Looking for a USDA Rural Mortgage? - you have come to the right place!

The USDA Mortgage Group of Cornerstone Home Lending is here to serve all of your rural mortgage needs. Do you have questions? Do you need to get the USDA Home Loan process started immediately? If so, contact us today 206 569 USDA. Our team specializes in USDA home loans for Washington State residents. Our experience in USDA lending insures that your USDA home loan will close on time and on budget. Talk to the local experts today.

Demand for USDA Mortgages has trippled between 2005 and today, find out what the buzz is about. If you havn’t considered a USDA Home Loan you’re missing out.

About the USDA Mortgage Group

• Read our About Us Page
• Watch our USDA Mortgage Video
• See what our past clients are saying in our USDA Testimonials Page
• See our Yakima County USDA Page

Why are USDA Home Loans so Popular?

• No Mortgage Insurance Premium
• No Down Payment Require
• 620 Credit Scores and Up

USDA Home Loans in Washington – Mason County

Advantages of a USDA Home Loan

• No Down Payment Required
• No Mortgage Insurance
• 620 Minimum Credit Score
• Sellers can Pay Borrowers Closing Costs

With benefits like these it’s no mystery why Washington USDA Home Loans have become extremely popular over the last few years. In today’s loan market only 2 home loans offer Zero Money Down Purchase: those 2 are the USDA and VA Home Loan Program. When compared directly to FHA and Conventional Loans the USDA home loan become the clear choice for borrowers in rural areas. FHA loans require a 3.5% down payment while Conventional loans require up to a 10% down payment. Furthermore FHA and Conventional loans require Mortgage Insurance when the Loan to Value (LTV) is above 80%, USDA home loans on the other hand do not require Mortgage Insurance.

USDA Eligibility Map for Mason County Washington

Because Mason County Washington is rural, the entire County is eligible for a USDA Home Loan. If you are buying a home in Mason County Washington and need help with a USDA Home Loan contact us today.

More information on Washington USDA Home Loans

• Watch our video: USDA Home Loans Explained
• Read our most commonly asked USDA Questions
• Read about the USDA Mortgage Group

USDA Home Loans Mason County – Communities Served Include

• Agate
• Allyn
• Arcadia
• Ballow
• Bayshore
• Belfair
• Dayton
• Deckerville
• Dewatto
• Eldon
• Fair Harbor
• Forbes
• Forest Beach
• Frisken Wye
• Graham Point
• Grant
• Grapeview
• Hartstene
• Hoodsport
• Kamilche
• Lilliwaup
• Little Hoquiam
• Marmac
• Matlock
• Mohrweis
• New Kamilche
• Oakland
• Potlatch
• Shelton
• Skokomish
• Stimson
• Sunbeach
• Sunset Beach
• Tahuya
• Triton
• Union
• Victor

USDA Home Loan Washington – Adams County

The USDA Mortgage Group offers USDA home loans throughout Washington State, including Adams County Washington. Adams County is not very populated, USDA borrowers will find that all of Adams County is Eligible for a USDA rural Mortgage.

Advantages of a Washington USDA Home Loan

• No Payment Required – save your cash
• No Mortgage Insurance – keeps your monthly payment lower
• 620 Minimum Credit Score – decent credit is required
• Sellers Can pay Borrowers Closing Costs - limits your out of pocket expenses

How do I Qualify for a Washington USDA Home Loan?

• Must be purchasing a home in a USDA rural area
• Must meet the USDA income eligibility limits
• Must meet all USDA credit eligibility guidelines
• Must have a credit score above 620 for our program
• Contact us to take an application – we will guide you through the process

About the USDA Mortgage Group

• Watch our USDA Home Loan Video
• Read what our past clients are saying on our USDA Testimonial Page
• Read our USDA F&Q page to view the most commonly asked USDA questions
• Finally, read more about us here

Adams County USDA Eligibility Map

From the map below you will see that all of Adams County Washington is considered rural by the USDA. This makes the entire county eligible for a USDA home loan as long as all other credit and income guidelines are met.

All of Adams County is USDA Eligible

Click play to watch Ray’s video on USDA home loans.

USDA Home Loans in Washington – Whitman County

Everyday borrowers rely on our expertise to get their USDA home loans closed on time and on budget. We are available 7 days a week to answer any questions you might have about USDA mortgages and real estate in Whitman County. Find out why USDA mortgages have become so popular while other loan types are going extinct.

Advantages of a USDA Home Loan in Washington

• No Down Payment – get into a home for no money down
• No Mortgage Insurance – this can save you hundreds $$$ per month
• Sellers Can Pay Your Closing Cost – effectively eliminating your out of pocket expenses
• 620 Minimum Credit Score- less than perfect credit may be ok

Washington USDA Home Loan and FHA Home Loans Compared

• FHA Home Loans require a 3.5% Down payment
• FHA Home Loans have Mortgage Insurance which can range between $50-$250 per month extra
• FHA and USDA Loans have very similar underwriting criteria
• USDA loans are only available in rural areas

USDA Eligibility Map Whitman County & Pullman Washington

USDA Home Loans in Washington are only available in rural areas, typically towns with a population less than 25,000. In Whitman County the only populated area is located in Pullman. As you can see from the map below the city limits of Pullman Washington are ineligible, however the rest of Whitman County is eligible for a USDA mortgage.

*Dark Orange Areas are Ineligible

USDA Mortgage Group.com – Call Us Today! - (206) 569 8732

Advantages of a USDA Rural Mortgage

• No Down Payment Required – Buy a house with no down payment
• No Mortgage Insurance – Helps keep your monthly payment low
• Flexible Credit Underwriting – Less than perfect credit can be ok

In recent years demand for USDA Home Loans has more than tripled, primarily because USDA loans do not require a down payment. A few years ago when mortgages were extremely flexible borrowers could find Zero Money Down home loans everywhere, today that is not the case.

The team of professionals at the USDA Mortgage Group is here to answer any mortgage or real estate questions you might have. We encourage you to contact us today and get the conversation started.

What does it take to Qualify?

• Must be purchasing a home in a USDA rural area
• Must fit within the USDA’s Income Limits
• 620 minimum credit score is required
• No Bankruptcy or Foreclose in the past 3 years

 *General Guidelines Only, call for details

USDA Eligibility Map for Walla Walla Washington

Washington USDA Home Loans are only available in rural areas, typically towns with a population less than 25,000, As you can imagine there are some ineligibile areas in Walla Walla County. From the map below you can see that the more populated areas located in the Cities Limits of Walla Walla are ineiligble. However, the rest of Walla Walla County is consider rural by the USDA and is totally eligible for this loan program.

*Dark Orange Areas are Ineligible

 USDA Mortgage Group.com – Call Us Today! - (206) 569 8732

We offer USDA Home Loans in Thurston County Washington

If you’re purchasing a home in Washington State definitely give the USDA Rural Mortgage Program a closer looking. Many borrowers will find that a USDA home loan is a better option than FHA or Conventional financing. Why?…. for three main reasons:

• No Down Payment – Purchase a home with no money out of pocket.
• No Mortgage Insurance – This keeps your monthly payment lower.
• Flexible Credit Criteria – 620 minimum credit score required.

Once you do your research you will find that the USDA Mortgage is one of the only mortgage types still in existence today which offers a Zero Money Down Option. In comparison, FHA loans require 3.5% down and have mortgage insurance. Conventional loans require 10-20% down and also require a mortgage insurance premium.

How is a USDA Mortgage different?

USDA home loans were created for rural communities, meaning towns with populations less than 25,000. Simply put, this program cannot be used in densely populated areas, however, borrowers will find that a vast majority of Washington State is eligible for a USDA rural home loan. Furthermore, USDA mortgages were designed for moderate to low income borrowers who fit within the USDA income limits for each county and MSA.

USDA Eligibility Map for Olympia and Thurtson County Washington

Most of Thurston County is eligible for USDA financing except for the more populated areas located around Olympia, Lacey, Tumwater, and Thompson Place.  Below we have attached a USDA property map for Thurston County Washington. If you need help determining if a specific address is eligible – give us a call today.

*Dark Orange Areas are Ineligible

USDA Mortgage Group.com – Call Us Today! - (206) 569 8732

What is a USDA Mortgage?

You probably already know that there are many different mortgages available to well qualified borrowers, however, if you haven’t heard about the USDA home loan you could be missing out, big time. A USDA rural home loan is a government insured mortgage that is originated by lenders throughout Washington State. This mortgage product is designed to support rural families which fall into the USDA’s moderate to low income limits. The USDA will ultimately determine which areas of the state are rural, but in general, ”rural” means having a population less than 25,000.

In recent years the demand for USDA home loans has sky rocketed. This is due to a number of key advantages offered by this program which make it a better choice than FHA or Conventional financing for most borrowers. These advantages include:

• No Down Payment Required to Purchase a Home
• No Mortgage Insurance
• 620 Minimum Credit Score

Bottom line: if you live in a rural area you need to give this program a closer look. With a USDA Mortgage you can buy a home with no down payment and keep your monthly payments low by avoiding costly mortgage insurance which is common to all other loans types.

USDA Eligibility Map – Mt Vernon – Skagit County

To help you better determine which areas of the Skagit County Washington are open for a USDA home loan we have attached an USDA eligibility map below. Borrowers will find that only the more populated areas located around Mt Vernon Washington are ineligible. The rest of Skagit County is considered rural by the USDA and eligible for this loan type.

*Dark Orange areas are ineligible.

USDA Mortgage Group.com – Call Us Today! - (206) 569 8732

We offer Zero Money Down Home Loans in Cowlitz County Washington 

In recent years USDA home loans have become a popular choice for Washington State residents purchasing homes in Cowlitz County. When compared to FHA and Conventional financing the a USDA Mortgage offers a number of major advantages which cannot be ignored, these include:  

• No Down Payment Requirement
• No Mortgage Insurance
• 620 Minimum Credit Scores
• Sellers are allowed to pay buyers closing costs

The USDA mortgage was designed to support rural families. Meaning that this loan program can only be used in towns with populations less than 25,000. Residents of Cowlitz county will find that the only ineligible areas are located around Longview Washington. To help you better determine which areas of the county are eligible for USDA financing we have posted a map of Longview Washington and the surrounding neighborhoods below.   

USDA Eligibility Map – Longview Washington

*Dark Orange areas are ineligible

 USDA Mortgage Group.com – Call Us Today! - (206) 569 8732