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At this rate, she would be eighty years old by the time she could afford the small, blue-shingled cottage on the edge of town. Rent was eating her alive, and the housing market in Oakridge was moving faster than her savings account ever could.

She had gone with the USDA option. The process had been a mountain of paperwork, tax returns, and waiting for government approvals. There were moments she thought the deal would fall through. But Marcus had guided her through every hurdle.

"First," Marcus said, pointing to the first circle, "there are USDA loans. If you are willing to live just ten minutes outside the city limits in a designated rural area—which includes that beautiful stretch by the river you love—the Department of Agriculture guarantees the loan. Zero down payment required." Clara blinked. "I didn't know the USDA did mortgages."