USDA Guaranteed Home Loans

Specialty Loans for Eligible Homes in Rural Communities

If you’re dreaming of a home outside the city, a USDA guaranteed loan from Points West Community Bank could help make it a reality. The USDA home loan program offers government-backed loans with 100% financing for eligible buyers in rural and small-town communities across Colorado, Nebraska, and Wyoming—with no down payment required.

USDA Home Loan Benefits

There are many benefits to USDA home loans, starting with 100% financing for eligible homes. This means you could obtain a USDA-backed mortgage with no down payment required. These loans can be used to purchase or refinance a home, offer low fixed interest rates and reduced mortgage insurance. They’re designed to help low to moderate income borrowers in rural areas.

Why Choose PWCB for USDA Home Loans?

We have a lot of experience with USDA guaranteed loans and can offer complete guidance through the entire USDA rural loan process with no down payment required. We offer local decision-making and regional experience throughout the tri-state area. When you apply for a USDA guaranteed loan with us, you can achieve government-backed security with local support from Points West Community Bank. We’re focused on helping rural families build strong roots.

How to Apply for a USDA Guaranteed Loan

1. Speak with a PWCB mortgage specialist about eligibility.

We’ll explain how to get a USDA home loan and help you figure out if you’re eligible.

2. Get prequalified and explore rural housing options.

Figure out if you might qualify for a USDA and where to look for eligible properties.

3. Complete your USDA home loan application.

We’ll help you with the paperwork when you apply for your USDA mortgage.

4. Submit income, credit, and property documentation.

You’ll have to submit several documents, but don’t worry, we have helped dozens of families get approved and can guide you through the process!

5. Close on your new home with no down payment!

Get USDA Home Loans from Your Neighborhood Bank

As a local bank, we want all our neighbors throughout the tri-state area to obtain the American dream of homeownership. We serve local communities across Colorado, Nebraska, and Wyoming, including the Front Range region of Colorado (Fort Collins, Loveland, Greeley, Wellington, and Windsor), central Nebraska and the Panhandle (Sydney, Bridgeport, Fullerton, and beyond), and Wyoming communities such as Torrington, Pine Bluffs, Douglas, and Lingle. Wherever you are in the tri-state area, you’ll find local, neighborhood banking with a personal touch. Check out all of our branch locations.

Open the Door to Rural Homeownership

USDA home loans are available with no down payment and low, fixed interest rates to make buying a home more affordable in rural areas. We can help you apply and walk you through the entire process. Please apply online, give us a call at (970) 541-2520, or fill out the form below to get started. You can also check out our blog for information on a wide range of business and financial topics.