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Info on USDA-RD Loans? We need a realator that knows how to find houses that are eligible?

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My Husband and I currently live and work in the Corvallis, OR area. We have been pre-approved for a USDA-RD loan the only problem is we can't seem to find any houses that are USDA eligible in our price range around where we work.

Every potential house I have found in not eligible when I put the address into the USDA website.

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April 10 - Corvallis

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Jennifer Venable, "portlandhomeexperts"
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Jennifer Venable, "portlandhomeexperts"

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Are you going through the USDA loan because it's no money down?

Another route I would try so you don't have to find houses in an "area" is to go through other banks that do 100% financing so your not limited.
99% of realtors won't know about these programs, I really stay on top of the loans available especially since I work with so many first time home buyers.
Key Bank has a key community program with 100% financing there is income limitations or area limitations but call a loan officer in Corvallis or Albany at a Key Bank and see what those are for your area. Each area has a different income limitation,and if you qualify.
If you DON"T for Key Bank, Onpoint Credit Union also has 100% financing. There is no income or area restrictions and the rate is about 6.35% 30 year fixed so not so bad for borrowing 100% of the money. I suggest Key Bank first because there is no loan orgination and the fees are a little less exspensive then Onpoint but there is restrictions that Onpoint doesn't have.
There is no mortgage insurance on both of these banks as well because they keep the loans with their banks in house.
I hope this helps, looking at different financing where you can get a home your happy with- where you want to live, instead of trying to find a house that is in a specific area where you might have to drive farther and not be as happy.
I have some phone #'s but they are for Portland locations, so if you google the banks, you can get the Corvallis or Albany locations and phone #'s.

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August 17

WillametteRealtor
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WillametteRealtor

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To qualify for a USDA-RD loan, you will need to find a home outside of the urban growth area as defined by USDA. Examples near Corvallis include neighborhoods east of the Willamette (i.e., Colorado Lake Dr. area); Lewisburg; Bellfountain area; Philomath and Adair Village. There are homes currently on the market in most of these areas. FYI, Corvallis and Albany "urban growth" areas are the only areas excluded in our immediate area.

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April 11

Eric Smith, "ohiosmitty"
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Eric Smith, "ohiosmitty"

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Here is the USDA Eligibility Map for the Benton County Area. Most of this area is eligible, however, as the map indicates with the "orange" coloring...Corvallis is an ineligible town

Click on the map above to see the areas/towns that are eligible. Pretty much everywhere is eligible unless it is shaded in orange.

Hope this helps...or pass this along to your Realtor

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April 10

Thesa Chambers, "Thesa Chambers"
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Thesa Chambers, "Thesa Chambers"

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Apparently the homes you are looking at are in the Urban Growth - USDA is designed for the rural areas - you may have to go out of town to find the home that will qualify. In Central Oregon almost every home qualifies except those in the city limits of Bend. City of Redmond even qualifies.

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April 10

Lew Corcoran, "Lew Corcoran"
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Lew Corcoran, "Lew Corcoran"

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All properties in the Corvallis area of Oregon are ineligible for USDA financing. You will need to search for home outside of the Corvallis area.

See the USDA eligibility map for the Corvallis area at: http://eligibility.sc.egov.usda.gov/eligibility/eligibilityAction.do?pageAction=countyMap&state=OR&st=41&cnty=003&propertytype=#form.PropertyType#

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April 10

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Question Info on USDA-RD Loans? We need a realator that knows how to find houses that are eligible?

Latest answer by Jennifer Venable
August 17

In Finding a buy-side agent
5 Answers - 460 Views

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