If you're like many people who've had a bit of bad financial luck in your time, you probably believe that home ownership isn't an option for you. Perhaps you've filed bankruptcy in the past, have less than a perfect credit score, or simply can't save up the required down payment. Fortunately, you do have options concerning home ownership that you may not be aware of. For instance, the U.S. Department of Agriculture (USDA) has a home loan program targeted toward those who can't qualify for mortgages with traditional lenders.
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