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USDA Loans are primarily used to help low-income individuals or households purchase homes in rural areas. Funds can be used to build, repair, renovate or relocate a home, or to purchase  a home.

Eligibility:

  • Applicants must have low to very low incomes. Very low income is defined as below 50% of the area median income; low income is between 50% and 80% of the area median income; moderate is 80% to 100% of the area median income.
  • Families must be without adequate housing, but be able to afford the mortgage payments, including taxes and insurance, which are usually 24% of an applicant’s income. Applicants must be unable to obtain credit elsewhere, yet have reasonable credit histories.
Shane, you were definitely the right dog to put in the fight. Everyone else told me that my situation would not allow me to purchase another home for my family and you were the only one out of many that said it could be done! They were dead wrong! Thanks so much for your effort and making my family's dreams come true. If anyone out there needs a real expert on the VA home loan process, Shane Johnson is the person to talk to. Thanks again! Sergeant Kenneth J. Guidry HHC 3/156 Infantry