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No Money Down Home Loans

Single Family Housing Guaranteed Loan Program

The program is designed to assist approved lenders, such as National Exchange Bank & Trust, in providing low- and moderate-income households a great opportunity – to own their own home! Eligible applicants can build, restore, improve or relocate housing into an eligible rural area. No money down required.


There are certain requirements to be an eligible applicant. These include but are not limited to:

  • Rural borrowers must have an income below 115% of the area median income (defined by USDA). See if you meet income-eligibility.
  • Having reasonable credit histories and an income that is dependable enough to support the loans.
  • Agreement to personally occupy the housing as their primary residence.
  • Being a U.S. Citizen, U.S. non-citizen national or Qualified Alien.

For a full list of requirements, visit USDA's website.

Get Your No Money Down Home Loan

For more information regarding the Single Family Housing Guaranteed Loan Program and how to get started, visit our USDA Loan Program page!

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