How do I know if a property qualifies?

Send us the address. We check it against the current eligibility map and tell you the same day.

What are the income limits?

They vary by county and household size. We will look yours up rather than have you guess.

Can I use USDA for an investment property?

No. USDA is for primary residences in eligible areas.

USDA Rural Development

Rural doesn't mean remote — and the map may surprise you.

USDA loans support home purchases in designated rural and many suburban areas. The eligibility map is far more generous than the name suggests, and plenty of buyers rule themselves out without ever checking.

See if I qualify Call 708-888-1518

Aerial view of a Midwestern suburban neighborhood with mature tree canopy at golden hour

Who this is for

Buyers looking outside dense metro cores — including much of the outer Chicago collar
Households within the program's income limits for their area
Anyone who assumed 'rural' meant farmland

Down payment flexibility
USDA is one of the most accessible programs available for eligible properties and borrowers.
The map is wider than you think
Communities that feel entirely suburban frequently qualify. We check the address before you write it off.
Income limits, not income minimums
This is a program with a ceiling rather than a floor. Many working households qualify comfortably.
Works across our footprint
We run USDA eligibility in every state we are licensed in, not just Illinois.

Common questions

The things people
actually ask.

How do I know if a property qualifies?: Send us the address. We check it against the current eligibility map and tell you the same day.
What are the income limits?: They vary by county and household size. We will look yours up rather than have you guess.
Can I use USDA for an investment property?: No. USDA is for primary residences in eligible areas.

Ask about USDA

Two quick questions to start. A licensed loan officer calls you back — usually within minutes.

1/3

Equal Housing
Lender
NMLS #1660690Sam Ahmed #221307
Licensed in 27 statesPowered by NEXA Mortgage, LLC

From people in the same position

“Most mortgage sites feel like talking to a robot. Homeland felt like talking to a neighbor. They explained the difference between FHA and Conventional in plain English so I could choose what was best.”
Sarah M.Joliet, IL
“Speed is an understatement. We were in a bidding war in Oswego and needed a pre-approval letter on a Sunday evening. Sam picked up the phone and got it done. We won the house.”
Daniel L.Oswego, IL
“I was looking for a mortgage company that didn't view me as just another number. I wanted to be treated like a human being! I was referred by my friend and I'm glad I was! They took care of me!”
Brad J.Frankfort, IL