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The Washington State USDA Rural Development Home Loan Program has gone through a few changes lately, so make sure you pay close attention throughout this article and the short video to identify the common pitfalls that I am seeing homebuyers make (with their Realtors) as it pertains to buying a home in Washington State with USDA financing.

Washington State USDA Home Loans

Some Details About the USDA Home Loan Program in Washington State

– Zero Down, no down payment required
– Low monthly private mortgage insurance (PMI)
– Very competitive 30-year fixed rates
– 640 minimum credit score required
– Flexible underwriting guidelines (see me for specific questions… employment, credit, debt-to-income..)
– Up to 6% seller contribution
– Can use to buy new construction
– Can use to finance a REO or short sale

Make sure to note (as I mentioned in the video) that the property must meet a certain standard.  It is important that your mortgage banker and Realtor understand this before writing an offer on a home if you plan on using USDA financing.  For more information on Washington USDA Rural Development property qualifying guidelines, you can view this article that I published directly from a USDA and FHA underwriter – FHA/USDA Property Guidelines

I help Washington State homebuyers purchase homes with USDA Financing all over the state.  Our bank is one of the exclusive banks that works directly with USDA to provide the most competitive interest rates, underwriting guidelines, and quick funding turntimes.  Currently, we are funding Washington USDA Mortgages in less than 20 days (turntimes subject to change -contact Dan for updates).

If you would like more information on getting approved to purchase a home with USDA financing or would like a FREE property eligibility map, please contact me directly at (425) 350-7136 or email  We will gladly respond within one hour of your contact.

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Dan Keller MLO# 115349

Call/Text: (425) 350-7136


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Dan Keller – Lic # MLO 115349
Mortgage Advisor/Branch Manager at
CrossCountry Mortgage, Edmonds, WA
8129 Ballinger Way Suite 105
Edmonds, Wa 98026

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