Alex had served in the military. Because of this service, Alex was eligible for a VA Loan , which allows veterans and active-duty members to buy a home with 0% down .

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: Jordan used the USDA's eligibility map to find a home in a qualifying small town.

Jordan hadn't served in the military, but she loved the quiet of the countryside. She discovered the USDA Loan program, which supports low-to-moderate-income buyers in "eligible rural areas".

: Alex found a suburban house and used his Certificate of Eligibility (COE) to secure 100% financing.

By the end of the year, both Alex and Jordan were hosting housewarming parties in living rooms they owned, without having spent years saving for a 20% down payment.

: He didn't have to pay monthly private mortgage insurance (PMI), saving him hundreds every month.