Home loan options

USDA Loans

A USDA Loan isn't just for farmers

USDA Loans (United States Department of Agriculture Loans) aren’t just for farmers. A USDA loan program may be available to you if you live outside of a large metropolitan area.
Get the facts about USDA Loans and enjoy an easy approval process. Talk with a friendly Omega loan expert and we’ll find out if a USDA home loan is the right program for you.
  • Low rates and easy approval
  • Expert USDA Loan advice
  • Quick approval and closing complete within 30 days
USDA Loans


USDA Loans are intended to provide mid-to-lower-income homeowners with 100% financing.

The United States Department of Agriculture sponsors the USDA home loan to promote homeownership in less-dense communities across the U.S.

The U.S. Department of Agriculture Loan is often known as the USDA Rural Development Loan (RD Loan) or Rural Housing Loan. The program is part of the larger Rural Housing Service under USDA’s umbrella of programs.

If you meet all of the following conditions, you may be eligible to use the USDA Loan program:

  • The property must be in an eligible rural area
  • The property must not be a working farm
  • Your household income, which includes everyone in the home, must not exceed 115% of the area median family income
Talk with a friendly Omega loan expert and we’ll find the right home loan program for you.


  • May help low-to-moderate-income borrowers qualify
  • No down payment for eligible applicants in designated rural areas
  • Allows seller contribution to closing costs
  • Lower monthly payment