Every refinance option for a USDA home loan, compared
Refinancing a USDA direct loan
Compared
USDA refinance options can include direct loan borrowers moving into a guaranteed loan through an approved lender, subject to program rules. Payment assistance on a direct loan may be affected. Contact your servicing office and a lender before deciding.
Last reviewed against the primary sources listed below.
Ask
- Servicing office about assistance.
- Lender about eligible options.
Option questions
Can I refinance a USDA direct loan into a guaranteed loan?
Possibly, under program rules.
Will I lose payment assistance?
It may be affected; ask first.