100% Financing Options Available

USDA Guaranteed Rural Housing Program


  • 30 year fixed/No prepayment penalties
  • Low Monthly Mortgage Insurance
  • 100% Gift for Closing Costs


  • Must be located in eligible rural area. For Example: Willamina
  • Primary Residence Only


  • Non-traditional credit allowed
  • Not limited to first-time homebuyers
  • Income calculation is based on ALL working adults living in the home

Sample USDA Mortgage Payment Scenarios

Sample FHA Mortgage Payment Scenarios

Pacific Residential Mortage

Ryan Arzer, Pacific Residential Mortgage

Ryan_ArznerRyan Arzner, MLO-247157
Area Branch Manager
Pacific Residential Mortgage
Mobile: (503) 560-1856
Email: Ryan.Arzner@pacresmortgage.com
Website: www.pacresmortgage.com


Licensed in Oregon, Ryan Arzner specializes in FHA, Oregon Bond and USDA zero percent down programs. He is a Senior Mortgage Banker with Pacific Residential Mortgage and manages branches in McMinnville, Forest Grove, Hillsboro and Sherwood.

At Pacific Residential Mortgage, we believe that successful transactions are all about selecting the right options. Buying a home is major personal and financial investment, yet many homebuyers get in and out of their loan without fully understanding it or exploring all of the options available to them. Every loan program has different timelines and advantages. Our philosophy is to empower and guide clients so they make the best choices for the greatest possible benefit.

*Call your mortgage banker to verify if the property address is within the eligible location. Credit on approval. Terms subject to change without notice. Not a commitment to lend. Call for details.