Rural Buyers

Eastern WA and North Idaho were made for USDA.

Zero down in more places than you think.

If you are buying in this region there is a strong chance USDA Rural Development financing is available in your area. Zero down payment, competitive rates, and a path to homeownership that most buyers do not even know exists. I know this program and this market inside and out.

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Your path to homeownership

I check your area eligibility in minutes

Tell me the address or area you are targeting and I will tell you immediately whether USDA applies.

We confirm your income eligibility

USDA income limits are higher than most people expect and adjust for family size. Many who assume they do not qualify actually do.

We structure your loan for zero down

The 1% upfront guarantee fee can be financed into the loan so you truly come to closing with minimal out of pocket costs.

We get your pre-approval in place

Fast pre-approvals so you can make competitive offers in the Eastern WA and North Idaho market.

I stay with you to closing

USDA loans have a few extra steps. I handle all of it and keep you informed throughout.

Recommended programs

Loan programs that fit your situation

USDA Rural

Zero down financing for eligible areas. The primary program for rural and suburban buyers in Eastern WA and North Idaho.

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FHA Loans

If your area does not qualify for USDA, FHA is the next best option with low down payment requirements.

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Down Payment Assistance

Can be combined with other programs to cover down payment and closing costs.

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Not sure where to start?

Tell me about your situation and I will point you in the right direction. No pressure, no commitment. Just real answers.

Get Pre-Approved Call (253) 417-8790

Common questions

What buyers like you ask

Does rural mean I have to be far from a city?

No. Many areas near Spokane, Coeur d'Alene, and other cities qualify. The USDA eligibility map often surprises people.

What areas in Eastern WA qualify?

Much of Eastern WA qualifies including Newport, Deer Park, Airway Heights, and most rural communities. I can check any specific address in minutes.

What areas in North Idaho qualify?

Most of North Idaho qualifies for USDA including Post Falls, Sandpoint, Hayden, Rathdrum, Athol, and surrounding areas.

Is there really no down payment required?

Correct. USDA is one of only two programs that offers true zero down financing. The other is VA.

What are the income limits?

They vary by county and household size but are typically around $110,000 to $130,000 for a family of four in Eastern WA and North Idaho.

How long does USDA approval take?

USDA loans require an additional approval from the USDA office which adds a few days to the process. I factor this into your timeline from the start.