USDA Loans

From GoPrime Mortgage

Bozeman Home Loans:

USDA Loans

USDA Mortgage Loan (also known as a Rural Housing Loan) is a program guaranteed by United States Department of Agriculture that includes a low guarantee fee. The home being mortgaged must be the buyer’s primary residency in a qualified USDA area and there are specific USDA income eligibility requirements. This is good mortgage option for first-time homebuyers, move-up buyers, and owners looking to refinance in specific USDA areas. In a rural State like Montana, this is a wonderful loan choice for many borrowers. With 100% financing available, it can help overcome the lack of a down payment and help get you into your home. There are income limits set per county but no true loan limit as long as the debt ratios are in line with program guidelines.

Key Advantages of USDA Loans:

  • No down payment is required
  • Finance up to 100% of the property value
  • Add all fees and costs to the loan, including the guarantee fee
  • No loan size limits
  • Refinance current USDA loan via USDA Streamline Pilot Refinance Program with no appraisal, options to finance all closing costs
  • Rates are typically a bit lower than conventional and the monthly mortgage insurance is less than half of that of FHA loans

Contact our lenders today to apply for a USDA home loan.

Want to Learn More?

Mortgage Rates

When you are looking for current mortgage rates, you need to speak with a person you can trust with your finances and find a local Montana mortgage company you know will work with you and your finances to set up the best deal that is right for you.


Refinancing can be a great option if you're looking to lower your interest rate.  You can also take advantage of equity in your home via a cash-out refinance to get cash on hand for remodeling projects or to consolidate high-interest debt.  This is where the knowledge and expertise of your local loan officer will really shine!

What to Expect

Not sure what you'll need when applying for a mortgage? GoPrime Mortgage has a gathered all the information you need to feel confident moving forward. From required documentation to application steps and tips, we've got you covered.

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