Rural Americans rely on programs like the 502 Rural Housing Loan Program to provide them with services that can be difficult to come by in some communities. Section 502 loans can be used to build, repair, renovate or relocate a home, or to purchase and prepare sites, including providing water and sewage facilities. There are two different programs: the guaranteed program, and the direct loan program. Guaranteed loans are funded by private lenders, and simply insured by the RHS. The Guaranteed loans are self-funded and budget neutral, meaning the fees paid for borrowers fully pay for the program, placing no burden on American taxpayers. Direct loans benefit very low income or low income borrowers with funds loaned directly by the Rural Housing Service, without the use of private lenders.