I would reccomend this question to a few of my friends in the Mortgage Business. I will give you a short list of those who I have counted on to help me with USDA Loans.
I have experience with each of these fine Loan Officers. Jeff even has a program that will help determine what steps you may take to improve the credit score. You can call me if you have any more questions. I would be happy to help you in any way. Robert Woods 904-545-6867
He is on top of any lender and what the requirements happen to be at that moment. Lenders due change and USDA money is not always available in all areas all the time.
If you have any problems getting this questioned answered feel free to call (904) 742-9309
Thanks for the question
Claire Autrey, REALTOR
Prudential Network Realty