Rural housing
USDA eligibility
Check whether a property sits in a USDA-eligible area. Most of metro Phoenix does not — this is for homes farther out.
Rural housing
Check an address
Almost no homes in metro Phoenix qualify. This is here for a property farther out, or one outside the valley.
Result
USDA single-family loans are for rural census areas. If this comes back ineligible, that is the usual metro answer — not a credit issue.
Confirm on the official USDA map. Income and occupancy still apply. If you also need a payment on this house, open property payment.