Kentucky USDA and Rural Housing Home Loan Eligibility Map Changes For 2014 

As a reminder, all current Kentucky USDA Rural Housing eligible areas have been extended through September 30th, 20142014 due to the passing of the Omnibus Spending Bill. 

Changes to Kentucky Rural Housing areas can be viewed by selecting the applicable program listed under “Future Eligible Areas” at http://eligibility.sc.egov.usda.gov.


The Kentucky cities below once thought to be ineligible for Kentucky RHS loans are now  considered to be eligible for Kentucky USDA Loans until 10/1/2014 for the following rural housing areas

These Kentucky cities included below are now eligible :

Bardstown, Kentucky
Shepherdsville, Kentucky
Elizabethtown, Kentucky
Burlington, Kentucky
Independence Kentucky
Shelbyville, Kentucky
Georgetown, Kentucky 
Nicholasville, Kentucky
If you have any questions about the USDA eligibility maps in Kentucky for USDA loans, please give me a call or email me below:

I also offer same day loan pre-approvals for USDA loans in every county of Kentucky.

NOTE: Complete applications received prior to October 1, 2014, will continue to use the existing eligible rural area definitions based on 2000 Census data

Kentucky USDA Loan requirements are fairly straight forward.  Credit scores preferred for a USDA loan are currently set at 640, you must meet the Income Requirements for your area, and if you have Student Loans, you need to know how Kentucky USDA underwriters will treat the type of Student Loan you have n calculating your ratios.

Joel Lobb (NMLS#57916)
Senior  Loan Officer

(: (502) 905-3708 | 

 Company ID #1364 | 
http://mylouisvillekentuckymortgage.com