2511 Montana Ave,

Billings, MT 59101

Go rural, live grand: Explore the potential of Mann Mortgage’s USDA loans!

The BEST way to make rural living affordable, enabling more purchases in these special areas with $0 down.

What are USDA RD home loans?

For individuals in Huntley, Laurel, Broadview, Hurdin, and surrounding areas who are considering borrowing options, navigating the world of home loans can be intricate. If you’re in search of a home loan, the USDA Loan program available through our Billings Office might be the perfect fit. This comprehensive guide aims to provide you with valuable insights into USDA Loans, covering their benefits, limitations, and the loan process tailored to residents in these regions.
Man rubbing dogs belly

Not sure where to get started? That's okay too, we're happy to meet you where you're at and direct you to the right place or person.

USDA RD loans at a glance.

  • USDA Loans stand out for requiring zero down payment, offering an opportunity for homeownership without the burden of a substantial upfront payment.
  • USDA Loans, accessible through the Billings Office, are designed to support rural and suburban communities. This could potentially include areas like Huntley, Laurel, Broadview, and Hurdin.
  • USDA Loans factor in your income to ensure the loan aligns with your financial capacity, prioritizing your financial well-being.
  • While a strong credit history is beneficial, USDA Loans may still be accessible to individuals with slightly lower credit scores, broadening the pool of eligible borrowers.
  • USDA Loans often feature fixed interest rates, ensuring predictable and consistent monthly payments.

Understanding the USDA Loan Process in the Billings Office:

Begin by assessing your eligibility for a USDA Loan, consulting experts at the Billings Office to determine your loan potential.

Once preliminarily qualified, submit an official loan application, along with documentation related to your income, credit history, and the property you intend to purchase.

The property you wish to purchase will undergo an appraisal to ensure it meets program requirements and falls within an eligible location.

Your application and accompanying documents will be meticulously reviewed by the Billings Office’s loan processing team.

The underwriting team evaluates your entire application package before rendering a final decision on loan approval.

Applying for a home has

never been easier

Our quick and secure process takes less than 10 minutes to apply.

Learn more about

USDA RD loans

No, USDA Loans are designed for primary residences and cannot be used for vacation or investment properties.
Generally, USDA Loans target rural and suburban areas. To determine whether a specific property qualifies, consult our Billings Office.
Unlike USDA Loans, FHA Loans require a minimum down payment of 3.5% of the purchase price.
Yes, USDA Loans offer refinancing options, subject to meeting eligibility criteria and other conditions.
Denial factors may include exceeding income limits, inadequate credit history, ineligible property type, or incomplete documentation.
By immersing yourself in this guide, you’re embarking on a journey to understand USDA Loans within the context of our Billings Office area. Equipped with this knowledge, you’re empowered to make well-informed decisions as you progress toward the goal of homeownership.

“Helped me out a getting USDA loan when another business told me I couldn't get one! Thanks for always keeping in touch with me during the whole process!”

Coby B.

Let's get you home.

100% financing with low closing costs for homes in eligible rural areas. Our local loan experts will help guide you.

If you have a loan officer you are working with, please select them from the list below.