11 Things Borrowers Don’t Know About USDA Loans in Kentucky

 If you’re exploring home-ownership options in Kentucky, you will be surprised to learn about the unique benefits of USDA loans. Many refer to USDA loans as a hidden gem in the mortgage world. They offer an incredible pathway to home-ownership, especially for those interested in rural areas. Let’s uncover the top 11 things you need to know about USDA loans and how they work in Kentucky.

1. Most Areas in Kentucky Qualify

While USDA loans are specifically for rural areas, the definition of "rural" can surprise you. In Kentucky, many areas with populations under 35,000 are eligible, which accounts for a significant part of the state. From small towns to suburban outskirts, you may find your dream home qualifies for a USDA loan.

Check USDA property eligibility here.

Looking for a vacation home or rental property? USDA loans are designed strictly for primary residences. You must intend to live in the property full-time to qualify.

2. USDA Loans Are Only for Primary Residences

Looking for a vacation home or rental property? USDA loans are designed strictly for primary residences. You must intend to live in the property full-time to qualify. No rental homes or second homes or AIR BNB 

3. Eligible Property Types Are Diverse

Think USDA loans are just for large farms or ranches? Think again. These loans cover a variety of property types, including:

1. New construction homes
2. Existing single-family homes
3. Manufactured or modular homes
4. Condos and townhouses

This flexibility makes USDA loans a great option for many Kentucky homebuyers.

4. Income Limits Apply

USDA loans aim to help moderate- to low-income households, meaning you can earn too much to qualify. In Kentucky, your household income must not exceed 115% of the area median income. However, allowable deductions, such as childcare expenses, can help adjust your income for eligibility.

Contact a USDA loan specialist to discuss your income eligibility.

5. There Are Two Types of USDA Loans

USDA loans come in two varieties:

• USDA Direct Loan: These loans are meant for very low-income households. They come directly from the USDA and feature longer terms, up to 38 years. They also have lower interest rates.
• USDA Guaranteed Loan: Offered through approved lenders, these loans are backed by the USDA and are available to moderate-income borrowers. A least credit score of 620-640 is typically required.

6. You Can Qualify Even After Bankruptcy or Foreclosure

Financial setbacks like bankruptcy or foreclosure don’t disqualify you from USDA loans forever. Borrowers can qualify:

1. After Chapter 7 bankruptcy: Three years from the discharge date.
2. After Chapter 13 bankruptcy: After 12 months of on-time payments.
3. After foreclosure: Typically, a three-year waiting period applies.

7. USDA Loans Offer Affordable Mortgage Insurance

Unlike conventional loans, USDA mortgage insurance is much more affordable:

1. Upfront fee: 1% of the loan amount (can be financed into the loan).
2. Annual fee: 0.35% of the loan balance.

For example, on a $300,000 loan, your monthly mortgage insurance (MI) cost with a USDA loan is just $87.50. This is significantly lower than traditional private mortgage insurance (PMI) for conventional loans, where monthly premiums can range from 0.45% to 1% of the loan amount, particularly for borrowers with lower credit scores. 

Similarly, FHA loans also come with higher MI premiums, which are determined by loan-to-value (LTV) ratios. Unlike conventional loans, USDA loans provide the same MI premiums for all borrowers, regardless of credit score or LTV ratio, offering more consistency and affordability.

8. Flexible Credit Guidelines

The USDA does not set a strict minimum credit score. However, lenders often require at least a 640 score. This score is needed to qualify for automated approval through the USDA's Guaranteed Underwriting System (GUS). Borrowers with lower scores may still qualify through manual underwriting.

9. You Can Use a Co-Borrower

If you need help meeting income or credit requirements, you can add a co-borrower. However, the co-borrower must live in the home with you and meet the same eligibility criteria. No co-signers or nonoccupant co-borrowers are allowed.

10. No Prepayment Penalties

USDA loans offer freedom when it comes to paying off your mortgage early. Whether you sell, refinance, or make extra payments, there are no penalties or fees for early repayment.

11. USDA Loan Refinancing Rules

You can only refinance a USDA loan if you currently have an existing USDA loan. It’s not possible to refinance a conventional or FHA loan into a USDA loan.

Why Choose a USDA Loan in Kentucky?

With zero down payment requirements, affordable mortgage insurance, and flexible credit standards, USDA loans make homeownership achievable for many Kentuckians. Plus, the expansive eligibility map includes much of the state, giving you more opportunities to find your perfect home.

Start exploring your USDA loan options today with a trusted Kentucky USDA lender.

Check your eligibility and get prequalified now.

The USDA Rural Housing Loan Program, also known as an RHS loan, offers an affordable path to homeownership. It requires zero down payment. This government-backed mortgage program is ideal for low-to-moderate-income families in Kentucky. These families want to purchase a primary residence in eligible rural areas.

In this guide, we’ll walk you through everything you need to know about qualifying for a USDA loan in Kentucky. We will cover the types of loans available, income limits, credit score requirements, and how to apply.

1 -  Email - kentuckyloan@gmail.com 

2.   Call/Text - 502-905-3708

Joel Lobb
Mortgage Loan Officer - Expert on Kentucky Mortgage Loans

 Website: www.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.

Posted by Joel Lobb, Mortgage Broker FHA, VA, KHC, USDA  

Labels: first time buyer kentucky usda, Kentucky 502 Direct Rural Housing USDA Loan Program, Kentucky Rural Housing and USDA Loans, rhs loans ky, USDA's Rural Development Mortgage Program

Location: 10602 Timberwood Cir #3, Louisville, KY

How to get a USDA Rural Housing Loan in Kentucky?

How to Qualify for a USDA Rural Housing Loan in Kentucky 

Are you looking to buy a home in rural Kentucky with no down payment? A USDA rural housing loan could be your path to homeownership. This comprehensive guide covers everything you need to know about qualifying for USDA mortgage loans in Kentucky. It includes information on income limits, credit requirements, and the application process.

In this article, I will walk you through everything you need to know about qualifying for a USDA loan in Kentucky, the types of loans available, income limits, credit score requirements, and how to apply.

 Kentucky RHS USDA loans are a government-backed mortgage program that sponsors zero down payment mortgages for people who are under a certain income threshold (usually $112k to $148k for a household family in Kentucky) and not access to a down payment on their home. Does not have to be first time home buyer and can own another home possibly if current home does not pass the feasibility test for household as far as size and fit for current family--i.e outgrow the home. 

They like to see a stable 2 year work history, does not have to be same job, at least two trade lines for 12 months, and a minimum fico score of 581 or higher. The loans are underwritten through USDA online automated underwriter engine called GUS. Stands for Guarantee Underwriting System. 

Kentucky USDA loan income limits vary by location and household size with a base income-limit for the entire state of Kentucky, 

The Department of Agriculture offers these loans at interest rates below the average mortgage. Although offered through the USDA, this program is not directed at farmers. It is a low-income housing program designed to help non-urban consumers buy houses who otherwise might not qualify for a loan or afford a mortgage. As a result the requirements to qualify for a USDA loan tend to be different, and typically less stringent, than for a traditional bank loan.

Types of USDA Loans in Kentucky.

There are three types of USDA housing loans available in Kentucky:

Kentucky USDA Direct Loan 

These loans are issued directly by the Department of Agriculture and not by a lender. You will deal directly with the local USDA office that represents your location. They're are several USDA offices in Kentucky that service different parts for the Direct USDA loan. This makes them similar to the housing loans offered by the Department of Defense and Veterans Affairs. While direct loans typically offer the best interest rates, sometimes below 1% depending on the applicant and area, they are also highly income-restricted and take months to close usually.  This program is geared toward low- and very low-income households. You cannot get a direct loan without demonstrating that you can't afford any other available terms.

This is sometimes otherwise known as a Section 502 Loan, referring to the code section which created the program.

Kentucky Guaranteed Loans

These loans are issued by banks, mortgage companies, mortgage brokers, credit unions and State Housing Agencies by private lenders but backed by the Department of Agriculture. (This means that the USDA will pay the lender back in the event that you default on the mortgage.) As a result, lenders will issue mortgages to people with lower credit scores than they would otherwise and will do so on more favorable terms. Typically USDA will insure the lender up to 90% of the homes loss so lenders can make the loan with very good protections. For example, if a home was originated a $100k loan amount, and was foreclosed upon for non-payment, then the lender will get up to $90k protection on the losses attributed to the losses incurred by the USDA lender.

Like a direct loan, the guaranteed loan program has income requirements. It is less stringent than direct lending, however. This program targets low income households. This is by far the most popular USDA loan made in Kentucky with over 4000 Kentucky Guaranteed Mortgage loans made annually in Kentucky. 

In both cases the government's involvement means that borrowers pay little, if anything, in the form of a down payment.

Kentucky Housing Grants

In addition to its mortgage program the Department of Agriculture also issues loans and grants to rural residents for home upgrades and repair. As with the direct lending program, the USDA provides these grants to low- and very low-income households. The homeowner must use them to "repair, improve or modernize" the home or "remove health and safety hazards" and must occupy the house; in other words, you cannot get a USDA grant to improve a rental property.

The USDA provides a fact sheet explaining in greater detail what a repair loan is and how to get one.

• A pro rata share of real estate taxes that is due and payable on the property at the time of loan closing. Funds can be allowed for the establishment of escrow accounts for real estate taxes and/or hazard and flood insurance premiums.

• Essential household equipment such as wall-to-wall carpeting, ovens, ranges, refrigerators, washers, dryers, heating and cooling equipment as long as the equipment is conveyed with the dwelling.

Homeowners can check with the agency to find a full list of legitimate expenses, which can include property improvements as well as certain utilities and appliances.

Who Can Get a USDA Loan in Kentucky?

Applicants for a Kentucky Rural Housing USDA loan must meet several criteria.

• You must fall within the program's income limits, typically 115% of the median income for your region or less. The direct loan program requires a considerably lower income threshold than the guaranteed loan program does. As with all federal programs, income thresholds vary by community, household size and household composition.

A good first step before applying is to enter your personal information to see if you qualify for a USDA loan's income limits.>>>>>>> here   http://kentuckyruralhousingusdaloan.blogspot.com/p/guaranteed-housing-income-limits.html

• You must not use the loan for a commercial purpose or farming income from crops, livestock, and other income producing uses. The borrower has to personally occupy the home as permanent resident with no rental intentions for the home.

• You must be a U.S. citizen, national or qualified alien and must be legally able to take on debt

• You must purchase the home in a qualifying rural area. This program does not apply to cities, and the federal government runs no similar program to subsidize urban home ownership. You can search the USDA's map to find qualifying areas. here >>>>>>>>>  http://kentuckyruralhousingusdaloan.blogspot.com/2018/02/usda-eligibility-map-usda-home-loan.html

• You must demonstrate the ability to pay this mortgage. While the criteria for a USDA loan is considerably lighter than with a bank, the agency still requires certain financial metrics. The mortgage payments plus the monthly payments on the credit report cannot exceed 45% of the borrower's gross monthly income.

• You must show your credit score. For a guaranteed loan most banks will require a credit score of at least 620 middle credit score from fico. , since this is the cutoff for the USDA's automatic approval underwriting process called GUS, anything below 640 will get referred to a person at USDA for a manual underwriter. However, this is not a minimum requirement and some banks may choose to proceed anyway.

The direct loan program also requires a score of at least 640 for automatic approval. Again, if you have a lower score or no credit history you may still qualify depending on specific circumstances and if you can show a history of on-time bill payment through paperwork such as rent and utilities.

USDA Direct Loan Specific Requirements

In addition to the above, the direct loan program adds the following requirements.

• You must not currently have "decent, safe and sanitary housing."

• You must have been unable to find a loan from other sources on terms that you could reasonably meet.

• You must buy a home that is 2,000 square feet or less with a market value no greater than the area's loan limit

1 -  Email - kentuckyloan@gmail.com 

2.   Call/Text - 502-905-3708

Joel Lobb
Mortgage Loan Officer - Expert on Kentucky Mortgage Loans

 Website: www.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.

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#57916 http://www.nmlsconsumeraccess.org/

-- Some products and services may not be available in all states. Credit and collateral are subject to approval. Terms and conditions apply. This is not a commitment to lend. Programs, rates, terms and conditions are subject to change without notice. The content in this marketing advertisement has not been approved, reviewed, sponsored or endorsed by any department or government agency. Rates are subject to change and are subject to borrower(s) qualification.

The USDA Rural Housing Loan Program, also known as an RHS loan, provides an affordable path to homeownership with zero down payment. This government-backed mortgage program is ideal for low-to-moderate-income families in Kentucky who want to purchase a primary residence in eligible rural areas.

In this guide, we’ll walk you through everything you need to know about qualifying for a USDA loan in Kentucky, the types of loans available, income limits, credit score requirements, and how to apply.

Louisville Kentucky Mortgage Lender for FHA, VA, KHC, USDA and Rural Housing Kentucky Mortgages: Kentucky FHA Loan Program

Louisville Kentucky Mortgage Lender for FHA, VA, KHC, USDA and Rural Housing Kentucky Mortgages: Kentucky FHA Loan Program: FHA Loan Requirements in Kentucky Navigating the process of securing an FHA loan in Kentucky can be made simpler with the right information....

Kentucky USDA Rural Housing Eligibility Map for 2025

Property Eligibility Map for USDA Loans in Kentucky

The USDA Property Eligibility Map helps you determine if a specific address or area qualifies for a USDA loan. Eligible properties are typically located in rural or suburban areas as defined by the USDA.

1. Visit the Kentucky USDA Eligibility Map below and put in the address
2. Enter your desired address or explore eligible regions in Kentucky.
3. Check the eligibility status for your property to ensure it meets USDA guidelines.

Kentucky USDA Property Eligibility Map enter address below: 👇👇👇👇 Kentucky Rural Housing USDA Loans

1. Adair   2. Allen   3. Anderson   4. Ballard   5. Barren   6. Bath   7. Bell   8. Boone   9. Bourbon   10. Boyd   11. Boyle   12. Bracken   13. Breathitt   14. Breckinridge   15. Bullitt   16. Butler   17. Caldwell   18. Calloway   19. Campbell   20. Carlisle   21. Carroll   22. Carter   23. Casey   24. Christian   25. Clark   26. Clay   27. Clinton   28. Crittenden   29. Cumberland   30. Daviess   31. Edmonson   32. Elliott   33. Estill   34. Fayette (county is completely ineligible)   35. Fleming   36. Floyd   37. Franklin   38. Fulton   39. Gallatin   40. Garrard   41. Grant   42. Graves   43. Grayson   44. Green   45. Greenup   46. Hancock   47. Hardin   48. Harlan   49. Harrison   50. Hart   51. Henderson   52. Henry   53. Hickman   54. Hopkins   55. Jackson   56. Jefferson (county is completely ineligible)   57. Jessamine   58. Johnson   59. Kenton   60. Knott   61. Knox   62. Larue   63. Laurel   64. Lawrence   65. Lee   66. Leslie   67. Letcher   68. Lewis   69. Lincoln   70. Livingston   71. Logan   72. Lyon   73. McCracken   74. McCreary   75. McLean   76. Madison   77. Magoffin   78. Marion   79. Marshall   80. Martin   81. Mason   82. Meade   83. Menifee   84. Mercer   85. Metcalfe   86. Monroe   87. Montgomery   88. Morgan   89. Muhlenberg   90. Nelson   91. Nicholas   92. Ohio   93. Oldham   94. Owen   95. Owsley   96. Pendleton   97. Perry   98. Pike   99. Powell   100. Pulaski   101. Robertson   102. Rockcastle   103. Rowan   104. Russell   105. Scott   106. Shelby   107. Simpson   108. Spencer   109. Taylor   110. Todd   111. Trigg   112. Trimble   113. Union   114. Warren   115. Washington   116. Wayne   117. Webster   118. Whitley   119. Wolfe   120. Woodford

Kentucky USDA Property Eligibility Map 2025: Find Eligible Properties for USDA Loans in Kentucky

Are you searching for a home in Kentucky that qualifies for a USDA Rural Housing Loan? The first step is to use the USDA eligibility map. This determines if a property meets the criteria for financing under this program. With the 2025 updates, the time is perfect. You can now explore how to secure your dream home with no money down.

What is the USDA Eligibility Map?

The USDA map helps potential homebuyers. It allows them to determine whether a property is located in a USDA-eligible area. The USDA Rural Housing Loan program supports homeownership in rural and suburban areas. It offers loans with competitive interest rates. There are no down payment requirements.

To check if a property qualifies, simply enter the address into the USDA eligibility map tool below.

👇👇👇👇
Access the USDA Eligibility Map Here

Understanding USDA Loan Property Eligibility in Kentucky

In Kentucky, USDA loans are available in a variety of rural and suburban areas. The map updates for 2025 ensure that eligible properties remain in regions that align with USDA guidelines. Certain metropolitan counties like Fayette (Lexington) and Jefferson (Louisville) are typically ineligible. However, many other areas throughout Kentucky qualify for USDA financing.

Here’s what you need to know:

1. Non-Hyperlinked Counties are Fully Eligible: The list below shows counties where most or all properties qualify.
2. Ineligible Counties: Larger metropolitan areas often fall outside eligibility boundaries.

USDA Property Eligibility: Full County List for Kentucky

Kentucky USDA Property Eligible Counties Include:

• Adair, Allen, Anderson, Ballard, Barren, Bath, Bell, Boone, Bourbon, Boyd, Boyle, Bracken, Breathitt, Breckinridge, Bullitt, Butler, Caldwell, Calloway, Campbell, Carlisle, Carroll, Carter, Casey, Christian, Clark, Clay, Clinton, Crittenden, Cumberland, Daviess, Edmonson, Elliott, Estill, Fleming, Floyd, Franklin, Fulton, Gallatin, Garrard, Grant, Graves, Grayson, Green, Greenup, Hancock, Hardin, Harlan, Harrison, Hart, Henderson, Henry, Hickman, Hopkins, Jackson, Jessamine, Johnson, Knott, Knox, Larue, Laurel, Lawrence, Lee, Leslie, Letcher, Lewis, Lincoln, Livingston, Logan, Lyon, Madison, Magoffin, Marion, Marshall, Martin, Mason, Meade, Menifee, Mercer, Metcalfe, Monroe, Montgomery, Morgan, Muhlenberg, Nelson, Nicholas, Ohio, Oldham, Owen, Owsley, Pendleton, Perry, Pike, Powell, Pulaski, Robertson, Rockcastle, Rowan, Russell, Scott, Shelby, Simpson, Spencer, Taylor, Todd, Trigg, Trimble, Union, Warren, Washington, Wayne, Webster, Whitley, Wolfe, Woodford.

Kentucky USDA Property Ineligible Area Counties and Cities in Kentucky:

1. Fayette County (Lexington)
2. Jefferson County (Louisville)
3. Bowling Green (Warren County)
4. Paducah (McCracken County)
5. Boone, Kenton Campbell Counties -Northern Parts near Cincinnati Ohio and the Ohio River
6. Richmond, KY
7. Hopkinsville, KY
8. Radcliff, KY
9. Mount Washington, KY
10. Ashland, KY
11. Owensboro, KY
12. Henderson, KY
13. Georgetown, KY
14. Frankfort, KY

Joel Lobb (NMLS#57916)
Senior  Loan Office

Text/call 502-905-3708
kentuckyloan@gmail.com

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/

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Understanding Kentucky USDA Home Loan Approval Guidelines in 2025

If you're looking to buy a home in Kentucky and considering a USDA loan, understanding the approval guidelines is crucial. The USDA (United States Department of Agriculture) offers loans specifically designed for rural and suburban homebuyers with favorable terms. Here's a comprehensive look at what you need to know about credit score requirements, income criteria, work history, debt ratio considerations, bankruptcy and foreclosure history, down payment expectations, mortgage insurance, income limits, and the USDA's Guaranteed Underwriting System (GUS) and manual underwriting process.

Kentucky USDA home Credit Score Requirements

For a Kentucky USDA home loan approval, credit scores are a significant factor. While USDA loans are known for accommodating lower credit scores compared to conventional loans, having a good credit history can still be advantageous. Generally, a minimum credit score of 640 is required for automated approval through GUS. However, lower scores may be considered with compensating factors or manual underwriting down to a 580 credit score.

Kentucky USDA home income Criteria

Your income plays a crucial role in USDA loan approval. The USDA considers both your gross income and your adjusted income, which accounts for deductions like taxes and child support. The income limits vary by county and household size, and they're designed to ensure the loan benefits those with moderate incomes in rural areas.

Kentucky USDA home Work History

Stable employment and a consistent work history are important for USDA loan approval. Lenders typically look for at least two years of steady income from the same job or field.

Kentucky USDA home Debt Ratio Considerations

Your debt-to-income (DTI) ratio is another key factor. Generally, lenders prefer a DTI ratio of 31% to 34% on the front-end ratio and  41% to 45% on the backend ratio or lower, although higher ratios may be considered with compensating factors such as excellent credit or significant cash reserves.

Kentucky USDA home Bankruptcy and Foreclosure History

Having a bankruptcy or foreclosure in your past doesn't automatically disqualify you from a USDA loan. However, there are waiting periods after these events, typically ranging from three to seven years, depending on the circumstances and loan type.

Kentucky USDA home Down Payment Expectations

One of the major benefits of a USDA loan is the option for zero down payment. This can make homeownership more accessible, especially for first-time buyers or those with limited savings.

Kentucky USDA home Mortgage Insurance

Unlike FHA loans that require upfront and ongoing mortgage insurance premiums (MIP), USDA loans have an upfront guarantee fee and an annual fee. The upfront fee can be rolled into the loan amount, and the annual fee is divided into monthly payments. 1% upfront and .35% monthly for life of loan. 

Kentucky USDA home Income Limits

USDA loans have income limits based on the area's median income. These limits vary by county and household size and are designed to ensure the program benefits those with moderate incomes in rural areas. see chart here 👉 USDA income limits in Kentucky 

Kentucky USDA home Guaranteed Underwriting System (GUS) and Manual Underwriting

The USDA's Guaranteed Underwriting System (GUS) is an automated system that evaluates loan applications. It assesses credit, income, and other factors to determine eligibility. However, if your application doesn't receive automated approval through GUS, manual underwriting is an option. Manual underwriting involves a more detailed review of your financial situation and compensating factors that can offset weaknesses in your application.

In conclusion, a Kentucky USDA home loan offers a path to homeownership with favorable terms, including zero down payment options and flexible credit requirements. Understanding the guidelines for credit scores, income, work history, debt ratios, bankruptcy and foreclosure history, down payments, mortgage insurance, income limits, and underwriting processes can help you navigate the application process more confidently and increase your chances of approval.

--

Joel Lobb  Mortgage Loan Officer

Text/call: 502-905-3708

email: kentuckyloan@gmail.com

http://www.mylouisvillekentuckymortgage.com/

NMLS 57916  |

The view and opinions stated on this website belong solely to the authors, and are intended for informational purposes only. The posted information does not guarantee approval, nor does it comprise full underwriting guidelines. This does not represent being part of a government agency. The views expressed on this post are mine and do not necessarily reflect the view of my employer. Not all products or services mentioned on this site may fit all people.
NMLS ID# 57916, (www.nmlsconsumeraccess.org).