This website is operated by CrossCounty Mortgage, Inc., 420 S Main, Joplin, MO 64801, (417)-624-5151.  CrossCountry Mortgage, Inc. is an FHA Approved Lending Institution, and is not acting on behalf or a the direction of HUD/FHA/USDA or the Federal Government.  Corporate NMLS #3029, Branch NMLS # 1221800.  For licensing verification please visit  This branch is licensed in AR, KS (MC.0025056-BR.002), MO (13-2030.2), and OK (MLB10383), NMLS # 141374.  A Kansas Licensed Mortgage Company.  To verify licensing, please visit  For complete information visit

*Borrower income limited to 115% of median income for the area.  Borrowers must have reasonable credit histories.  30 year loan term.  Housing costs cannot exceed 29% of income; total debt ratio cannot exceed 41% of income.  Homes must meet state HCFP building codes.  Guarantee fee required.  Available only in rural areas.  All loans subject to underwriting approval.  Additional restrictions and conditions apply.  Call for details.


  • No Down Payment Required
  • Closing costs can be financed into the loan
  • Minimal credit score requirements
  • Low monthly mortgage insurance
  • Home must be located in an eligible area
  • Home must meet property eligibility requirements
  • Fill out worksheet to get additional information about qualifying


If you would like to get more information about the USDA Rural Development Home Loan please complete the worksheet below.