Welcome to USDALoanOregon.com, Oregon’s comprehensive resource for USDA Loans. Here you can find information and even get approved online. Want to see if you are eligible? Looking for rates? We encourage you to contact us by phone or email regarding the USDA Loan process — it can be confusing, we are here to help!



RURAL ELIGIBILITY CHANGES IN OREGON to take effect June 4th, 2018. Rural Development in Oregon has completed its 2017-2018 periodic review of all areas under its jurisdiction to identify areas that no longer qualify as rural for USDA’s Rural Housing Programs. Eight areas are affected by these changes so contact us today before these changes take effect. It is always best to contact a specialist… Read More


Why USDA USDA Guaranteed Home Loans are great loans for those with moderate income. USDA has the lowest Mortgage Insurance on any loan type low down loan. There is ZERO down payment required and low interest rates. Perfect credit is not needed, you can qualify with a credit score as low as a 620. You can be a first-time homebuyer or you may have bought… Read More

USDA Home Refinance – Fast and Easy

Are you already in a USDA home mortgage but want an even better rate? The USDA program has a streamline refinance option. There are no credit, appraisal, or inspection requirements.  The requirements for a USDA Streamline Refinance include: The property must be your primary residence, it must already be a USDA Guaranteed or USDA Direct mortgage, and you must show 12 consecutive months of on… Read More

A great program for rural areas of Oregon

USDA Home Loan USDA Rural Development Guaranteed Housing is backed by the U.S. Department of Agriculture.  This is a great program for rural areas of Oregon, and smaller towns.   This loan is designated specifically for eligible suburban and rural homes (manufactured and homes in big cities usually don’t qualify). If you find a home that you like, call us to make sure it’s in an… Read More

USDA Streamline Refinance

ATTENTION USDA Borrowers! Great News!   We have a new USDA Streamlined Refinance to get your rate lowered without an appraisal.  This program has no out of pocket costs, saves you money, and reduces your interest charges.  In many cases, you can even skip a month. Contact us today to see if you qualify for this program.

USDA changes stance on student loan payments

USDA makes changes once again.  Be prepared – use a USDA specialist.  USDA doesn’t accept student loans in deferment with no payments being made.  They decided you would need to be making the payment eventually, so they will use a monthly payment for qualifying even when you don’t currently pay any amount or a small amount due to your current income level.  USDA will use… Read More

There’s more than one Type of USDA loan!

Did you know that there are more than one Type of USDA loans?  We do the one that allows higher household income and allows some deductions to help you get qualified for our Zero down Home Loans.   We do USDA Guaranteed home loans, allowing for moderate household income levels.  USDA will calculate all income in the household to make sure it meets their guidelines for… Read More

Zero Down Loans Made Easy

Zero Down Loans Made Easy Zero Down Home loans are easy to get approved for when you use Local Lender who specializes in them.  USDA guidelines have many rules that not all lenders understand, so it’s best to work with a specialist on these loan programs so you can be sure to have the best chance of getting your loan approved.  We will work with… Read More

Many buyers qualify for the USDA zero down program

There are thousands of people who would qualify for a rural home loan with just a little professional guidance. Even if you have been turned down by a bank, we have programs that may work for your situation. Our government programs such as VA, USDA (rural), and FHA allow you to purchase with some blemishes on your credit. You just need professional guidance from our… Read More

Are you looking for a zero down loanprogram?

Are you looking for a no down payment loan with a low fixed rate? If so, then the USDA 100% Home Loan financing is for you. This loan program allows for the highest incomes and lowest rates available. We will pre-qualify and guide you through the process with less stress. New home ownership allows you to increase your net worth and stop paying someone else’s… Read More