USDA Home Loans

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  • For rural homebuyers
  • No down payment
  • Relaxed credit requirements
Use our Mortgage Loan Calculator to estimate your monthly payment.
Use our Mortgage Loan Calculator to estimate your monthly payment.
For anyone wanting elbow room
Although these mortgages are backed by the U.S. Department of Agriculture, you don't have to work in farming to qualify. The loan program is designed to strengthen all aspects of rural communities.

Like a breath of fresh air for certain homebuyers

USDA Loans are designed for low- to moderate-income homebuyers who want to live in rural areas or certain suburbs. Though these mortgages are government-backed, you'll work directly with local First Community Bank mortgage team members who can help determine if you qualify and then guide you through the application process.

  • 30-year, fixed-rate loans
  • No down payment
  • Competitive interest rates
  • Relaxed credit requirements
  • No Private Mortgage Insurance (PMI) required
  • No prepayment penalties
  • Potential for extra financing for property repairs or improvements
  • Potential for streamlined refinancing

First Community Bank makes homeownership easier with our mortgage loan options. Visit us in West Virginia, Tennessee, North Carolina, and Virginia.

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