USDA loans involve Risk-based pricing which "refers to the practice of using a consumerâ€™s credit report, which reflects his or her risk of nonpayment, in setting or adjusting the price and other terms of credit offered or extended to a particular consumer." (Frank Dorman - Federal Trade Commission - http://www.ftc.gov/opa/2008/05/factfyi.shtm ) PHH Mortage has been offering USDA loans for an average of about 5.3%. If you would like, I would be glad to get Kevin Reading from PHH to help you! E-mail me if so! If you have any more questions or if there is ever anything else I can do for you, let me know, I will be glad to help!