We get this questions a lot; "Can I refinance into a USDA Rural Housing loan?" and the answer, 9 out of 10 times, is no. Unless your current loan is a Guaranteed Rural Housing loan or a USDA Section 502 Direct loan, you cannot refinance into the program.

If you have a USDA loan now, you can refinance with or without an appraisal and with a guarantee fee of only 0.50%. See below for additional USDA refinance information.

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