Save up to $10,662 with Rapid Rate Mortgage!
Own Your Home With $0 Down
USDA Loans Make It Possible!
Buy Your Dream Home With Zero Down Payment
If you’re looking to buy a home outside the hustle and bustle of the city, a USDA home loan could be your ticket to affordable homeownership. At Rapid Rate Mortgage, we specialize in helping homebuyers take advantage of this zero-down loan program designed for properties in eligible rural and suburban areas.
Here’s the best part: Many homes just outside city limits qualify for USDA financing, even neighborhoods you might not think of as “rural.”
What is a USDA Loan?
A USDA loan is a government-backed mortgage program offered through the U.S. Department of Agriculture to encourage homeownership in rural and suburban communities. With a USDA loan, you can enjoy:
✅ No down payment required – finance 100% of your new home
✅ Low, fixed interest rates – making monthly payments affordable
✅ Flexible credit requirements – great for first-time homebuyers
✅ Lower mortgage insurance costs than many other loan programs
Do I Qualify for a USDA Loan?
Eligibility for USDA loans is based on two key factors:
1. Property Location – The home must be in a USDA-eligible area. Many communities just outside city limits qualify. Even fast-growing suburbs can still meet USDA guidelines.
2. Household Income – Your income must be within USDA’s limits for your area.
Tip: You might be surprised how many properties qualify! We can quickly check the USDA eligibility map for you.
Why Work With Rapid Rate Mortgage?
We make the USDA loan process simple and stress-free. Our team will:
✅ Confirm your eligibility in minutes
✅ Guide you through the pre-approval process
✅ Walk you through each step from application to closing
✅ Make your zero-down home purchase as smooth as possible
Whether you’re relocating to the suburbs or finding your dream home in a quiet community, we’re here to help you buy with confidence and zero down.
Get Started Today
Stop renting and start building equity without saving for a big down payment. Check if your home qualifies for a USDA loan now!
Take the first step today.
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What Our Clients Say
I was very nervous to buy a home on my own, but you answered all my questions and made me feel confident in my decision.
Sophia
Pensacola, FL
I can't believe we are homeowners! We will make so many memories in this home. Thank you so much!
Mia & Daniel
Athens, GA
We closed on our home in 13 days. We didn't even know you could close on a home than fast. Thanks for making it stress-free.
Ava & Robert
Spanish Fort, AL
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Rapid Rate Mortgage, LLC is licensed in Alabama, Florida, and Georgia. 6901 A. North 9th Avenue #649 Pensacola, FL 32504
NMLS#1654276. NMLS Consumer Access. Loan Approval is not guaranteed and is subject to lender review of information. Loan is only Approved when the lender has issued an approval in writing. Specified rates are subject to change with market conditions. Rapid Rate Mortgage, LLC is an Equal Opportunity Mortgage Brokerage. All rights reserved. I agree to be contacted by Rapid Rate Mortgage via call, email and text. To opt-out, you can reply “stop” at any time or click the unsubscribe link in the emails. Message and data rates may apply.
* 2023 study conducted by Polygon Research used 2023 Home Mortgage Disclusre Act data to find that consumers save more than $10,662 over the life of the loan, on average, by working with a mortgage broker compared to a nonbank retail lender.
The principal, interest and Mi payment on a $339,500 30-year Fixed-Rate Loan at 6.50% and 97% loan-to-value (LTV) is $2,298.65. he Annual Percentage Rate (APR) is 7.147% with estimated finance charges of $8,000. The principal and interest payments, which will continue for 360 months until paid in full, do not include taxes and home insurance premium, which will result in a higher actual monthly payment. Rates current as of 06/24/25. UWM pays the lesser of 2% or $7,000 of the down payment. Borrower pays 1% of the dowr payment (or remaining down payment needed if 2% exceeds $7,000). Subject to borrower approval. Some exclusions may apply
Example is for informational purposes only.