RHS Loan Programs:

The U.S. Department of Agriculture offers a variety of programs to help low to moderate-income individuals living in small towns or rural areas achieve homeownership. The Rural Housing Service (RHS) helps qualifying applicants, who cannot receive credit from other sources, purchase modestly priced homes as their primary residence.

RHS Loans are an attractive option because:

• Minimal closing cost
• Zero down payment
• Relaxed credit guidelines
• Generally easier to qualify for a RHS loan than a conventional loan
• No minimum fico score requirements.
• Streamlined underwriting for scores over 620
• No monthly mortgage insurance (MI)

RHS loans can be used toward the purchase and renovation of a previously owned home or a new construction. Families must be able to pay their monthly mortgage, homeowner's insurance and property taxes.

Find out if you qualify for an RHS Loan.

Advent Mortgage is a Rural Development Lender.

Apply Now

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