Today's Mortgage Rate:

2.875% Fixed | APR 3.915%

FHA, 15-year fixed, 10% equity, qualified credit

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USDA loans offer homebuyers in eligible rural and suburban areas an affordable home loan with low fixed-rates and no down payment. Backed by the United States Department of Agriculture, USDA loans were originally intended as a rural development program but have now expanded to include many rural and suburban areas. These new, inclusive qualification guidelines allow even more Portland residents to purchase a home using a USDA loan.

Advantages of USDA Loans

  • No Down Payment 100% of the home’s purchase price can be financed, making USDA loans a great option for Portland homebuyers that do not have much cash on hand.
  • Lower Income and Credit Requirements Because USDA loans were originally designed to help low and middle-income borrowers purchase a home, lower income Portland homebuyers with a current, stable work history and a lower than average credit scores are still eligible for a USDA loan.
  • Low Interest Rates and Fees Because these are government-backed loans, the interest rates for USDA loans are lower than the typical 15- and 30-year mortgage terms. With affordable private mortgage insurance (PMI) and the option of including closing costs in the loan, USDA loans offer big financial savings and keep your cash requirements to a minimum.

USDA Loans in Portland

Golden Oak Lending Portland specializes in USDA loans, and our mortgage experts can help you determine if your home’s location qualifies you for a USDA loan. For eligible homebuyers, your personal loan officer will provide you with USDA loan options to suit your specific needs and goals. At Golden Oak Lending Portland, we always offer you a great low rate, and our streamlined procedures are designed to save you as much money as possible. With many years in the Portland real estate market, our experienced and knowledgeable specialists know exactly how to quickly and efficiently secure you the best USDA loan. Call or contact Golden Oak Lending Portland today!

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