Loan Options
USDA rural development loans
Zero-down financing for moderate-income buyers in eligible rural and suburban areas — and more of Pennsylvania and Florida qualifies than you might expect.
What is a USDA loan?
USDA Rural Development loans are guaranteed by the U.S. Department of Agriculture to encourage homeownership in designated rural and suburban areas. Qualified buyers can finance 100% of the purchase price, and USDA's guarantee fees are typically lower than FHA mortgage insurance.
A good fit if you
- Are buying in a USDA-eligible area — many towns around Scranton, throughout northeastern Pennsylvania, and across Florida qualify
- Have moderate household income within USDA limits for your county
- Want to buy with no down payment
- Plan to use the home as your primary residence
Key features
- 100% financing — no down payment required
- Lower monthly guarantee fees than FHA mortgage insurance
- Competitive fixed rates
- Closing costs can sometimes be financed or covered by seller concessions
Things to know
- Both the property location and household income must meet USDA eligibility rules
- We check address and income eligibility for you before you fall in love with a house
- Available for primary residences only
Invicta Mortgage Group is not affiliated with the U.S. Department of Agriculture or any government agency. USDA loans are guaranteed by USDA Rural Development and offered through approved lenders.
Not sure which program fits? That's our job.
Talk with a licensed loan originator — no documents needed, no credit impact, no obligation.
Get Pre-Qualified Call (570) 207-6334