A USDA Guaranteed Loan is Government insured 100% purchase loan. These Loans are only offered in rural area's and serviced by direct lenders that meet federal guideline's.

This program is administered by USDA Rural Development, which serves the public through more than 800 field offices nationwide. Sometimes good credit and a steady income are not enough to qualify for a home loan at a commercial lending institution, such as a bank, savings and loan or mortgage company.

More rural families and individuals may be eligible to become homeowners with the help of a USDA guaranteed home loan. When the federal government agrees to guarantee a loan, lending institutions can help buyers while incurring less risk. Through USDA’s Guaranteed Rural Housing Loan Program, low- and moderate-income people can qualify for mortgages even without a down payment.

*102% Financing based on appraised value, if appraised value exceeds sales price, borrower can finance closing costs!

*No monthly mortgage insurance, 1-time guarantee fee of 2% that can finance above the appraised value.

*No asset requirements.


*No first time homebuyer restrictions.

*No minimum cash contribution from borrower.

*Up to 10k in repairs can be financed.

We are not affiliated with any mortgage lender or broker nor are we claiming to be. We are a local Washington State consumer mortgage helper web site. We are based in the Marysville, WA area. This web page is subject to change with out notice do to variable changes in mortgage programs available with various companies.