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USDA Loans

Bringing affordable homeownership to the rural Pacific Northwest

Sound recognizes the importance of fostering sustainable and thriving communities throughout the rural areas of the Greater Puget Sound Region and Washington State.

Key Features & Benefits

Zero Down Payment

With USDA Loans, qualified applicants can secure a mortgage without the burden of a hefty down payment, making it easier to achieve the dream of homeownership.

Competitive Interest Rates

Enjoy competitive interest rates, ensuring that your monthly mortgage payments remain affordable and manageable over the life of the loan.

Flexible Credit Requirements

Even if you don’t have a perfect credit score, you may still be eligible for a USDA Loan. Our flexible credit requirements make it easier for more individuals and families to qualify.

Low Monthly Mortgage Insurance

Benefit from low monthly mortgage insurance premiums, allowing you to save more on your overall housing costs.

Eligibility Criteria

To qualify for a USDA Loan, applicants must meet certain criteria, including:

  • Purchasing a home in an eligible rural area as defined by the USDA
  • Meeting income requirements as specified by the program
  • Demonstrating the ability to repay the loan
father with young son on the edge of small lake pond around sunset

How Sound Credit Union Can Help

Our experienced team of Mortgage Loan Officers are dedicated to guiding your through the entire loan process, from initial application to final approval.

We provide personalized assistance and expert advice to ensure that your understand all the details and requirements associated with a USDA Rural Development Loan.


girl on the porch with her dog

What are USDA Rural Development Loans?

USDA Rural Development Loans, backed by the United States Department of Agriculture, provide affordable home financing options to individuals and families in rural communities. These loans are specifically tailored to make homeownership more accessible and sustainable for those living in less densely populated areas.

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All loans require Sound membership and are subject to credit approval. Verification of income may be required. Must be 18 years of age to qualify for loan. APR is Annual Percentage Rate. Rate and offer subject to change at any time.

1FHA: Premium Mortgage Insurance (PMI) required for life of loan. VA: available to active duty military or qualifying veterans only.