USDA Rural Deveopment Loan in MN, WI, and SD


We provide these loans in Minnesota, Wisconsin, and South Dakota


Are you looking to purchase a rural home with no down payment in a rural area of Minnesota, Wisconsin, or South Dakota?


Mortgages Unlimited, in connection with the USDA rural development loan has helped thousands of people in MN, WI, and SD buy homes with no down payment.

Get Approved for a USDA Home Loan in 3 simple steps


Do a  USDA INCOME Eligibility Check

Do a USDA PROPERTY Eligibility Check

Apply Online or call (651) 552-3681





Are easier to qualify for because they are guaranteed by the Federal Government. This means lenders are more willing to approve more people.


Have no down payment - The lack of a down payment is the biggest hurdle stopping most people from buying a house. With no down payment required... There is no reason why you can't buy a home today.


Just OK or better credit required - You don't have to have perfect credit to qualify (but you can't have bad credit either). A middle score of 640 or higher qualifies.


Are more affordable because they offer lower interest rates than other loans, and they have cheaper mortgage insurance compared to other loans with small down payments - making the home more affordable to you.


As a official USDA loan lender in MN, WI, and SD, we can offer some of the lowest USDA mortgage rates around. We are very experienced USDA mortgage professionals that will guide you in the right direction, and keep you informed of your loan throughout the process.


You don't need to go to a USDA Office - While those people may be nice people, they only know, offer, and understand USDA loans. If another home loan option is better, they wouldn't know about it, and can not offer it. If you don't qualify for a USDA loan. They can't help you further. You'd have to start all over again with a different lender. Save yourself the trouble. Let us analyze your situation from the initial application, and offer the most appropriate loan for you.


USDA Rural Housing Loans - Not for farms


This is not a farm loan, rather it is is for people who simply wish to live in small towns and more rural areas. The USDA Loans is available in the following areas and throughout most of Minnesota, Wisconsin, and South Dakota


Albert Lea, Austin, Cannon Falls, Chatfield, Dodge Center, Eau Claire, Fairmont, Green Bay, Kasson, La Crosse, La Crescent, Luverne, Mazeppa, Marshall, Oronoco, Owatonna, Pine Island, Rochester, Sioux Falls, Stevens Point, Stewartville, Sparta, Tomah, Wabasha, Waseca, Wausau, West Salem, Worthington, Zumbrota



USDA Loan highlights:

  • No down payment required
  • Roll in closing costs into the loan
  • Very low PMI (private mortgage insurance) costs compared to other mortgage loans
  • It is NOT just for really rural areas. Basically anything not near a large city will qualify
  • All homes, condos and townhomes qualify if there are in a eligible area.
  • 640 credit score or higher
  • Properties that produce income (farm, duplex, business on property) do not qualify

This program is, in my humble opinion the best mortgage available to help many areas increase sales, over come the negative effects of the housing market the past few years, and truly help buyers and sellers.



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