When you’re considering purchasing a home with a USDA loan you want to keep your debt low. The USDA Rural Loan has more conservative debt ratio requirements. It’s simple, the less debt you have the larger loan amount you can qualify for (your buying power). You do NOT want to take out any new loans before or during your loan process or increase credit card debt. You can make plenty of money but if you have too much debt it can limit the amount you qualify for. Contact me for more information and to find out what your buying power is. If USDA doesn’t work for you, we offer other loan programs as well.