Many times if you are considering a property that qualifies for USDA you need to let your Lender know. The Lender may not offer this loan as a first option because it does limit where you can purchase. One slight draw back with USDA is there are two under writing processes, so the loan process can be a little longer. But the wait is worth 100% financing. Most local Lenders do offer USDA Guaranteed loans.
Best of Luck!
USDA loans are 100%, no money down programs. Most local Lender are familiar with USDA loans but you need to let them know you are interested in a USDA loan.
My website: http://www.SavannahBestListings.com - Serving the tri-county Savannah areas.