USDA loan.. will I qualify?

[johnsengirl]

I'm looking to buy my first house and looked at a house a few days ago that I love and was told it was eligible for a USDA loan. I hadn't thought about a USDA loan before but I looked it up and it sounds like the best option. My main concern with a conventional loan was my employment history. I have good credit, my score was 728 the last I checked, which was about a month ago. I have no debt. I recently graduated from college and have a degree in Early childhood Education. I was in school from September 2010 until February 2012, during which I was renting an apartment. I started my job in August 2010, but am self employed as a nanny and was just working random days, not making much due to school, so I didn't claim the money on my taxes that year (2010). In January 2011 I started doing my schooling online so I began working more and claimed that money on my taxes in 2011. I also started a part time job in August of 2011. I graduated in February of 2012 and started working even more, almost double, at my nannying job, and recieved a large raise due to getting my degree. So I have been self employed for just a few months shy of 2 years, but the first few months I didn't claim on 1099s, although I didnt make enough for it to be required. But, I can easily get a VOE from both jobs.
My current total yearly income is:
self employment: about $10,000
part time hourly job: $6,000
My main concern is with my pay raise. Will I be able to prove that my self employment income has steadily increased by providing bank statements of my weekly depeosits? Or will this not be enough?
The house I am looking at is in Ontario county NY and is $54,000.

[Cat Damiano]

The loan officer that has told you that you will qualify for the USDA loan should be able to answer these questions for you as we would not be able to tell you if you will qualify.