Every refinance option for a USDA home loan, compared
Choosing a USDA refinance lender
Compared
USDA guaranteed refinances are made by approved private lenders, and not every lender offers every option. USDA Rural Development lists approved lenders by state. Ask each lender which USDA refinance types it offers and get a Loan Estimate for the option you want.
Last reviewed against the primary sources listed below.
Ask each lender
- Which USDA refinance types do you offer?
- Do you require an appraisal for this option?
- What documents do you need?
Option questions
Can any lender do a USDA refinance?
Only USDA-approved lenders, and offerings vary.
Where do I find USDA-approved lenders?
USDA Rural Development lists them by state.