USDA Loan

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For people who like fresh air and open spaces, a USDA Loan is the answer

Buy a place in the country and benefit from a number of financial advantages

100% financing available
No down payment means you don't have to drain your savings to get a mortgage.
Competitive rates
Affordable options for fixed-rate loans.
Flexible credit guidelines
Financial perfection isn't required for a loan from the U.S. Department of Agriculture.
Head for suburbia, too
USDA Loans are also available to borrowers who want to live in certain suburbs.
For farm families and others who like a little elbow room

Friendly neighbors. Peace and quiet. Traffic-free travel. There are all kinds of benefits to living out in the country or in less-populated suburbs. There are also plenty of advantages to buying a home with a USDA mortgage. Ready to make the move? Contact one of our knowledgeable mortgage professionals who can tell you more about the program and eligibility requirements.

Get Our Mortgage2Go App

Simplify the mortgage process with our helpful app.

  • Real-time loan status updates
  • Automated reminders when items are due
  • Scan and securely send documents with your phone
  • And much more!
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Inquire through Mortgage2Go

FAQs

USDA loans are available for homes in eligible rural or suburban areas as defined by USDA location maps. Properties must meet program guidelines for use and occupancy.

Yes — Carter Bank provides USDA financing for both home purchases and eligible refinances, following USDA program rules.
Yes, USDA loans require that borrower income falls within area-specific eligibility limits, ensuring the program serves moderate- to lower-income families.
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All loans are subject to credit approval.

Mortgage2Go is subject to additional terms and conditions.

Carter Bank is a full-service financial institution with locations throughout Virginia and North Carolina.

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