USDA Loans
No down payment financing for eligible properties outside major metro areas — backed by the U.S. Department of Agriculture.
Talk to a Local ExpertWhy buyers choose USDA Loans.
No down payment required
Finance up to 100% of the purchase price on eligible rural and suburban properties.
Below-market interest rates
USDA loans often carry lower rates than comparable conventional financing.
Reduced mortgage insurance costs
Guarantee fees are typically lower than FHA mortgage insurance premiums.
More areas qualify than you'd think
Many suburban areas just outside major cities still meet USDA eligibility maps.
Ready to see if your property qualifies?
USDA eligibility depends on the property location and your household income. Watch a short walkthrough of the steps, or connect directly with a local expert who can check your address.
Talk to a Local Expert
We're here to help. Anytime.
Have questions about USDA property eligibility or income limits? Get neighborly, straight answers.
Better equipped to help you qualify.
By funding loans with our own capital, we go beyond traditional options to find the USDA program that actually fits your situation.
More than just loans.
We reinvest locally across Knoxville, Nashville, Sevierville, Dayton, and now Florida — because we're part of the same communities we lend in.
Not sure USDA Loans is the right fit?
Four steps from application to keys in hand.
Complete your application on your own schedule. Your loan officer handles the rest.
Tell us about you
Submit your application online and upload documentation securely — no paperwork required.
Choose your program
Your loan officer walks you through the rate and program that fits your situation best.
Get approved
We review your loan, order the appraisal, and verify details — funded with our own capital.
Close your loan
Sign your final documents and get your keys. You'll stay a part of the FCLS family after close.
Learn more with articles from our blog.
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