The USDA's Rural Development program helps working families realize the dream of home ownership all over the country.  Nationwide, they sponsor $1 billion in home loans every year.

"The Rural Housing Program is all about helping rural residents get into homes," said Jeffery Glass, Housing Program Director for Nevada. "Homes really stabilize families and that's our mission, to get families into homes so we can help to stabilize families across the country."

The program helps potential homeowners who  have nowhere else to turn.

"Our direct program is a great program to help get low-income families into homes," Glass said. "We have a subsidy that can help to get them qualified for a home that in most cases. If they went to a bank, they wouldn't be able to qualify. Our program isn't to compete with those programs; we're really the lender of last resort, so if a family isn't able to get financing through a bank they can come and talk to us."

The  program does have certain standards.

"We look for like a stable and dependable income," Glass said. "Something that shows they've been making this income for some period of time and they'll be able to make a payment on a home as opposed to getting into trouble.  We look at all those things to make sure we're not putting someone in a home that can't afford it, but you'd be surprised at who can qualify for a home." 

Most of Nevada is considered rural, so the smaller counties all qualify for this program, all well as parts of Washoe County like Cold Springs and Washoe Valley. It's a fixed-rate deal that helps buyers get into a home for no money down.

The interest rates are very low," Glass said. "Our interest rate right now is 3.5% and the down payment is 100% financing there's no down payment required."

It's a program that helped the Gutierrez family move into their Dayton home nine years ago.For years, Hilda Gutierrez thought she'd never be able to buy.

"I never did, it was just something that came into my mind because I was just paying rent and it was just too much," she said.

A bank referred her to the USDA and she qualified for the loan.

"It was scary at first, then everything changed when I bought my house," Gutierrez said."My kids were happy; that's the most important thing. Their father passed away so I had to change my life but it worked out pretty good."

Gutierrez, who works in the medical field, raised her three children in that home and realized the dream of home ownership is possible.

"You can make it, it's possible," she said. "Everything is possible in this life, everyone can buy a house, just work hard."

More information: https://www.rd.usda.gov/nv or call (775) 443-4754