North DakotaOwning your own home is the ultimate dream for millions of US citizens; but the bad economic conditions and turbulent times of recession makes it a very expensive dream. Unfortunately, most of the North Dakota residents are finding it really hard to afford their own home.

However, in case you are a resident of counties such as Billings, Bowman, Burke, Eddy, Foster, Grant, Griggs, McLean, Ramsey and many other within North Dakota, then you stand an excellent chance to own your own home; at your own conditions.

USDA or United States Department of Agriculture along with US government has come up with an excellent rural housing development program called USDA mortgages in North Dakota. It has been designed and developed to help those households who cannot afford a home right now.

USDA Mortgages in North Dakota – Advantages

Some of the inherent benefits of this special mortgage scheme are:

  • Loan can be used to buy a new house or repair an existing one
  • Mortgage can also be utilized to relocate to a new destination
  • 100% finance scheme available
  • No mortgage maintenance fee
  • Loan tenure can be extended till 30 years
  • Fixed interest for the whole loan tenure
  • Zero down payment required for loan approval
  • Instant approval
  • Flexible credit checks

USDA Mortgages in North Dakota – Non Eligible States

Based on the development index of the surrounding areas and the properly growth rate, USDA has declared few counties as non-eligible for this special mortgage program. Some of these counties are:

  • Burleigh
  • Cass
  • Grand Forks
  • Morton
  • Ward

If you reside any one of these non-eligible counties, then don’t get disheartened. There are some areas and pockets within these counties which are eligible for this special mortgage program.

Please refer to the official website of USDA to get more information by clicking here:;jsessionid=6E5B2D5044BCFA12A29B217999BE5D72?pageAction=oipCounty&stateCode=38

USDA Mortgages in North Dakota – Income Limits

USDA doesn’t want to grant approval of this attractive mortgage program for those families and households which can easily finance their own home. Hence, to filter out such affluent households, they have come out with income limit which is referenced while approving this loan program. You can visit the official website of USDA to get detailed information about the income limits based on the county and the number of members in the household, by clicking here:

After reading this whole post, you can do either of the two things: either sit back and relax and think what to do or just apply for the loan and get approved. The best part is that, you can apply right now. All you need to do is, fill the short form in the right hand side of this page and/or call us at 877-342-7449 .