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Direct Leveraging Loan Program	The Direct Leveraging Loan Program makes it easier and more economical for rural residents to own a home through lower interest rates and no down payment. Under this program, the lender offers up to 50 percent of the mortgage amount as a conventional 30-year, fixed-rate first mortgage and the Rural Housing Service (RHS) offers the balance as a second mortgage at an interest rate that is generally below market. The RHS is part of the U.S. Department of Agriculture.
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