The USDA loan is great option for *Qualified* buyers. It’s one of the only loans were you have the ability to get into a home with little to nothing out of pocket. The USDA loan is a 30 year fixed rate loan with no payoff penalties and great rates. It makes a perfect fit for anyone who has a 640 or higher credit score and acceptable income. You will need to make sure you have been at your current job for a minimum of 12 months or have a full 2 year work history with no job gaps in order to have the underwriter accept your income. Self-employed buyers are also welcome when it comes to USDA financing, if you are self-employed all we will require is a full two years of filled tax returns to give you credit for consistent income over the two year average. I would recommend the USDA loan to anyone looking to buy a home unless you are looking for an investment property as the USDA will not finance those types of dwellings. If you are looking to buy a home and plan on living in that home within 60 days after you close than give me a call today to see how much you can qualify for. We pride our self’s on getting you into your dream house with as little to nothing as possible!