USDA Loans
What Is a USDA Loan?
A USDA loan is a government-backed mortgage offered through the U.S. Department of Agriculture’s Rural Development program. Designed to encourage homeownership in eligible rural and suburban areas, USDA loans provide 100% financing — meaning no down payment is required for qualifying buyers.
At Keystone Lending, we know the Florida map well. Many communities in and around the Tampa Bay area fall within USDA-eligible zones — including areas that might surprise you. If you’re dreaming of space, privacy, and a lower monthly payment, a USDA loan could be the most affordable path to your new home.
Eligible Location
Property must be in a USDA-designated area.
Income Limits
Household income must fall within program limits.
$0 Down Payment
100% financing — no down payment required.
Key Benefits
Zero Down Payment
Finance 100% of the home's purchase price — one of only two programs that offers this benefit.
Below-Market Interest Rates
USDA loans typically offer rates competitive with or below conventional financing.
Low Mortgage Insurance
USDA's annual fee is significantly lower than FHA mortgage insurance premiums.
Flexible Credit Standards
Borrowers with credit scores of 580+ are often eligible, with exceptions reviewed case-by-case.
No Acreage Limit
USDA does not cap the lot size, making it ideal for buyers who want land and space.
Finance Closing Costs
In some cases, closing costs can be rolled into the loan if the home appraises above purchase price.
Loan Options Available
USDA Loan Options Available
USDA Guaranteed Loan
Our most popular option — processed through approved lenders like Keystone with flexible guidelines.
USDA Direct Loan
For very low-income borrowers; issued directly by the USDA with subsidized rates.
USDA Streamline Refi
Existing USDA borrowers can refinance into a lower rate with minimal documentation.
Who is This Best For?
Want to purchase a home in a USDA-eligible rural or suburban area
Have little or no money saved for a down payment
Meet the household income limits for the program
Prefer a lower monthly payment with reduced mortgage insurance
Are purchasing a primary residence (investment properties are not eligible)
Want the stability of a fixed-rate mortgage
Requirements Overview
USDA Requirements Overview
Down Payment
$0 — 100% Financing
Credit Score
580+ Preferred
Debt-to-Income
Up to 41–45%
Property Location
USDA-Eligible Area
Why Choose Keystone Lending?
Speed & Efficiency
Same-day pre-approvals and extremely fast clear-to-close times so you never miss an opportunity.
Personalized Care
Direct access to Curtis Norman and a team dedicated to your specific financial picture.
Competitive Rates
We shop the market and bring you the lowest available rate for your unique situation.
Transparent Process
No hidden fees, no surprises — clear communication with you at every single step.
Find Out If Your Area Qualifies
ADDRESS
1467 Hunter Lane, Clearwater, FL 33764
PHONE
(727) 383-6682
angelitawnorman@gmail.com
