Hi Shirley! I agree with Mark. You need to find a lender who closes USDA loans. Some lenders don't do them so make sure you find someone who is experienced. It is a great loan for those who do qualify. I work in a subdivision that qualifies for rural housing and our preferred lender is Bank of America. Bank of America normally doesn't do the USDA loans but he previously work for Countrywide. I would contact Countrywide first and then contact Bank of America to find out if they do them in your area. I hope this helps and good luck in your home search!