The USDA changed rules in 2009 that makes millions of Americans eligible for its rural mortgage programs. The American dream of home ownership has become more difficult as families struggle to come up with the 20% down payment that many conventional home loans require.
USDA Loans remain one of the best options for rural buyers. Many homes qualify for this type of loan, and interest rates are often more favorable than other options. With the USDA loan many are still able to get a zero down home loan.