USDA Rural Housing Mortgages

USDA Loans are an excellent option if you're considering purchasing a home in a rural area. Funds can be used to build, repair, renovate or relocate a home, or to purchase a home. There are no down payment requirements, and qualifying is typically easier than for conventional mortgages. However, the property must be located in an eligible area in order to qualify. Income caps also apply. Contact a BankSouth Mortgage expert for more details.


  • 100% financing options available

  • Thin or alternate credit allowed

  • Low monthly mortgage insurance

  • No maximum sales price

Did You Know?

The USDA also offers properties for sale.

Find out if your property is USDA eligible at the USDA website.


Get Started

Ready to get started? Let us help find a loan that works for you.

Apply Now

Down Payment Assistance

Need help with your down payment? BankSouth Mortgage is pleased to offer down payment assistance programs to qualified borrowers

Learn More