307 Spokane Avenue, Suite 103,

Whitefish, MT 59937

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?

USDA RD (rural development) loans are a type of mortgage available for individuals to fund purchasing or repairing a home in an area defined as rural by the United States Department of Agriculture (USDA). The loan is available through private mortgage providers (mortgage companies, banks, and credit unions) and backed by the USDA. Mann Mortgage has been a top rural lender recognized by the USDA for 10 years running.
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.

  • 0% down payment available
  • Low closing costs
  • Reduced upfront mortgage insurance premiums
  • Up to 6% seller contribution allowed
  • Lower credit score qualifying
  • Properties must meet USDA guidelines
  • Income restrictions apply
  • Low closing costs

Understanding the USDA Loan Process in the Whitefish Office:

Begin by reaching out to our office to assess your eligibility and determine a suitable loan amount based on your financial situation.

Confirm that the property you intend to purchase meets USDA’s rural area criteria. Mann Mortgage can assist in verifying the property’s eligibility.

Submit a formal loan application along with essential documents such as income verification, credit history, and property details.

Mann Mortgage reviews your application, conducts a property appraisal, and evaluates your financial stability to ensure you meet the loan requirements.

Once your application is approved, you’ll proceed to the closing stage. During this phase, final paperwork is completed, and you officially become the homeowner.

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

Conventional loans are available to any borrower regardless of where their real estate is located. USDA loans are only available to borrowers in designated rural areas.
Loans are available with 0% down payment and credit scores tend to be more forgiving than with conventional loans. USDA loans often offer lower interest rates too.
Borrowers must meet income restrictions for the county in which they are buying or repairing their home, and the loan can only be used for primary residence dwellings. Although USDA loans don’t require private mortgage insurance, borrowers will need to pay an upfront guarantee fee and an annual fee that serves as a form of monthly mortgage insurance premium. The annual fee is 0.35% of the loan’s annual balance but paid monthly as part of the borrower’s monthly mortgage payment. This fee exists for the life of the mortgage.
People in rural-designated areas and with limited down payments may be a good candidate for a USDA loan. To see whether you should consider a USDA loan connect with your Mann Mortgage loan officer to review financial goals and loan options.
h a strong credit history is beneficial, Mann Mortgage offers flexibility in credit requirements, making USDA loans accessible to a broader range of applicants.

“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.