If you have any questions regarding USDA mortgage loans you should consider it a smart option to get the help from experts in the field. Professionals who specialize in real estate may guide you to the most suitable loan. A USDA mortgage loan is backed by the United States Department of Agriculture that provides 100 percent financing for all costs. The cost for closing USDA mortgage loans are much lower, and it allows greater flexibility during the buying process. This type of loan requires at least a household income of 18-years-old. While there will be monthly housing fees, this kind of payment is less expensive than different loans. There is no way to qualify for an USDA loan if you own more than one home. There are certain prerequisites to be eligible for the loan. After you have applied for this type of loan, expect there to be some delay in hearing the outcome of your application for approval. exdwbq1hbj.