It is hard to beat the flexibility and great rates of Maine's USDA rural housing loans. These programs are geared toward home buyers who live in rural areas of the Country (that's most of Maine according to USDA)and who have little to no money to put down. USDA rural housing loan programs offer flexible, common sense underwriting guidelines, relaxed credit requirements, no PMI (private mortgage insurance) options, the ability to finance closing costs into the loan amount, lenient seller concessions, and rates that are comparable to, if not better than, conventional fixed rate mortgage programs.