It sounds too good to be true, but it’s real and thousands of people use it every month. USDA, aka a rural development loan, helps people become homeowners in rural areas. There are four ways a USDA loan benefits homebuyers. No Down Payment, Attractive Interest Rates, Flexible Credit Guidelines (perfect credit is not required) and the seller is allowed to pay all your closing costs. Getting a USDA loan is not just for those that are willing to make a deal with the devil or to be politically correct, a deal with God. Either way, no deals need to be made, you can keep your soul and you don’t need to give up one of your kids. Even if you want to because at age 14 they never listen, never clean up, argue about everything and some are confident you were put on the earth to ruin their life. It’s at this point you may want to give them away but with that attitude there’s not a deal you could make to get anybody to take them. The problem is at this point you’ve waited too long, they no longer have any trade-in-value. Since this loan is 100% financing if you find the right seller who agrees to pay all your closing costs you can literally buy a home with nothing down! Why buy now? Because each year Congress appropriates money for USDA loans. The amount of money appropriated by Congress does not always meet the demand for loan funds and the Agency may run out of money for some programs. To see a map of the eligible USDA no down cities and to get an easy way to learn your no down options just text ShowMyOptions to 33444