Rural Development Mortgage

Looking to live off the beaten path?

With $0 down and up-to 100% financing, a LMCU Rural Development loan might be the perfect option for you. Rural Development loans have specific requirements, buyers and homes must meet your state’s housing development authority guidelines.


To qualify for a USDA Rural Development loan you must meet these requirements:

  • Meet income-eligibility
  • List home as your primary residence
  • Purchase a property that meets all program criteria
  • And many more
Check property eligibility


  • Provides financing for low-to-moderate income families in rural areas
  • Don't have to be a first time homebuyer
  • Rates similar to conventional rates
  • 100% financing program with no down payment

New USDA Rural Development Construction Loans

Proud to be chosen as one of the first lenders in Michigan to offer this loan! The USDA Rural Development Construction Loan allows you to finance both your lot purchase and new construction in one loan. Ask us for more information.

Great low mortgage rates

Compared to traditional banks, you’ll pay less on your loan rate, less on your closing costs, and less in expenses over the life of the loan.

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