People all over America are taking advantage of USDA loans. Depending on your area, you may be eligible for a USDA loan. These loans allow 100% financing and unlimited sellers concessions, which means a seller can pay all YOUR closing costs.  Other benefits include no explanation for derogatory credit with a score over 620 and an increased income limit of $72,000 per two person household.  Ask one of our representatives if your area qualifies or click on the USDA tab to find out more.  Please call 1-877-4-FHA-USA.