There has been serious changes in the banking system. Investors have been worried about their bank stocks since the 07 market correction. Recently, banks have disclosed that they may not have followed all disclosure and processing rules. Given all this uncertain, lending rules have changed and you the consumer need higher credit scores and more money down to purchase a home from most banks. Meanwhile USDA continues to make same type loan it did 5 years ago. Mel Ellis, the Director, Single Family Housing Programs at USDA Rural Development, and I talk about USDA’s role in lending and how you may benefit from the very low financing that comes with USDA loans. Mel explains some of USDA conditions: the max loan amount, location restrictions, and debt to income ratios. I share the information I've learned about predatory lending and we compare the differences of the loan products. Join this Richard Brown show it can literally 'keep you out of the poor house'.