Macatawa Bank’s Response to COVID-19 and Our Commitment to Serving Our Customers
Family playing in rural area

Rural Development Loan

What is an Rural Development Loan?

A USDA Home Loan* from the USDA loan program, also known as the USDA Rural Development Guaranteed Housing Loan Program, is a mortgage loan offered by the United States’ Department of Agriculture. This program assists approved lenders in providing low to moderate income households the opportunity to own housing in eligible rural areas even without a down payment.



Have questions?

Call us at (877) 820-2265 to schedule an appointment with a Mortgage Loan Officer or fill out the contact form below and we will have one of our Loan Officers reach out to answer any questions you have.

Find a Lender


Get today's rates




Get started online

Apply or get pre-qualified for an RD Loan by clicking the buttons below.

Apply now for an Rural development loan

Get prequalified for an RD Loan





*USDA loans have a one-time upfront fee, known as the guarantee fee, which is 1% of the loan amount. Additionally, the USDA has an annual fee that is a percentage of the loan amount and financed into the monthly payments. USDA allows borrowers to finance the 1% guarantee fee into the total loan.
Disclosures and borrower information
Macatawa Bank's primary lending area is West Michigan. Online applications will be considered received on today’s business day if submitted during the course of the bank’s normal business hours;
9am EST – 5pm EST Monday – Friday, excluding Federal Holidays
9am EST – 12pm EST on Saturdays
Applications received outside of this timeframe, including Federal Holidays and Sundays will be considered received the next business day.


All Home Loan Options


FHA Loans


Fixed Rate Mortgages


Adjustable Rate Mortgages (ARM)

We're happy to help.

Looking for answers? Need some sound advice? Want to talk over your financial options? Fill out the form below and we'll be in touch.
* = Required field.


Preferred form of contact*