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Slam Dunk Out of the City with USDA Loans!

At RCG a team of Luminate Home Loans, we understand that city living isn’t everyone’s style. If you’re seeking a peaceful countryside retreat, consider a USDA home loan. We’ll be your coach, guiding you through the best financial decisions and making sure you’re well-informed every step of the way. Let’s find your dream getaway together!

We make it our priority to coach you through the best financial decisions, all with your interest in mind. It’s our goal to help you feel informed and engaged throughout the entire lending process.

What is a USDA home loan?

What is a USDA home loan? Imagine it as the ultimate game-changer in the world of homeownership, designed exclusively for those aiming to live the rural dream. Just like a perfect three-point shot, a USDA home loan allows you to aim high without the burden of a hefty down payment.

With the USDA Rural Development Guaranteed Housing Loan Program as your home court advantage, you’ll be playing on level ground with benefits tailored to suit your unique needs. It’s like having the perfect team supporting your homeownership journey, offering incredible perks like 100% financing, reduced mortgage insurance premiums, and below-market mortgage rates.

What are the benefits of aUSDA Loan vs. Any Other Loan?

0% Down Payment

When you have a lower income, you’ll qualify for a 0% down payment.

Reduced Mortgage Insurance

With a USDA home loan, you’ll have reduced mortgage insurance premiums.

Fewer Restrictions

Having trouble qualifying for a typical home loan? A USDA loan may be the answer.

Lower Mortgage Rates

Typically, USDA home loans will offer below market value mortgage rates.

Discounted Closing Fees

The maximum seller-paid closing cost is only 6%.

Comfortable Living

USDA loans have strict property guidelines, so you know you’ll be in a safe, quality home.

Do you qualify?

If you don’t know the answer to this question, that’s completely okay! One of our all-star members will be happy to go over the details with you, but you’ll need to meet the USDA income requirements and be able to do a monthly payment of 29% or less of your monthly income. At RCG, we’re driven by our mission and core values. We prioritize people like you, valuing character above all else. Our approachable and transparent lending process is backed by hard work and humility.


A playbook designed to assist you in making winning choices on your journey to home ownership.

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