It is a government program, the USDA loan program and you do have to go through specific lenders/banks to apply. But they're zero down loans, the houses have to be in move in ready condition (no repairs needed or anything) and they're more income based than credit based (meaning lower end credit is looked at with a little less scrutiny if you can show you have the means to repay the loan)

Depending on where you are looking to buy - there are loans out there geared towards lower income/rural placement as a way to bring new people into the communities. There are guidelines and such but it's an avenue I feel like a lot of new homebuyers don't know about.

She's beautiful 😭

Spike is doing a really good job.