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

USDA Guaranteed Loans in Kentucky & Beyond

Aren’t sure if you can qualify for a home loan? Buy an existing home, have one built for you, or purchase a plot of land in rural Kentucky and build your dream—even if you’re credit-challenged and have a limited income. It’s all possible with the USDA Guaranteed Loan.


Who It’s For

If you prefer the quiet rural life to the hustle and bustle of the city, then a United States Department of Agriculture (USDA) Guaranteed Loan is a great option. It’s designed for those with limited income and a lower credit score and can provide you with 100% financing for a home in an eligible rural area.

The Advantages

Low Interest Rates

Save money with a lower interest rate than what you would get with an FHA or conventional home loan.

No Down Payment

Buy a home with no down payment! Available for qualified homebuyers under the USDA loan.

Qualify with a Low Credit Score

Qualify for a USDA Guaranteed Loan, even if you have a less-than-perfect credit score.

Low Origination Fee

Pay a fee of just 2% of the total loan amount and roll it into your mortgage if you like.

Eligibility at a Glance

Do you:

  • Have a credit score of at least 580?*
  • Meet an income requirement that doesn’t exceed 115% of the median household income?
  • Plan to occupy the home as your primary residence?
  • Have U.S. citizenship, or are a U.S. non-citizen national or Qualified Alien?

Then you may be eligible for a USDA Guaranteed Loan! Learn more about eligibility requirements on the USDA website.

*Minimum credit score requirement may vary by investor.

Take Your First Step

Does a USDA Guaranteed Loan sound like a great fit for you and your family? Do you meet the eligibility requirements? Start your 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!