BY SHARON GERBER – Many people are unaware that there is still 100% financing available for housing loans. There are definitely eligibility requirements for the property and the borrower. To find out if you are eligible, this website is an excellent resource:

As an example, the whole island of Kauai is considered rural. This does not mean that every property on Kauai is eligible for this loan, but does broaden the liklihood that a property would be eligible. Condos are also eligible as long as they are already on an approved government list, such as VA or FHA.

Income eligibility is a key piece as well. The income guidelines are generous. I recently closed a USDA/RH loan for a single borrower that makes just under $50,000 per year.

For more information, or if you have any questions, please contact me.

Sharon Gerber is a Senior Loan Officer for



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