In this video, learn all about USDA loans and if they are right for your situation. The United States Department of Agriculture (USDA) provides mortgages of last resort to the people in rural areas who need them the most. We show you various ways to get a USDA home loan and the qualifications you must meet. Qualification standards for these home loans are lenient compared to those of other mortgages, but you will need a steady income that's high enough to repay the loan over 30+ years at a fixed interest rate. The definition of "rural" is broader than you might think. The rules for the Direct Loan program define an eligible rural area as having less than 35,000 residents. We show you how USDA home loans work and help you make your first step toward securing one in this video guide.