USDA mortgage loans are designed to help you buy in rural areas. Applicants must meet income limitations as defined by the area median income. The USDA mortgage loans are separated out to Direct and Guaranteed segments. Income limits will vary by segment.
You must have a reasonable credit history. The loan term is set for 30 years, and the interest rate will be competitive. The house also has to be in a defined area as eligible to lend for USDA purposes.
Put in a request today if you think you are buying in a potentially rural area!