Rural Development

The Rural Development (RD) guaranteed loan program is a 30-year fixed loan provided by the United Stated Department of Agriculture (USDA).  These loans are available to low-to-moderate income borrowers who meet the current income limits and the homebuyer eligibility requirements. The property must be a single-family home, townhouse, or condo in an eligible rural area. Verify if your property is eligible by clicking here. Rural Development Loans are 100% fixed-rate mortgages with no mortgage insurance. There is a 2% guarantee fee which can be financed into the loan amount and can be combined with THDA Loans.

No matter where you are in your journey to home, we’re here to help you. From conventional loans to THDA home loans, we can find the right fit for you. If you’re not sure what to choose, start the quick application, and we’ll get in touch with you.

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Why Guaranty Trust


Since 1986, Guaranty Trust has been a leader in residential mortgage lending. Locally owned and operated in Tennessee, we service loans in 32 states. That means you receive friendly personal service from a hometown team, plus the deep resources of a large organization. From Conventional, Jumbo, FHA, VA, Rural Development, and THDA loans, our experts can guide you through the process with speed and ease.