Love the idea of less traffic, more land, starrier nights, and a house to call your own? We do, too. At Utah First Credit Union, we believe everyone deserves the chance to own a home they love, no matter where they live. That’s why we offer flexible, affordable USDA rural housing loans (AKA, USDA mortgages) for folks buying homes in eligible rural and suburban areas.

Whether you’re dreaming about a bigger backyard for your dog and some chickens or just a little more elbow room, we’ve got your back.

What’s a USDA Rural Housing Loan?

A USDA rural housing loan is a type of mortgage backed by the U.S. Department of Agriculture to help moderate-to-low-income homebuyers snag a home in designated rural areas. It can help you put down roots in wide-open spaces without the wide-open wallet, and it comes with perks that are hard to beat: 

• Zero down payment required
• Low fixed interest rates
• Reduced mortgage insurance costs
• Flexible credit requirements

Whether you’re buying your first home or just craving a quieter setting, a USDA loan through Utah First could be your perfect match.

Why Choose a USDA Mortgage?

If you’ve been stuck in limbo saving for a down payment, a USDA loan could be a game-changer. Here’s why:

• Flexible credit requirements: You don’t have to be perfect on paper to get a “yes.”
• $0 down: Yep! USDA loans are one of the few mortgage options that still offer 100% financing, so you can keep your savings for moving trucks, porch swings, or a new lawn mower.
• Affordable monthly payments: Lower interest rates and reduced mortgage insurance keep your costs lower and more predictable. Hello, peace of mind!
• Support for rural living: These loans boost rural communities and support small-town living, so you can enjoy the homeowner life outside the city sprawl.

Am I Eligible?

There’s a good chance you might qualify! Here’s what it takes to get a USDA loan:

• Your income and credit need to meet USDA guidelines.
• The house must be located in an eligible rural or suburban area.
• You’ll need to live there full-time with the house as your primary residence.

If that sounds like you, congrats — you’re already halfway to a bigger backyard! At Utah First, we’ll take you step by step, keep it light, and help you figure out if a USDA loan is the right fit.

Apply Now

Why Work with Utah First?

Working with the right team keeps the mortgage process moving, the stress low, and your excitement high — exactly how homebuying should feel! At Utah First, we’re not here to just process paperwork. We make the whole shebang a great experience from the first high five to the moment you walk through your new front door. 

Our claims to fame:

• Fast, friendly service: We know you’ve got better things to do than wait.
• Financial experts who care: We get to know you before crunching any numbers so we can find the right fit for your life. 
• Local decision-making: We’re Utahns making loan decisions right here at home.
• A real stake in your success: We’re in it to help you win, not just close on the loan. Your success is our success! 

From your first question to your final signature, we’ll be here to help every step of the way.

Let’s Start Your Rural Home Journey!

With no down payment and a team that’s always in your corner, we can’t wait to make your USDA loan happen. Whether you’re still daydreaming or ready to sign, Utah First will help you find the loan that fits like your favorite pair of boots.

Give us a shout to learn more or get started on your application today!