I felt compelled to answer your question since my aunt lives in Lemoore and is married to one of the local mail carriers. She loves this town and its people, and by extension, so do I. Hope this helps.
For more information on USDA home loan program go to http://eligibility.sc.egov.usda.gov. Down the left side of the page are links to income eligibility, income limits, loan program basics, and how to contact the agency that oversees the program. If you find you and the property you are looking at are eligible, then go to the contact us, and click the guaranteed or direct link, based on your eligibility.
As an example, for a family of 4 with two wage earners and two dependents, the maximum adjusted household income allowed for Section 502 Guaranteed Rural Housing Loan Program in Kings County, California is: $70,750.00. For Section 502 Direct Rural Housing Loan Program the Maximum Adjusted Household Income is $43,050.00 .
Best of luck to you in finding your perfect home and Dare to Dream.
Real Estate Consultant
RE/MAX Palos Verdes
If you have a 620 or better score you can get away with open collections, recent bankruptcies or foreclosures. Below 620, USDA is looking for about 12 months of on-time credit payments. It's a very good program and if you are not in what you would term a metropolitan area you will probably be eligible.
Jimmy W. Hill
Chief Information Officer
National Home Lending