Kentucky USDA Rural Housing Map for 2025

 

Kentucky USDA Rural Housing Map

Find homes in Kentucky that are eligible for USDA Rural Housing loans using this interactive map. Enter the property address in the search bar to check eligibility, or explore eligible areas on the map below.


Open Full USDA Eligibility Map





enter address below:


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How to Use This Map:

  • Enter the property address in the search bar to check if it's eligible for USDA Rural Housing loans.
  • Zoom in and out to explore eligible rural areas across Kentucky.
  • Select "Single Family Housing" from the options to refine your search.

USDA loans are an excellent option for homebuyers looking for 100% financing in eligible rural areas of Kentucky. If you need help navigating USDA loan programs or eligibility requirements, contact us for expert guidance.




Complete Kentucky USDA County Directory

Adair County- Columbia - Eligible
Allen County- Scottsville - Eligible
Anderson County- Lawrenceburg - Eligible
Ballard County- Wickliffe - Eligible
Barren County- Glasgow - Eligible
Bath County- Owingsville - Eligible
Bell County- Pineville - Eligible
Bourbon County- Paris - Eligible
Bracken County- Brooksville - Eligible
Breathitt County- Jackson - Eligible
Breckinridge County- Hardinsburg - Eligible
Butler County- Morgantown - Eligible
Caldwell County- Princeton - Eligible
Calloway County- Murray - Eligible
Carlisle County- Bardwell - Eligible
Carroll County- Carrollton - Eligible
Carter County- Grayson - Eligible
Casey County- Liberty - Eligible
Clark County- Winchester - Eligible
Clay County- Manchester - Eligible
Clinton County- Albany - Eligible
Crittenden County- Marion - Eligible
Cumberland County- Burkesville - Eligible
Edmonson County- Brownsville - Eligible
Elliott County- Sandy Hook - Eligible
Estill County- Irvine - Eligible
Fleming County- Flemingsburg - Eligible
Floyd County- Prestonsburg - Eligible
Fulton County- Hickman - Eligible
Gallatin County- Warsaw - Eligible
Garrard County- Lancaster - Eligible
Grant County- Williamstown - Eligible
Graves County- Mayfield - Eligible
Grayson County- Leitchfield - Eligible
Green County- Greensburg - Eligible
Greenup County- Greenup - Eligible
Hancock County- Hawesville - Eligible
Harlan County- Harlan - Eligible
Harrison County- Cynthiana - Eligible
Hart County- Munfordville - Eligible
Henderson County- Henderson - Eligible
Henry County- New Castle - Eligible
Hickman County- Clinton - Eligible
Hopkins County- Madisonville - Eligible
Jackson County- McKee - Eligible
Jessamine County- Nicholasville - Eligible
Johnson County- Paintsville - Eligible
Knott County- Hindman - Eligible
Knox County- Barbourville - Eligible
LaRue County- Hodgenville - Eligible
Laurel County- London - Eligible
Lawrence County- Louisa - Eligible
Lee County- Beattyville - Eligible
Leslie County- Hyden - Eligible
Letcher County- Whitesburg - Eligible
Lewis County- Vanceburg - Eligible
Lincoln County- Stanford - Eligible
Livingston County- Smithland - Eligible
Logan County- Russellville - Eligible
Lyon County- Eddyville - Eligible
Magoffin County- Salyersville - Eligible
Marion County- Lebanon - Eligible
Marshall County- Benton - Eligible
Martin County- Inez - Eligible
Mason County- Maysville - Eligible
McCreary County- Whitley City - Eligible
McLean County- Calhoun - Eligible
Meade County- Brandenburg - Eligible
Menifee County- Frenchburg - Eligible
Mercer County- Harrodsburg - Eligible
Metcalfe County- Edmonton - Eligible
Monroe County- Tompkinsville - Eligible
Montgomery County- Mount Sterling - Eligible
Morgan County- West Liberty - Eligible
Muhlenberg County- Greenville - Eligible
Nicholas County- Carlisle - Eligible
Ohio County- Hartford - Eligible
Owen County- Owenton - Eligible
Owsley County- Booneville - Eligible
Pendleton County- Falmouth - Eligible
Perry County- Hazard - Eligible
Pike County- Pikeville - Eligible
Powell County- Stanton - Eligible
Pulaski County- Somerset - Eligible
Robertson County- Mount Olivet - Eligible
Rockcastle County- Mount Vernon - Eligible
Rowan County- Morehead - Eligible
Russell County- Jamestown - Eligible
Simpson County- Franklin - Eligible
Spencer County- Taylorsville - Eligible
Taylor County- Campbellsville - Eligible
Todd County- Elkton - Eligible
Trigg County- Cadiz - Eligible
Trimble County- Bedford - Eligible
Union County- Morganfield - Eligible
Washington County- Springfield - Eligible
Wayne County- Monticello - Eligible
Webster County- Dixon - Eligible
Whitley County- Williamsburg - Eligible
Wolfe County- Campton - Eligible
Woodford County- Versailles - Eligible
Boone County- Burlington - Partially Eligible
Boyd County- Catlettsburg - Partially Eligible
Boyle County- Danville - Partially Eligible
Bullitt County- Shepherdsville - Partially Eligible
Christian County- Hopkinsville - Partially Eligible
Daviess County- Owensboro - Partially Eligible
Franklin County- Frankfort - Partially Eligible
Hardin County- Elizabethtown - Partially Eligible
Madison County- Richmond - Partially Eligible
McCracken County- Paducah - Partially Eligible
Nelson County- Bardstown - Partially Eligible
Oldham County- La Grange - Partially Eligible
Scott County- Georgetown - Partially Eligible
Warren County- Bowling Green - Partially Eligible
Campbell County- Newport - Not Eligible
Fayette County- Lexington - Not Eligible
Jefferson County- Louisville - Not Eligible
Kenton County- Covington - Not Eligible

🔍 Check Your Property's USDA Eligibility

Enter your Kentucky property address to get an instant eligibility assessment for USDA rural housing loans.

📋 What You Need to Know

✅ Eligible Areas Include:

  • Rural towns under 10,000 population
  • Open country areas
  • Some towns 10,000-25,000 people
  • Designated rural subdivisions

❌ Ineligible Areas Include:

  • Louisville Metro area
  • Lexington Metro area
  • Cincinnati Metro (Northern KY)
  • Dense urban centers

⚠️ Partial Areas Include:

  • Suburbs of major cities
  • Mid-size city outskirts
  • Mixed urban/rural counties
  • University towns

🏠 USDA Loan Benefits:

  • No down payment required
  • No monthly mortgage insurance
  • Competitive fixed rates
  • Flexible credit requirements

Ready to Start Your Kentucky USDA Loan Application?

Get expert guidance from Kentucky's leading USDA loan specialist with over 15 years of experience helping families achieve homeownership.

Joel Lobb - Licensed Mortgage Broker
Specializing in: FHA, VA, KHC, USDA Loans
NMLS #57916 | EVO Mortgage NMLS #1738461
Serving all 120 Kentucky Counties
📞 Call/Text (502) 905-3708 🌐 Visit MyLouisvilleKentuckyMortgage.com

🏠 Equal Housing Lender | www.nmlsconsumeraccess.org

🗺️ Complete Kentucky USDA Eligibility Map

All 120 Counties • Interactive • Real-Time Search • Professional Verification

FultonHickmanCarlisleBallardMcCrackenGravesMarshallCallowayLivingstonLyonTriggCaldwellChristianToddLoganSimpsonAllenBarrenMonroeCumberlandClintonWayneMcCrearyWhitleyHopkinsMuhlenbergButlerEdmonsonHartMetcalfeGreenAdairRussellCaseyPulaskiOhioGraysonBreckinridgeHardinLaRueTaylorLincolnRockcastleLaurelKnoxBellHarlan

1 - 📅 Email - kentuckyloan@gmail.com 
2.  📞 Call/Text - 502-905-3708

Joel Lobb
Mortgage Loan Officer - Expert on Kentucky Mortgage Loans


🌐 Websitewww.mylouisvillekentuckymortgage.com
🏢 Address: 911 Barret Ave., Louisville, KY 40204


Evo Mortgage
Company NMLS# 1738461
Personal NMLS# 57916

For assistance with Kentucky mortgage loans, reach out via email, call, or text Joel Lobb directly.

2025 Kentucky Rural Housing Income limits

2025 Kentucky USDA Income Limits by County | EVO Mortgage

2025 USDA Income Limits for Every Kentucky County

Going after a zero-down USDA Rural Development loan in the Bluegrass State? Start with the household income cap. As of June 18 2025, Kentucky has two tiers:

  • Statewide Standard$119,850 for households of 1–4 people and $158,250 for 5–8 people.
  • Cincinnati, OH-KY-IN HUD Metro FMR Area* (Boone, Campbell, Gallatin, Kenton) – $128,600 (1–4) / $169,800 (5–8).

*These four counties sit inside the Cincinnati MSA, so USDA assigns higher “Moderate-Income Guaranteed-Loan” limits.

Full County-by-County Chart

Most counties follow the statewide standard. The four Cincinnati-MSA counties are highlighted with their higher caps.

County Limit (1–4 Ppl) Limit (5–8 Ppl)
Adair$119,850$158,250
Allen$119,850$158,250
Anderson$119,850$158,250
Ballard$119,850$158,250
Barren$119,850$158,250
Bath$119,850$158,250
Bell$119,850$158,250
Boone$128,600$169,800
Campbell$128,600$169,800
Gallatin$128,600$169,800
Kenton$128,600$169,800
Bourbon$119,850$158,250
Boyd$119,850$158,250
Boyle$119,850$158,250
Bracken$119,850$158,250
Breathitt$119,850$158,250
Breckinridge$119,850$158,250
Bullitt$119,850$158,250
Butler$119,850$158,250
Caldwell$119,850$158,250
Calloway$119,850$158,250
Carlisle$119,850$158,250
Carroll$119,850$158,250
Carter$119,850$158,250
Casey$119,850$158,250
Christian$119,850$158,250
Clark$119,850$158,250
Clay$119,850$158,250
Clinton$119,850$158,250
Crittenden$119,850$158,250
Cumberland$119,850$158,250
Daviess$119,850$158,250
Edmonson$119,850$158,250
Elliott$119,850$158,250
Estill$119,850$158,250
Fayette$119,850$158,250
Fleming$119,850$158,250
Floyd$119,850$158,250
Franklin$119,850$158,250
Fulton$119,850$158,250
Garrard$119,850$158,250
Grant$119,850$158,250
Graves$119,850$158,250
Grayson$119,850$158,250
Green$119,850$158,250
Greenup$119,850$158,250
Hancock$119,850$158,250
Hardin$119,850$158,250
Harlan$119,850$158,250
Harrison$119,850$158,250
Hart$119,850$158,250
Henderson$119,850$158,250
Henry$119,850$158,250
Hickman$119,850$158,250
Hopkins$119,850$158,250
Jackson$119,850$158,250
Jefferson$119,850$158,250
Jessamine$119,850$158,250
Johnson$119,850$158,250
Knott$119,850$158,250
Knox$119,850$158,250
LaRue$119,850$158,250
Laurel$119,850$158,250
Lawrence$119,850$158,250
Lee$119,850$158,250
Leslie$119,850$158,250
Letcher$119,850$158,250
Lewis$119,850$158,250
Lincoln$119,850$158,250
Livingston$119,850$158,250
Logan$119,850$158,250
Lyon$119,850$158,250
McCracken$119,850$158,250
McCreary$119,850$158,250
McLean$119,850$158,250
Madison$119,850$158,250
Magoffin$119,850$158,250
Marion$119,850$158,250
Marshall$119,850$158,250
Martin$119,850$158,250
Mason$119,850$158,250
Meade$119,850$158,250
Menifee$119,850$158,250
Mercer$119,850$158,250
Metcalfe$119,850$158,250
Monroe$119,850$158,250
Montgomery$119,850$158,250
Morgan$119,850$158,250
Muhlenberg$119,850$158,250
Nelson$119,850$158,250
Nicholas$119,850$158,250
Ohio$119,850$158,250
Oldham$119,850$158,250
Owen$119,850$158,250
Owsley$119,850$158,250
Pendleton$119,850$158,250
Perry$119,850$158,250
Pike$119,850$158,250
Powell$119,850$158,250
Pulaski$119,850$158,250
Robertson$119,850$158,250
Rockcastle$119,850$158,250
Rowan$119,850$158,250
Russell$119,850$158,250
Scott$119,850$158,250
Shelby$119,850$158,250
Simpson$119,850$158,250
Spencer$119,850$158,250
Taylor$119,850$158,250
Todd$119,850$158,250
Trigg$119,850$158,250
Trimble$119,850$158,250
Union$119,850$158,250
Warren$119,850$158,250
Washington$119,850$158,250
Wayne$119,850$158,250
Webster$119,850$158,250
Whitley$119,850$158,250
Wolfe$119,850$158,250
Woodford$119,850$158,250

Source: USDA Rural Development, FY 2025 Moderate-Income Guaranteed-Loan limits.

Frequently Asked Questions

🔎 How does USDA define “income”?

USDA counts total household income, not just the borrowers on the loan. Certain allowances (dependents, childcare, medical expenses) can bring you under the limit.

📍 Is my property address eligible?

Most of Kentucky outside metro Louisville, Lexington, and pockets of Northern KY qualifies. We run a free address check for every borrower in minutes.

💳 Minimum credit score?

The USDA rulebook has no hard minimum, but most lenders—including EVO Mortgage—look for a 640 FICO for automated GUS approval. Manual underwriting can dip lower with solid compensating factors.

Need to Verify Your USDA Eligibility?

Click below for a same-day pre-qualification—no hard credit pull.

🚜 Start My USDA Pre-Qual

Call/Text (502) 905-3708kentuckyloan@gmail.com

EVO Mortgage · Company NMLS #1738461 · Joel Lobb NMLS #57916 · Equal Housing Lender · NMLSConsumerAccess.org

All loan programs, rates, and terms are subject to change without notice and are contingent on borrower qualification, property location, and underwriting approval. Not a commitment to lend.




















2025 Kentucky USDA Loan Income Limits by County
2025 Kentucky USDA Rural Housing Map, 2025 Kentucky Rural Housing Income limits,


Kentucky USDA Loan Requirements

Kentucky USDA Mortgage Loan Requirements

Kentucky USDA Mortgage Loan Requirements




Kentucky Rural Housing USDA loans require One of the biggest eligibility requirements is that the property be located in a designated rural area of Kentucky. 
You can use this map for Kentucky USDA Rural Housing Eligible Areas  below to determine if the property you have your eye on is eligible for a Kentucky USDA home loan.
Generally, these areas are outside of major metropolitan areas of Kentucky to include Jefferson County, Fayette County, and parts of Northern Kentucky are not eligible.  
There are some smaller towns like Frankfort, Richmond,  Winchester, Bowling Green, Paducah, Owensboro, Henderson and Radcliff that are not eligible for the USDA loan program--(see brown shaded areas on map link)
The second crucial element for qualifying or a USDA in Kentucky is the income limits. USDA income limits can’t make more than 115% of the median family household income for the area in which you wish you purchase the home.

With regard to income, the max DTI ratio is 29/41, meaning the housing payment can’t exceed 29% of gross monthly income and total liabilities can’t exceed 41% of income. You can go higher with an automated GUS approval. 
You must also occupy the property you’re buying – no second homes or investment properties are permitted. But manufactured homes are USDA eligible. And there area loan limits just like there are on conventional mortgages and FHA loans..
 The Kentucky USDA home loan program is not limited to just first-time home buyers. Repeat buyers are also eligible!

Types of Kentucky USDA Home Loans

The USDA home loan only comes in one flavor; a 30-year fixed-rate mortgage. Nothing fancy or exotic here to ensure borrowers don’t get into any trouble with an ARM.
The 15-year fixed also isn’t an option because such a loan would imply that the borrower could afford a conventional loan and not need to rely on the USDA and its zero down financing program.
However, you can use a USDA home loan to both purchase a new property or refinance your current mortgage under certain circumstances. But no cash out is permitted if you perform the latter.
There is a sister program known as the Section 502 Direct Loan Program that assists low- and very-low income borrowers by providing subsidies that lower monthly mortgage payments for a select period of time.
The income limits for this program are significantly lower than those for the main USDA loan program, but the benefits are pretty amazing. For example, you can obtain an interest rate as low as 1% and get a 38-year loan term.

Minimum Credit Scores for a Kentucky USDA Home Loan Approval

Technically, there is no minimum credit score required to obtain a USDA home loan. However, lenders often impose overlays over USDA guidelines to ensure the borrowers are creditworthy.
Generally, you’ll need a credit score of 640 or higher to get approved for a USDA loan, though it’s possible to go lower with an exception or a manual underwrite.
When doing a manual underwrite, you should have compensating factors (such as long-term employment, assets, decent income, positive rental history etc.) to allow for the lower credit score. Your mortgage rate will also be higher to account for increased risk.
Also note that a higher credit score may be required if your DTI exceeds the allowable ratios.
In any case, you should really try to attain much higher credit scores if you want to get any type of mortgage, and favorable terms on said loan.
As with any other mortgage, it’s advisable to check your credit several months in advance to ensure your credit is on good shape, and if not, take steps to improve it before applying.



Credit score over 680: 


Perform a basic level of underwriting to confirm the
applicant has an acceptable credit reputation. Perform additional analysis if the
applicant’s credit history has indicators of unacceptable credit as noted in Paragraph 10.7
of this Chapter.


Credit score 679 to 640:



 Perform a comprehensive level of underwriting.
Underwrite all aspects of the applicant’s credit history to establish the applicant has an
acceptable credit reputation. Credit scores in this range indicate the applicant’s
reputation is uncertain and will require a thorough analysis by the underwriter of the
credit to draw a logical conclusion about the applicant’s commitment to making
payments on the new mortgage obligation. The applicant’s credit history should
demonstrate his or her past willingness and ability to meet credit obligations.


Credit score less than 640:



 Perform a cautious level of underwriting. Perform a
detailed review of all aspects of the applicant’s credit history to establish the applicant’s
willingness to repay and ability to manage obligations as agreed. Unless there are
extenuating circumstances documented in accordance with this Chapter, a credit score in
this range is generally viewed as a strong indication that the applicant does not have an
acceptable credit reputation.

Little or no credit history: The lack of credit history on the credit report may be
mitigated if the applicant can document a willingness to pay recurring debts through
other acceptable means such as third party verification or cancelled checks. Due to
impartiality issues, third party verification from relatives of household members are not
permissible. Lenders can develop a Non-Traditional Credit Report for applicants who
do not have a credit score in accordance with Paragraph 10.6 of this Chapter.

An applicant with an outstanding judgment obtained by the United States in a
Federal court, other than the United States Tax Court, is not eligible for a guarantee
unless otherwise stated in this Chapter. 


Validating the Credit Score. 



Two or more eligible trade lines are necessary to validate
an applicant’s credit report score. Eligible trade lines consist of credit accounts
(revolving, installment etc.) with at least 12 months of repayment history reported on the
credit report. At least one applicant whose income or assets are used for qualification
must have a valid credit report score. 

Confirm the applicant has at least two eligible tradelines reported to the credit bureau.
The tradeline may be open, closed and/or paid in full by the applicant. Eligible tradelines
include:

 Loan (secured or unsecured);
 Revolving (generally a credit which is not repaid by a certain number of
installments);
 Installment credit (generally repaid through a specified number of
installments such as automobile, recreational vehicle, or student loans);
 Credit card (offered by banking institutions, commercial enterprises and
individual retail stores. Consumers make purchases on credit and if payment
is made within a stipulated period of time, no interest is charged);
 Collection (an account whereby an original creditor transfers an unpaid,
delinquent balance to a collection agency to retrieve any monies owed);
 Charge-off (is the declaration by a creditor that an amount of debt is unlikely
to be collected)
 Authorized user accounts may not be considered in the credit score and credit
reputation analysis unless the applicant provides documentation that they have
made payments on the account for the previous 12 months prior to

application. 


Indicators of unacceptable credit.




 Foreclosure within 3 years:
 Including pre-foreclosure activity, such as a pre-foreclosure sale or short sale
in the previous 3 years\
 Bankruptcy within 3 years:
 Chapter 7 bankruptcy discharged in the previous 3 years;
 An elapsed period of less than 3 years, but not less than 12 months, may
be acceptable if the applicant meets the criteria of Section 10.8 of this
Chapter.
 Chapter 13 bankruptcy that has yet to complete repayment (repayment plan in
progress) or has completed payment in the most recent 12 months.
 Plans that are completed for 12 months or greater do not require a credit
exception in accordance with Section 10.8;
\



Kentucky USDA  Home Loan Mortgage Insurance Costs

One of the upside of the USDA home loan is the fact that there’s an upfront guarantee fee that the borrower must pay. It is currently set at 1.0% of the loan amount, and .35% monthly mi premium called the annual fee, which is much cheaper than FHA and Conventional loans on lower credit scores. 
This can be financed into the loan amount so it’s paid off over time, as opposed to upfront out-of-pocket at closing. And if the USDA guarantee fee is financed the LTV can exceed 100%.

Refinancing a Kentucky USDA Home Loan

It’s also possible to refinance an existing USDA home loan into another USDA loan, and actually quite easy thanks to a streamlined program that doesn’t require an appraisal, credit report, or a debt-to-income calculation.
The only requirement is that you must have been current on your mortgage for the past 12 months, and it must lower your interest rate by at least 1%. 
There is also a non-streamlined USDA refinance option that requires an appraisal to gain approval, but allows you to roll closing costs into the new loan.

Kentucky Rural Housing USDA Home Loan Frequently Asked Questions

Do I need to make a down payment on a USDA home loan?
No, you can obtain 100% financing with a USDA loan, which is the main draw of the program. The only other government housing loans that provide zero down financing are VA mortgages.
What credit score do I need to get a USDA loan?
You need a 640 credit score to get an automated approval for a USDA loan, but some lenders will go to 581 with expensive pricing adjustments. If you have bad credit, you may want to take a hard look at your credit history and clean it up as much as possible before applying.
Do I need two years of job history to get approved for a USDA loan?
Not necessarily. If you’re new to the workforce or returning after a reasonable and explainable absence and likely to continue working it may be permitted.
Can I get a USDA loan if I’m self-employed?
Yes, but you’ll need to provide two years of tax returns to ensure it is stable and in the same line of work.
Are USDA mortgage rates high or low?
They’re generally pretty low relative to conventional mortgage rates (Fannie and Freddie) and pretty close to FHA mortgage rates. If an FHA 30-year fixed is 4.5%, the USDA 30-year fixed rate might be 4.5%. In other words, they’re low and competitive.
But you have to factor in the upfront and monthly mortgage insurance premiums as well.
Additionally, USDA loan rates can’t be more than 1% above the current Fannie Mae yield for 90-day delivery for 30-year fixed rate conventional loans. This regulates how high the rate can be based on the market average.
What loan types are available via the USDA loan program?
Just the 30-year fixed. No adjustable-rate mortgages and no other fixed products are available. Additionally, balloon mortgages and interest-only mortgages aren’t permitted, nor are prepayment penalties.
Can you buy a condo with a USDA home loan?
Yes, but it must be on the approved list from Fannie/Freddie, the FHA, or VA, and it must be located in a rural area.
Can I get a USDA loan on a second home or investment property?
No, USDA loans are only available on owner-occupied primary residences.
Can I get cash out via a USDA loan?
No, only rate and term refinances are available, along with purchase financing.
Can I roll closing costs into a USDA loan?
Yes, as long as the property appraises for more than the purchase price and the DTI isn’t exceeded as a result. You can also use seller concessions or a lender credit to cover closing costs.
Is there mortgage insurance on a USDA loan?
It’s technically called a guarantee fee, and includes both an upfront fee at closing (that can be financed) and a monthly fee that is ongoing.
!
How long does it take to get a USDA loan in Kentucky?
Like all other mortgages, it depends on your specific scenario, but the USDA loan approval process does require an extra step in sending the loan to the USDA for final approval. They basically check the lender’s work before they allow them to fund the loan. This step can add an extra few days to few weeks (or more) onto your closing date, so beware!

On average it takes 30-45 days to close a USDA loan in Kentucky, so about the same as any other government-backed mortgage loan like FHA, VA KHC etc. 

Kentucky USDA Rural Housing Map Below:👇 Click on link below to see if the home is located in a Rural Housing Area.


Text/call 502-905-3708
kentuckyloan@gmail.com
http://www.nmlsconsumeraccess.org/

If you are an individual with disabilities who needs accommodation, or you are having difficulty using our website to apply for a loan, please contact us at 502-905-3708.


Disclaimer: No statement on this site is a commitment to make a loan. Loans are subject to borrower qualifications, including income, property evaluation, sufficient equity in the home to meet Loan-to-Value requirements, and final credit approval. Approvals are subject to underwriting guidelines, interest rates, and program guidelines and are subject to change without notice based on applicant's eligibility and market conditions. Refinancing an existing loan may result in total finance charges being higher over the life of a loan. Reduction in payments may reflect a longer loan term. Terms of any loan may be subject to payment of points and fees by the applicant  Equal Opportunity Lender. NMLS#57916http://www.nmlsconsumeraccess.org/