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Conventional loans must adhere to mortgage guidelines set by the Federal National Mortgage Association, also referred to as Fannie Mae or The Federal Home Loan Mortgage Corporation, also known as Freddie Mac. This program might be a consideration for borrowers with average to above average credit and stable income.
The USDA Rural Development provides financing for rural properties for households with low to moderate income. Borrowers looking to purchase in a rural area are often considered for these loans.