The advertised rate of 4.875% (6.262% APR) is based on a 30-year fixed USDA loan for a single-family, owner-occupied residence. Rates are subject to change without notice and may vary based on creditworthiness, loan amount, property location, and other factors. Not all borrowers will qualify for the advertised rate. Rate assumes a minimum credit score of 680 and other standard underwriting criteria. USDA loans are subject to income and property eligibility requirements. Additional conditions, restrictions, and fees may apply. This is not a commitment to lend. We are an Equal Housing Lender. 21st Century Lending NMLS “241834”. Licensed by the Indiana Secretary Of State, License #241835.