U.S. Department of Agriculture (USDA) Rural Development Loans - First National Bank
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USDA Rural Development Loans

The USDA Rural Development Single Family Housing Guaranteed Loan Program gives low- and moderate-income borrowers the ability to purchase or refinance a home located in an eligible rural area with no down payment. First National Bank offers a fixed rate loan with up to 100 percent financing. Escrow is required for homeowner’s insurance, taxes, and an annual guaranty fee, but private mortgage insurance is not. It may be possible to finance closing costs, including the one-time guarantee fee, into your loan amount as well.

Income and property location restrictions apply. 

The Rural Housing Refinance Program is available for borrowers who currently have a Rural Development loan and are looking to lower the interest rate by at least 1%.

At First National Bank, our knowledgeable mortgage professionals will work with you to help determine your eligibility and to answer all of your questions.


Estimate the cost of your mortgage. (does not include guaranty fee)

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Contact a lender for today's rates and to learn more!