Certified Choice for Rural Living

Key Features

No down payment, 100% financing.

Easy entry into homeownership.


Benefit from lower rates.

More affordable monthly payments.


Lower mortgage insurance costs.

Save more every month.




Credit Score

USDA loans typically require a minimum credit score of 640. This requirement helps ensure eligibility for these loans aimed at helping rural homebuyers. If your credit score is below this threshold, we're here to help you explore other financing avenues.


Debt-to-Income Ratio

Your total monthly debt, including the new mortgage, should not exceed 41% of your gross monthly income. Exceptions can be made for borrowers with strong compensating factors.

Additional Requirements

Location Eligibility

USDA loans are designed for properties located in eligible rural and suburban areas. These areas are typically defined as those with populations of 35,000 or less, although some areas with larger populations may also qualify. You can check the USDA eligibility website or contact us to determine if a specific property is eligible.

For a complete list of requirements, please contact one of our loan experts. Loan requirements are subject to change. All information contained herein is for informational purposes only and while every effort has been made to unsure accuracy, no guarantee is expressed or implied. This is not an offer to extend credit or a commitment to lend.

¹Lower credit scores may require a higher down payment.

© 2024 Mox Mortgage, Inc. is a DBA of Utah Mortgage, Inc. All rights reserved. 1525 North Main Street, Ste 100, Bountiful, Utah, 84010. NMLS #1432672 Equal Housing Lender. Licensed in 9 states. CA License No. 60DBO-146053, CO License No. 1525 North Main Street, Ste 100 Bountiful, UT 84010, NV License No. 500 North Rainbow Blvd, Ste 300, Las Vegas, NV 89107, License #4994, TX: 1525 North Main Street, Ste 100 Bountiful, UT 84010, WA: Consumer Loan Company License #1432672. If your state is not listed, it doesn’t require a specific license disclosure. For additional information visit our disclosure & licenses page.Any example scenarios are for informational purposes only, and while every effort has been made to insure accuracy, no guarantee is expressed or implied. Loans are subject to borrower and property qualifications. Contact any loan officer on the site, or the company directly for an accurate, personalized quote. Interest rates and any program guidelines are subject to change without notice. In addition, Mox Mortgage, Inc. a DBA of Utah Mortgage, Inc. complies with Section 8 of RESPA and does not offer marketing services in exchange for referrals.Any wholesale logos displayed are trademarks of their respective companies.