Although we also do USDA financing, it is something I would avoid at all costs. The Florida USDA Office can cause your loan to take 90-120 days to close. You also may be above the income limits for the median income. We approve the loan and then they go to USDA for final approval. Many sellers can not wait around for USDA financing in this market. I would look at VA, FHA or FHA 203k which is approved with us in 48 hrs and closed in 30 days.