
USDA Loans Monticello, Minnesota
The Monticello, Minnesota USDA Home loan is a great choice for borrowers looking to buy a home with NO MONEY DOWN. When home buyers hear USDA rural they often think of farms or underdeveloped areas. In most cases you can find USDA eligible properties just outside of major Minnesota cities. USDA is creating loans all across the country, including suburban towns that are anything but rural. In fact, in some countries like Minnesota, the vast majority of the country is eligible for USDA loans. Find out if a property in Monticello, MN is USDA home eligible by calling 888-767-0554. USDA home loan experts are standing by and ready to help. Connect with a licensed USDA specialist, ask questions, see what cities qualify, and get free quotes.
Finding the Perfect Home Loan
Thousands of consumers in Monticello, MN are ready for home ownership. Securing the right home loan doesn’t have to be hard, we have solutions for less than perfect credit and even those with little savings or down payment. To help Monticello home buyers overcome challenges we offer more programs and the extra benefit of wholesale rates. We simplify the home buying and refinancing challenges presented by 2025 Monticello mortgage guidelines. At USDA RuralMortgage.com, our mission is to get you approved for a Monticello, Minnesota USDA mortgage and into your home with payments you can afford. Even if you think you won’t qualify, our highly trained specialists will work with you closely on an individual basis to:
- Review your finances to find a payment you can afford.
- Improve your credit score if needed to qualify.
- Obtain pre-approval to shop for a USDA Eligible Home.
- Secure a loan and purchase your new home!
Working around Credit Issues with Top Rated Specialists
The USDA Rural Mortgage team is celebrating its 28th year in business. Our experience allows for consumer mortgage confidence especially with Monticello, MN first time home buyers. We navigate consumers through the mortgage process, explain options and find what choice works best for you. We specialize in more than just USDA rural mortgage loans. Check out consumer home buyer GRANT options, FHA loans and our Bad credit home loan options.
Get on the Path to Home Ownership. We got your Back!
Buy a Home with No Money Down

Get Pre-Qualified Now
Monticello, MN USDA Benefits
- No down payment required
- Low 30 year fixed rate
- 100% financing
- Can finance closing costs if appraisal above sales price
- Competitive rates (as set by the underwriting lenders)
- Minimal mortgage insurance required
- No cash contribution required from borrower
- Gift Funds Allowed
- No maximum loan amount (although there are family income limits)
- No reserves required
- Streamlined credit approval for scores above 640
- Can refinance an existing USDA loan to get a better interest rate if available
Find your Monticello, MN USDA Home Loan 888-767-0554.
Monticello (/ˌmɒntɪˈtʃɛloʊ/ MON-tih-CHEL-oh) was the primary plantation of Thomas Jefferson, a Founding Father and the third president of the United States, who began designing Monticello after inheriting land from his father at age 14. Located just outside Charlottesville, Virginia, in the Piedmont region, the plantation was originally 5,000 acres (20 km2), with Jefferson using the labor of African slaves for extensive cultivation of tobacco and mixed crops, later shifting from tobacco cultivation to wheat in response to changing markets. Due to its architectural and historic significance, the property has been designated a National Historic Landmark. In 1987, Monticello and the nearby University of Virginia, also designed by Jefferson, were together designated a UNESCO World Heritage Site. The current nickel, a United States coin, features a depiction of Monticello on its reverse side.
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