Joyce McGlothlin, a representative of the United States Department of Agriculture (USDA) Rural Development office in Brownwood, recently attended a Brady City Council meeting to explain portions of her agency’s loan programs and to inform the council that she is available to meet with individuals once a month in Brady. She explained that USDA Rural Development’s guaranteed rural housing loans are available for single family dwellings. “This program is the best option for eligible, low- and moderate-income applicants to move into a home without a down payment,” McGlothlin said, that the guaranteed rural housing program does not have loan limits and does not require monthly mortgage insurance in many cases, and most of the closing costs can be financed into the loan. Loans can be made to purchase new or existing homes that meet agency requirements. “We are excited about several new lenders teaming up with USDA Rural Development in providing home financing for rural families,” she said. For more information, contact the USDA office in Brownwood at 325-643-1585.