Individuals seeking to purchase a home in rural areas may do so by obtaining a loan through the Rural Housing Service program. Under this program, there is no down payment required and the closing costs are less than most traditional loans.
Borrowers must have a satisfactory credit history to be approved. This loan is similar to other government programs, the RHS is a loan guarantee program.
The location of property determines if the home qualifies and there are income restrictions and limitations.
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