For several years, Mrs. Cruz and her young son had been living in a rented house in Hatillo. As a dedicated single mother to her three‑year‑old boy, Mrs. Cruz dreamed of giving her son the stability and security that comes with owning a home of their own.

In 2025, she took the first step toward that dream by visiting the USDA Rural Development field office in Camuy. There, she was prequalified for the purchase of her first home. With determination, she began searching for home, but despite her efforts, the housing opportunities available at that time did not align with her needs. Though the process was challenging, Mrs. Cruz did not give up.

Her persistence paid off when, in 2026, she returned to the Camuy office with wonderful news: she had finally found a home that was right for her and her son. Ready to move forward, she began the next phase of her journey toward homeownership.

Loan Specialist Mr. Flores thoroughly explained the Section 502 Direct Loan Program, ensuring she felt confident and supported throughout the process. On February 12, 2026, Mrs. Cruz officially initiated her application. From that day on, her case was diligently worked, culminating in loan approval on May 21, 2026.

Just weeks later, on June 18, 2026, her loan closed successfully.

Today, Mrs. Cruz is a proud homeowner, a milestone achieved through perseverance, hope, and the support of USDA Rural Development’s 502 Direct Loan Program. She shared that owning her first home represents a fresh start and a brighter future for her and her son, providing them with the comfort and stability they have long wished for.

Her journey is a beautiful reminder that, with determination and the right support, dreams of homeownership truly can become reality.