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Welcome to the Rural Development, Rural Housing Service, Home Loans Web site. As a part of USDA Rural Development, our mission is to be a cost-effective service provider that strives to help homeowners and their families remain successful homeowners throughout the term of the loan.
Our home loans
are serviced by the Customer Service Center (CSC), located in St. Louis, Missouri. The CSC services mortgage loans and grants to individuals in rural areas throughout the United States, Puerto Rico, American Samoa, Virgin Islands and the Pacific Trust Territories.
If you would like information about obtaining a home loan with Rural Development, contact your local service center.
If you have an account with us and you would like to view your mortgage account information, you must first obtain a USDA level 1 Customer ID and Password, which you can do by registering below.
If you already have a USDA level 1 or level 2 Customer ID and Password, you can Login below.
Important Information for Existing Borrowers
Due to a nationwide paper shortage, some customers may not receive a return envelope in their billing statements. Customers can make their payment using the
Interactive Voice Response system or visit our website at RD Home Loans. If you choose to mail your payment, please use the RD payment address
listed on your coupon. We apologize for the inconvenience.
USDA, Rural Development (RD) recently received reports of homeowners receiving letters offering special assistance through the Home Affordable Modification Program (HAMP)
and Making Home Affordable trial programs for loans that are delinquent.
The letter provides a payment plan and asks the customer to complete a form to be faxed or mailed which contains private information (social security number, signature).
Do not respond to this inquiry, this is not a legitimate request. If you receive a suspicious call or letter regarding your RD home loan do not
follow the instructions and call us at 1-800-414-1226 to speak to a representative. If you suspect you have been a victim of identity fraud you should contact your local authorities.
We apologize for any inconvenience this may cause.
Regular hours are from 7 a.m. to 5 p.m. Monday through Friday Central Time (CT).
If you are impacted by COVID 19 Rural Development may be able to assist you. Please call 1-800-414-1226, have your account number and last four digits of your social security number available and follow the prompts to speak to a representative or retrieve account information.
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Payment Assistance: If your household income has decreased and you do not think you can
make your mortgage payment, call us and ask for a Payment Assistance package. We will
review the information you provide and determine if you are eligible for payment assistance or
for more assistance than you currently receive.
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Mortgage (Payment) Forbearance Guidance:
Borrowers who experience financial hardship due, directly, or indirectly, to the COVID-19 emergency may request and be granted an initial forbearance
until the COVID-19 emergency ends. The initial forbearance period may be up to 180 days and the borrower may request an extension of up to an additional 180 days.
Borrowers who received an initial CARES Act forbearance before June 30, 2020, may be granted up to two additional three-month payment forbearances.
The borrower must request each extension individually.
During the forbearance options outlined above, no accrual of fees, penalties or interest may be charged to the borrower beyond the amounts calculated as if the borrower
had made all contractual payments in a timely fashion.
- American Rescue Plan Act (ARPA) of 2021 - Refinance Existing Borrowers Following COVID-19 Moratorium (or Self-Help borrowers whose permanent loan closed on or after 10/1/2019)
ARPA provided additional funds for Section 502 and 504 direct borrowers, to remain available until September 30, 2023.
- Beginning May 17, 2021, the Agency is accepting applications from existing Section 502 and Section 504 direct loan borrowers, to refinance outstanding loans which have been in an approved COVID-19 moratorium.
- Beginning February 14, 2023, the Agency is accepting applications from Self-Help program borrowers with permanent loans that closed on or after 10/1/2019, regardless of moratorium status; and may also be eligible for the Deferred Mortgage Payment program.
- Please see the links below for the application package, and fact sheet with more information:
At a minimum, your adjusted household income must be at or below:
- The applicable moderate-income limit for the area if you have a Section 502 direct loan, or
- The applicable very low-income limit for the area if you have a Section 504 home repair loan.
- The applicable very low-income limit for Self-Help borrowers whose permanent loan closed on or after 10/1/2019.
• Note: The adjusted household income limit must be at or below the
applicable very low-income limit to be eligible for the Deferred
Mortgage Payment program.
Section 502 and Section 504 direct loan borrowers applying for refinancing will not be subject to: credit analysis (other than delinquent federal debt),
standard repayment ratio requirements, asset limit, or program standards related to the condition of the property.
Available terms for Section 502 loans are 10, 25, 30, or 33 year (in limited circumstances, a 38-year term may be available);
available term for Section 504 loans is 20 years. Closing costs can be included in the loan.
Applicants may submit the application directly to the local Rural Development office or elect to work with a loan application packager.
- State Office locations can be found at:
https://rd.usda.gov/about-rd/state-offices.
- For assistance in locating a loan application packager in your area, visit:
https://www.rd.usda.gov/sites/default/files/RD-SFH-IntermediaryMap.pdf.
A loan application packager ensures that applications are complete and provide all supporting documentation needed for the Agency's decision and can
provide insight into the Agency's application process and regulation. Packagers may charge a fee for their services,
which must be disclosed to you and which is due only if the loan closes. This fee can be included in the loan.
The USDA Customer Service Center (CSC) recently received reports of customers being contacted by someone claiming to be a CSC representative offering a special rate to bring delinquent accounts current for a fee. The caller asks the fee be paid by use of a prepaid credit card or other methods of payment that are difficult to stop or track.
Please note the USDA CSC does not accept credit cards as a form of payment. If you receive a suspicious call regarding your loan payment do not follow the instructions and call the CSC at 1-800-414-1226 to speak to a representative. If you suspect you have been a victim of fraud you should contact your local authorities.
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