Single Family Housing Programs
Single Family Housing Programs provide
homeownership opportunities to low- and moderate-income rural
Americans through several loan, grant, and loan guarantee programs.
The programs also make funding available to individuals to finance
vital improvements necessary to make their homes decent, safe, and
sanitary. Visit the following site for a complete overview:
Single Family Housing Programs
Information for Realtors
Information for Builders
January 9, 2015
Implementation of New Rural Eligibility
December 16, 2014, President Barack Obama signed into law
H.R. 83, the Consolidated and Further Continuing
Appropriations Act, 2015 (Act), which provides fiscal year
2015 full-year appropriations through September 30, 2015,
for all agencies except the Department of Homeland Security.
With the signing of this Act, Rural Development will
implement the eligibility maps in accordance with the
Agricultural Act of 2014, Pub. L. 113-79 (“Farm Bill”) on
February 2, 2015.
This change will
affect only those areas where the population exceeds 35,000
and/or any city which was ineligible prior to 1990 has
annexed new areas. If the city is not addressed below and is
currently ineligible on the USDA, Rural Development property
eligibility website, it will remain ineligible (see
The new rural
area maps are published under “Future Eligible Areas” on the
Property and Income Eligibility website (http://eligibility.sc.egov.usda.gov/eligibility/welcomeAction.do)
will become effective on Monday, February 2, 2015 (barring
Congressional action that extends current eligible areas).
A “complete” loan guarantee
request (application) received by the RHS, prior to February
2, 2015, will not be subject to the new rural area
designations/maps that become effective on February 2, 2015
(barring Congressional action that extends current eligible
areas). These applications will remain subject to
current eligibility maps.
A "complete" loan guarantee
request received by the RHS, on or after February 2, 2015,
will be subject to the new rural area designations/maps.
Ineligible Areas (effective February 2, 2015
NEW REGULATION, TECHNICAL HANDBOOK AND
RESPECTIVE FORMS PUBLISHED: 7 CFR Part 3555
On December 1,
2014 the 7 Code of Federal Regulations (CFR) Part 3555,
“Single Family Housing Guaranteed Loan Program” (SFHGLP)
became effective, replacing 7 CFR 1980 Subpart D. The
Regulation, Technical Handbook, and respective Forms can be
found at the
Development's Regulation and Guidance
CFR Part 3555 sets forth policies for the SFHGLP. It
addresses the requirements of Section 502(h) of the Housing
Act of 1949, as amended, and includes policies regarding the
origination, servicing, holding and liquidation of SFHGLP
loan applications received by USDA on or after December 1,
2014 are subject to the requirements of 7 CFR 3555.
and Servicing training sessions have been recorded and can
be found at
respectively. Future training opportunities will be
announced through electronic Listserv notifications.
Should you have any
questions, please contact the Single Family Housing
Guaranteed Loan Division at 202-720-1452 or the Centralized
Servicing Center at 866-550-5887.
Information for Applicants:
Information for Lenders:
Guaranteed Loan File Reviewing Status
Georgia Rural Development's typical turn time for conditional
commitments is 3-10 business days from the date the complete file is
received from the lender.
All Files (GUS Accept, GUS Full Doc, GUS
Refers, Manuals and Refi’s) for origination should be emailed to
Read your GUS Findings. Submit required documentation
All Loan Note Guarantee requests (closing
files) should be emailed to
We are currently receiving 20 to 30 files per day to review and
process. NO rush request will be accepted. The files are reviewed in
date/time order the complete file is received. The person within
your company that sends the origination package will get a
confirmation email of the date/time the package was accepted by
Rural Development. You can then determine where your file is in the
review line based on the current day we are reviewing (posted in red
below). Please keep the phone calls/emails to RD for the underwriter
only. Continuous update request through email/phone calls takes away
from the review time and delays review time for your file as well as
other files. Thanks for your business, patience and understanding.
On Friday, January 23, 2015: We are currently
reviewing files received on
January 12, 2015.
You can also call 706-546-2169 x1 if this site has not
been updated to check current turn times. Our normal turn time is at least
10 business days from the date we received the complete application.
Holidays and other circumstances may extend our current turn times.
Guaranteed Documents for Lenders
Guarantee Fee and Annual Fee Info:
How do I
start as a Lender
GA Income Limits:
GUS User Guides:
access to GUS Guide