Trish Cousins, Finance & Loan Analyst

Lender and Partner Activities Branch

Washington, D.C. 

USDA Single Family Housing 

Guaranteed Loan Program 

Overview - 101
Training Agenda

Single Family Housing Guaranteed Loan Program (SFHGLP) 

USDA Rural Development and Program 

Mission

SFHGLP Highlights and Benefits

Program Eligibility

Loan Terms and Conditions

Applicant Eligibility

Income Analysis

Credit Analysis

Ratio Analysis 

Property And Appraisal Requirements

Special Property Types

USDA Rural Development and Program 

Mission

SFHGLP Highlights and Benefits

Program Eligibility

Loan Terms and Conditions

Applicant Eligibility

Income Eligibility

Credit Eligibility

Ratio Analysis 

Property Requirements & 

Special Property Types

GUS
Over 70 USDA Programs!

Single-Family Housing

Multi-Family Housing

Electric

Telecommunications

Community Facilities

Water & Environmental

Business & Cooperative

Most programs are administered by state and 

local offices. Location map: 

https://rd.usda.gov/contact-us/state-offices
Single Family Housing Direct Loan and Grant Program

• Serves low to very low-income rural 

homebuyers – Below 80% of Median 

Household Income for the area

• Assists homebuyers in obtaining 

adequate, modest, decent, safe, & 

sanitary dwellings 

• Assists homeowners with repairs for 

safety and sanitary purposes in rural 

communities.

* Locate the closest office to your customer at: https://rd.usda.gov/contact-us/state-offices
Partnership

Private lender partnerships are the 

key to the success of this program.

Approved lenders are responsible 

for originating, underwriting, 

servicing and liquidating loans.

Lenders ensure all program 

requirements are met and 

underwriting procedures are followed.
SFHGLP Goals

Serve low- and moderate-income 

rural homebuyers

Assist homebuyers in obtaining 

adequate, modest, decent, safe, & 

sanitary dwellings 

Guarantee sound loans, which 

otherwise would not be made
Homebuyer Benefits

NO credit score requirement. Alternative 

credit allowable.

Buy existing, build new, or refinance current 

Rural Development loan.

30-year fixed rate that is negotiated 

between the applicant and lender. (No 

rate caps).

No down payment with financing up to 

100% of the APPRAISED value plus the onetime upfront guarantee fee.

No maximum purchase price limits. Based 

solely on applicant’s repayment ability.

Gift and grant funds allowed. Down payment 

assistance allowed & No CLTV! 

Seller/Interested party concessions allowed 

up to 6%.

No set acreage limits. Must be typical for the 

area and not income producing. NOT limited to First Time Home Buyers.
Lender Benefits

USDA provides lender credits for 

Community Reinvestment Act

Reduced risk to lender due to 90% loan note 

guarantee

Originating lenders may retain or sell 

servicing rights

Premium pricing on secondary market due 

to low delinquency rate

Streamlined application process through 

automated underwriting system 

Outstanding training resources are available: 

self-paced online or personalized virtual 
Program Eligibility
10

Eligibility Requirements

Determination of Applicant Eligibility

Property located in an eligible rural area?

Total Household Income Within Program Limits? 115% of Median income

Applicant is a U.S. citizen, non-U.S. citizen w/a valid SS number, or 

qualified alien? New change in GovDelivery notice dated 3/7/2023 

extends guidance regarding Non-US Citizens.

Loan amount is supported by appraised value?

Ability to meet monthly obligations and repay the loan?

Does the applicant qualify for traditional credit? 
Applicant Eligibility

HB-1-3555, Chapter 8 
Unable to Secure Conventional Credit

Assets

Has personal 

non-retirement 

liquid asset 

funds of at least 

20%

Resources

Can pay all 

closing costs 

(plus the 20% 

down) 

associated with 

the loan

Ratios

Meets qualifying 

ratios of no 

more than 28% 

PITI and 36% TD 

when applying 

the 20% down 

payment

Credit

Demonstrates 

qualifying credit 

for such a loan

Loan Terms

Conventional 

loan is 30-year 

fixed rate loan 

without PMI

Certification

Lender and 

applicant certify 

applicant is not 

eligible for 

conventional 

credit by signing 

the 3555-21
Suspended or Debarred = Not eligible

Lender must screen the applicant and parties to 

the transaction on the “System for Award 

Management” (SAM) website

Must be within 30 days of loan closing

7 CFR 3555.151(g) and HB-1-3555, 8.2E

Not Having a Suspension or Debarment
Sam.gov

GUS 

“Additional Data”
Retain documentation in permanent case file

7 CFR 3555.151(b) and HB-1-3555, 8.2F 

Having Acceptable Citizenship or 

Immigration Status

Applicant must be a U.S. citizen, a U.S. noncitizen national, or a qualified alien Effective 

5/20/2022

Non-US citizens 

with a valid SSN 

and valid 

Employment 

Authorization 

Document are 

eligible.

UPDATE
Retaining a Dwelling

Primary 

Residence

The applicant 

will occupy the 

home financed 

with the 

guaranteed loan 

as their primary 

residence

Documentation

Document 

permanent loan 

file. Agency may 

request to view 

documentation.

Financially 

Qualified

The applicant is 

financially 

qualified to own 

more than one 

house

No Longer 

Meets Needs

The current 

home owned, 

whether 

adequate or 

inadequate, no 

longer meets the 

applicants’ 

needs

Examples:

• Relocation due to 

a new job 

opportunity

• Requires a larger 

home to provide 

for a growing 

family

• Obtaining a 

divorce and the exspouse will retain 

the dwelling

• Is a non-occupying 

co-owner or coborrower on 

another mortgage 

loan and wants to 

purchase their 

own dwelling

Only 1 RD Loan

Not financially 

responsible for 

another Agency 

guaranteed or 

direct home loan
Principal residence throughout the 

term of the loan

Must occupy the home within 60 

days of loan closing

• Active-duty military applicants must occupy 

as their principal residence

• Student applicants must intend to make the 

home a permanent residence. Reasonable 

expectation of securing employment in the 

area 

Occupy the Property

Adequate dwelling The dwelling 

must be modest, decent safe and 

sanitary. 

Modest is defined as a new or 

existing dwelling that a low- or 

moderate-income borrower can 

afford based on their 

repayment ability. The property 

must not be primarily designed 

for income producing activity.
Income Eligibility

HB-1-3555, Chapter 9 
19

Applicant Eligibility

Income Eligibility

• At the time of loan approval, the Adjusted 

Household Income must not exceed the 

applicable moderate-income limits.

• Lender is responsible for documenting the 

household income to determine eligibility

• Income limit charts available online on USDA 

SFH Guaranteed Loan Program webpage: SFH 

Guaranteed Loan Program 
https://eligibility.sc.egov.usda.gov/eligibility/welcomeAction.do

USDA Eligibility Site
Types of Income

Annual 

Income

Adjusted 

Annual 

Income

Repayment 

Income

Income of all adult household members, not just 

parties to the note.

Stable and dependable income used to calculate debt 

ratios.

Annual income minus certain qualified household 

deductions.
Include

Income of all adult household members, including 

benefits received on behalf of minors.

The first $480 of earned income from adult full-time 

students who are not the applicant, co-applicant, 

or spouse of an applicant.

IRS transcripts required for all adult household 

members (except full-time students). Lender must 

obtain and review prior to closing.

Assets: Include income from cumulative household 

non-retirement assets of $50,000 or greater.

Annual Income
Annual Household Income

Include ALL sources of income for ALL adult household members

Review income documentation

Types of income earned and its history

• Salary/Hourly

• Overtime/Bonus/Commission

• Self Employed

• Social Security/Child Support/Unemployment

History of each earning type

Consider the time of year the applicant applies
• Refer to HB-1-3555, “Attachment 9-

A”, for guidance on income that is 

included and excluded from the 

annual income calculation 

• Expiration of Credit Documents

− No more than 120 days old on 

the date the note is signed

Annual Household Income
Exclude

Lump Sum or Sporadic Payments

Section 8 Housing Vouchers

Student Loans 

SNAP Benefits

Unreimbursed Employee Expenses

Annual Income: Exclusions
• Adjusted Annual Income

− Refer to HB-1-3555, “Attachment 9-A”, 

Pages 23 – 24 for information on applicable 

deductions such as :

 Dependents

 Child Care Expenses

 Elderly Household

 Care of Household Members with 

Disabilities

 Medical Expenses

− Child support payments or private school 

tuition are NOT eligible deductions

Adjusted Annual Household Income
Adjusted Annual Income

If Income Limit is $110,650

Gross Annual Income $117,000 

3 children x $480 - $ 1,440

Subtotal $115,560

Childcare Expenses

$500/month x 12 - $ 6,000

Adjusted Income = $109,560
• Applicant

• Co-applicant(s)

• Stable and dependable income 

to repay the mortgage debt

• Co-signers are not permitted

INCOME OF 

LOAN 

APPLICANT(S) 

ONLY

Repayment Income
Required 

History

6 Months: Court Ordered - Child Support, Separate Maintenance/Alimony

1 Year History: Base Wages, Expense Allowances, Bonus, Commission, 

Employee Fringe Benefits, Military, Overtime, Part-time, Tips 

2 Year History: Capital Gains, Dividends, Interest, Rental Income, 

Schedule K-1, Seasonal, Self-Employment, Unemployment

Ineligible: Boarder Income, Non-Occupant Borrower, Less than 3 years 

remaining

(See HB-1-3555, Attachment 9-A for more inclusive list)

Repayment Income
Stable and

Dependable Lenders are responsible for analyzing gaps and will make the 

final determination of stable and dependable income

Caution should be used for an applicant with a sharp increase or 

decrease in earnings (generally defined as 20 percent or greater)

The income source must be documented

There must be evidence to support the historical receipt of 

earnings

Repayment Income
Tax Exempt Income

•Income that has been verified as tax 

exempt may be grossed up by 25%

•No other adjustments are authorized

•Do not gross up for annual income

Repayment Income
Streamlined Documentation Full Documentation

1 recent paystub with YTD 

figure

Paystubs covering the most 

recent four weeks of earnings

Written VOE 

(may be electronically 

generated)

Verbal VOE (must be obtained 

within 10 business days of 

closing)

W-2’s for the most recent 

two tax years

Verbal VOE (must be obtained 

within 10 business days of 

closing)

Income Verification Requirements

EMPLOYED INCOME (base, 

overtime, bonus, 

commissions, etc.)

Verify for all adult 

household members 

except full-time 

students.
Trend analysis for the applicant’s business (Recommend use of Fannie 

Mae Form 1084, “Cash Flow Analysis” and Fannie Mae Form 1088, 

“Comparative Income Analysis”)

Confirmation the business is operational within 30 days of loan closing

2-years of signed individual and business tax returns with all schedules 

plus a recent profit and loss statement (not required to be audited)

OR

IRS transcripts with all schedules plus a recent profit and loss 

statement (not required to be audited)

Income Verification Requirements

SELF- EMPLOYED 

INCOME
Credit Eligibility

HB-1-3555, Chapter 10
Credit Eligibility Requirements

Underwriting 

Recommendation

• Credit requirements may 

vary for loans underwritten 

with the assistance of the 

GUS compared to those that 

are manually underwritten.

Overlays

• Lenders and investors may 

impose overlays such as 

minimum credit score 

requirements.

Lender Responsibility

• It is the lender’s 

responsibility to determine 

the creditworthiness of their 

applicant. USDA does not 

underwrite loans. 

Adverse Credit

• In some cases of adverse 

credit, the lender’s 

underwriter can grant credit 

exceptions.

Refer to HB-1-3555, Attachment 10-A for credit guidance.
GUS “Accept”: No credit score validation required

GUS “Refer”, “Refer w/Caution”, and Manually Underwritten 

Files: At least one applicant whose income or assets are used for 

qualification must have at least 2 historical trade line references

No eligible tradelines on the credit report: Non-traditional 

credit must be verified

Credit Score Validation
No present housing expense = 3 tradelines

Present housing expense = 2 tradelines (VOR or housing payment 

verification plus 1 additional trade line)

Trade lines may be open, recently closed and/or paid in full; must 

have 12-month history (Recent = 6 months)

Non-Traditional Credit History
Credit history problems do not always reflect an unwillingness to meet financial 

obligations. 

If the lender believes the applicant is creditworthy, they may make an exception.

Exceptions should only be for situations that are temporary in nature, beyond 

the applicant’s control, and due to the current employment/financial/health of 

the household are unlikely to recur. (i.e. temporary loss of job, illness, etc.)

Credit Exceptions
GUS “Accept” or “Accept Full Documentation”: NOT 

required.

GUS “Refer”, “Refer w/Caution”, and Manually 

Underwritten, required for: Foreclosures, 

Bankruptcies, Deed-in-Lieus, and Short Sales (past 36 

months). One rent or mortgage payment that was 30 

or more days late in the past 12 months.

Credit Exceptions
Credit Exceptions Lender Cannot Waive

Delinquent Court Ordered Child Support: Subject to the collection by an administrative 

offset. Ineligible unless payments are brought current or released of liability.

Delinquent Court Ordered Child Support: Not subject to the collection by an 

administrative offset. Ineligible unless 3 timely payments of repayment agreement have 

been made, arrearage is PIF, or released of liability.

Delinquent Federal Non-Tax Debt: Applicants with delinquent Federal non-tax debt are 

ineligible until the debt is paid in full or a release of liability is documented.

Previous USDA Loss: Only a Rural Development official may grant this exception. The 

applicant and lender must provide a letter of explanation and supporting documentation 

as required in Attachment 10-A. 
Collection Accounts

Review all 

collection 

accounts

If the cumulative total of all non-medical

collections exceeds $2000, the lender must:

Require payment in full of these accounts 

prior to closing

Use an existing repayment agreement 

amount OR

Include 5% of the outstanding balance

A credit exception is not 

required for collection 

account regardless of the 

GUS underwriting 

recommendation.

All open collections must be listed on the Asset and Liabilities GUS page and noted and marked accordingly.
GUS “Accept” File: No verification of rent or mortgage 

required.

GUS “Refer”, “Refer with Caution”, or Manually 

Underwritten: May require a verification of rent or 

mortgage. Refer to GUS Underwriting Findings Report.

Rent History
43

https://www.rd.usda.gov/files/3555-1chapter10.pdf 

Chapter 10, Credit Analysis

Attachment 10-A, Credit 

Matrix

Provides guidance 

regarding agency’s 

requirements for credit 

documentation
Ratio Analysis

HB-1-3555, Chapter 11
PITI

Long-term 

obligations with 

more than 10 

months 

remaining 

Short-term 

obligations that 

are 5% or greater

of monthly 

repayment income

Rental loss

Balloon/deferred 

payments due in 

next 24 months

Ratio Analysis

Principal & 

Interest

Insurance 

Premiums

Annual Fee Taxes

HOA Dues

Special 

Assessments

PITI Total 

Debt

29%

41%
Ratio Analysis

NonPurchasing 

Spouse Debt

Include all NPS debts (unless excluded 

by state law)

Lender must determine if debts may 

be excluded per state statute and cite 

specific statute in permanent loan file

GUS: Manually enter the obligation on 

the “Additional Expenses” on the 

“Assets and Liabilities” page
Ratio Analysis

Student 

Loans

Payment above “0”: Use amount on credit report or 

the actual documented payment.

Payment is “0”: Use 0.50 percent of the outstanding 

loan balance documented on the credit report or 

creditor verification.
Ratio Analysis

Child Support, 

Alimony, and 

Garnishments

Exclude only if applicant has a release of 

liability from the court or creditor and 

acceptable evidence is obtained.

May exclude if 10 or less payments remain, 

and the payment does not exceed 5% of the 

monthly repayment income.

GUS: Manually enter the obligation on the 

“Additional Expenses” on the “Assets and 

Liabilities” page.
Ratio Analysis

Co-signed 

Obligations & 

Business Debts

Include unless evidence is provided showing that 

another party has made successful payments in the 

previous 12 months prior to loan application.

Previous Mortgage: Include in total debt ratio if 

disposed of through a sale, trade or transfer without a 

release of liability.

Divorce Situation: May exclude if Lender obtains legal 

documentation showing the other party was awarded 

the mortgage debt and it has been paid as agreed for 

the past 12 months. 
Additional Guidance

PITI ratio 

cannot exceed 

32% 

Total Debt 

Ratio cannot 

exceed 44%

Credit Score 

must be 680 

or greater

At least 1 

acceptable 

compensating 

factor is 

present

Savings or cash 

reserves of at least 3 

months of PITI 

payments

Employed with their 

current primary 

employer for a 

minimum of 2 years

Debt Ratio Waiver 

GUS files that receive an Accept or Accept Full Documentation 

underwriting recommendation do not require debt ratio waivers. 
Property Requirements and 

Special Property Types

HB-1-3555, Chapters 12 & 13
Property Eligibility

Existing Single Family 

Homes New Construction Townhomes Condominiums (limitations apply)

New Manufactured 

Existing 

Manufactured after 

2006 in some states 

under a pilot program

New or existing 

Modular (treated 

same as site-built)

Duplex – 1 unit
Copyright © 2015 Accenture All Rights Reserved.

Guaranteed Loan Program Qualification 

Property and Income Eligibility

http://eligibility.sc.egov.usda.gov/eligibility/welcomeAction.do

Online Property and Income Eligibility – USDA Website
54

Online Property and Income Eligibility – USDA Website

May enter specific address, use 

zoom bar or double click on the 

state and zoom in for closer view 

of a general area 
55

Online Property and Income Eligibility – USDA Website
56

 No acreage limit

 Property must be predominantly 

residential in design, character, and use

 Must be typical for the area as 

evidenced by the appraisal and the 

comps

Site Size
Income-Producing Buildings

Home based operations such as childcare, 

product sales, or craft production that do 

not require specific features are allowed

Buildings no longer in use for a commercial 

operation and are used for personal 

storage are permitted.

XBuildings designed and used principally for 

income producing purposes are prohibited
Income-Producing Land

• Land that will be used 

principally for income 

producing purposes is 

prohibited

• Personal gardens and hobby 

farms are permitted

• Property must be 

predominantly residential in 

use, character, and appearance
Property Standards. Must meet HUD Handbook 4000.1 MPR and MPS.

Home Inspection. Applicants are encouraged to obtain a detailed home inspection of the 

property independent of the HUD certification.

New Construction. Must be designed and constructed in accordance with certified plans and 

specifications.

Thermal Inspection. Not required for existing homes.

Pest Inspection. Not required unless the lender, appraiser, inspector or State law requires the 

inspection.

Property Requirements - Inspections
Condominiums

• Units are eligible if approved or 

accepted by HUD/FHA, VA, Fannie 

Mae, or Freddie Mac

 Lenders must retain documentation that 

supports the project’s approval or 

acceptance

 Lender will document approval on the 

Uniform Underwriting Transmittal 

Summary or on RD “Attachment 12-B, 

Condo Certification”

Applicants remain responsible to 

obtain individual homeowners 

insurance and/or flood insurance, as 

applicable
Manufactured Homes

• Site development work

• Purchase of eligible unit

− Unit must be NEW (less than 12 

months old and never occupied)

− Pilot Program: Must have been 

constructed on or after January 1, 

2006

• Transportation and set-up costs

• Purchase of site if not already owned 

by applicant

Pilot Program States include Colorado, Iowa, Louisiana, Michigan, Mississippi, Montana, Nevada, New Hampshire, New York, North 

Dakota, Ohio, Oregon, Pennsylvania, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington, West Virginia, 

Wisconsin, and Wyoming.
Combination Construction to Permanent Loan

Highlights

• Lack of affordable housing stock in rural 

America...new construction gives options!

• USDA’s Loan Note Guarantee issued immediately 

after loan closing (before house is built)!

• Single-Close Construction loans save Applicants 

money over older “two-time” closed loans because 

there is only 1 loan closing (& 1 set of loan closing 

costs)!
Lower Out-of-Pocket Costs

A Contingency Reserve up to 10% of purchase 

price may be established from loan funds to 

allow for cost over-runs, and up to 12-months of 

loan payments during construction

!! Loan Note Guarantee at Closing !!

Issued prior to construction and sellable on 

secondary market – attractive to Lenders!

Reduced Risk

To both lenders and builders

Realtor Commission 

Paid at time of closing – prior to 

construction

Two Products Available 

Securitized and Standard Interest Only

One Closing 

Only one loan closing required, saving 

borrower from excess closing costs

Combination Construction to Permanent Loan 

(a/k/a Single-Close-Construction Loan)

Sellable on Secondary Market

Ability to sell immediately after closing on 

secondary market
Guaranteed Underwriting System (GUS)

HB-1-3555, Chapters 5 & 15
65

Utilizing GUS 

(Guaranteed Underwriting System)

All qualifying loans must go through GUS

• Developed to automate process of credit risk 

evaluation of the SFHGLP.

• GUS compliments but does not replace the 

judgement of experienced underwriters.

• Incorporates a modified version of the Federal 

Housing Administration TOTAL score card.

• GUS is not designed to evaluate the 

dependability of repayment income.
Security or Branch 

Administrator

• Imports applications

• Manually enters 

application 

information

• Performs preliminary 

and final submission

• GUS contact for 

organization and 

administers access for 

staff

• Lenders should have 2

Security Administrators

Representative with 

Final Submit Authority

• Imports Applications

• Manually enter 

application 

information

• Certifies the loan has 

been underwritten by 

the lender

• Confirms data is 

accurate and 

consistent with 

lender’s loan file

• Performs preliminary 

and final submission

*Can be at lender or branch level*

Representative

• Imports applications

• Manually enters 

application information

• Preforms preliminary 

submission

*Can be at lender or branch level*

Lender Agent/Broker

• Manually enters loan 

application 

information on behalf 

of a lender through the 

Lender Agent affiliation

• Preforms preliminary 

submission

• Must release control of 

application back to the 

lender user for final 

submission

GUS User Roles

**IF you are a Third Party Originator the 

Approved Lenders you choose to work 

with will assign roles in GUS. As a Direct 

Lender the assigned Security or Branch 

Administrator on staff, will assign roles in 

GUS. **
The GUS notifies Rural 

Development that there is a new 

application to review for 

Conditional Commitment.

NOTIFICATION

Lender uploads required 

documentation based on their 

GUS Underwriting Findings 

Report. 

UPLOAD

Lender’s underwriter requests the 

“Final” submission in the GUS 

once all information and 

documentation has been reviewed 

and verified.

SUBMIT

Rural Development reviews 

request to ensure Regulation and 

Handbook requirements have 

been met.

AGENCY REVIEW

Conditional Commitment or loan 

denial letter issued to Lender.

Lender may close loan once 

Conditional Commitment is issued.

LOAN DECISION ISSUED

Lender (or their agent) inputs 

application into the GUS.

INPUT

Lender Submission Process

**Important note, you have 30 days from Loan Closing to submit your request for your LNG.**
Understanding Submission Types

ACCEPT

• Review “GUS Findings 

Report”.

• Refer to “Loan Origination 

Checklist” (Attachment 15-

A) for Accept Loans.

• Upload documents via the 

GUS in stacking order.

• Find the checklist in the 

LINC Library.

ACCEPT with FULL 

DOCUMENTATION

• Review “GUS Findings 

Report”.

• Refer to “Loan Origination 

Checklist” for Manually 

Underwritten Loans. Not 

all documents will be 

applicable.

• Upload documents via the 

GUS in stacking order.

REFER and REFER with 

CAUTION

• Review “GUS Findings 

Report”.

• Not a reason to deny the 

loan, it needs further 

review.

• Refer to “Loan Origination 

Checklist” for Manually 

Underwritten Loans. 

• Upload documents via the 

GUS in stacking order. No 

need to email anything!
GUS Lender User Guide

GUS LENDER USER GUIDE (usda.gov)
Toolkit
71

HB-1-3555 Lender Webpage

Monitor posted turn 

times daily

Don’t forget to sign up 

for GovDelivery 

updates

SFH Guaranteed Lender | Rural Development (usda.gov)
72

HB-1-3555

GovDelivery

Sign Up for Program 

Updates!

Provides current 

updates on SFH 

Guaranteed Loan 

Program

https://public.govdelivery.com/accounts/USDARD/subscriber/new?qsp=USDARD_25
73

HB-1-3555

https://www.rd.usda.gov/resources/regulations/program-regulations

7 CFR Part 3555

Bookmark It!

Use Ctrl-F to find 

answers quickly!
Copyright © 2015 Accenture All Rights Reserved. 74

HB-1-3555

HB-1-3555 SFH 

Guaranteed 

Loan Program 

Technical 

Handbook

https://www.rd.usda.gov/publications/regulations-guidelines/handbooks
75

HB-1-3555 Training & Resource 

Library 

Provides Training 

and Resources

Bookmark It!

https://www.rd.usda.gov/resources/usda-linc-resource-library 
76

Contact Us

General Program/Scenario Questions: sfhgld.program@usda.gov

By Phone: 833-314-0168, ext. 4

Specific Loan Application Inquiries: 

SFHGLPONE@usda.gov

• AK, AL, AZ, CA, CO, GU, HI, IA, ID, KS, MT, NM, NV, OR, SD, TX, UT, WA, WI, WP, 

WV, WY

SFHGLPTWO@usda.gov

• AR, KY, LA, MN, MO, MS, ND, NE, NJ, NY, OK

SFHGLPTHREE@usda.gov

• CT, DE, GA, IL, MA, MD, ME, MI, NC, NH, RI, SC, VT, WV

SFHGLPFOUR@usda.gov

• FL, IN, OH, PA, PR, TN, VA, VI

By Phone: 833-314-0168, ext. 2

Lender Training & Outreach: sfhgld.lenderpartner@usda.gov 

Lender Approval & Recertification: sfhgld.compliance@usda.gov

By Phone: 833-314-0168, ext. 3

Loan Servicing: sfhglpservicing@usda.gov

Technical Support (GUS): rd.hd@stl.usda.gov

By Phone: 833-314-0168, ext. 5

Technical Support (e-Authentication): eAuthHelpDesk@ftc.usda.gov

Loss Claims: guarantee.svc@stl.usda.gov

Monthly & Quarterly Status Reporting: rd.nfaoc.hsb@stl.usda.gov
77

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