Yes, the USDA Home Loan program is legal. The United States Department of Agriculture (USDA) offers these loans to help low- and moderate-income individuals buy, repair, or renovate homes in rural areas. To be eligible for a USDA home loan, you must meet specific credit requirements and know how to refinance a personal loan for your houseYou need at least one year of on-time mortgage payments in the past five years with no more than one 30-day late payment. Your debt ratio should not exceed 43%, while your total monthly debt obligations cannot exceed 50% of your gross monthly income. There are limits on the maximum amount that you can borrow and annual income limits which vary depending on your location and property size.