USDA loans with Femme Capital Partners are low-interest mortgages with zero down payments designed for low-income Americans who don’t have good enough credit to qualify for traditional mortgages. You must use a USDA loan to buy a home in a designated area that covers several rural and suburban locations. The interest rate on a USDA loan is often lower than the interest rate on a traditional mortgage, and there is no down payment required. USDA loans are available to anyone who meets the income and credit requirements, regardless of whether they are a first-time home buyer.