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USDA Loan Eligible Rural Areas in Kentucky Counties including the cities of Bardstown, Ky, Elizabethtown, Shepherdsville, Shelbyville, Frankfort, Burlington, Nicholasville, and Independence Northern Kentucky Have Changed effective October 1, 2013 will no longer be eligible for USDA and Rural Housing Guaranteed Loans or Direct loans!
Home buyers in Kentucky planning to use the USDA Rural home loan programwith zero down payment financing upcoming boundary changes that will cause many current USDA eligible rural areas to no longer qualify beginning October 1, 2013.
Beat the Oct. 1, 2013 Deadline for Kentucky USDA Loan Approval
To qualify for financing under the current 2010 USDA eligibility map, you need to have your complete loan application submitted before September 30, 2013 and obligated before December 31, 2013.
You Can Still Refinance a USDA Loan
Current home owners who have a Kentucky USDA loan will be able to refinance their Kentucky USDA loan under the Kentucky USDA Streamline Refinance Pilot program even if they are no longer in an eligible area, but you still need to meet the county income guidelines.