USDA Home Loans

USDA loans provide a 0% down for qualified buyers.  But they are limited to a very select group.  This type of mortgage is only offered to low- and moderate-income borrowers in designated rural areas.


USDA Home loan, mortgage banker, st louis, st charles

What is a USDA Home Loan?

Investopedia defines the USDA as follows:

What is a USDA loan?

A department of the United States government that manages various programs related to food, agriculture, natural resources, rural development and nutrition. The United States Department of Agriculture tries to expand economic opportunity in rural areas, make sure Americans are properly fed and conserve natural resources. President Lincoln founded the USDA in 1862, at a time when about 50% of Americans lived on farms.

We also offer these other home loans that may be a better fit for you


Get a Conventional Home Loan with as little as 3% down.


Popular for first-time buyers and requires 3.5% down.


0% down for low to moderate income borrowers in rural areas.


Strictly for veterans. You can get into a home with 0% down!

Home Loans & Mortgage Lending at Some of the Lowest Possible Rates

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I just completed a very difficult real estate transaction, and cannot say enough about the outstanding professionalism, quality of service, and subsequent satisfaction and respect I have for Integrity Mortgage.  Phone calls or emails with questions receive immediate responses without ever giving the impression they were otherwise busy or didn't want to take the time handling my concerns.  I would highly recommend Integrity Mortgage!!!

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SPEECHLESS AND GRATEFUL WOULD BE AN UNDERSTATEMENT!!  Jamie went above and beyond for us in such a short period of time. Integrity Mortgage spent HOURS AND HOURS OF NON-STOP BENDING OVER BACKWARDS to fix a problem that have should have been addressed months ago with a previous mortgage company and we almost lost our dream home, but Integrity Mortgage was able to help us close the loan.  You all made everything happen and even more so to our benefit! Interest rate, closing, lender fees, turnaround times etc…  Thank you will never be enough! Thank you for being straight forward with us and not making any promises that you couldn’t follow through on and keep!  HIGHLY RECOMMEND THIS COMPANY!!!!  WE ARE DEFINITELY FOREVER CLIENTS!

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