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USDA Loans

We'll help you enjoy country living with a special home loan.

If you're a qualified borrower looking for a home in a quieter, more rural area, a USDA Loan may be an ideal choice. Backed by the U.S. government, these loans feature favorable terms for borrowers who meet specific income limits. And USDA Loans are not just for homes in farming communities. If you’re looking for a Massachusetts home in areas like Rehoboth, Swansea, Somerset, Berkley, Dighton, Freetown, Norton, Westport or Raynham, or are considering a Rhode Island home in South County, or towns like Tiverton, Portsmouth, Little Compton, West Greenwich, Chepachet, Foster, or Glocester, a USDA Loan from BankFive could* be a great fit!

Find your home away from the city:

  • Property must be located in an eligible rural area
  • No down payment required
  • Available to both first-time buyers and repeat buyers
  • Property must be used as a primary residence
  • Refinancing options available
  • Income and credit requirements apply

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At this time we are not accepting USDA loan applications, but our mortgage specialists would be happy to help you find a suitable alternative financing product. Please contact us today for assistance.

* Property must be located in an eligible rural area. Please note that certain areas of the cities and towns listed above may not be eligible. To determine if a particular address is eligible, please refer to the USDA Income and Property Eligibility Site.


November 30
I recently refinanced my home through…
I recently refinanced my home through BankFive. From beginning to end, Jim Hanewich was informative, extremely thorough and attentive to my unique situation. What could have been an incredibly stressful and difficult process, was in fact smooth and seamless. Jim's professionalism is top notch. I highly recommend him for any and all of your mortgage needs. Keri Brandariz
Keri Brandariz
November 24
Claudette Vickery is as good as it gets
Claudette Vickery is as good as it gets. Very efficient, professional, and trustworthy. Don’t go anywhere else as you won’t do any better.
Bud Noyes
November 10
Top Marks for Monica Botelho
My husband and I received not only exemplary professional service from Monica Botelho and the team at Bank 5 involved with our refinance; Ms. Botelho was extremely attentive to our numerous questions and we felt our experience was as important if not more so than the business we were providing the bank.
Kathleen Genthner
November 03
Fantastic Experience!
Great Experience! Very Sufficient easy straight to the point! Definitely a 5 Star!
Maria Lopes
October 27
Monica Botelho was such a pleasure to work with
Monica Botelho was the best person we ever had work with us throughout our home buying process . She is kind , patient and she knows what she is doing . She is great at what she does . Always kept me up to date on how my mortgage loan was moving along . We are so happy we went through bank five with Monica for our mortgage loan . She made sure to find us the best rates . Thank you so much for helping us get into our first home . ❤️
Sara Soares
October 19
Excellent service done fast and easy!
Monica Botelho and the Bank Five team were an absolute pleasure to work with! The process was fast and easy. Monica definitely exceeded my expectations! I will undoubtedly recommend Bank Five and Monica to any friends or family looking for a home loan or refinance. Thank you for all of your help! -Derek M.
derek milewski
October 18
Outstanding service….Monica Botelho was…
Outstanding service….Monica Botelho was very professional and highly knowledge in the mortgage process she went above and beyond for us. I would recommend Monica with bank five to anyone and everyone!!!!!
October 06
Happy repeat customer
We've used BankFive for several mortgage/home equity transactions. Each time, the process proceeded without a hitch. Excellent follow up and service from Michelle, our account representative. The automation/technology and superior customer service on BankFive's part made our part of the effort easy peasy!
September 20
Monica Botelho is amazing!
When I first started to plan for a home purchase over a year ago, I was introduced to Monica at BankFive. I am so grateful that I was. Her help during our recent home purchase was truly amazing. I can't recommend her highly enough to anyone in need of a mortgage. She's fantastic, knowledgeable, trustworthy and dedicated to her customers. She was always available to answer any question, no matter the day or time. She made this entire process so much easier and I am grateful for her work.
September 15
Everything was smooth and went well one…
Everything was smooth and went well one of the better closings that I’ve ever had
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