Skip to main content
Important Information Regarding Online Banking and Mobile App — Learn More


Get a rural or suburban home loan with $0 down.

Apply Now Call for Rates 1-800-561-9433

Continue Existing Application Make a Loan Payment


A USDA home loan is a zero down payment mortgage for eligible rural and suburban homebuyers. USDA loans are issued through the USDA loan program, also known as the USDA Rural Development Guaranteed Housing Loan Program, by the United States Department of Agriculture.


  • Mortgage offered to rural property owners by the U.S. Department of Agriculture
  • No down payment required — you may finance up to 100% of the property value
  • May be a good fit if you are purchasing a property in a rural area (as defined by the USDA)
  • Must meet the income restrictions for your county (call us to learn more)


Our experienced, helpful member service team is ready to support you!


Live Chat

Chat Available Mon-Fri, 9 am-5 pm Eastern

Personal Loan Guidance

  • Experienced loan team to support you
  • Direct line of communication to your personal loan expert
  • Closing location of your choice

Why Consider Elements for a Loan


Elements Financial is a credit union. That means we’re like a bank, only better! Securing your mortgage through Elements Financial means you will benefit from:

  • Better rates & fewer fees – On average, an Elements Financial member saves an estimated $309 each year compared to customers elsewhere.1
  • Personal attention – Headquartered in Indianapolis, with member service available 24/7.
  • Today’s technology – We offer online banking, making it easy to pay your loan every month.
  • Heritage – With nearly 90 years of experience building and nurturing lifelong relationships with members.
  • Seasoned professionals – Our experienced team will walk you through the loan process, step-by-step.
  • Credit counseling – If you're working toward a loan application, pursue our confidential and supportive assistance to develop healthier financial habits for life.

How to Get Started


You can apply online in as little as 10 minutes! Or call 1-800-561-9433 to get started.

What you’ll need to apply:

    • Your government-issued ID (driver’s license, state ID or passport)
    • Estimates of your household income, assets, home value and price you paid for your home

From application to closing takes an average of 30 days. What to expect during the application process:

  1. We’ll contact you within 1 business day after you submit your application to review documentation that we’ll need from you and answer questions you may have.
  2. We’ll be in close contact with you throughout the process until final loan approval. Your closing will be scheduled at a location convenient for you if approved.
  3. That’s it – your USDA loan is complete!

You Might Find Helpful

  1. 1 Competitive Values are estimated by comparing historical savings and lending rates at Elements Financial and at the five banks and credit unions with the largest market share in Central Indiana; data valid as of 6/30/2019.