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Is it better to go through a lender who can do USDA loans in-house, or a lender who has to send the


Thank you for your response. They just mentioned that they have the funds in house to fund the loan and would only have to send the loan to USDA to do the final underwriting. The other lender mentioned that they send all of the details you USDA themselves and so the process takes longer. Also one lender required a credit score of 640 and the other 620. I'm beginning to get confused with the requirements to qualify for USDA. Would anyone be albe to better explain it to me?