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USDA Home Loans are primarily used to help low-income individuals and allows 100% financing for a home purchase, or refinancing in a designated rural area that is USDA designated. These home loans are guaranteed by the United States Department of Agriculture and must meet guideline requirements. Home loan eligibility is based primarily on income and the property you are choosing to purchase.
Eligibility may be restricted to rural areas—"rural" being defined very loosely—but USDA loans are still great because they're extremely accommodating of low-income consumers. Even if you do have trouble paying your mortgage, they'll give you a break, with subsidies, assuming you meet the requirements. Unlike conventional mortgages, there's no down payment required – the loan can even cover closing costs, if the seller doesn't. You don't have to have great credit, either: If your FICO score is low because you don't have a recent credit history – rather than having a bad credit history – you may still qualify. For short-term loans go here.
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For Sale: $85,000
For Sale: $154,900
For Sale: $93,500