Florida's Trusted Partner for USDA Home Loans
About USDA Loans
USDA home loans require no down payment and offer competitive interest rates, making homeownership more accessible for eligible rural and suburban borrowers.
Florida USDA Loans, Done Right!
Looking to buy a home in a rural Florida county? Your property may qualify for a USDA loan. As an approved USDA lender, we offer low rates and fast closings.
What is an USDA Home Loan?
USDA loans in Florida are a great because they they typically have lower rates and up to 100% financing. Another advantage of USDA loans is they require no downpayment and there are no prepayment penalties, but their rates are fixed.
USDA Loans are home loans guaranteed by the US Department of Agriculture (USDA). These loans help to provide affordable financing options for rural Florida properties. This program is intended to help low to moderately low income families in rural areas. If you and your property qualify then eligible borrowers may purchase, build, rehab or relocate a home in an eligible area. The USDA loan program provides a 90% loan note guarantee to approved lenders which enables borrowers to finance up to 100% of their loan. USDA guaranteed mortgage loans give borrowers the ability to purchase homes in Florida with no down payment and easier qualifying. USDA home loans also come with better interest rates.
USDA Borrower Guidelines:
* 100% financing
* 620 Min FICO Score
* Terms: Up to 30 Years
* Low interest rate
* Gift funds can be used at closing
Check USDA Eligibility
Your Florida USDA Lender
Close on Time
In-house underwriting, processing and closing for fast approval & on time fundings.
Low Rates
USDA home loans in Florida with Low Rates and in-house underwriting
Local Service
Your USDA Home loan experts with local Florida customer service. Read our reviews!
USDA Income Limits in Florida
If you and the property qualify – USDA loans are good choice for rural home loans in Florida. USDA offer up to 100% Financing with a lower monthly insurance rate of only .3% which is much lower than the FHA insurance rate of 1.35%.
The 2024 average household income limits for a USDA loan in Florida is $146,050. The household limits also may vary by how many people live in the home. With five (5) or more people living in the home the household income limit can be as high as $148,950.
To search the USDA home loan income limits in Florida, please visit the USDA eligibility site for income limits by FL county.
- Only Primary Properties – USDA loans cannot be used to purchase second homes or rental property
- Not for urban properties.
- Florida income limits will apply
- Mortgage insurance will be factored into the cost.
1st Florida Mortgage is an approved USDA lender in Florida and we specialize in rural property home loans. Call today or apply online to see if you and your property qualify for a USDA loan.
Shawn Dulac
Sr. Loan Officer
NMLS #1320463
James Hair
Sr. Loan Officer
NMLS #1680348
Roman Balley
Production Manager
NMLS #2267211
Ryan Collins
Branch Manager
Speak to a Florida USDA Loan Expert
