Loan programs

USDA loans

No down payment required in eligible rural and small-town areas. Many Central Illinois towns qualify.

The pre-approval application typically takes 10 to 15 minutes to fill out, and requires your consent for a credit check to complete the process.

We are detailed up front to set your deal up for success. We typically need your documents before we can finish your pre-approval.

If you prefer to talk with us before applying, you can text or call first.

A good fit if

A home in an eligible area
Household income within program limits
A primary residence

Keep in mind

Eligibility is by address and income; we check both before you shop
Guarantee fees apply

Common questions

Is my town eligible?

The maps are address-specific and they get redrawn, so the honest answer is: send us the address and we will check the current map in minutes. Plenty of communities around the edges of the Peoria metro qualify.

How do the income limits work?

They are based on total household income, not just the borrowers on the loan, and they vary by county and household size. Give us your picture and we will check it against the current limit. No guessing.

USDA or FHA, which is better for me?

We price both side by side. USDA's zero down often wins on cash to close, and FHA can win on flexibility. The math for your file decides, not a slogan.

Do USDA loans take longer?

There is an extra review step in the process, so we build the timeline honestly into your contract dates up front. Prepared files still move quickly.

Can I buy acreage or a hobby farm?

Often the home and a reasonable site work. An income-producing agricultural operation is a different conversation. Send the listing and we will tell you straight.

Not sure which program?

Text us your goals and we will set a time to talk in more detail.

Start the application Text us first