ByBestmoney StaffJul.15, 2021
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In a Nutshell is a simple online platform where you can see if you qualify for a USDA-backed mortgage. If you do, will match you with a lender to get the most suitable mortgage terms for your needs. Checking your eligibility with this online lending marketplace and getting matched to a lender is free and takes a few minutes. also offers a variety of resources to help you understand how USDA loans work.


  • Checks your eligibility for a USDA loan
  • Matches you with a suitable USDA lender
  • Online resources to understand USDA loans


  • Many borrowers do not qualify
  • Must provide contact information
  • Limited loan term options at a Glance 

Direct lender or marketplace Marketplace
Loan types USDA-backed mortgages
Loan amount Varies by area
Repayment terms 15- or 30-year fixed-rate
APR Varies by lender
Suitable for Low-income buyers in rural and suburban areas

Overview makes it easy to check your eligibility for a USDA loan and, if you qualify, to get matched with an experienced USDA lender. All you have to do is fill out a short online questionnaire and will automatically match you with the ideal USDA lender for your situation.

The platform also has a library of online resources explaining how USDA loans work, including information about qualifications, interest rates, and more. There’s also a USDA mortgage calculator, which you can use to determine your budget for a new home.

Suitable For? is most helpful for low-income homebuyers in rural and suburban areas. USDA loans offer a zero down payment option and don’t have strict credit requirements like traditional mortgages. In addition, you may qualify for a much lower rate with a USDA-backed mortgage than you would with a traditional or FHA mortgage.

Types of Loans is a lending marketplace rather than a direct lender. The platform can only match you with a lender if you qualify for a USDA loan. USDA loans don’t have a minimum credit requirement and don’t require any money down (although you will have to pay for mortgage insurance in this case). One thing to note is that the USDA typically only funds homes that are less than 2,000 square feet in size.

  • Maximum loan: Varies by county
  • Qualifications: Home less than 2,000 sq. ft, buyer must not qualify for traditional mortgages, home must be in rural or suburban area
  • Down payment: Option for 0% (requires mortgage insurance)

Application Process

To check your eligibility for a USDA loan and get matched with a USDA lender, enter information about your planned home purchase, including the location, expected cost, and whether it will be your primary residence. You will also need to enter your credit score and contact information so a matched USDA lender can get in touch. At the end of the process, will determine your eligibility and, if you qualify, match you with the right USDA lender for your needs.

Note that although you don’t need to provide any documentation for, you will need credit and tax documents to be approved for a mortgage.

Rates and Fees isn’t a direct lender and is completely free to use. The rates and fees you will pay for a USDA loan, if you qualify, are determined by your matched lender and the USDA.

Repayment Terms

USDA loans are available as 15-year and 30-year fixed-rate mortgages. Interest rates vary by lender. Note that if you choose to pay no money down, you will also need to purchase mortgage insurance.

Help & Support

You can get in touch with the support team by email. Representatives typically respond within 1-2 business days.



Do I have to put money down for a USDA loan?

You do not have to make a down payment when buying a home with a USDA loan. However, if you put little or no money down, you will be required to purchase mortgage insurance.

Is there a minimum credit score required for a USDA loan?

USDA loans do not require a minimum credit score and are specifically designed for individuals who do not qualify for traditional mortgages.

What is the maximum amount I can borrow through a USDA loan?

The maximum amount you can borrow through a USDA loan varies by area. See the USDA’s website for a list of the maximum loan amount by county.

Can I use even if I don’t qualify for a USDA loan? can only match you with a USDA lender. If you don’t qualify for a USDA loan, will offer suggestions for other ways you can get a mortgage.


Mortgage Research Center, LLC, 2101 Chapel Plaza Ct., Columbia, MO 65203

Summary is a great starting point for low-income home buyers looking to purchase a home in a rural or suburban area. This site can help you determine your eligibility for a USDA loan in minutes and match you with a trusted USDA lender. Plus, has detailed guides that cover everything you need to know about buying a home with a USDA loan.
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