Category: USDA /Rural Housing Loan Offices in Ky

Understanding USDA Loan Appraisal Requirements


Kentucky USDA Loan Guide

Kentucky USDA Appraisals: What to Expect (and What Can Trigger Repairs)

USDA appraisals follow FHA minimum property standards to confirm value and ensure the home is safe, sound, and move-in ready.

Key point

The USDA appraisal is completed by an FHA-approved appraiser and must follow FHA property requirements. The report typically includes language substantially similar to:

“The subject meets minimum standards as set under guidelines established by the U.S. Department of Housing and Urban Development and indicated in Handbook 4000.1.”

How the USDA appraisal works

  1. Appraiser inspects the property and determines market value.
  2. If the home has property deficiencies, the appraisal is issued “subject to” repairs.
  3. Repairs are completed and the appraiser performs a re-inspection.
  4. Appraiser signs off once repairs meet minimum standards.

Common property deficiencies that can delay closing

  • Chipped or peeling paint
  • Missing handrails on stairs or guardrails on decks
  • Non-working lights, exposed wiring, or uncovered junction boxes
  • Inoperable HVAC, plumbing leaks, or non-working water heater
  • Utilities not turned on at time of appraisal (water/electric/heat)

Bottom line: USDA is designed for homes in move-in condition, not fixer-uppers.

What FHA/USDA appraisers typically review

General health and safety

  • Foundation or structural defects
  • Working utilities: water, sewer/septic, heat, electricity
  • Paint hazards (especially pre-1978 peeling paint)
  • Incomplete renovations
  • Water damage or moisture concerns
  • Access for vehicles/emergency access
  • External hazards and excessive noise
  • Missing handrails/guardrails

Exterior

  • Roof condition and leaks
  • Damaged siding or holes
  • Doors that don’t open/close properly
  • Gutters, chimney, porches, stairs, railings
  • Fencing issues that create safety concerns
  • Swimming pool safety/code (if applicable)

Interior and systems

  • Each room has working electricity
  • Bedroom egress (window or exterior door)
  • Kitchen: typical conveyed appliances and working sink
  • Bathrooms: working fixtures and ventilation
  • Crawlspace/basement: moisture or standing water
  • Heating and plumbing: operable with no major leaks

Repair escrow note (important)

A limited repair escrow option may be available through select USDA lenders. If you think repairs may be required, tell me before you write the offer so we can align the lender strategy up front and avoid avoidable delays.

Appraisal vs home inspection

An FHA/USDA appraisal is not a full home inspection. Buyers should still obtain an independent home inspection to evaluate overall condition, components, and long-term maintenance risks.

Equal Housing Lender. NMLS #57916 | Company NMLS #1738461.

This content is for educational purposes only and is not a commitment to lend. Loan approval is subject to credit, underwriting, and program guidelines.

As with all loan programs, the USDA Loan requires that an independent appraiser inspect the subject property in order to determine the property value. Specific to a USDA Loan, the appraisal report will be conducted by an FHA approved appraiser. The appraisal report must include verbiage or similar verbiage:

“The subject meets minimum standards as set under guidelines established by the U.S. Department of Housing and Urban Development and indicated in Handbooks 4000.1”

No different from a FHA or VA appraisal inspection, the appraiser is required to document all property deficiencies that preclude the appraiser from signing off on their report. A property deficiency is any defect to the house that the appraiser deems necessary to have repaired to ensure compliance to the loan program guidelines. Typical examples of property deficiencies include:

  • Chipped and peeling paint
  • Missing handrails on stairs and railing on decks
  • Lights not working properly and wires hanging out of the electrical box
  • Non-working heating and cooling systems and plumbing
  • Houses that do not have utilities turned on

If a property has deficiencies, the appraiser will determine the value of the property, but state that their report is subject to the property defects listed being corrected. After the property defects are repaired, the appraiser will re-inspect the property, and signoff if the required repairs have been completed.

Bottom line, the USDA Loan program is designed to finance homes that are in move-in condition, not fixer-uppers. However, on a subsequent email I will review an option to establish a repair escrow account to address certain property deficiencies. The repair escrow account is only available through one of my many USDA lenders, so it is imperative to inform me when making an offer a house if this option will be required.

Kentucky USDA appraisals

Kentucky USDA appraisals can take home buyers by surprise. That’s why we’ve put together some good-to-know info about the process. Feel free to use this to help educate your clients. 

The property must pass an FHA appraisal, so USDA and FHA have the same appraisal requirements, which determines the current market value and makes sure the house meets certain safety standards. Here is a list of items an FHA appraiser may look for:

General Health and Safety

  • Foundation or structural defects
  • Whether the utilities (water, sewage, heat, and electricity) all work
  • Chipped or peeling paint in homes built before 1978
  • Incomplete renovations
  • Water damage
  • If the property is accessible to vehicles, especially emergency vehicles
  • Exposed wiring and uncovered junction boxes
  • Whether the house is too close to outside hazards, such as a leaking oil tank or a waste dump
  • Excessive noise, such as being close to an airport
  • Missing handrails

Exterior

  • Leaky or defective roof and holes in the siding
  • Leaning or broken fencing 
  • Doors that don’t properly open or close
  • Condition of gutters, chimney, stairs, railings, and porches
  • If swimming pools are up to code 

Every Room

  • Whether each room has electricity
  • Whether each room has a window or door to the exterior to be used as a fire escape

Kitchen

  • Missing or broken appliances usually sold with a home, including stove and refrigerator
  • Broken or leaking sink

Bathrooms

  • Broken or leaking toilet, sink, or tub/shower
  • No ventilation (either an exhaust fan or window)

Crawl space or basement

  • Basement moisture
  • Evidence of past or present standing water

Heating and Plumbing

  • Inoperable HVAC
  • Major plumbing issues and leaks

These are some common items an FHA appraiser looks for, but other issues that might make a house unsafe could keep it from passing. An FHA appraisal is not the same as an independent home inspection. It’s still a good idea to get a separate home inspection to make sure you’re making a wise investment! 

USDA APPRAISAL REQUIREMENTS FOR KENTUCKY MORTGAGE LOANS

Kentucky USDA Home Loan Guide: Qualifying Criteria Explained


The Kentucky Rural Housing  USDA home loan program offers an excellent opportunity for eligible homebuyers in rural and suburban areas of Kentucky to secure affordable financing with no down payment. To qualify, applicants must meet specific requirements related to credit score, income, work history, bankruptcy, foreclosure, debt-to-income ratio, property requirements, and mortgage insurance. Here’s a detailed guide to help you understand these qualifications:

Credit Score Required For Kentucky Rural Housing Approval

No minimum credit score but a 580 to  640 is generally required to qualify for a USDA loan. This score allows for streamlined processing through the Guaranteed Underwriting System (GUS). Applicants with scores below 640 may still qualify but will need to undergo manual underwriting, which requires additional documentation and scrutiny.

Income Requirements for Kentucky USDA Rural Housing Approval

USDA loans have income limits that vary by county and household size. These limits are designed to ensure the program assists low- to moderate-income families. Generally, your household income should not exceed 115% of the median income for your area. The USDA provides an online tool to check income eligibility based on your location and household size.

Work History requirements for Kentucky USDA loan Approval 

A stable work history is essential for Kentucky  USDA loan approval. Lenders typically look for at least two years of consistent employment. Any gaps in employment need to be explained and documented. For self-employed applicants, a minimum of two years of tax returns is required to verify income stability.

Kentucky USDA Rural Housing Bankruptcy and Foreclosure Guidelines

While past financial difficulties like bankruptcy or foreclosure can affect your eligibility, they do not automatically disqualify you. Here are the typical waiting periods:

  • Chapter 7 Bankruptcy: At least three years from the discharge date.
  • Chapter 13 Bankruptcy: At least one year of the payout period must be completed with satisfactory payment history and court approval for a new loan.
  • Foreclosure: At least three years from the completion date.

Kentucky USDA Debt-to-Income Ratio (DTI) Requirements

The Kentucky USDA loan program has specific DTI requirements to ensure borrowers can manage their mortgage payments. The front-end ratio (housing expenses) should not exceed 29% of your gross monthly income, and the back-end ratio (total monthly debt obligations) should not exceed 45%. Exceptions can be made for borrowers with compensating factors, such as higher credit scores or additional cash reserves.

Kentucky USDA Property Requirements

USDA loans are intended for properties in designated rural areas. The USDA provides an online tool to check property eligibility. The home must be used as the primary residence and meet certain quality standards according to Kentucky FHA Appraisal HUD Guidelines  including:

  • Adequate and functional heating, plumbing, and electrical systems
  • Structurally sound foundation and roof
  • Safe water supply and waste disposal systems
  • Must have an undamaged exterior, foundation and roof
  • Must have safe and reasonable property access
  • Must not contain loose wiring and exposed electrical systems
  • Must have all relevant utilities, including gas, electricity, water and sewage functioning properly.
  • Must have a working, permanent heating system that can heat the property adequately
  • Must have surfaces free of chipping or peeling lead-based paint
  • Must have adequate access to attic spaces and natural ventilation in crawl spaces
  • Must have access to potable water
  • Must be free from wood-destroying insect infestations
  • Must not have interior and exterior health and safety hazards, such as no handrails on steep staircases
  • Must be a marketable property

Mortgage Insurance Required For Kentucky USDA loan Approval

Kentucky Rural Housing USDA loans require mortgage insurance, which includes an upfront guarantee fee and an annual fee. The upfront fee is typically 1% of the loan amount, which can be financed into the loan. The annual fee, usually 0.35% of the loan balance, is paid monthly as part of the mortgage payment. These fees help protect lenders and the USDA in case of borrower default.

 

Qualifying for a USDA home loan in Kentucky involves meeting specific criteria in several areas: Credit Score: No Minimum score but a 620-640 for streamlined processing; lower scores may require manual underwriting down to 580 with some lenders but few and far between Income Requirements: Must not exceed 115% of the median income for your area. Work History: At least two years of stable employment. Bankruptcy and Foreclosure: Waiting periods of 1-3 years depending on the situation. Debt-to-Income Ratio: 29% for housing expenses, 41% for total debt; exceptions possible. Property Requirements: Must be in a designated rural area and meet quality standards. Mortgage Insurance: Includes an upfront guarantee fee and an annual

Summary

Qualifying for a USDA home loan in Kentucky involves meeting specific criteria in several areas:

  • Credit Score: No Minimum score but a 620-640 for streamlined processing; lower scores may require manual underwriting down to 580 with some lenders but few and far between
  • Income Requirements: Must not exceed 115% of the median income for your area.
  • Work History: At least two years of stable employment.
  • Bankruptcy and Foreclosure: Waiting periods of 1-3 years depending on the situation.
  • Debt-to-Income Ratio: 29% for housing expenses, 41% for total debt; exceptions possible.
  • Property Requirements: Must be in a designated rural area and meet quality standards.
  • Mortgage Insurance: Includes an upfront guarantee fee and an annual fee.

By understanding and meeting these requirements, you can take advantage of the USDA loan program to achieve homeownership in Kentucky’s rural areas. For personalized assistance, consider consulting with a mortgage broker or lender experienced in USDA loans, like Joel Lobb in Louisville, who can guide you through the process and help you qualify.

Joel Lobb
Mortgage Broker – FHA, VA, USDA, KHC, Fannie Mae
EVO Mortgage • Helping Kentucky Homebuyers Since 2001
📞 Call/Text: 502-905-3708
📧 Email: kentuckyloan@gmail.com
🌐 Website: www.mylouisvillekentuckymortgage.com
🏠 Address: 911 Barret Ave, Louisville, KY 40204
NMLS #57916 | Company NMLS #1738461
Free Info & Homebuyer Advice →
Kentucky Mortgage Loan Expert
FHA | VA | USDA | KHC Down Payment Assistance | Fannie Mae
Equal Housing Lender. This is not a commitment to lend. All loans are subject to credit approval and program requirements.
Featured Post

Kentucky Mortgage: Minimum Credit Score Requirements Explained


Minimum Credit Score Requirements for a Kentucky Mortgage Loan Approval Loan

Here are the most common loan programs and their general guidelines on credit scores:

FHA Loans in Kentucky
FHA mortgage loans are issued by federally qualified lenders and insured by the U.S. Federal Housing Authority, a division of the U.S. Department of Housing and Urban Development. These loans are an attractive option for many borrowers, not just first-time homeowners.

FHA loans are available to borrowers with credit scores as low as 500. Borrowers with scores under 580 will need to have a 10% down payment.

VA Loans In Kentucky 
VA Loans are designed to offer long-term financing to American Veterans. These loans are issued by federally qualified lenders and are guaranteed by the United States Veterans Administration. The Veterans Administration determines eligibility and issues a certificate to qualifying applicants to submit to their mortgage lender of choice.

The Veterans Administration does not set a minimum credit score; however, lenders do impose their own limits. Some lenders will go down to a 500 credit score and will also do loans for borrowers without a credit score.

Conventional Loans In Kentucky
Conventional loans are mortgage loans offered by private lenders that are not guaranteed or insured by a government agency. These loans may also be referred to as conforming loans.

Conventional loans are available to borrowers with credit scores as low as 620.

USDA Loans in Kentucky
The United States Department of Agriculture offers a home loan program designed to help individuals living in small towns or rural areas. This loan program is designed to help qualifying applicants, who may not be able to qualify for other types of mortgage loans, purchase homes as their primary residences.

USDA Guaranteed loans are available to borrowers with credit scores as low as 581 and borrowers with no credit scores.

A note for Borrowers with No and Low Credit Scores
While it’s not impossible to qualify for a home loan with a low credit score or no credit score, it does make it harder to qualify. If you have a low credit score or you do not have a credit score, lenders will look more critically at other risk factors that you may have. This includes recent late payments, collection accounts, the amount of funds you have saved up, employment history and the time at your current job, etc.

If you do not have a credit score, it means that the credit bureaus do not have enough information about you to give you a score. While there are some options available to borrowers without a credit score, most lenders will require that you provide proof of payment history on “alternative trade lines”. These are lines of credit or utilities that do not report to the credit bureaus, such as rent, cell phone, electric, cable/internet, car insurance, etc. Acceptable “alternative trade line” accounts must meet certain criteria. The account must be in your name, it must be 12 months old, every payment must have been made on time every single month, and proof of payment must be provided on the creditor’s letterhead.

GETTING APPROVED WITH LOW OR NO CREDIT SCORES
You are more likely to be approved with low or no credit scores if you:

Make a larger down payment than is required.
Have sufficient reserves in checking and/or savings accounts.
Have low debt-to-income ratios, which is the percentage of your income that needs to be used towards paying your proposed mortgage and other lines of credit such as auto loans, student loans, credit cards, etc. Paying down existing debt will improve your debt-to-income ratio.

The best part about credit scores is that they aren’t set in stone! It’s never too late start working on improving your credit. If our team can’t pre-approve you today, we’ll come up with a custom plan to help you get to where you need to be. There’s nothing to lose, so apply today!

Joel Lobb  Mortgage Loan Officer NMLS 57916

EVO Mortgage
911 Barret Ave, Louisville, KY 40204
Company NMLS ID # 173846

Text/call: 502-905-3708

email: kentuckyloan@gmail.com

http://www.mylouisvillekentuckymortgage.com/

NMLS 57916  | Company NMLS #173846
The view and opinions stated on this website belong solely to the authors, and are intended for informational purposes only. The posted information does not guarantee approval, nor does it comprise full underwriting guidelines. This does not represent being part of a government agency. The views expressed on this post are mine and do not necessarily reflect the view of my employer. Not all products or services mentioned on this site may fit all people.
NMLS ID# 57916, (http://www.nmlsconsumeraccess.org).

I can answer your questions and usually get you pre-approved the same day. 


Call or Text me at 502-905-3708 with your mortgage questions.

Email Kentuckyloan@gmail.com



Kentucky Mortgage Broker Offering FHA, VA, USDA, Conventional, and KHC Down Payment Assistance Home Loans's avatarLouisville Kentucky Mortgage Loans

via Credit Scores for Kentucky Mortgages

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USDA Loans in Kentucky: New Income Thresholds Explained


USDA Loans in Kentucky

What is KY USDA Rural Development Guarantee in Kentucky?

Kentucky USDA Rural Development Guarantee USDA loans offer 100% financing options on home purchases in rural areas.  Properties though can be located within city limits and in subdivisions depending on population density of that area.
The RDG loan program is primarily used to help low to moderate income individuals or households to purchase homes and the applicants need to be within 115% of the median income for the area. Most Kentucky Counties are 90,300  for a household family incomes of four or less, and up to $119,200 for a family of five or more in the household income
Some highlights of the are:
  • 100% financing on purchases and 100%  Zero Money Down
  • Low 30 year fixed rates on all loans. They don’t offer any other terms or offer cash-out refinancing.
  • A small Rural Housing monthly guarantee fee or sometimes called annual fee of .35% of the loan amount divide by 12 months to get total monthly mi payment.
  • Upfront Rural Housing funding fee of 1% of the loan amount and is financed into new loan
  • Minimum credit scores of 581, but helpful to have 640 and get an automated underwriting approval thru Rural Housing’s underwriting engine – GUS–GUS stands for the Guaranteed Underwriting System to pre-approval all Kentucky USDA loans.
  • No rental verification needed with GUS approval if Approved Eligible Findings.
  • Flexible trade line requirements with GUS approval with only 1 trade line needed on credit for 12 months
  • No foreclosures in the last 36 months, but need explanation if < 36 months
  • Bankruptcy discharged at least 36 months
For a Kentucky USDA Rural Housing  property and income eligibility search, please click HERE.

Issues to avoid or be aware of with Rural Housing property search:

  • Avoid homes with any income producing activities such as working farms, detached buildings with offices or car lifts for auto repairs, or anything else related to income producing activities.

How Long to Close a USDA Loan in Kentucky?


 

USDA Loan Closing Timeline in Kentucky | 30-45 Days Explained

How Long Does It Take to Close on a USDA Rural Development Loan in Kentucky?

Expert guide to USDA loan closing timelines for Kentucky homebuyers

Quick Answer: Most USDA Rural Development loans in Kentucky close in 30 to 45 days. Well-prepared files with clean documentation and early USDA submission can close in under 30 days.

If you’re a first-time homebuyer exploring USDA Rural Development loans in Kentucky, understanding the closing timeline helps you plan your move and set realistic expectations. While USDA loans include an extra approval step compared to FHA or VA loans, the delay is typically minimal—usually just 2 to 3 additional business days when the loan is managed properly.

Why USDA Loans Include an Extra Approval Step

Unlike conventional, FHA, or VA loans, USDA Rural Development loans require two approval stages before closing.

In the first stage, your lender completes full underwriting to verify the loan meets USDA Guaranteed Loan Program guidelines. This underwriting process is similar to FHA or VA loans and includes verification of income, assets, credit, and the property appraisal.

Once your lender issues a final approval, the loan file moves to the second stage: USDA Rural Development review. This centralized review ensures compliance with federal rural lending requirements. In most cases, this review is quick and does not materially delay your closing date.

Kentucky USDA Loan Processing: Production Team Two

Kentucky USDA Rural Development loans are processed by Production Team Two, a centralized team based outside the state. This team handles USDA loans for ten states: Arkansas, Kentucky, Louisiana, Minnesota, Missouri, Mississippi, North Dakota, Nebraska, New Jersey, New York, and Oklahoma.

Production Team Two Contact:
SFHGLPTWO@usda.gov

Production Team Two typically operates on a 2 to 4 business day review cycle. However, timelines can vary based on loan submission volume and seasonal demand. During peak homebuying seasons (spring and summer), review times may extend slightly, while slower periods may see faster approvals.

Current USDA Turn Times for Your Loan

The USDA publishes live updates showing which loan submissions they are currently reviewing. This real-time data is the most accurate way to monitor processing timelines for Kentucky USDA loans.

→ View Current USDA Guaranteed Loan Turn Times

These updates help lenders optimize submission timing and give borrowers realistic closing estimates based on current workload.

What Causes Delays in USDA Loan Closing?

Most USDA loans close on schedule when documentation is complete and submitted correctly. However, common causes of delays include:

Incomplete Income Documentation: Missing W-2s, tax returns, pay stubs, or verification letters often require back-and-forth communication and can add 5–7 days.

Appraisal Issues: If the property appraises below the purchase price or has condition issues, renegotiation or repairs may be required before closing.

Credit or Employment Changes: Any significant credit inquiry, new debt, job change, or employment gap discovered during underwriting requires explanation and may trigger additional review.

Seasonal Volume Spikes: During peak buying seasons, USDA production teams experience higher submission volumes, which can extend review times by a few business days.

Pro Tip: Submit complete, accurate documentation upfront. Have your lender submit your loan to USDA as soon as lender approval is issued. Early submission often means your loan is in queue when USDA begins their next review cycle, speeding up the overall timeline.

Can USDA Loans Close in Under 30 Days?

Yes—while not guaranteed, a clean file with complete documentation, early USDA submission, and no appraisal conditions can close in under 30 days. This typically requires:

All income and asset documentation submitted with the initial application, a property appraisal with no issues or conditions, no employment changes or credit inquiries during underwriting, and early submission to USDA immediately after lender approval.

If these conditions are met, some Kentucky borrowers have closed USDA loans in 25–28 days.

USDA vs. FHA vs. VA Closing Timelines

While USDA loans do take slightly longer than FHA or VA loans, the difference is minimal:

FHA Loans: 30–40 days (no extra federal review step)

VA Loans: 28–38 days (VA review is faster and often parallel to underwriting)

USDA Loans: 30–45 days (includes two approval stages, but second stage is typically quick)

In practice, the 2–3 day difference rarely impacts your ability to meet contract deadlines, especially if your lender submits to USDA early.

Bottom Line: USDA Loan Closing Timeline in Kentucky

USDA loans in Kentucky are not slow—they are simply structured differently. The extra approval step is built into the process and, when managed correctly, adds minimal delay.

When income, assets, and credit are documented properly and the appraisal is clean, most Kentucky USDA homebuyers close within standard 30–45 day timelines. The deciding factors are early submission and strong file preparation.

Frequently Asked Questions About USDA Loan Closing Times

How long does a USDA loan take to close in Kentucky?

Most USDA loans in Kentucky close in 30 to 45 days. Clean files with early USDA submission can close in under 30 days.

Do USDA loans take longer than FHA or VA loans?

Yes, but typically only by 2–3 business days. USDA loans require an additional final review by Rural Development after lender approval, while FHA and VA loans may not have the same secondary approval step.

Which USDA team handles Kentucky loans?

Kentucky USDA loans are processed by Production Team Two, which serves ten states. They typically operate on a 2–4 business day review cycle.

What causes the most delays with USDA loans?

Incomplete documentation, appraisal issues, credit changes, and seasonal volume spikes are the most common causes of delays. Submitting complete paperwork upfront and early USDA submission help avoid these delays.

Can I track my USDA loan approval status in real time?

Yes. The USDA publishes live turn time updates at rd.usda.gov, showing which submissions they are currently reviewing.

Does Kentucky have slower USDA turn times than other states?

No. Kentucky is handled by the same Production Team Two as nine other states, and turn times are consistent across all ten states—typically 2–4 business days.

What’s the fastest USDA loan I’ve heard of closing in Kentucky?

Some well-prepared files have closed in 25–28 days. This requires complete documentation, a clean appraisal, and early submission to USDA, but it’s achievable.

About the Author

Joel Lobb is a Kentucky-based mortgage loan officer with over 20 years of experience helping first-time homebuyers and families refinance through USDA, FHA, VA, KHC, and Fannie Mae programs. With down payment assistance still available through KHC, Joel specializes in making homeownership accessible to Kentucky families. Reach out for a free consultation and same-day approval.

📧 Email: kentuckyloan@gmail.com | 📞 Call/Text: 502-905-3708

Licensing: NMLS Personal ID: 57916 | Company NMLS ID: 1738461 | Equal Housing Lender

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USDA Loan Closing Timeline

Kentucky Homebuyers: What to Expect

1
Application & Pre-Qual
Days 1-3
2
Lender Underwriting
Days 4-14
3
Lender Approval
Days 15-20
4
USDA Review
Days 20-24
5
Clear to Close
Days 25-45

Loan Program Closing Times Compared

USDA Loans

30-45 Days
Includes USDA Production Team review (2-4 business days extra)

FHA Loans

30-40 Days
Faster federal review process

VA Loans

28-38 Days
Parallel VA review speeds approval

⚠️ Common Delay Factors

📄 Incomplete Docs Missing W-2s, tax returns, or pay stubs
🏠 Appraisal Issues Low appraisals or property conditions
💳 Credit Changes New inquiries or unexpected debt
🏢 Employment Changes Job changes during underwriting
📊 High Volume Peak season delays (spring/summer)
📝 Request for More Info Lender or USDA questions

✓ Speed Up Your USDA Closing

📋
Submit Complete Docs
Have everything ready from day one
⚡
Early USDA Submission
Submit immediately after lender approval
✔️
Clean Appraisal
No property conditions or repairs needed
📞
Stay Responsive
Answer lender questions immediately
💰
Avoid Credit Changes
No new debt or inquiries during process
🎯
Know Your Timeline
Check USDA turn times regularly

Need Help With Your USDA Loan?

Expert Kentucky Mortgage Specialist

📞 502-905-3708 | 📧 kentuckyloan@gmail.com

NMLS ID: 57916 | Equal Housing Lender