Zero Down Lending was excellent! I still cannot believe we own our first home! We were getting so frustrated with the whole loan process. We had worked with two mortgage companies before and they kept giving us the run around and wasted almost a year of our time! I was about to extend our lease at the apartment then my friend at work told me about a USDA Loan. I applied with Zero Down Lending and they were able to help us with our credit and got us approved. We met with their agent and found a home within thee days!