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Starwest Mortgage Corporation
1818 E. Southern Ave, Suite 15C
Mesa, AZ  85204

Arizona: (480) 962-5665
Tucson: (520) 303-9406
Utah: (801) 214-1777
Colorado: (720) 644-8078
Fax: (480) 545-0586

NMLS 164496 Arizona MB
0905975 Utah 5941296-NMLC
Colorado Registered MB

USDA Rural Housing

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Conventional No Mortgage Insurance

The Rural Housing loan is guaranteed by the USDA’s Rural Housing Service. This mortgage program is designed for low to moderate income families in rural areas. The USDA’s “guarantee” means that they will compensate any lender for any USDA Rural Housing loan in default. Additionally, this “guarantee” means that lenders are more than willing to lend their money to individuals with less than stellar credit and no down payment requirement. Most lenders will allow credit scores as low as a 620. The “guarantee” also indicates that lenders will not require mortgage insurance for Rural Housing loans. Nonetheless, Rural Housing loans charge a 3.5% upfront funding fee, which can be financed into the loan. In the scenario of financing the funding fee, the final loan amount will equal 103.5% of the property purchase price. This means the consumer begins home ownership with a mortgage larger than the home is worth. The two major limitations of this program are income restrictions and the property must be located in a designated rural area. Please go to the USDA’s website to check income and property location eligibility.

USDA Rural Housing Highlights

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Learn about alternative loan programs that may fit your goals.

FHA Loan

Conventional Mortgage

Jumbo Mortgage

VA Loan


Why you should choose Starwest Mortgage for your home purchase:

In addition to mortgage options, learn your Home Purchase Responsibilities and information to keep you on track throughout your purchase transaction…



Starwest pays for all the closing costs associated with the transaction. None of these fees are rolled onto the loan balance. Learn More

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