Zero down, further out — and closer in than you'd think.
USDA loans back home purchases in eligible rural and suburban areas with no down payment required. The map is far more generous than the word "rural" suggests — large stretches outside the Charlotte metro qualify, including communities a reasonable commute from Uptown.
Buyers purchasing a primary residence in a USDA-eligible area whose household income falls within the county limit. If you're flexible on location, USDA can be the difference between renting another year and owning now — with your savings kept in your pocket.
We check the property map and your household income against the county limit — five minutes.
Same short application; the $0-down math changes what you can shop for.
USDA adds a second review layer, so timelines run a bit longer — we manage it.
No down payment at the table; closing costs can often be seller-paid or rolled in.
You'd be surprised. Eligibility is address-specific — send us a listing and we'll check it same-day. Many towns around the Charlotte metro qualify.
Yes — 100% financing. You'll still want funds for the earnest money deposit, inspection, and appraisal, and there's an upfront guarantee fee most buyers roll into the loan.
They vary by county and household size, and they're higher than most people assume — many two-income households still qualify. We'll check yours in the first conversation.
Every scenario is different — program guidelines, rates, and qualifying criteria vary by lender and change over time. The fastest way to a real answer is a conversation. This page is general information, not a commitment to lend.