USDA Home Loans
in Ohio

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If you are looking for an affordable, government-backed loan, USDA mortgages are well worth considering. Through this program, you could purchase a home in Ohio with zero down.

What is a USDA Loan?

A USDA loan is a mortgage which is insured by the US Department of Agriculture (USDA). Formally known as the “Rural Development Guaranteed Housing Loan” program, this program helps to decrease risk for lenders, qualifying borrowers for more competitive interest rates and terms.

You can apply for a USDA loan if you are purchasing a property in a “rural” area. There are many opportunities in Ohio to do just that. “Rural” doesn’t necessarily mean what you think, either. If an area has a population not exceeding 35,000, the USDA considers it “rural.”

So even in small towns, exurbs, or some suburban areas, it may be possible to obtain a USDA loan.

Benefits of USDA Loans in Ohio

USDA loans may include zero down payment.

Mortgage rates on USDA loans are fixed and affordable.

USDA mortgage closing costs are also affordable.

A perfect credit score is not necessary to qualify for a USDA mortgage in Ohio and its many benefits.

If you are required to pay for private mortgage insurance (PMI), you might be eligible for a discount.

USDA loans are available for home purchase, construction, vacant land, upgrades and repairs.

Do You Qualify for a USDA Loan in Ohio?

These are the basic requirements to be eligible for a USDA loan:

You must be a US legal resident.

Your income must not exceed the maximum thresholds for qualification.

You can only use a USDA mortgage to purchase a home which is 2,000 feet or less, and which is located in a designated “rural” place.

What Our Clients Are Saying

Marc s
Marc s
16:33 29 May 19
Ken, James and the whole team at liberty loans are the only people I would ever recommend for a home loan or refi! To put it simply, they just know how to get the deal closed!
Stefanie Villasante
Stefanie Villasante
14:30 29 May 19
Liberty Capitol was great to work with. Ken, James, and ESPECIALLY Laura all made the closing process so smooth and easy. If I needed anything they were an email, phone call, or text away. They kept costs low for me, and saved me money on my closing. If I ever buy another house, I wouldn't hesitate to use them again. Great team, nice people!read more
Lani Ciera
Lani Ciera
13:39 22 May 19
My husband and I just closed on our first home yesterday and we couldn't have done it without James and his amazing team at Liberty Capital Services! James actively worked with us throughout the entire process; helped us to improve our credit, didn't pressure us or make us fear for this huge purchase, and made the entire process enjoyable and stress free! He and his team are amazing and truly care about their clients. Thank you Liberty Capital!read more
Ian Mcmahan
Ian Mcmahan
11:17 22 May 19
If you are thinking of buying or refinancing your new home, well look no further! James from Liberty Capital made our first home buying process effortless and stress free. He and his team were absolutely amazing and we were lucky enough to have worked with them!read more
Alexandra Tran
Alexandra Tran
20:00 22 Apr 19
I had a great experience with Liberty Capital. They made the process extremely easy and I was able to close sooner than expected. They really made the process seamless and I recommend them to anyone looking to buy a home!read more
Robert Moore
Robert Moore
19:42 22 Apr 19
I strongly recommend Liberty Capital. They were straightforward and were extremely FAST and HELPFUL with the entire process. I highly recommend Liberty Capital they were consummate professionals during the mortgage more
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Apply Now for an Ohio USDA Loan

Do you qualify for a USDA loan in Ohio, Florida or California? Find out today by calling (614) 505-0620. During your consultation, we can look at your income as well as the location where you are thinking of purchasing a home. We can help you figure out if you are eligible, and can walk you through applying. Let’s get you into a rural home with zero down.

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