USDA Loans


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USDA loans offer 100% financing for purchases, renovations, repairs and refinancing.
Vinson Mortgage provides these US government-backed loans to borrowers in rural areas.

Location and Loan Amounts

Eligible homes must be located in a rural community with less than 20,000 in population or in open country not closely associated with an urban area. Maps outlining rural areas may be obtained from any USDA Rural Development office located in a county meeting the population guideline.

Eligible Applicants:

• Have an adequate and dependable income.
• Must be a US citizen or be legally admitted for permanent residence.
• Have a credit history that indicates a reasonable willingness to meet obligations.
• Have an adjusted annual family income not exceeding the moderate income limit of the county where the residents will be located.