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Online BankingWelcome Login
Online BankingWelcome Login
With the USDA Rural Development Loan program homeownership is possible even if you aren't able to make a down payment on your mortgage loan. Our Mortgage professionals are here to help answer your questions and step you through the approval process.
Eligible borrowers may qualify up to 101% of appraised value for purchases and 101.5% of appraised value for refinance (refinance only available for current Rural Development loans)
Must meet Rural Development income limits
Owner occupied, one unit, primary residence only
Seller can contribute up to 6% financing concessions
No down payment required
Monthly mortgage insurance based on term and loan-to-value as defined by Rural Development
Minimum credit score of 640
Free pre-qualification
Subject to program availability and credit and underwriting approval. No manufactured homes are allowed. Non-occupant co-borrower not allowed.
Available to Indiana and Kentucky Residents.
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