Kentucky USDA Rural Housing Mortgage Lender

USDA Zero-Down Is Back No Down Payment Rural & Suburban Kentucky Low Monthly Payment NO PMI Apply in 60 Seconds Call/Text 502-905-3708 Apply Now Complete your application in minutes using the link below. Click or call today with your Kentucky USDA Mortgage Questions? 502-905-3708 call or text Joel Lobb, Mortgage Broker FHA, VA, KHC, USDA NMLS 57916 | Company NMLS 1738461 Call/Text 502-905-3708 Email: kentuckyloan@gmail.com Apply Now

USDA Loan Program Reopens | New 29% PITI Rule for Kentucky Buyers USDA SFH Guaranteed Loan Program Fully Reopens — New PITI Guidelines & What Kentucky Homebuyers Need to Know (November 2025) The USDA Single-Family Housing Guaranteed Loan Program (SFHGLP) is officially back to normal operations following the end of the federal government shutdown. Funding is available, Conditional Commitments are being issued, and lenders can now move USDA files forward again. However, USDA has also implemented a major guideline change that impacts borrower eligibility. USDA Is Fully Operational Again USDA Rural Development has resumed full operations and is processing new Guaranteed Underwriting System (GUS) submissions, Conditional Commitment requests, and Loan Note Guarantee (LNG) requests. Because of the recent shutdown, USDA is working through a significant backlog. Turn times may be slower than usual, and rush requests cannot be accommodated. Important: Loans must not close before ...