{"id":5,"date":"2021-11-01T20:07:23","date_gmt":"2021-11-01T20:07:23","guid":{"rendered":"https:\/\/startertemplatecloud.com\/g20\/?page_id=5"},"modified":"2024-10-28T19:50:35","modified_gmt":"2024-10-29T01:50:35","slug":"home","status":"publish","type":"page","link":"https:\/\/livingrural.org\/","title":{"rendered":"Home"},"content":{"rendered":"<style>.kb-row-layout-id5_1fe0e7-72 > .kt-row-column-wrap{align-content:center;}:where(.kb-row-layout-id5_1fe0e7-72 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:center;}.kb-row-layout-id5_1fe0e7-72 > .kt-row-column-wrap{column-gap:80px;row-gap:var(--global-kb-gap-md, 2rem);max-width:1300px;margin-left:auto;margin-right:auto;padding-top:130px;padding-bottom:170px;min-height:800px;grid-template-columns:minmax(0, calc(70% - ((80px * 1 )\/2)))minmax(0, calc(30% - ((80px * 1 )\/2)));}.kb-row-layout-id5_1fe0e7-72{background-image:url('https:\/\/livingrural.org\/wp-content\/uploads\/2022\/11\/How-to-Compare-Mortgage-Loan-Offers-900x600-2.jpg');background-size:cover;background-position:center center;background-attachment:scroll;background-repeat:no-repeat;}.kb-row-layout-id5_1fe0e7-72 > .kt-row-layout-overlay{opacity:0.89;background:linear-gradient(155deg, var(--global-palette1) 0%, var(--global-palette2) 100%);mix-blend-mode:normal;}.kb-row-layout-id5_1fe0e7-72 .kt-row-layout-bottom-sep{height:100px;}.kb-row-layout-id5_1fe0e7-72 .kt-row-layout-bottom-sep svg{width:100%;}.kb-row-layout-id5_1fe0e7-72 .kt-row-layout-bottom-sep svg{fill:#ffffff!important;}.kb-row-layout-id5_1fe0e7-72 .kt-row-layout-top-sep{height:100px;}.kb-row-layout-id5_1fe0e7-72 .kt-row-layout-top-sep svg{width:100%;}.kb-row-layout-id5_1fe0e7-72 .kt-row-layout-top-sep svg{fill:#ffffff!important;}@media all and (max-width: 1024px){.kb-row-layout-id5_1fe0e7-72 > .kt-row-column-wrap{min-height:700px;grid-template-columns:repeat(2, minmax(0, 1fr));}}@media all and (max-width: 1024px){.kb-row-layout-id5_1fe0e7-72 .kt-row-layout-bottom-sep{height:px;}}@media all and (max-width: 1024px){.kb-row-layout-id5_1fe0e7-72 .kt-row-layout-bottom-sep svg{width:%;}}@media all and (max-width: 767px){.kb-row-layout-id5_1fe0e7-72 > .kt-row-column-wrap{min-height:600px;grid-template-columns:minmax(0, 1fr);}.kb-row-layout-id5_1fe0e7-72 .kt-row-layout-bottom-sep{height:px;}.kb-row-layout-id5_1fe0e7-72 .kt-row-layout-bottom-sep svg{width:%;}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id5_1fe0e7-72 alignnone kt-row-has-bg wp-block-kadence-rowlayout\"><div class=\"kt-row-layout-overlay kt-row-overlay-gradient\"><\/div><div class=\"kt-row-layout-bottom-sep kt-row-sep-type-ctd\"><svg viewBox=\"0 0 1000 100\" preserveAspectRatio=\"none\"><path d=\"M1000,0l-500,98l-500,-98l0,100l1000,0l0,-100Z\" style=\"opacity: 0.4\" \/><path d=\"M1000,20l-500,78l-500,-78l0,80l1000,0l0,-80Z\" \/><\/svg><\/div><div class=\"kt-row-column-wrap kt-has-2-columns kt-row-layout-equal kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-middle\">\n<style>.kadence-column5_0cff0e-50 > .kt-inside-inner-col,.kadence-column5_0cff0e-50 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column5_0cff0e-50 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column5_0cff0e-50 > .kt-inside-inner-col{flex-direction:column;}.kadence-column5_0cff0e-50 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column5_0cff0e-50 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column5_0cff0e-50{position:relative;}@media all and (max-width: 1024px){.kadence-column5_0cff0e-50 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column5_0cff0e-50 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column5_0cff0e-50 inner-column-1\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading5_4726ed-a7, .wp-block-kadence-advancedheading.kt-adv-heading5_4726ed-a7[data-kb-block=\"kb-adv-heading5_4726ed-a7\"]{margin-top:1.5em;margin-bottom:0.5em;text-align:center;font-size:3.5em;line-height:1.3em;font-weight:bold;font-style:normal;color:#ffffff;}.wp-block-kadence-advancedheading.kt-adv-heading5_4726ed-a7 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading5_4726ed-a7[data-kb-block=\"kb-adv-heading5_4726ed-a7\"] mark.kt-highlight{font-weight:normal;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading5_4726ed-a7 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading5_4726ed-a7[data-kb-block=\"kb-adv-heading5_4726ed-a7\"] img.kb-inline-image{width:150px;vertical-align:baseline;}@media all and (max-width: 1024px){.wp-block-kadence-advancedheading.kt-adv-heading5_4726ed-a7, .wp-block-kadence-advancedheading.kt-adv-heading5_4726ed-a7[data-kb-block=\"kb-adv-heading5_4726ed-a7\"]{font-size:3.2em;}}@media all and (max-width: 767px){.wp-block-kadence-advancedheading.kt-adv-heading5_4726ed-a7, .wp-block-kadence-advancedheading.kt-adv-heading5_4726ed-a7[data-kb-block=\"kb-adv-heading5_4726ed-a7\"]{font-size:2.5em;}}<\/style>\n<h1 class=\"kt-adv-heading5_4726ed-a7 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading5_4726ed-a7\">LivingRural<\/h1>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading5_a6fc6a-93, .wp-block-kadence-advancedheading.kt-adv-heading5_a6fc6a-93[data-kb-block=\"kb-adv-heading5_a6fc6a-93\"]{margin-top:1.5em;margin-bottom:1.5em;text-align:center;font-size:1.6em;line-height:1em;font-weight:400;font-style:normal;text-transform:uppercase;color:#ffffff;}.wp-block-kadence-advancedheading.kt-adv-heading5_a6fc6a-93 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading5_a6fc6a-93[data-kb-block=\"kb-adv-heading5_a6fc6a-93\"] mark.kt-highlight{font-weight:normal;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading5_a6fc6a-93 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading5_a6fc6a-93[data-kb-block=\"kb-adv-heading5_a6fc6a-93\"] img.kb-inline-image{width:150px;vertical-align:baseline;}@media all and (max-width: 1024px){.wp-block-kadence-advancedheading.kt-adv-heading5_a6fc6a-93, .wp-block-kadence-advancedheading.kt-adv-heading5_a6fc6a-93[data-kb-block=\"kb-adv-heading5_a6fc6a-93\"]{font-size:1.4em;}}@media all and (max-width: 767px){.wp-block-kadence-advancedheading.kt-adv-heading5_a6fc6a-93, .wp-block-kadence-advancedheading.kt-adv-heading5_a6fc6a-93[data-kb-block=\"kb-adv-heading5_a6fc6a-93\"]{font-size:1em;}}<\/style>\n<h4 class=\"kt-adv-heading5_a6fc6a-93 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading5_a6fc6a-93\">A USDA Rural Development 502 Direct Certified Packager<\/h4>\n\n\n<style>.wp-block-kadence-advancedbtn.kb-btns5_b83801-1c{gap:var(--global-kb-gap-xs, 0.5rem );justify-content:center;align-items:center;}.kt-btns5_b83801-1c .kt-button{font-weight:normal;font-style:normal;}<\/style>\n<div class=\"wp-block-kadence-advancedbtn kb-buttons-wrap kb-btns5_b83801-1c wp-video-popup\"><style>ul.menu .wp-block-kadence-advancedbtn .kb-btn5_6c11ab-cb.kb-button{width:initial;}.wp-block-kadence-advancedbtn .kb-btn5_6c11ab-cb.kb-button{color:var(--global-palette1, #3182CE);background:var(--global-palette8, #F7FAFC);}.wp-block-kadence-advancedbtn .kb-btn5_6c11ab-cb.kb-button:hover, .wp-block-kadence-advancedbtn .kb-btn5_6c11ab-cb.kb-button:focus{color:var(--global-palette9, #ffffff);background:var(--global-palette2, #2B6CB0);}<\/style><span class=\"kb-button kt-button button kb-btn5_6c11ab-cb kt-btn-size-standard kt-btn-width-type-auto kb-btn-global-inherit  kt-btn-has-text-true kt-btn-has-svg-false  wp-block-button__link wp-block-kadence-singlebtn\"><span class=\"kt-btn-inner-text\">Register to Apply Now<\/span><\/span><\/div>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<h2 class=\"wp-block-heading has-text-align-center has-theme-palette-9-color has-text-color\">Due to lack of funding for this program, we are currently not taking applications. <\/h2>\n<\/div>\n<\/div>\n<\/div><\/div>\n\n\n<style>.kadence-column5_b934e8-12 > .kt-inside-inner-col,.kadence-column5_b934e8-12 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column5_b934e8-12 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column5_b934e8-12 > .kt-inside-inner-col{flex-direction:column;}.kadence-column5_b934e8-12 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column5_b934e8-12 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column5_b934e8-12{position:relative;}@media all and (max-width: 1024px){.kadence-column5_b934e8-12 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column5_b934e8-12 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column5_b934e8-12 inner-column-2\"><div class=\"kt-inside-inner-col\">\n<p class=\"has-theme-palette-9-color has-text-color has-medium-font-size\"><strong>THE 502 Direct loan Program:<\/strong><\/p>\n\n\n\n<p class=\"has-text-align-center has-theme-palette-9-color has-text-color has-medium-font-size\">Watch this video for a brief overview of the loan program. <\/p>\n\n\n<style>.wp-block-kadence-advancedbtn.kb-btns5_f2835f-c8{gap:var(--global-kb-gap-xs, 0.5rem );justify-content:center;align-items:center;}.kt-btns5_f2835f-c8 .kt-button{font-weight:normal;font-style:normal;}<\/style>\n<div class=\"wp-block-kadence-advancedbtn kb-buttons-wrap kb-btns5_f2835f-c8\"><style>ul.menu .wp-block-kadence-advancedbtn .kb-btn5_a5b52c-55.kb-button{width:initial;}.wp-block-kadence-advancedbtn .kb-btn5_a5b52c-55.kb-button{color:var(--global-palette1, #3182CE);background:var(--global-palette7, #EDF2F7);font-size:nonepx;border-top-color:var(--global-palette5, #4A5568);border-top-style:solid;border-right-color:var(--global-palette5, #4A5568);border-right-style:solid;border-bottom-color:var(--global-palette5, #4A5568);border-bottom-style:solid;border-left-color:var(--global-palette5, #4A5568);border-left-style:solid;}.kb-btn5_a5b52c-55.kb-button .kb-svg-icon-wrap{color:#ffffff;}.wp-block-kadence-advancedbtn .kb-btn5_a5b52c-55.kb-button:hover, .wp-block-kadence-advancedbtn .kb-btn5_a5b52c-55.kb-button:focus{color:#ffffff;background:var(--global-palette2, #2B6CB0);border-top-color:#444444;border-top-style:solid;border-right-color:#444444;border-right-style:solid;border-bottom-color:#444444;border-bottom-style:solid;border-left-color:#444444;border-left-style:solid;}@media all and (max-width: 1024px){.wp-block-kadence-advancedbtn .kb-btn5_a5b52c-55.kb-button{border-top-color:var(--global-palette5, #4A5568);border-top-style:solid;border-right-color:var(--global-palette5, #4A5568);border-right-style:solid;border-bottom-color:var(--global-palette5, #4A5568);border-bottom-style:solid;border-left-color:var(--global-palette5, #4A5568);border-left-style:solid;}}@media all and (max-width: 1024px){.wp-block-kadence-advancedbtn .kb-btn5_a5b52c-55.kb-button:hover, .wp-block-kadence-advancedbtn .kb-btn5_a5b52c-55.kb-button:focus{border-top-color:#444444;border-top-style:solid;border-right-color:#444444;border-right-style:solid;border-bottom-color:#444444;border-bottom-style:solid;border-left-color:#444444;border-left-style:solid;}}@media all and (max-width: 767px){.wp-block-kadence-advancedbtn .kb-btn5_a5b52c-55.kb-button{border-top-color:var(--global-palette5, #4A5568);border-top-style:solid;border-right-color:var(--global-palette5, #4A5568);border-right-style:solid;border-bottom-color:var(--global-palette5, #4A5568);border-bottom-style:solid;border-left-color:var(--global-palette5, #4A5568);border-left-style:solid;}.wp-block-kadence-advancedbtn .kb-btn5_a5b52c-55.kb-button:hover, .wp-block-kadence-advancedbtn .kb-btn5_a5b52c-55.kb-button:focus{border-top-color:#444444;border-top-style:solid;border-right-color:#444444;border-right-style:solid;border-bottom-color:#444444;border-bottom-style:solid;border-left-color:#444444;border-left-style:solid;}}<\/style><a class=\"kb-button kt-button button kb-btn5_a5b52c-55 kt-btn-size-standard kt-btn-width-type-auto kb-btn-global-inherit  kt-btn-has-text-true kt-btn-has-svg-true  ktblocksvideopop wp-block-button__link wp-block-kadence-singlebtn\" href=\"https:\/\/www.youtube.com\/watch?v=95s5oD7Ta3g\"><span class=\"kt-btn-inner-text\">Watch Video<\/span><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_playCircle kt-btn-icon-side-right\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><circle cx=\"12\" cy=\"12\" r=\"10\"\/><polygon points=\"10 8 16 12 10 16 10 8\"\/><\/svg><\/span><\/a><\/div>\n<\/div><\/div>\n\n<\/div><\/div>\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading5_ca9720-77, .wp-block-kadence-advancedheading.kt-adv-heading5_ca9720-77[data-kb-block=\"kb-adv-heading5_ca9720-77\"]{text-align:center;font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading5_ca9720-77 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading5_ca9720-77[data-kb-block=\"kb-adv-heading5_ca9720-77\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading5_ca9720-77 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading5_ca9720-77[data-kb-block=\"kb-adv-heading5_ca9720-77\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<h2 class=\"kt-adv-heading5_ca9720-77 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading5_ca9720-77\"><strong>The 502 Direct Loan Program<\/strong>: <\/h2>\n\n\n<style>.kb-row-layout-id5_30c89d-94 > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id5_30c89d-94 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id5_30c89d-94 > .kt-row-column-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:var(--global-kb-gap-md, 2rem);padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-bottom:var(--global-kb-spacing-sm, 1.5rem);}.kb-row-layout-id5_30c89d-94 > .kt-row-column-wrap > div:not(.added-for-specificity){grid-column:initial;}.kb-row-layout-id5_30c89d-94 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr) minmax(0, 6fr) minmax(0, 1fr);}.kb-row-layout-id5_30c89d-94 > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id5_30c89d-94 > .kt-row-column-wrap > div:not(.added-for-specificity){grid-column:initial;}}@media all and (max-width: 1024px){.kb-row-layout-id5_30c89d-94 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr) minmax(0, 6fr) minmax(0, 1fr);}}@media all and (max-width: 767px){.kb-row-layout-id5_30c89d-94 > .kt-row-column-wrap > div:not(.added-for-specificity){grid-column:initial;}.kb-row-layout-id5_30c89d-94 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id5_30c89d-94 alignnone wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-3-columns kt-row-layout-center-exwide kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-top\">\n<style>.kadence-column5_c94265-21 > .kt-inside-inner-col,.kadence-column5_c94265-21 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column5_c94265-21 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column5_c94265-21 > .kt-inside-inner-col{flex-direction:column;}.kadence-column5_c94265-21 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column5_c94265-21 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column5_c94265-21{position:relative;}@media all and (max-width: 1024px){.kadence-column5_c94265-21 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column5_c94265-21 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column5_c94265-21 inner-column-1\"><div class=\"kt-inside-inner-col\"><\/div><\/div>\n\n\n<style>.kadence-column5_851bb4-85 > .kt-inside-inner-col,.kadence-column5_851bb4-85 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column5_851bb4-85 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column5_851bb4-85 > .kt-inside-inner-col{flex-direction:column;}.kadence-column5_851bb4-85 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column5_851bb4-85 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column5_851bb4-85{position:relative;}@media all and (max-width: 1024px){.kadence-column5_851bb4-85 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column5_851bb4-85 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column5_851bb4-85 inner-column-2\"><div class=\"kt-inside-inner-col\">\n<p>The 502 Direct Loan program assists low- and very-low-income applicants , who would not normally qualify for a conventional loan, obtain decent, safe and sanitary housing in eligible rural areas by providing payment assistance to increase an applicant\u2019s repayment ability. Payment assistance is a type of subsidy that reduces the mortgage payment for a short time. The amount of assistance is determined by the adjusted family income.<\/p>\n\n\n\n<p>The program provides a path to homeownership for low- and very-low-income families living in rural areas, and families who truly have no other way to make affordable homeownership a reality. Providing these affordable homeownership opportunities promotes prosperity, which in turn creates thriving communities and improves the quality of life in rural areas.<\/p>\n\n\n\n<p>A number of factors are considered when determining an applicant\u2019s eligibility for Single Family Direct Home Loans. At a minimum, applicants interested in obtaining a direct loan must have an adjusted income that is at or below the applicable low-income limit for the area where they wish to buy a house and they must demonstrate a willingness and ability to repay debt.<\/p>\n\n\n\n<p>This loan program provides financing to eligible borrowers who have a household income at or below 80% of the area median income for the location of the home. The loan is subsidized, meaning that the interest rate is lower than the market rate, and it can also include a subsidy to help lower the monthly mortgage payment.<\/p>\n\n\n\n<p>To be eligible for a USDA 502 direct subsidized loan, the applicant must meet certain criteria, including:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>The home must be located in a rural area designated by the USDA.<\/li>\n\n\n\n<li>The applicant must have a stable income and credit history.<\/li>\n\n\n\n<li>The applicant must be a U.S. citizen or have permanent residency status.<\/li>\n\n\n\n<li>The applicant must be able to afford the monthly mortgage payment, including property taxes and insurance.<\/li>\n<\/ul>\n\n\n\n<p>The USDA 502 direct subsidized loan program offers many benefits to low-income homebuyers, including:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Low interest rates and lower monthly payments compared to traditional loans.<\/li>\n\n\n\n<li>No down payment requirement, which can make homeownership more affordable.<\/li>\n\n\n\n<li>Flexible credit requirements, making it easier for borrowers with lower credit scores to qualify.<\/li>\n\n\n\n<li>No private mortgage insurance (PMI) requirement, which can save borrowers money.<\/li>\n<\/ul>\n\n\n\n<p>Overall, the USDA 502 direct subsidized loan can be a great option for low-income households in rural areas who are looking to buy a home but may not have the financial means to do so with a traditional loan.<\/p>\n<\/div><\/div>\n\n\n<style>.kadence-column5_4f3aa6-a0 > .kt-inside-inner-col,.kadence-column5_4f3aa6-a0 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column5_4f3aa6-a0 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column5_4f3aa6-a0 > .kt-inside-inner-col{flex-direction:column;}.kadence-column5_4f3aa6-a0 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column5_4f3aa6-a0 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column5_4f3aa6-a0{position:relative;}@media all and (max-width: 1024px){.kadence-column5_4f3aa6-a0 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column5_4f3aa6-a0 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column5_4f3aa6-a0 inner-column-3\"><div class=\"kt-inside-inner-col\"><\/div><\/div>\n\n<\/div><\/div>\n\n<style>.kb-row-layout-id5_2ee09e-94 > .kt-row-column-wrap{align-content:center;}:where(.kb-row-layout-id5_2ee09e-94 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:center;}.kb-row-layout-id5_2ee09e-94 > .kt-row-column-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:var(--global-kb-gap-md, 2rem);max-width:var( --global-content-width, 1290px );padding-left:var(--global-content-edge-padding);padding-right:var(--global-content-edge-padding);padding-top:33px;padding-bottom:0px;grid-template-columns:minmax(0, calc(30% - ((var(--global-kb-gap-md, 2rem) * 1 )\/2)))minmax(0, calc(70% - ((var(--global-kb-gap-md, 2rem) * 1 )\/2)));}.kb-row-layout-id5_2ee09e-94 > .kt-row-layout-overlay{opacity:0.40;background-color:rgba(103, 103, 103, 0.84);mix-blend-mode:darken;}@media all and (max-width: 1024px){.kb-row-layout-id5_2ee09e-94 > .kt-row-column-wrap{grid-template-columns:repeat(2, minmax(0, 1fr));}}@media all and (max-width: 767px){.kb-row-layout-id5_2ee09e-94 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id5_2ee09e-94 alignnone kt-row-has-bg wp-block-kadence-rowlayout\"><div class=\"kt-row-layout-overlay kt-row-overlay-normal\"><\/div><div class=\"kt-row-column-wrap kt-has-2-columns kt-row-layout-equal kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-middle kb-theme-content-width\">\n<style>.kadence-column5_36cdf3-f6 > .kt-inside-inner-col,.kadence-column5_36cdf3-f6 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column5_36cdf3-f6 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column5_36cdf3-f6 > .kt-inside-inner-col{flex-direction:column;}.kadence-column5_36cdf3-f6 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column5_36cdf3-f6 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column5_36cdf3-f6{position:relative;}@media all and (max-width: 1024px){.kadence-column5_36cdf3-f6 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column5_36cdf3-f6 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column5_36cdf3-f6 inner-column-1\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading5_11c273-e2, .wp-block-kadence-advancedheading.kt-adv-heading5_11c273-e2[data-kb-block=\"kb-adv-heading5_11c273-e2\"]{text-align:center;font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading5_11c273-e2 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading5_11c273-e2[data-kb-block=\"kb-adv-heading5_11c273-e2\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading5_11c273-e2 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading5_11c273-e2[data-kb-block=\"kb-adv-heading5_11c273-e2\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<h2 class=\"kt-adv-heading5_11c273-e2 wp-block-kadence-advancedheading has-theme-palette-4-color has-text-color\" data-kb-block=\"kb-adv-heading5_11c273-e2\">Do you Qualify?<\/h2>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9d6595d7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:100%\"><style>.kb-image5_235759-2a .kb-image-has-overlay:after{opacity:0.3;border-top-left-radius:10px;border-top-right-radius:10px;border-bottom-right-radius:10px;border-bottom-left-radius:10px;}.kb-image5_235759-2a img.kb-img, .kb-image5_235759-2a .kb-img img{border-top-left-radius:10px;border-top-right-radius:10px;border-bottom-right-radius:10px;border-bottom-left-radius:10px;}<\/style>\n<div class=\"wp-block-kadence-image kb-image5_235759-2a\"><figure class=\"aligncenter size-full\"><a href=\"https:\/\/www.rd.usda.gov\/files\/RD-SFHAreaLoanLimitMap.pdf\" class=\"kb-advanced-image-link\" target=\"_blank\" rel=\"noopener noreferrer\"><img loading=\"lazy\" decoding=\"async\" width=\"720\" height=\"450\" src=\"https:\/\/livingrural.org\/wp-content\/uploads\/2022\/12\/Green-US-1.jpg\" alt=\"\" class=\"kb-img wp-image-660\" srcset=\"https:\/\/livingrural.org\/wp-content\/uploads\/2022\/12\/Green-US-1.jpg 720w, https:\/\/livingrural.org\/wp-content\/uploads\/2022\/12\/Green-US-1-300x188.jpg 300w\" sizes=\"auto, (max-width: 720px) 100vw, 720px\" \/><\/a><figcaption>Visit to check your Counties Loan limit<\/figcaption><\/figure><\/div>\n<\/div>\n<\/div>\n<\/div><\/div>\n\n\n<style>.kadence-column5_dd0268-37 > .kt-inside-inner-col,.kadence-column5_dd0268-37 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column5_dd0268-37 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column5_dd0268-37 > .kt-inside-inner-col{flex-direction:column;}.kadence-column5_dd0268-37 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column5_dd0268-37 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column5_dd0268-37{position:relative;}@media all and (max-width: 1024px){.kadence-column5_dd0268-37 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column5_dd0268-37 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column5_dd0268-37 inner-column-2\"><div class=\"kt-inside-inner-col\"><style>.kb-row-layout-id5_1e9dd7-64 > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id5_1e9dd7-64 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id5_1e9dd7-64 > .kt-row-column-wrap{column-gap:20px;row-gap:var(--global-kb-gap-md, 2rem);padding-top:27px;padding-bottom:25px;grid-template-columns:minmax(0, calc(35% - ((20px * 2 )\/3)))minmax(0, calc(30% - ((20px * 2 )\/3)))minmax(0, calc(35% - ((20px * 2 )\/3)));}.kb-row-layout-id5_1e9dd7-64 > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id5_1e9dd7-64 > .kt-row-column-wrap{padding-top:0px;padding-bottom:0px;grid-template-columns:repeat(3, minmax(0, 1fr));}}@media all and (max-width: 1024px){.kb-row-layout-id5_1e9dd7-64 > .kt-row-column-wrap > div:not(.added-for-specificity){grid-column:initial;}}@media all and (max-width: 767px){.kb-row-layout-id5_1e9dd7-64 > .kt-row-column-wrap > div:not(.added-for-specificity){grid-column:initial;}.kb-row-layout-id5_1e9dd7-64 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id5_1e9dd7-64 alignnone wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-3-columns kt-row-layout-equal kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-top\">\n<style>.kadence-column5_9af502-fa > .kt-inside-inner-col,.kadence-column5_9af502-fa > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column5_9af502-fa > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column5_9af502-fa > .kt-inside-inner-col{flex-direction:column;}.kadence-column5_9af502-fa > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column5_9af502-fa > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column5_9af502-fa{position:relative;}@media all and (max-width: 1024px){.kadence-column5_9af502-fa > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column5_9af502-fa > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column5_9af502-fa inner-column-1\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-column.kb-section-dir-horizontal > .kt-inside-inner-col > .kt-info-box5_17c8e0-67 .kt-blocks-info-box-link-wrap{max-width:unset;}.kt-info-box5_17c8e0-67 .kt-blocks-info-box-link-wrap{border-top-left-radius:10px;border-top-right-radius:10px;border-bottom-right-radius:10px;border-bottom-left-radius:10px;background:var(--global-palette9, #ffffff);padding-top:30px;padding-right:30px;padding-bottom:30px;padding-left:30px;}.kt-info-box5_17c8e0-67 .kt-blocks-info-box-link-wrap:hover{background:#ffffff;}.kt-info-box5_17c8e0-67 .kadence-info-box-icon-container .kt-info-svg-icon, .kt-info-box5_17c8e0-67 .kt-info-svg-icon-flip, .kt-info-box5_17c8e0-67 .kt-blocks-info-box-number{font-size:50px;}.kt-info-box5_17c8e0-67 .kt-blocks-info-box-media{color:var(--global-palette1, #3182CE);background:transparent;border-top-width:0px;border-right-width:0px;border-bottom-width:0px;border-left-width:0px;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.kt-info-box5_17c8e0-67 .kt-blocks-info-box-media-container{margin-top:0px;margin-right:0px;margin-bottom:40px;margin-left:0px;}.kt-info-box5_17c8e0-67 .kt-blocks-info-box-link-wrap:hover .kt-blocks-info-box-media{color:var(--global-palette1, #3182CE);background:transparent;}.kt-info-box5_17c8e0-67 .kt-infobox-textcontent h4.kt-blocks-info-box-title{color:var(--global-palette4, #2D3748);text-transform:uppercase;font-weight:700;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;margin-top:5px;margin-right:0px;margin-bottom:10px;margin-left:0px;}.kt-info-box5_17c8e0-67 .kt-infobox-textcontent .kt-blocks-info-box-text{color:var(--global-palette6, #718096);}.wp-block-kadence-infobox.kt-info-box5_17c8e0-67 .kt-blocks-info-box-text{font-size:16px;font-weight:400;}.kt-info-box5_17c8e0-67 .kt-blocks-info-box-learnmore{background:transparent;border-color:#555555;border-width:0px 0px 0px 0px;padding-top:4px;padding-right:8px;padding-bottom:4px;padding-left:8px;margin-top:10px;margin-right:0px;margin-bottom:10px;margin-left:0px;}.kt-info-box5_17c8e0-67 .kt-blocks-info-box-link-wrap:hover .kt-blocks-info-box-learnmore,.kt-info-box5_17c8e0-67 .kt-blocks-info-box-link-wrap .kt-blocks-info-box-learnmore:focus{color:#ffffff;background:#444444;border-color:#444444;}<\/style>\n<div class=\"wp-block-kadence-infobox kt-info-box5_17c8e0-67\"><a class=\"kt-blocks-info-box-link-wrap info-box-link kt-blocks-info-box-media-align-top kt-info-halign-left\" target=\"_blank\" rel=\"noopener noreferrer\" href=\"https:\/\/eligibility.sc.egov.usda.gov\/eligibility\/welcomeAction.do?pageAction=assessmentType\"><div class=\"kt-blocks-info-box-media-container\"><div class=\"kt-blocks-info-box-media kt-info-media-animate-none\"><div class=\"kadence-info-box-icon-container kt-info-icon-animate-none\"><div class=\"kadence-info-box-icon-inner-container\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fas_fax kt-info-svg-icon\"><svg viewBox=\"0 0 512 512\"  fill=\"currentColor\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M128 144v320c0 26.51-21.49 48-48 48H48c-26.51 0-48-21.49-48-48V144c0-26.51 21.49-48 48-48h32c26.51 0 48 21.49 48 48zm384 64v256c0 26.51-21.49 48-48 48H192c-26.51 0-48-21.49-48-48V40c0-22.091 17.909-40 40-40h207.432a39.996 39.996 0 0 1 28.284 11.716l48.569 48.569A39.999 39.999 0 0 1 480 88.568v74.174c18.641 6.591 32 24.36 32 45.258zm-320-16h240V96h-24c-13.203 0-24-10.797-24-24V48H192v144zm96 204c0-6.627-5.373-12-12-12h-40c-6.627 0-12 5.373-12 12v40c0 6.627 5.373 12 12 12h40c6.627 0 12-5.373 12-12v-40zm0-128c0-6.627-5.373-12-12-12h-40c-6.627 0-12 5.373-12 12v40c0 6.627 5.373 12 12 12h40c6.627 0 12-5.373 12-12v-40zm128 128c0-6.627-5.373-12-12-12h-40c-6.627 0-12 5.373-12 12v40c0 6.627 5.373 12 12 12h40c6.627 0 12-5.373 12-12v-40zm0-128c0-6.627-5.373-12-12-12h-40c-6.627 0-12 5.373-12 12v40c0 6.627 5.373 12 12 12h40c6.627 0 12-5.373 12-12v-40z\"\/><\/svg><\/span><\/div><\/div><\/div><\/div><div class=\"kt-infobox-textcontent\"><h4 class=\"kt-blocks-info-box-title\">Income Calc<\/h4><p class=\"kt-blocks-info-box-text\">Visit USDA&#8217;s income calculator to see if you what income category you are in.<\/p><\/div><\/a><\/div>\n<\/div><\/div>\n\n\n<style>.kadence-column5_ca5189-ca > .kt-inside-inner-col,.kadence-column5_ca5189-ca > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column5_ca5189-ca > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column5_ca5189-ca > .kt-inside-inner-col{flex-direction:column;}.kadence-column5_ca5189-ca > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column5_ca5189-ca > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column5_ca5189-ca{position:relative;}@media all and (max-width: 1024px){.kadence-column5_ca5189-ca > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column5_ca5189-ca > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column5_ca5189-ca inner-column-2\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-column.kb-section-dir-horizontal > .kt-inside-inner-col > .kt-info-box5_bffbf2-66 .kt-blocks-info-box-link-wrap{max-width:unset;}.kt-info-box5_bffbf2-66 .kt-blocks-info-box-link-wrap{border-top-left-radius:10px;border-top-right-radius:10px;border-bottom-right-radius:10px;border-bottom-left-radius:10px;background:var(--global-palette1, #3182CE);padding-top:30px;padding-right:30px;padding-bottom:30px;padding-left:30px;}.kt-info-box5_bffbf2-66 .kt-blocks-info-box-link-wrap:hover{background:var(--global-palette1, #3182CE);}.kt-info-box5_bffbf2-66 .kadence-info-box-icon-container .kt-info-svg-icon, .kt-info-box5_bffbf2-66 .kt-info-svg-icon-flip, .kt-info-box5_bffbf2-66 .kt-blocks-info-box-number{font-size:50px;}.kt-info-box5_bffbf2-66 .kt-blocks-info-box-media{color:var(--global-palette3, #1A202C);background:transparent;border-top-width:0px;border-right-width:0px;border-bottom-width:0px;border-left-width:0px;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.kt-info-box5_bffbf2-66 .kt-blocks-info-box-media-container{margin-top:0px;margin-right:0px;margin-bottom:40px;margin-left:0px;}.kt-info-box5_bffbf2-66 .kt-blocks-info-box-link-wrap:hover .kt-blocks-info-box-media{color:var(--global-palette3, #1A202C);background:transparent;}.kt-info-box5_bffbf2-66 .kt-infobox-textcontent h4.kt-blocks-info-box-title{color:var(--global-palette3, #1A202C);text-transform:uppercase;font-weight:700;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;margin-top:5px;margin-right:0px;margin-bottom:10px;margin-left:0px;}.kt-info-box5_bffbf2-66 .kt-infobox-textcontent .kt-blocks-info-box-text{color:var(--global-palette9, #ffffff);}.wp-block-kadence-infobox.kt-info-box5_bffbf2-66 .kt-blocks-info-box-text{font-size:16px;font-weight:400;}.kt-info-box5_bffbf2-66 .kt-blocks-info-box-learnmore{background:transparent;border-color:#555555;border-width:0px 0px 0px 0px;padding-top:4px;padding-right:8px;padding-bottom:4px;padding-left:8px;margin-top:10px;margin-right:0px;margin-bottom:10px;margin-left:0px;}.kt-info-box5_bffbf2-66 .kt-blocks-info-box-link-wrap:hover .kt-blocks-info-box-learnmore,.kt-info-box5_bffbf2-66 .kt-blocks-info-box-link-wrap .kt-blocks-info-box-learnmore:focus{color:#ffffff;background:#444444;border-color:#444444;}<\/style>\n<div class=\"wp-block-kadence-infobox kt-info-box5_bffbf2-66\"><a class=\"kt-blocks-info-box-link-wrap info-box-link kt-blocks-info-box-media-align-top kt-info-halign-left\" target=\"_blank\" rel=\"noopener noreferrer\" href=\"https:\/\/www.rd.usda.gov\/sites\/default\/files\/RD-DirectLimitMap.pdf\"><div class=\"kt-blocks-info-box-media-container\"><div class=\"kt-blocks-info-box-media kt-info-media-animate-none\"><div class=\"kadence-info-box-icon-container kt-info-icon-animate-none\"><div class=\"kadence-info-box-icon-inner-container\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fas_donate kt-info-svg-icon\"><svg viewBox=\"0 0 512 512\"  fill=\"currentColor\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M256 416c114.9 0 208-93.1 208-208S370.9 0 256 0 48 93.1 48 208s93.1 208 208 208zM233.8 97.4V80.6c0-9.2 7.4-16.6 16.6-16.6h11.1c9.2 0 16.6 7.4 16.6 16.6v17c15.5.8 30.5 6.1 43 15.4 5.6 4.1 6.2 12.3 1.2 17.1L306 145.6c-3.8 3.7-9.5 3.8-14 1-5.4-3.4-11.4-5.1-17.8-5.1h-38.9c-9 0-16.3 8.2-16.3 18.3 0 8.2 5 15.5 12.1 17.6l62.3 18.7c25.7 7.7 43.7 32.4 43.7 60.1 0 34-26.4 61.5-59.1 62.4v16.8c0 9.2-7.4 16.6-16.6 16.6h-11.1c-9.2 0-16.6-7.4-16.6-16.6v-17c-15.5-.8-30.5-6.1-43-15.4-5.6-4.1-6.2-12.3-1.2-17.1l16.3-15.5c3.8-3.7 9.5-3.8 14-1 5.4 3.4 11.4 5.1 17.8 5.1h38.9c9 0 16.3-8.2 16.3-18.3 0-8.2-5-15.5-12.1-17.6l-62.3-18.7c-25.7-7.7-43.7-32.4-43.7-60.1.1-34 26.4-61.5 59.1-62.4zM480 352h-32.5c-19.6 26-44.6 47.7-73 64h63.8c5.3 0 9.6 3.6 9.6 8v16c0 4.4-4.3 8-9.6 8H73.6c-5.3 0-9.6-3.6-9.6-8v-16c0-4.4 4.3-8 9.6-8h63.8c-28.4-16.3-53.3-38-73-64H32c-17.7 0-32 14.3-32 32v96c0 17.7 14.3 32 32 32h448c17.7 0 32-14.3 32-32v-96c0-17.7-14.3-32-32-32z\"\/><\/svg><\/span><\/div><\/div><\/div><\/div><div class=\"kt-infobox-textcontent\"><h4 class=\"kt-blocks-info-box-title\">Income Limits<\/h4><p class=\"kt-blocks-info-box-text\">Verify the income limits with the State and County you live in. <\/p><\/div><\/a><\/div>\n<\/div><\/div>\n\n\n<style>.kadence-column5_d82ffe-72 > .kt-inside-inner-col,.kadence-column5_d82ffe-72 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column5_d82ffe-72 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column5_d82ffe-72 > .kt-inside-inner-col{flex-direction:column;}.kadence-column5_d82ffe-72 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column5_d82ffe-72 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column5_d82ffe-72{position:relative;}@media all and (max-width: 1024px){.kadence-column5_d82ffe-72 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column5_d82ffe-72 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column5_d82ffe-72 inner-column-3\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-column.kb-section-dir-horizontal > .kt-inside-inner-col > .kt-info-box5_d874ee-06 .kt-blocks-info-box-link-wrap{max-width:unset;}.kt-info-box5_d874ee-06 .kt-blocks-info-box-link-wrap{border-top-left-radius:10px;border-top-right-radius:10px;border-bottom-right-radius:10px;border-bottom-left-radius:10px;background:var(--global-palette9, #ffffff);padding-top:30px;padding-right:30px;padding-bottom:30px;padding-left:30px;}.kt-info-box5_d874ee-06 .kt-blocks-info-box-link-wrap:hover{background:#ffffff;}.kt-info-box5_d874ee-06 .kadence-info-box-icon-container .kt-info-svg-icon, .kt-info-box5_d874ee-06 .kt-info-svg-icon-flip, .kt-info-box5_d874ee-06 .kt-blocks-info-box-number{font-size:50px;}.kt-info-box5_d874ee-06 .kt-blocks-info-box-media{color:var(--global-palette1, #3182CE);background:transparent;border-top-width:0px;border-right-width:0px;border-bottom-width:0px;border-left-width:0px;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.kt-info-box5_d874ee-06 .kt-blocks-info-box-media-container{margin-top:0px;margin-right:0px;margin-bottom:40px;margin-left:0px;}.kt-info-box5_d874ee-06 .kt-blocks-info-box-link-wrap:hover .kt-blocks-info-box-media{color:var(--global-palette1, #3182CE);background:transparent;}.kt-info-box5_d874ee-06 .kt-infobox-textcontent h4.kt-blocks-info-box-title{color:var(--global-palette4, #2D3748);text-transform:uppercase;font-weight:700;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;margin-top:5px;margin-right:0px;margin-bottom:10px;margin-left:0px;}.kt-info-box5_d874ee-06 .kt-infobox-textcontent .kt-blocks-info-box-text{color:var(--global-palette6, #718096);}.wp-block-kadence-infobox.kt-info-box5_d874ee-06 .kt-blocks-info-box-text{font-size:16px;font-weight:400;}.kt-info-box5_d874ee-06 .kt-blocks-info-box-learnmore{background:transparent;border-color:#555555;border-width:0px 0px 0px 0px;padding-top:4px;padding-right:8px;padding-bottom:4px;padding-left:8px;margin-top:10px;margin-right:0px;margin-bottom:10px;margin-left:0px;}.kt-info-box5_d874ee-06 .kt-blocks-info-box-link-wrap:hover .kt-blocks-info-box-learnmore,.kt-info-box5_d874ee-06 .kt-blocks-info-box-link-wrap .kt-blocks-info-box-learnmore:focus{color:#ffffff;background:#444444;border-color:#444444;}<\/style>\n<div class=\"wp-block-kadence-infobox kt-info-box5_d874ee-06\"><a class=\"kt-blocks-info-box-link-wrap info-box-link kt-blocks-info-box-media-align-top kt-info-halign-left\" target=\"_blank\" rel=\"noopener noreferrer\" href=\"https:\/\/eligibility.sc.egov.usda.gov\/eligibility\/welcomeAction.do?pageAction=sfpd\"><div class=\"kt-blocks-info-box-media-container\"><div class=\"kt-blocks-info-box-media kt-info-media-animate-none\"><div class=\"kadence-info-box-icon-container kt-info-icon-animate-none\"><div class=\"kadence-info-box-icon-inner-container\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_image kt-info-svg-icon\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><rect x=\"3\" y=\"3\" width=\"18\" height=\"18\" rx=\"2\" ry=\"2\"\/><circle cx=\"8.5\" cy=\"8.5\" r=\"1.5\"\/><polyline points=\"21 15 16 10 5 21\"\/><\/svg><\/span><\/div><\/div><\/div><\/div><div class=\"kt-infobox-textcontent\"><h4 class=\"kt-blocks-info-box-title\">Property Location<\/h4><p class=\"kt-blocks-info-box-text\">Type in the address See if they home you want qualifies.<\/p><\/div><\/a><\/div>\n<\/div><\/div>\n\n<\/div><\/div><\/div><\/div>\n\n<\/div><\/div>\n\n<style>.kb-row-layout-id5_edbcdf-fe > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id5_edbcdf-fe > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id5_edbcdf-fe > .kt-row-column-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:var(--global-kb-gap-md, 2rem);padding-top:var(--global-kb-spacing-sm, 1.5rem);padding-bottom:var(--global-kb-spacing-sm, 1.5rem);grid-template-columns:minmax(0, calc(15% - ((var(--global-kb-gap-md, 2rem) * 2 )\/3)))minmax(0, calc(70% - ((var(--global-kb-gap-md, 2rem) * 2 )\/3)))minmax(0, calc(15% - ((var(--global-kb-gap-md, 2rem) * 2 )\/3)));}.kb-row-layout-id5_edbcdf-fe > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id5_edbcdf-fe > .kt-row-column-wrap > div:not(.added-for-specificity){grid-column:initial;}}@media all and (max-width: 1024px){.kb-row-layout-id5_edbcdf-fe > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr) minmax(0, 2fr) minmax(0, 1fr);}}@media all and (max-width: 767px){.kb-row-layout-id5_edbcdf-fe > .kt-row-column-wrap > div:not(.added-for-specificity){grid-column:initial;}.kb-row-layout-id5_edbcdf-fe > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id5_edbcdf-fe alignnone wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-3-columns kt-row-layout-center-half kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-top\">\n<style>.kadence-column5_557251-34 > .kt-inside-inner-col,.kadence-column5_557251-34 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column5_557251-34 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column5_557251-34 > .kt-inside-inner-col{flex-direction:column;}.kadence-column5_557251-34 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column5_557251-34 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column5_557251-34{position:relative;}@media all and (max-width: 1024px){.kadence-column5_557251-34 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column5_557251-34 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column5_557251-34 inner-column-1\"><div class=\"kt-inside-inner-col\"><\/div><\/div>\n\n\n<style>.kadence-column5_68e09e-80 > .kt-inside-inner-col,.kadence-column5_68e09e-80 > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column5_68e09e-80 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column5_68e09e-80 > .kt-inside-inner-col{flex-direction:column;}.kadence-column5_68e09e-80 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column5_68e09e-80 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column5_68e09e-80{position:relative;}@media all and (max-width: 1024px){.kadence-column5_68e09e-80 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column5_68e09e-80 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column5_68e09e-80 inner-column-2\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-advancedheading.kt-adv-heading5_b5ef03-b2, .wp-block-kadence-advancedheading.kt-adv-heading5_b5ef03-b2[data-kb-block=\"kb-adv-heading5_b5ef03-b2\"]{text-align:center;font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading5_b5ef03-b2 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading5_b5ef03-b2[data-kb-block=\"kb-adv-heading5_b5ef03-b2\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading5_b5ef03-b2 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading5_b5ef03-b2[data-kb-block=\"kb-adv-heading5_b5ef03-b2\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<h3 class=\"kt-adv-heading5_b5ef03-b2 wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading5_b5ef03-b2\">USDA 502 Direct Loan is a subsidized government program<\/h3>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading5_779e3e-7e, .wp-block-kadence-advancedheading.kt-adv-heading5_779e3e-7e[data-kb-block=\"kb-adv-heading5_779e3e-7e\"]{text-align:center;font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading5_779e3e-7e mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading5_779e3e-7e[data-kb-block=\"kb-adv-heading5_779e3e-7e\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading5_779e3e-7e img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading5_779e3e-7e[data-kb-block=\"kb-adv-heading5_779e3e-7e\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<h4 class=\"kt-adv-heading5_779e3e-7e wp-block-kadence-advancedheading\" data-kb-block=\"kb-adv-heading5_779e3e-7e\">What does that mean?<\/h4>\n\n\n\n<p>Specifically, it means the government helps a person in a financial way to create less of a monetary burden for that person. For the 502 Direct Loan this means that the monthly mortgage payment is subsidized, meaning that the borrower makes a monthly payment that may not be the full payment for the loan. However, the loan is subject to recapture. This means even thought the person is not currently making the full payment, the government will eventually collect the unpaid interest. It also means the person has to requalify for the subsidized payment when determined by USDA, at least every two years. Once the person no longer qualifies for the subsidized payment the full mortgage payment will be due every month.<\/p>\n<\/div><\/div>\n\n\n<style>.kadence-column5_d5ef16-de > .kt-inside-inner-col,.kadence-column5_d5ef16-de > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column5_d5ef16-de > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column5_d5ef16-de > .kt-inside-inner-col{flex-direction:column;}.kadence-column5_d5ef16-de > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column5_d5ef16-de > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column5_d5ef16-de{position:relative;}@media all and (max-width: 1024px){.kadence-column5_d5ef16-de > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column5_d5ef16-de > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column5_d5ef16-de inner-column-3\"><div class=\"kt-inside-inner-col\"><\/div><\/div>\n\n<\/div><\/div>\n\n<style>.kb-row-layout-wrap.wp-block-kadence-rowlayout.kb-row-layout-id5_b55343-0a{margin-top:0px;}.kb-row-layout-id5_b55343-0a > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id5_b55343-0a > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id5_b55343-0a > .kt-row-column-wrap{column-gap:80px;row-gap:var(--global-kb-gap-md, 2rem);max-width:var( --global-content-width, 1290px );padding-left:var(--global-content-edge-padding);padding-right:var(--global-content-edge-padding);padding-top:13px;padding-bottom:80px;grid-template-columns:minmax(0, calc(45% - ((80px * 1 )\/2)))minmax(0, calc(55% - ((80px * 1 )\/2)));}.kb-row-layout-id5_b55343-0a > .kt-row-layout-overlay{opacity:1;background:linear-gradient(180deg,  0%, #00B5E2 100%);}.kb-row-layout-id5_b55343-0a .kt-row-layout-bottom-sep{height:100px;}.kb-row-layout-id5_b55343-0a .kt-row-layout-bottom-sep svg{width:100%;}.kb-row-layout-id5_b55343-0a .kt-row-layout-bottom-sep svg{fill:var(--global-palette9, #ffffff)!important;}.kb-row-layout-id5_b55343-0a .kt-row-layout-top-sep{height:100px;}.kb-row-layout-id5_b55343-0a .kt-row-layout-top-sep svg{width:198%;}.kb-row-layout-id5_b55343-0a .kt-row-layout-top-sep svg{fill:var(--global-palette9, #ffffff)!important;}@media all and (max-width: 1024px){.kb-row-layout-id5_b55343-0a > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 1024px){.kb-row-layout-id5_b55343-0a > .kt-row-column-wrap > .wp-block-kadence-column:nth-child(1 of *:not(style)){order:2;}}@media all and (max-width: 1024px){.kb-row-layout-id5_b55343-0a > .kt-row-column-wrap > .wp-block-kadence-column:nth-child(2 of *:not(style)){order:1;}}@media all and (max-width: 1024px){.kb-row-layout-id5_b55343-0a > .kt-row-column-wrap > .wp-block-kadence-column:nth-child(3 of *:not(style)){order:12;}}@media all and (max-width: 1024px){.kb-row-layout-id5_b55343-0a > .kt-row-column-wrap > .wp-block-kadence-column:nth-child(4 of *:not(style)){order:11;}}@media all and (max-width: 1024px){.kb-row-layout-id5_b55343-0a > .kt-row-column-wrap > .wp-block-kadence-column:nth-child(5 of *:not(style)){order:22;}}@media all and (max-width: 1024px){.kb-row-layout-id5_b55343-0a > .kt-row-column-wrap > .wp-block-kadence-column:nth-child(6 of *:not(style)){order:21;}}@media all and (max-width: 1024px){.kb-row-layout-id5_b55343-0a > .kt-row-column-wrap > .wp-block-kadence-column:nth-child(7 of *:not(style)){order:32;}}@media all and (max-width: 1024px){.kb-row-layout-id5_b55343-0a > .kt-row-column-wrap > .wp-block-kadence-column:nth-child(8 of *:not(style)){order:31;}}@media all and (max-width: 1024px){.kb-row-layout-id5_b55343-0a .kt-row-layout-bottom-sep{height:px;}}@media all and (max-width: 1024px){.kb-row-layout-id5_b55343-0a .kt-row-layout-bottom-sep svg{width:%;}}@media all and (max-width: 767px){.kb-row-layout-id5_b55343-0a > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}.kb-row-layout-id5_b55343-0a > .kt-row-column-wrap > .wp-block-kadence-column:nth-child(1 of *:not(style)){order:2;}.kb-row-layout-id5_b55343-0a > .kt-row-column-wrap > .wp-block-kadence-column:nth-child(2 of *:not(style)){order:1;}.kb-row-layout-id5_b55343-0a > .kt-row-column-wrap > .wp-block-kadence-column:nth-child(3 of *:not(style)){order:12;}.kb-row-layout-id5_b55343-0a > .kt-row-column-wrap > .wp-block-kadence-column:nth-child(4 of *:not(style)){order:11;}.kb-row-layout-id5_b55343-0a > .kt-row-column-wrap > .wp-block-kadence-column:nth-child(5 of *:not(style)){order:22;}.kb-row-layout-id5_b55343-0a > .kt-row-column-wrap > .wp-block-kadence-column:nth-child(6 of *:not(style)){order:21;}.kb-row-layout-id5_b55343-0a > .kt-row-column-wrap > .wp-block-kadence-column:nth-child(7 of *:not(style)){order:32;}.kb-row-layout-id5_b55343-0a > .kt-row-column-wrap > .wp-block-kadence-column:nth-child(8 of *:not(style)){order:31;}.kb-row-layout-id5_b55343-0a .kt-row-layout-bottom-sep{height:px;}.kb-row-layout-id5_b55343-0a .kt-row-layout-bottom-sep svg{width:%;}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id5_b55343-0a alignnone has-theme-palette7-background-color kt-row-has-bg wp-block-kadence-rowlayout\"><div class=\"kt-row-layout-overlay kt-row-overlay-gradient\"><\/div><div class=\"kt-row-column-wrap kt-has-2-columns kt-row-layout-equal kt-tab-layout-row kt-mobile-layout-row kt-row-valign-top kt-inner-column-height-full kb-theme-content-width\">\n<style>.kadence-column5_f22401-3c > .kt-inside-inner-col,.kadence-column5_f22401-3c > .kt-inside-inner-col:before{border-top-left-radius:0px;border-top-right-radius:0px;border-bottom-right-radius:0px;border-bottom-left-radius:0px;}.kadence-column5_f22401-3c > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column5_f22401-3c > .kt-inside-inner-col{flex-direction:column;}.kadence-column5_f22401-3c > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column5_f22401-3c > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column5_f22401-3c{text-align:left;}.kadence-column5_f22401-3c{position:relative;}@media all and (max-width: 1024px){.kadence-column5_f22401-3c > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column5_f22401-3c > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column5_f22401-3c inner-column-1\"><div class=\"kt-inside-inner-col\">\n<p><\/p>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading5_624f6c-75, .wp-block-kadence-advancedheading.kt-adv-heading5_624f6c-75[data-kb-block=\"kb-adv-heading5_624f6c-75\"]{font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading5_624f6c-75 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading5_624f6c-75[data-kb-block=\"kb-adv-heading5_624f6c-75\"] mark.kt-highlight{font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading5_624f6c-75 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading5_624f6c-75[data-kb-block=\"kb-adv-heading5_624f6c-75\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<h2 class=\"kt-adv-heading5_624f6c-75 wp-block-kadence-advancedheading has-theme-palette-4-color has-text-color\" data-kb-block=\"kb-adv-heading5_624f6c-75\">Have other questions about qualifying for a Mortgage??&#8230;<\/h2>\n\n\n<style>.wp-block-kadence-advancedheading.kt-adv-heading5_bfcf99-27, .wp-block-kadence-advancedheading.kt-adv-heading5_bfcf99-27[data-kb-block=\"kb-adv-heading5_bfcf99-27\"]{text-align:left;font-weight:normal;font-style:normal;}.wp-block-kadence-advancedheading.kt-adv-heading5_bfcf99-27 mark.kt-highlight, .wp-block-kadence-advancedheading.kt-adv-heading5_bfcf99-27[data-kb-block=\"kb-adv-heading5_bfcf99-27\"] mark.kt-highlight{font-weight:normal;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}.wp-block-kadence-advancedheading.kt-adv-heading5_bfcf99-27 img.kb-inline-image, .wp-block-kadence-advancedheading.kt-adv-heading5_bfcf99-27[data-kb-block=\"kb-adv-heading5_bfcf99-27\"] img.kb-inline-image{width:150px;vertical-align:baseline;}<\/style>\n<p class=\"kt-adv-heading5_bfcf99-27 wp-block-kadence-advancedheading has-theme-palette-4-color has-text-color\" data-kb-block=\"kb-adv-heading5_bfcf99-27\">We recognize that buying a house will be the largest purchase you ever make but, are you ready to make that purchase? Here are some helpful tips. <\/p>\n\n\n<style>.wp-block-kadence-iconlist.kt-svg-icon-list-items5_a06cd9-97:not(.this-stops-third-party-issues){margin-top:0px;margin-bottom:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items5_a06cd9-97 ul.kt-svg-icon-list:not(.this-prevents-issues):not(.this-stops-third-party-issues):not(.tijsloc){margin-top:0px;margin-right:0px;margin-bottom:10px;margin-left:0px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items5_a06cd9-97 ul.kt-svg-icon-list{grid-row-gap:30px;}.wp-block-kadence-iconlist.kt-svg-icon-list-items5_a06cd9-97 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap .kt-svg-icon-list-single{margin-right:10px;}.kt-svg-icon-list-items5_a06cd9-97 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap, .kt-svg-icon-list-items5_a06cd9-97 ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap a{color:var(--global-palette4, #2D3748);font-size:16px;font-weight:bold;color:var(--global-palette4, #2D3748);}@media all and (min-width: 1025px){.wp-block-kadence-iconlist.kt-svg-icon-list-items5_a06cd9-97:not(.kt-svg-icon-list-columns-1) ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap:not(:last-child){margin:0px;}}@media all and (min-width: 768px) and (max-width: 1024px){.wp-block-kadence-iconlist.kt-svg-icon-list-items5_a06cd9-97:not(.kt-tablet-svg-icon-list-columns-1) ul.kt-svg-icon-list .kt-svg-icon-list-item-wrap:not(:last-child){margin:0px;}}<\/style>\n<div class=\"wp-block-kadence-iconlist kt-svg-icon-list-items kt-svg-icon-list-items5_a06cd9-97 kt-svg-icon-list-columns-2 aligncenter kt-mobile-svg-icon-list-columns-1\"><ul class=\"kt-svg-icon-list\"><style>.kt-svg-icon-list-item-5_95c2f9-39 .kt-svg-icon-list-single{font-size:25px !important;color:var(--global-palette1, #3182CE) !important;background-color:var(--global-palette7, #EDF2F7)!important;padding:10px !important;border-width:1px !important;border-radius:50% !important;}.kt-svg-icon-list-item-5_95c2f9-39 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-5_95c2f9-39 kt-svg-icon-list-style-stacked\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><a href=\"https:\/\/livingrural.org\/index.php\/2022\/12\/12\/what-is-a-good-credit-score\/\">What Is a Good Credit Score?<\/a><\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-5_2c25c3-97 .kt-svg-icon-list-single{font-size:25px !important;color:var(--global-palette1, #3182CE) !important;background-color:var(--global-palette7, #EDF2F7)!important;padding:10px !important;border-width:1px !important;border-radius:50% !important;}.kt-svg-icon-list-item-5_2c25c3-97 .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-5_2c25c3-97 kt-svg-icon-list-style-stacked\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><a href=\"https:\/\/livingrural.org\/index.php\/2022\/12\/12\/tips-on-rebuilding-your-credit\/\">Rebuilding Your Credit<\/a><\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-5_df6bb4-0b .kt-svg-icon-list-single{font-size:25px !important;color:var(--global-palette1, #3182CE) !important;background-color:var(--global-palette7, #EDF2F7)!important;padding:10px !important;border-width:1px !important;border-radius:50% !important;}.kt-svg-icon-list-item-5_df6bb4-0b .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-5_df6bb4-0b kt-svg-icon-list-style-stacked\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><a href=\"https:\/\/livingrural.org\/index.php\/2022\/12\/12\/how-to-pay-off-debt-faster\/\">Pay Off Debt Fast <\/a> <\/span><\/li>\n\n\n<style>.kt-svg-icon-list-item-5_0ce522-eb .kt-svg-icon-list-single{font-size:25px !important;color:var(--global-palette1, #3182CE) !important;background-color:var(--global-palette7, #EDF2F7)!important;padding:10px !important;border-width:1px !important;border-radius:50% !important;}.kt-svg-icon-list-item-5_0ce522-eb .kt-svg-icon-list-text mark.kt-highlight{background-color:unset;font-style:normal;color:#f76a0c;-webkit-box-decoration-break:clone;box-decoration-break:clone;padding-top:0px;padding-right:0px;padding-bottom:0px;padding-left:0px;}<\/style>\n<li class=\"wp-block-kadence-listitem kt-svg-icon-list-item-wrap kt-svg-icon-list-item-5_0ce522-eb kt-svg-icon-list-style-stacked\"><span class=\"kb-svg-icon-wrap kb-svg-icon-fe_checkCircle kt-svg-icon-list-single\"><svg viewBox=\"0 0 24 24\"  fill=\"none\" stroke=\"currentColor\" stroke-width=\"2\" stroke-linecap=\"round\" stroke-linejoin=\"round\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"  aria-hidden=\"true\"><path d=\"M22 11.08V12a10 10 0 1 1-5.93-9.14\"\/><polyline points=\"22 4 12 14.01 9 11.01\"\/><\/svg><\/span><span class=\"kt-svg-icon-list-text\"><a href=\"https:\/\/livingrural.org\/index.php\/2022\/12\/13\/renting-vs-owning-a-home-whats-the-difference\/\">Renting vs. Owning<\/a><\/span><\/li>\n<\/ul><\/div>\n<\/div><\/div>\n\n\n<style>.kadence-column5_d34887-10 > .kt-inside-inner-col,.kadence-column5_d34887-10 > .kt-inside-inner-col:before{border-top-left-radius:10px;border-top-right-radius:10px;border-bottom-right-radius:10px;border-bottom-left-radius:10px;}.kadence-column5_d34887-10 > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column5_d34887-10 > .kt-inside-inner-col{flex-direction:column;}.kadence-column5_d34887-10 > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column5_d34887-10 > .kt-inside-inner-col{background-image:url('https:\/\/livingrural.org\/wp-content\/uploads\/2021\/11\/mkt-5-min-scaled-1.jpeg');background-size:cover;background-position:center center;background-attachment:scroll;background-repeat:no-repeat;}.kadence-column5_d34887-10 > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column5_d34887-10{position:relative;}@media all and (max-width: 1024px){.kadence-column5_d34887-10 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 767px){.kadence-column5_d34887-10 > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}<\/style>\n<div class=\"wp-block-kadence-column kadence-column5_d34887-10 inner-column-2\"><div class=\"kt-inside-inner-col\"><style>.wp-block-kadence-spacer.kt-block-spacer-5_b22db5-26 .kt-block-spacer{height:20px;}.wp-block-kadence-spacer.kt-block-spacer-5_b22db5-26 .kt-divider{border-top-width:1px;height:1px;border-top-color:#eee;width:80%;border-top-style:solid;}@media all and (max-width: 1024px){.wp-block-kadence-spacer.kt-block-spacer-5_b22db5-26 .kt-block-spacer{height:238px!important;}}<\/style>\n<div class=\"wp-block-kadence-spacer aligncenter kt-block-spacer-5_b22db5-26\"><div class=\"kt-block-spacer kt-block-spacer-halign-center\"><\/div><\/div>\n\n\n\n<figure class=\"wp-block-image size-full\"><a href=\"https:\/\/livingrural.org\/index.php\/2022\/12\/13\/a-modest-house\/\"><img loading=\"lazy\" decoding=\"async\" width=\"612\" height=\"430\" src=\"https:\/\/livingrural.org\/wp-content\/uploads\/2022\/11\/house1.jpg\" alt=\"\" class=\"wp-image-419\" srcset=\"https:\/\/livingrural.org\/wp-content\/uploads\/2022\/11\/house1.jpg 612w, https:\/\/livingrural.org\/wp-content\/uploads\/2022\/11\/house1-300x211.jpg 300w\" sizes=\"auto, (max-width: 612px) 100vw, 612px\" \/><\/a><figcaption class=\"wp-element-caption\">A &#8220;Modest&#8221; house&#8230;. <a href=\"https:\/\/livingrural.org\/index.php\/2022\/12\/13\/a-modest-house\/\">What is a &#8220;modest&#8221; house??<\/a><\/figcaption><\/figure>\n<\/div><\/div>\n\n<\/div><\/div>\n\n<style>.kb-row-layout-id5_9b3186-08 > .kt-row-column-wrap{align-content:start;}:where(.kb-row-layout-id5_9b3186-08 > .kt-row-column-wrap) > .wp-block-kadence-column{justify-content:start;}.kb-row-layout-id5_9b3186-08 > .kt-row-column-wrap{column-gap:var(--global-kb-gap-md, 2rem);row-gap:var(--global-kb-gap-md, 2rem);max-width:var( --global-content-width, 1290px );padding-left:var(--global-content-edge-padding);padding-right:var(--global-content-edge-padding);padding-top:0px;padding-bottom:40px;grid-template-columns:minmax(0, 1fr);}.kb-row-layout-id5_9b3186-08 > .kt-row-layout-overlay{opacity:0.30;}@media all and (max-width: 1024px){.kb-row-layout-id5_9b3186-08 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}@media all and (max-width: 767px){.kb-row-layout-id5_9b3186-08 > .kt-row-column-wrap{grid-template-columns:minmax(0, 1fr);}}<\/style><div class=\"kb-row-layout-wrap kb-row-layout-id5_9b3186-08 alignnone has-theme-palette3-background-color kt-row-has-bg wp-block-kadence-rowlayout\"><div class=\"kt-row-column-wrap kt-has-1-columns kt-row-layout-equal kt-tab-layout-inherit kt-mobile-layout-row kt-row-valign-top kb-theme-content-width\">\n<style>.kadence-column5_7019a7-bc > .kt-inside-inner-col{padding-top:40px;padding-right:0px;padding-bottom:40px;padding-left:0px;}.kadence-column5_7019a7-bc > .kt-inside-inner-col,.kadence-column5_7019a7-bc > .kt-inside-inner-col:before{border-top-left-radius:10px;border-top-right-radius:10px;border-bottom-right-radius:10px;border-bottom-left-radius:10px;}.kadence-column5_7019a7-bc > .kt-inside-inner-col{column-gap:var(--global-kb-gap-sm, 1rem);}.kadence-column5_7019a7-bc > .kt-inside-inner-col{flex-direction:column;}.kadence-column5_7019a7-bc > .kt-inside-inner-col > .aligncenter{width:100%;}.kadence-column5_7019a7-bc > .kt-inside-inner-col:before{opacity:0.3;}.kadence-column5_7019a7-bc{position:relative;}.kadence-column5_7019a7-bc, .kt-inside-inner-col > .kadence-column5_7019a7-bc:not(.specificity){margin-top:-100px;margin-right:100px;margin-left:100px;}@media all and (max-width: 1024px){.kadence-column5_7019a7-bc > .kt-inside-inner-col{flex-direction:column;justify-content:center;}}@media all and (max-width: 1024px){.kadence-column5_7019a7-bc, .kt-inside-inner-col > 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THE 502 Direct loan Program: Watch this video for a brief overview of the loan program. The 502 Direct Loan Program: The 502 Direct Loan program assists low- and very-low-income applicants ,&#8230;<\/p>\n","protected":false},"author":1,"featured_media":363,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"_kadence_starter_templates_imported_post":true,"_kad_post_transparent":"","_kad_post_title":"hide","_kad_post_layout":"fullwidth","_kad_post_sidebar_id":"","_kad_post_content_style":"unboxed","_kad_post_vertical_padding":"","_kad_post_feature":"","_kad_post_feature_position":"","_kad_post_header":false,"_kad_post_footer":false,"footnotes":""},"class_list":["post-5","page","type-page","status-publish","has-post-thumbnail","hentry"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/livingrural.org\/index.php\/wp-json\/wp\/v2\/pages\/5","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/livingrural.org\/index.php\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/livingrural.org\/index.php\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/livingrural.org\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/livingrural.org\/index.php\/wp-json\/wp\/v2\/comments?post=5"}],"version-history":[{"count":68,"href":"https:\/\/livingrural.org\/index.php\/wp-json\/wp\/v2\/pages\/5\/revisions"}],"predecessor-version":[{"id":1614,"href":"https:\/\/livingrural.org\/index.php\/wp-json\/wp\/v2\/pages\/5\/revisions\/1614"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/livingrural.org\/index.php\/wp-json\/wp\/v2\/media\/363"}],"wp:attachment":[{"href":"https:\/\/livingrural.org\/index.php\/wp-json\/wp\/v2\/media?parent=5"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}