six factors to consider.

    Learn More
  • Home Loan Application Checklist

    Do you have what you need to apply for a mortgage? Our home loan application checklist makes it easy.

    Learn More
  • Mortgage Calculators

    Our mortgage calculators help you calculate monthly payments, consider terms and more.

    Learn More
Offer of credit is subject to credit approval. 

¹ To be eligible for the USDA home loan, you must be purchasing a property in a rural area (as defined by the USDA) and you must meet regional income restriction