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USDA is now offering the USDA Direct loan in our area, this is a loan specifically being done for low and fixed income buyers, it is not based on credit scores just your need for housing, if you cannot get approved anywhere else this is the loan for you. The interest rates today vary from 1% to 5% depending on income. I closed one of these in the last month and the buyers were able to get in a 140k house for under $400 per month.
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