USDA LOAN PROGRAM USDA – United States Department of Agriculture – Loans A lot of mortgage companies have these type of loans backed by the government and secured by the United States Department of Agriculture. This is not a first-time homebuyer program. Anyone who qualifies can use these type of loans as long as you do not currently own a house. Therefore, this would not be a loan program that you could use to purchase rental, investment, vacation, or a second home. It i