USDA Loans
United States Department of agriculture
AFFORDABLE HOME FINANCING
WITH ALLIANCE CREDIT UNION
A USDA home loan can make homeownership more affordable with no down payment required for qualified borrowers. At ALLIANCE Credit Union, we help homebuyers explore flexible USDA mortgage loan options designed for rural and many suburban communities throughout Texas.
If you are looking for a low down payment alternative with competitive rates and flexible qualification options, a USDA loan may be the right fit for you.
WHAT IS A USDA LOAN?
A USDA loan is a government-backed mortgage program created to help eligible borrowers buy homes in qualified rural and suburban areas. USDA loans are popular because they offer affordable financing options for buyers who may not qualify for traditional mortgage programs.
With a USDA mortgage loan, qualified borrowers may benefit from:
• 0% down payment options
• Competitive interest rates
• Lower monthly mortgage costs
• Flexible credit guidelines
• Financing for eligible rural and suburban homes
Many buyers are surprised to learn that USDA-eligible areas include more than small rural towns. In fact, many suburban communities may also qualify.
WHO MAY QUALIFY FOR A USDA HOME LOAN?
You may qualify for a USDA home loan if:
- The property is located in an eligible USDA area
- The home will be your primary residence
- Your household income falls within USDA guidelines
- You meet credit and lending requirements
Our mortgage team can help you review your options and determine if a USDA loan is right for you.
Meet Macie Slagle
USDA Loan Officer
She proudly serves communities across Texas. Originally from Whiteface, Texas, Macie grew up surrounded by agriculture and developed a lasting love for helping others. She earned her Bachelor of Science from Texas Tech University, where she met her husband, Nolan. With a strong foundation in small-town values and financial understanding, Macie guides families through the USDA loan process withhonesty, warmth, and care. Her goal is to make homeownership feel possible and personal for everyone—whether you’re purchasing in a rural area or exploring broader USDA eligibility.
Macie is committed to making the process easy to understand and approachable, offering guidance that’s both thoughtful and supportive. To her, this work is more than just a job. It’s an opportunity to help people build a place they can truly call home.
Common Questions
about USDA Loans
DO USDA LOANS REQUIRE A DOWN PAYMENT?
Qualified borrowers may purchase a home with no down payment required.
ARE USDA LOANS ONLY FOR RURAL LAND?
No. Many suburban communities also qualify for USDA financing.
CAN FIRST-TIME HOMEBUYERS USE USDA LOANS?
Yes. USDA loans are a popular option for first-time homebuyers because of their affordability and flexible requirements. Repeat homebuyers can be eligible.
WHAT CAN USDA LOANS BE USED FOR?
USDA loans are commonly used to purchase primary residences in eligible areas and cannot be used for income producing properties.
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