1174 Stoneridge Drive, Suite 100,,

Bozeman, MT 59718

Go rural, live grand: Explore the potential of Mann Mortgage’s USDA loans!

The BEST way to make rural living affordable, enabling more purchases in these special areas with $0 down.

What are USDA RD home loans?

If you’re in Belgrade, Camona, Four Corners, Patterson, or the surrounding areas and considering borrowing options, understanding the landscape of home loans is essential. For those looking to secure a home loan, the USDA Loan program available through our Bozeman Office could be the solution you’re seeking. This comprehensive guide is designed to provide valuable insights into USDA Loans, covering their benefits, limitations, and the loan process tailored to residents in these regions.
Man rubbing dogs belly

Not sure where to get started? That's okay too, we're happy to meet you where you're at and direct you to the right place or person.

USDA RD loans at a glance.

  • USDA Loans stand out for their zero down payment requirement, making homeownership more attainable for individuals without a substantial upfront payment.
  • USDA Loans, facilitated through our Bozeman Office, are designed to support rural and suburban communities, potentially including areas like Belgrade, Camona, Four Corners, and Patterson.
  • USDA Loans take into account your income to ensure that the loan aligns with your financial capabilities, prioritizing your financial well-being.
  • While a strong credit history is beneficial, USDA Loans may still be accessible to individuals with slightly lower credit scores, broadening the pool of eligible borrowers.
  • USDA Loans commonly offer fixed interest rates, providing consistency in your monthly payments.

Understanding the USDA Loan Process in the Bozeman Office:

Begin by assessing your eligibility for a USDA Loan, consulting experts at the Bozeman Office to gauge your loan potential.

Once preliminarily qualified, submit an official loan application, accompanied by documentation related to your income, credit history, and the property you intend to purchase.

The property you’re interested in will undergo an appraisal to ensure it meets program requirements and falls within an eligible location.

Your application and accompanying documents will be carefully reviewed by the Bozeman Office’s loan processing team.

The underwriting team evaluates your entire application package before rendering a final decision on loan approval.

Applying for a home has

never been easier

Our quick and secure process takes less than 10 minutes to apply.

Learn more about

USDA RD loans

No, USDA Loans are designed for primary residences and are not intended for vacation or investment properties.
Generally, USDA Loans target rural and suburban areas. Consult the Bozeman Office to determine whether a specific property qualifies.
Unlike USDA Loans, FHA Loans require a minimum down payment of 3.5% of the purchase price.
Yes, USDA Loans offer refinancing options, subject to meeting eligibility criteria and other conditions.
Denial factors may include exceeding income limits, inadequate credit history, ineligible property type, or incomplete documentation.
By engaging with this guide, you’re taking steps to comprehend USDA Loans within the context of our Bozeman Office area. Equipped with this knowledge, you’re empowered to make informed decisions as you progress toward the goal of homeownership.

“Helped me out a getting USDA loan when another business told me I couldn't get one! Thanks for always keeping in touch with me during the whole process!”

Coby B.

Let's get you home.

100% financing with low closing costs for homes in eligible rural areas. Our local loan experts will help guide you.

If you have a loan officer you are working with, please select them from the list below.