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If you live in an eligible rural or suburban area, a USDA Rural Housing Loan offers a no-down payment home loan to buy a house. West Shore Bank is proud to be a USDA mortgage lender serving West Michigan and Northern Michigan.

USDA loans can be used to purchase, build, or renovate a primary residence in an eligible rural or suburban area. USDA mortgages are 90% guaranteed by the U.S. Department of Agriculture, making it less risky for banks to extend 100% financing to eligible low- and moderate-income homeowners and buyers.

Outside of the major metro areas, most of Michigan qualifies as an eligible area, including the communities served by West Shore Bank. You can check the eligibility of a specific address.

How to qualify for a USDA loan

Eligibility for a USDA loan depends on the property location as well as:

  • Certain income restrictions apply
  • Must occupy the property as your primary residence
  • Be a U.S. Citizen, U.S. non-citizen national, or Qualified Alien

Apply for a USDA home mortgage from West Shore Bank!

West Shore Bank's mortgage lenders are based in your Northern Michigan and West Michigan communities along the lakeshore. All decision-making and loan processing is done locally. With attentive, friendly service from start to finish, West Shore Bank can help you find the mortgage loan solution that is right for you. Apply for a USDA Rural Development Loan online or visit one of our nine locations in Ludington, Frankfort, Hart, Manistee, Onekama, Scottville, or Traverse City.