Brad HainesMortgage · NMLS #154083

Two questions · one minute

Could you buy with $0 down?

Start with your income line — no address needed. Then, if you have a house in mind, send me the address and I’ll check it on the USDA map myself. No application, no credit pull.

Credit: a score from 580 can work when USDA’s automated system approves the file; a manual underwrite needs 620. I’ll tell you which applies on a call — no credit pull.

1 · Check your income line

USDA caps household income by county. See your line.

Household income limit

$179,050

per year for a household of 3 in Snohomish County · current USDA figure as of October 2026

Under the line? See which towns qualify.

Every week I check new listings against the USDA map. I’ll send you the towns in your county where homes cleared for $0 down, plus what pre-approval takes.

USDA counts the income of every adult who will live in the home, with some deductions for dependents and childcare. The number above is the published ceiling; I confirm your household’s figure on the call.

2 · Have a house in mind?

Any house in Washington. Paste the street address and town and I’ll check it on the USDA map.

Text me this address

On a computer?

I check it against the current USDA eligibility map and reply by text or email. Nothing is pulled, nothing is stored beyond the message.

What happens next

Three steps, none of them a sales call.

1 · TodayYou send an addressText or the form above. I check it on the USDA map, not a guess from a ZIP code. 2 · Ten minutesWe talk about your householdIncome, the house, what you’d pay. No application, no credit pull until you say so. 3 · ThursdaysWatch what cleared this weekEvery new listing on the map, town by town. Towns and counts — never addresses.

Brad Haines · Mortgage Loan Originator · NMLS #154083 · Cascade Premier Mortgage, LLC · NMLS #46283 · Equal Housing Opportunity