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https://www.rd.usda.gov/sites/default/files/fact-sheet/508_RD_FS_RHS_SFH502Direct.pdf
the federal government will loan you the money for the house at below market rates, and if their rate is still too expensive, they can give you a deferment.
my effective interest rate today is 1%.
please take money from the federal government.
fuck the banks.
"applicants must be without decent, safe, and sanitary housing" is that a hard stop or is there some flexibility on that condition? im not trying to pry into your previous situation, but that makes it sound a bit more dire than the average renter.
i had a lease on an apartment when the process started.
edit: honestly if the requirement were that you were homeless or next to it,i don't think anyone would ever apply for this program. the first application is daunting, and then there is the matter of actually shopping for a house.
ah, good to know. thanks for the tip!