Have questions or want to learn more about qualifying for a loan? We’re happy to help!

USDA 502 Direct Loans in Kentucky & Beyond

Do you have good credit but limited income and aren’t sure if you can qualify for a home loan? Are you in need of safe housing? Ask us about the USDA 502 Direct Loan, which is tailor-made for borrowers just like you.


Who It’s For

The USDA 502 Direct Loan is designed for homebuyers who have good credit but a limited income. With this program, which helps subsidize payments, you can get 100% financing for a USDA-eligible home in a rural area.

The Advantages

A Safe, Sanitary Home

You won’t have to worry that the home you’re living in is putting you in danger.

Payment Assistance

You’ll get help paying your mortgage every month with funds that subsidize your loan.

No Down Payment

100% financing is available to most applicants that qualify. Additional terms apply.

Your Home. Your Way.

Buy an existing home or have one built just the way you like. It’s up to you.

Eligibility at a Glance

Do you:

  • Have a credit score of at least 640 (or three alternative credit trade lines)?
  • Are without adequate housing but able to afford mortgage payments, including taxes and insurance (typically within 22% to 26% of your income)
  • Plan to occupy the home as your primary residence?
  • Meet the minimum income requirement and aim to purchase a home in a qualified area (you can check both by visiting the USDA website)

Then you may be eligible for a USDA 502 Direct Loan!

Take Your First Step

Does a USDA 502 Direct Loan sound like an amazing opportunity to own your own home? Fill out an application today!


Helpful Tools

First-Time Home Buyers

Not sure where to begin? Follow our step-by-step guide and you’ll be in your new home in no time.


How much home can you afford? Run the numbers with our handy loan calculators.


Have questions about getting a loan? We’re happy to help! Get answers to the most common questions.


Words From Our Happy Homeowners

“The entire process was wonderful. Great staff, always helpful. Simply a great experience.”

Dondi S

First Time Home Buyer

What We’re About

We’re a Kentucky mortgage lender that believes everyone deserves safe and affordable housing. Our overarching mission is to uplift communities throughout Central Appalachia and beyond, and we know that begins with ensuring everyone has a place to call home.


There’s a Loan for Everyone


USDA 502 Direct Loans

Do you have good credit but a limited income and want to live outside the city? Check out the USDA 502 Direct Loan.


USDA Guaranteed Loans

Are you interested in living in a rural area, and your income is moderate? Ask us about USDA-guaranteed loans.


FHA Loans

Need flexibility for your credit score and a lower down payment? Take a look at the popular FHA loan.


Conventional Loans

Do you have a solid credit score and are looking for great rates and options? Consider a conventional loan.


VA Loans

  • Are you a U.S. military member or veteran? Find out how you can buy a home with no money down.

Specialty Programs

Do you have a unique situation? We offer a range of flexible loan programs to fit your needs.


Take the First Step

As the saying goes—nothing ventured, nothing gained. A few clicks today and you’ll be on the path to your new home!