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SHOPPING SUPER MALL Still many benefits in refinancing Florida Government Home Loans – USDA Mortgage source urban capitally: shame broils Zero-down USDA Guaranteed Loans are the most popular rural development mortgage program in Florida. These loans are available for anyone with low to moderate income to purchase a home in approved rural areas with no down payment. Other USDA loan limits and resources can be viewed here: usda loan limits usda Loan Income Limits usda loan requirements usda Loan.In general, honest lenders will warn you about the benefits you are giving up when refinancing out of a federal student loan. If you have a secure job, emergency savings, strong credit, and are unlikely to benefit from forgiveness options, it may be a choice worth considering if you’re looking to lower your payments.