102 Thain Rd Suites B & C,

Lewiston, ID 83501

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 those seeking to borrow money in the areas of Clarkston Heights-Vineland, Uniontown, and Genesee, understanding the intricacies of home loans is crucial. If you’re in the market for a home loan, the USDA Loan program offered through our Lewiston Office could be the perfect solution. This guide is designed to provide comprehensive insights into USDA Loans, addressing their benefits, limitations, and the loan process for residents of 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 are renowned for their zero down payment requirement, making homeownership more accessible for individuals without a large upfront sum.
  • Our Lewiston Office’s USDA Loans primarily cater to rural and suburban areas, potentially covering communities like Clarkston Heights-Vineland, Uniontown, and Genesee.
  • USDA Loans consider your income to ensure it aligns with the program’s requirements, allowing you to secure a loan that fits your financial capabilities.
  • While a solid credit history is advantageous, USDA Loans may be available to individuals with slightly lower credit scores, increasing your chances of approval.
  • USDA Loans often feature fixed interest rates, providing predictability and consistency in your monthly payments.

Understanding the USDA Loan Process in the Lewiston Office:

Begin by assessing your eligibility for a USDA Loan based on your financial standing, with the assistance of the Lewiston Office’s experts.

Once prequalified, submit a formal loan application, accompanied by documentation relating to your income, credit history, and the property you intend to purchase.

The property you plan to buy will undergo an appraisal to ensure it meets the required standards and falls within the eligible location.

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

The underwriting team will evaluate your entire application package before providing the final approval decision.

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 exclusively intended for primary residences, ruling out vacation homes and investment properties.
Generally, USDA Loans target rural and suburban regions. Consult the Lewiston Office to confirm whether a specific property qualifies.
USDA Loans are primarily intended for residential properties rather than farmland or properties with extensive acreage.
Yes, USDA Loans do offer refinancing options, contingent upon meeting eligibility criteria and other prerequisites.
Denial reasons can encompass exceeding income limits, inadequate credit history, ineligible property type, or incomplete documentation.
By immersing yourself in this guide, you’ve embarked on a journey of understanding USDA Loans within our Lewiston Office area. Armed with this knowledge, you’re better equipped to make informed choices 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.