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USDA Loans


A USDA loan makes homeownership attainable for those who may not be able to afford to buy a home otherwise. For qualified property in rural areas.

No down payment required – You can buy a home with no down payment, as long as the sales price does not exceed the home’s appraised value.
Lower Private Mortgage Insurance – Most low-down payment mortgages require Private Mortgage Insurance (PMI), which raises your monthly payment. A USDA home loan in Washington state will save you money because PMI is lower with a USDA loan.

  • Competitive fixed interest rates
  • Flexible credit scores. USDA doesn’t set a minimum credit score
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USDA Loan Eligibility

To be eligible for a USDA loan and USDA Streamline refinance, you need to: 

  • Be a U.S. citizen, a U.S. non-citizen national, or a qualified alien
  • Live in a USDA determined eligible rural or suburban geographic area. Generally, towns with a population of less than 20,000 qualify.
  • Meet income eligibility limits set by the USDA. These loans are intended for low to moderate incomes.
  • Use the loan to purchase or refinance a primary residence.
  • Show a stable income with at least two years proof of income.
  • Ensure total debt does not exceed 41% of your income.
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Our Team

Meet our dedicated team of experienced mortgage bankers that are committed to helping you find a loan that works for you. All with a smile.

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Become a Savi Borrower

The loan process can seem daunting. That’s why we share our expertise and help you navigate the process.

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