Refinancing a Kentucky USDA Rural Housing Loan.

USDA will allow for a refinance of your USDA Loan to a non-USDA Loan at anytime in the future, without any penalty for doing so. 

However, there are circumstances in which a USDA to USDA Refinance may be beneficial. By refinancing's an existing USDA Loan, homeowners will be able to take advantage of the following USDA Refinance benefits:

  • USDA Refinance available even if the house is worth less than the current mortgage
  • No appraisal report requirement when completing a USDA Refinance of an existing USDA Guaranteed Loan
  • No cash-to-close option for qualified USDA Refinance loan borrowers
  • Can still obtain a USDA Refinance even if the house is no longer in a designated USDA Loan eligible area

USDA Refinance Loans allows homeowners with a USDA Guaranteed or USDA Direct Loan to refinance to obtain a lower interest provided the following guidelines are met:

  • Household income cannot exceed current USDA Loan eligibility requirements
  • On-time mortgage payment history within the last 12 months
  • USDA Refinance loan, excluding the financed upfront USDA Guaranteed Fee, can't exceed the original loan amount

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