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laghetto21
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The last post in this topic was posted 4200 days ago. 

 

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USDA is considered by statute a "lender of last resort". Meaning they do not exist to compete with other lenders nor are they supposed to grant a mortgage if the buyer has other options.

 

If the OP is over the limit for the income required for the guaranteed loan, then you will likely qualify for another mortgage product at another institution.

 

If the OP is over the limit for the income required for the Direct Program (very low & low income) then you don't qualify for a subsidy and they will move you to a guaranteed loan.

 

If you are otherwise worthy of a mortgage, why get stuck on USDA?

 

 

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