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The applicant’s ability to repay a loan considers various factors such as income, debts, assets and the amount of payment assistance applicants may be eligible to receive. NOTE: Because citations and other information may be subject to change please always consult the program instructions listed in the section above titled "What Law Governs this Program?Regardless of repayment ability, applicants may never borrow more than the Area's Loan Limits (plus certain costs allowed to be financed) for the county in which the property is located. " You may also contact NOTE: Please select your state using the "Select your location" menu above.

We’ve developed close relationships with wineries and distributors worldwide through our fulfillment allowing us to negotiate on your behalf, passing that savings on to our members. Can I change my Wine Preferences as I learn more about what I like and what I don’t like? We are a wine tasting club, allowing you this unique opportunity to learn, taste and experience wines from all over the world. Every individual has a unique palate and taste preference and what may be good for one may not be the preference of another. First we recommend you watch the compensation video ( click here to view). If you signed up the 28th, 29th, 30th or 31st, your MAP date will ALWAYS be on the 28th of the month. Wine is best stored horizontally in a rack as the horizontal position best addresses sediment and long standing cork dryness issues. I have questions regarding compensations, where can I find answers? There are several places that you can find these answers regarding the Business Opportunity compensation plan in your back office. If you signed up on the 6th of any month, your MAP date will be on the 6th of every month thereafter. Go to your back office, click on the shopping cart icon. Under status will appear 'posted' or 'shipped/track'. Program Status: Open Program Factsheet: PDF What does this program do?Also known as the Section 502 Direct Loan Program, this program assists low- and very-low-income applicants obtain decent, safe and sanitary housing in eligible rural areas by providing payment assistance to increase an applicant’s repayment ability.Visit the USDA Income and Property Eligibility website for complete details. Loan funds may be used to help low-income individuals or households purchase homes in rural areas. USDA Rural Development’s Section 502 Direct Loan Program provides a path to homeownership for low- and very-low-income families living in rural areas, and families who truly have no other way to make affordable homeownership a reality.

Funds can be used to build, repair, renovate or relocate a home, or to purchase and prepare sites, including providing water and sewage facilities. The maximum loan amount an applicant may qualify for will depend on the applicant’s repayment ability. Applicants with assets higher than the asset limits may be required to use a portion of those assets. Applications for this program are accepted through your local RD office year round. Processing times vary depending on funding availability and program demand in the area in which an applicant is interested in buying and completeness of the application package. Providing these affordable homeownership opportunities promotes prosperity, which in turn creates thriving communities and improves the quality of life in rural areas.

Note: you do not need to do anything if you have already set up a Direct Debit, your new bill will list the payment instalment amounts and the date they will be taken.

No – if you chose to pay over 10 months, the Direct Debit will automatically stop after the 10th month and re-start in April after you receive the next year's bill in March.

By doing so, any state specific forms and resources will be shown above this note.

Please visit the Eligibility Site to find out if your income is within the direct loan limits.

You’ll get an email or letter telling you when your Direct Debit payments will be taken.