Apply with us for USDA Guaranteed Home Loan NO DOWN Payment. Another program, USDA Direct is about a year and a half on a waiting list for potential home buyers. Do not wait – Call Me Today! There is no waiting for USDA Guaranteed Home loan and the income limits are also higher so more buyers are qualified. I will work with you to determine what the maximum amount of household income will get you qualified for a USDA home loan. Lender’s who do these types of loans have specific ways to “catch” the limit excess, and many people do not understand how this is done. I am a specialist on these Guaranteed USDA rural home loans. Log on to Www.USDALoanOregon.com and take a couple of minutes to apply.