USDA Mortgages

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If you prefer pastures instead of pavements and don’t qualify for a traditional mortgage due to your income limit or credit history, a USDA loan might be right for you. Here’s how: 

• 640+ credit score to qualify for the USDA underwriting system
• US citizenship and living in a rural location with a population of fewer than 35,000 people
• Verifiable employment history from the past two years
• An acceptable credit history with no accounts converted to collection within 12 months
• A monthly payment that’s 29% of your monthly income