The Rural Housing Service, which is part of the U.S. Department of Agriculture (USDA), guarantees loans in eligible rural areas with no down payment. Only low- and moderate-income rural residents are eligible for this type of mortgage loan. The Rural Housing Mortgage guarantee is paid for by the borrower through a “Guarantee Fee,” which is 2.75% of the loan amount. This type of mortgage requires that borrowers meet full credit, income, and property qualifications.

  • Down Payment: No
  • Appraisal Type: Primary Residence
  • Loan Purpose: Purchase or Refinance

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For more information on Rural Housing Service Loans:

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Call us at 410-558-4200 or toll-free at 1-888-561-BANK (2265).


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1st Mariner Bank - NMLS: 408251
3301 Boston Street
Baltimore, Maryland 21224
Phone: (888) 561-2265


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Certain restrictions apply. Loan approval subject to borrower qualification, completion of application and verification of homeownership. Rates and programs are subject to change without notice. Satisfaction of credit qualifications and occupancy. Loan pricing can only be locked through a home mortgage consultant. This collateral piece is provided as a convenience, does not serve as a substitute for a borrower's actual loan documents, and is not a commitment to lend. Borrowers should become fully informed by reviewing all of the loan and disclosure documentation provided. While we believe these products could be beneficial to you, there may be other mortgage products we can offer you for which you may qualify. We would also be happy to discuss those options with you. For more helpful information about residential mortgage products, please visit