how to get a usda direct loan?

Sounds like you would be okay with a USDA guaranteed loan as well. With USDA you need to make sure the property is in a designated rural area. You can look up areas at this website http://eligibility.sc.egov.usda.gov/eligibility/welcomeAction.do?pageAction=sfp just click the accept and put in an address or use the map function to look up an entire area. Tip, make sure when doing this to let the screen load because you might move to an area and it looks like it's in a rural area, but then a few seconds later you find out it's not once the computer catches up to you. I would speak with a local loan officer and have them go over all of your options including USDA. Best wishes, Sean

hi there:Mr. Young below has provided you with good information. Be glad to further assist if you need so. As you know USDA is 100% financing and property must be in designated rural area listed. Let us know how we may earn your business. We are bank lending nationwide with flexible u/writing guidelines. Mike (703) 505 5300 NMLS 754875

HI - I just checked the USDA website and looks like Hesperia is NOT an eligible area. I looked up Hesperia and see the population is about 92,000 people. Typically USDA loans are only good in smaller or rural towns with populations of about 20000 or less. You might look at smaller towns outside of Hesperia to see if there are any qualified areas. I'm Marty Stern with HomeStreet Bank in California - let me know if I can be of any further assistance. 707-364-4115, NMLS 317023