USDA Loans

100% financing in designated rural areas

USDA Loans

Buying in a rural area?

If you’re looking for a home in a USDA-designated rural area, you’ll want to check out the USDA loan and its 100% financing feature.

The USDA Advantage

Advantage Mortgage’s USDA Home Loan Program provides 102% of the financing for the purchase price and guarantee fee, for low/moderate income homebuyers wanting to buy a home in a rural development area. USDA Home Loans are affordable and backed by the federal government. Qualified program participants must purchase a home in an eligible rural area (as defined by the U.S. Department of Agriculture) and have a household income that does not exceed the established limits where the home is located.

Get Started

I will ask you a series of questions to see if USDA is right for you.


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Loan Amounts up to:


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Credit Scores as low as:


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Minimum Down Payment:


Types of USDA Loans

  • USDA Purchase Loan
  • USDA Refinance Loan
  • USDA Rehab Loan
  • USDA Construction-to-Permanent Financing

USDA Features & Qualification

  • 2% USDA guarantee fee may be included in financing
  • No down payment required
  • Competitive interest rates
  • Lender fees and closing costs (including prepaid funds) may be contributed by the seller or may be eligible to include in the loan, depending on the appraised value
  • Gifts or grants permitted from family, friends and non-profit agencies

Who can benefit?

  • Homebuyers looking to purchase a property in a USDA-designated rural area—including single-family homes, new construction, modular homes, and condominiums
  • People without a lot of money saved for a down payment
  • People with credit scores above 640
  • Homebuyers with income that does not exceed the USDA’s income limits for the area
  • Homeowners wanting to refinance their existing USDA loan

Is USDA right for you?

Find Out

Questions about USDA? Let me help!

Kahren Oxner

Senior Loan Officer | NMLS #590552

(503) 453-6849  

Advantage Loan Finder Interested in learning about other loan programs? Visit the Loan Finder

Credit and collateral are subject to approval. Terms and conditions apply. This is not a commitment to lend. Programs, rates and conditions are subject to change without notice. Some products and services may not be available in all states.