With help from the United States Department of Agriculture, home buying in Illinois just got a little bit easier. Residents from all over the Prairie State, from Rockford to Carbondale, are discovering the advantages that a USDA Loan offers.

Illinois USDA Loans offer:

  • 100% Financed Mortgage, No Money Down,
  • No Monthly Mortgage Insurance for Illinois Residents
  • No Loan Amount Limitations
  • Available for Many Types of Illinois Homes

Illinois Areas that Qualify for a USDA Loan

Yes, major metropolitan areas do not qualify for USDA loans. But this does not mean that you should assume that the property you are considering purchasing is not USDA loan eligible.  In fact, you will probably be surprised at the number of Illinois areas that do qualify – some of which lie just outside of major cities.

Designed to stimulate growth in small or rural communities, Illinois areas that are eligible for a USDA Loan include:

  • Communities located outside of city limits
  • Communities with less than 20,000 people
Never assume that your area does not qualify for a USDA Loan.  The experts here at Consumer Real Estate Finance Co. are here to help, fill out the application on this page, or call one of our certified USDA loan agents at 1-866-854-4242.

Illinois’s USDA Loan Income Limits by County

While applying for a Rural Development Loan with Consumer Real Estate Finance Co. is fast and easy, there are a few eligibility restrictions: These can include property location and credit history evaluation.

In addition to the above Illinois USDA Home Loan restrictions, USDA eligibility is also determined by income limits. Your yearly income cannot exceed the limit set for your county:

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Because of these sometimes detailed and overwhelming guidelines, Consumer Real Estate Finance Co. is here to guide you through the application process. Contact us today for details or to get started with your Illinois USDA Loan application.