(541) 962-7557

1429 Adams Ave.,

La Grande, OR 97850

Go rural, live grand: Explore the potential of Mann Mortgage’s USDA loans!

The BEST way to make rural living affordable, enabling more purchases in these special areas with $0 down.

What are USDA RD home loans?

For residents of Island City, Orodell, Hot Lake, and surrounding areas seeking financial solutions to achieve their dream of homeownership, our La Grande Office provides a valuable resource through USDA loans. These loans offer a unique path to home buying, catering to individuals who may not meet conventional lending requirements. In this comprehensive guide, we delve into the intricacies of USDA loans, their advantages, and limitations. Whether you’re a first-time homebuyer or aiming to upgrade, this guide equips you with the knowledge needed to navigate the USDA loan landscape effectively.
Man rubbing dogs belly

Not sure where to get started? That's okay too, we're happy to meet you where you're at and direct you to the right place or person.

USDA RD loans at a glance.

  • Backed by the United States Department of Agriculture, USDA loans are designed to offer accessible financing options to individuals with modest incomes, particularly those living in rural areas.
  • One of the most appealing features is the ability to secure a USDA loan with a zero down payment. This eliminates the need for a substantial upfront payment, making homeownership more achievable.
  • USDA loans often come with competitive interest rates, resulting in potential long-term savings for borrowers over the life of the loan.
  • The La Grande Office acknowledges that credit histories can vary, and USDA loans provide flexibility in credit requirements, making them a viable option for a broader range of applicants.
  • To qualify for a USDA loan, the property must be located in a USDA-eligible rural area. This geographical criterion encourages homeownership in less densely populated regions.

Understanding the USDA Loan Process in the La Grande Office:

Begin by contacting the La Grande Office to assess your eligibility and determine an appropriate loan amount based on your financial situation.

Confirm that the property you intend to purchase meets USDA’s rural area criteria. The La Grande Office can assist in verifying the property’s eligibility.

Submit a formal loan application along with essential documents, including income verification, credit history, and property details.

Our La Grande Office reviews your application, conducts a property appraisal, and evaluates your financial stability to ensure you meet the loan requirements.

Loan Approval and Closing: Once your application is approved, you’ll proceed to the closing stage. Here, final paperwork is completed, and you become the proud owner of your new home.

Applying for a home has

never been easier

Our quick and secure process takes less than 10 minutes to apply.

Learn more about

USDA RD loans

USDA loans are tailored for rural living and are typically not applicable to suburban or urban homes.
Yes, USDA loans have income limits based on the area’s median income. Contact the La Grande Office for precise details.
While USDA loans are primarily for home purchases, there are specific USDA loan programs that facilitate refinancing under certain circumstances.
No, USDA loans are available to both first-time and repeat homebuyers.
While a strong credit history is beneficial, our La Grande Office offers flexibility in credit requirements, making USDA loans accessible to a wider range of applicants.
Our La Grande Office’s commitment to USDA loans presents a gateway to homeownership for a diverse array of individuals. By understanding the benefits, limitations, and application process, you can confidently embark on the journey toward achieving your homeownership aspirations. Whether you’re drawn to the tranquility of rural living or seeking a financial solution aligned with your unique circumstances, USDA loans stand as a viable and advantageous choice.

“Helped me out a getting USDA loan when another business told me I couldn't get one! Thanks for always keeping in touch with me during the whole process!”

Coby B.

Let's get you home.

100% financing with low closing costs for homes in eligible rural areas. Our local loan experts will help guide you.

If you have a loan officer you are working with, please select them from the list below.