Government
USDA Loans
Zero-down financing for eligible rural and suburban homebuyers.
Overview
USDA loans, backed by the U.S. Department of Agriculture, offer eligible buyers in designated rural and suburban areas a path to homeownership with no down payment and below-market mortgage insurance. Designed to support communities outside dense urban centers, USDA loans can be an excellent option for buyers who qualify based on income limits and property location.
Who It May Fit
Buyers purchasing in eligible rural or suburban areas who meet household income limits.
Potential Benefits
- No down payment required
- Below-market mortgage insurance rates
- Competitive fixed rates
- Closing costs may be rolled into the loan or paid by the seller
- Available for new construction in eligible areas
Important Considerations
- Property must be in a USDA-eligible area
- Household income must meet program limits
- Upfront guarantee fee and annual fee apply
- Limited to primary residences
USDA Loans Specialists
Angela Valdez
Operations Manager Mortgage Loan Officer
With over 16 years of experience, I am dedicated to helping families across Oregon and Washington achieve their homeownership dreams. As a Loan Officer and Branch Operations Manager at One Eleven Mortgage, I combine deep expertise with personalized care to ensure a seamless lending experience.
Keri Vincent
Mortgage Loan Officer
As a Loan Originator with One Eleven Mortgage, I am dedicated to providing clear, honest guidance to help my clients feel confident throughout their homebuying journey. I prioritize building lasting relationships and am committed to supporting you from our first conversation through to closing.
Next Step
See if It Fits Your Goals
Connect with a One Eleven loan officer to review eligibility, structure, and next steps.