We are the KEY to Providing USDA Loans for R.E. Investors.

 1. 100% Financing Available – Many USDA loan programs offer no down payment requirements, making it easier to secure funding.

 2. Low-Interest Rates – Competitive fixed and variable interest rates compared to conventional and commercial loans.

 3. Long Repayment Terms – Terms typically range from 25 to 40 years, depending on the loan type and purpose.

 4. Government-Backed Guarantee – USDA loans are backed by the U.S. Department of Agriculture, reducing lender risk and making it easier to qualify.

 5. Flexible Credit Requirements – More lenient credit score requirements compared to traditional commercial financing.

 6. Available for Rural and Some Suburban Areas – Properties must be located in USDA-designated eligible areas, typically rural or small-town regions.

 7. Supports a Range of Property Types – USDA loans can finance agricultural properties, income-producing farms, rural commercial real estate, mixed-use properties, and multifamily housing.

 8. Funds for Development & Improvements – Can be used for land acquisition, new construction, property rehabilitation, infrastructure development, and essential building improvements.

 9. Business & Commercial Use Eligibility – Certain USDA programs, such as the Business & Industry (B&I) Loan Guarantee Program, allow financing for commercial real estate, including hotels, retail spaces, and rural business properties.

 10. Energy Efficiency Incentives – Eligible properties can include renewable energy projects or energy-efficient improvements under specific USDA loan programs.

 11. Refinancing Options Available – Some USDA loan programs allow refinancing to secure better rates and terms for existing debt on qualifying properties.

 12. Low or No Private Mortgage Insurance (PMI) – USDA loans often require minimal or no private mortgage insurance, lowering overall borrowing costs.

USDA Rural Development Loan Features (Community-Focused Financing):

Designed to support residential, community, and small business development in rural areas.

• 100% Financing Available – No down payment required for eligible borrowers.
• Low-Interest Rates – Competitive fixed rates, often lower than conventional loans.
• Long Loan Terms – Terms up to 30–40 years for housing and community facilities.
• Eligible Property Types – Single-family homes, multifamily rental housing, community facilities (hospitals, schools, fire stations, etc.), and infrastructure projects.
• New Construction & Renovation – Can be used for land acquisition, construction, rehabilitation, and improvement of rural properties.
• Government-Backed Loan Guarantee – Reduces lender risk, making it easier for borrowers to qualify.
• Supports Rural Economic Growth – Loans may be used to develop essential services like healthcare, education, and public safety.
• No Private Mortgage Insurance (PMI) Required – Reduces the cost of borrowing.
• Low Credit Score Requirements – More flexible approval criteria compared to conventional loan.
• Refinancing Options – Borrowers can refinance existing USDA loans to secure better terms.

USDA Business & Industry (B&I) Loan Features (Commercial & Business-Focused Financing):

Designed for businesses and commercial real estate development in rural areas.

• Loan Amounts Up to $25 Million – Based on project size, cash flow, and collateral.
• 85% Government Guarantee – Reduces lender risk, making it easier to obtain financing.
• Flexible Use of Funds – Can be used for commercial real estate purchases, business acquisitions, debt refinancing, equipment purchases, and working capital.
• Eligible Property Types – Hotels, retail stores, office buildings, agricultural processing plants, manufacturing facilities, and mixed-use developments.
• Long Repayment Terms – Up to 30 years for real estate, 15 years for equipment, and 7–10 years for working capital.
• Job Creation Incentives – Preference is given to projects that create or retain jobs in rural communities.
• Energy-Efficient Project Financing – Can be used to fund renewable energy systems and energy-efficient improvements.
• Competitive Interest Rates – Based on lender terms but typically lower than conventional commercial loans.
• Allows for Leasehold Improvements – Can finance upgrades and modifications to leased commercial spaces.
• No Residency Requirement for Borrowers – Unlike residential USDA loans, B&I loans do not require business owners to live in rural areas, only the business itself must be located there.