· USDA Home Loan Requirements. The USDA tends to issue and guarantee mortgages when applicants are in desperate need of financing. Families and individuals can only qualify if they aren’t eligible for conventional home loans and their current housing conditions are inadequate, unsanitary or.
How an RHS Loan Works There are different types of loan programs available through the USDA’s RHS, each with its own requirements for applicants and lenders. Single Family Housing Direct Home Loans.