When most people hear “USDA,” they think of food labels—not home loans. But in this episode of Keeping it REal, Kelly and Amanda sit down with mortgage broker Gavin Foley from Motto Mortgage to talk about one of the most overlooked financing options out there: USDA loans. Designed to help buyers in rural and some suburban areas, USDA loans offer unique advantages, including zero down payment and competitive interest rates. Gavin breaks down what these loans are, who qualifies, and how they can make homeownership more accessible—especially for first-time buyers. Whether you’re actively house hunting or just exploring your options, this episode is packed with helpful insights to guide you through an often-misunderstood part of the mortgage world. Tune in and learn how the USDA might be the unexpected key to your next home.