USDA Loan Vs. FHA loan pro & con Lancaster, Garrard County, KY

In 2025, USDA loan limit in Lancaster, county of Garrard, KY is $336,500 while FHA limit is $472,030 for a single-family home.

Use Lendersa® USDA loan calculator to compare today's USDA VS FHA best rates and determine the Income, credit, reserves, and documents needed to qualify. With our advanced mortgage calculator, you see the USDA, FHA, Conforming, and VA side by side to help you decide which program in is best for your particular financial situation.

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USDA and FHA loan options in Lancaster, KY

Lendersa®' goal is to get you the best possible USDA loan or FHA loan fast and without hassle. Select one of three starting points that result in matching lenders and the USDA loan programs.

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What is USDA Loan in Kentucky?

USDA home loan is a loan guaranteed by the government Department of Agriculture AKA USDA rural development loan or USDA mortgage and is available in rural neighborhoods only. Unlike FHA loans that require a minimum of 3.5% down payment, the USDA mortgage loan does not require any down payment.

(208) 853-7878 Lender's profile and map Reviews Diversified Mortgage Group 7977 W Marigold St, Garden City, ID, 83714 In Boise, Idaho, Diversified Mortgage Group has been providing quality real estate financing for over 14 years. With a proven track record, we strive to serve the lending needs of every homebuyer, and are dedicated to finding a home loan with a rate, terms and cost to meet your unique needs.
(208) 331-9776 Lender's profile and map Reviews Rainmaker Lending Capital 5987 W State St, Unit A, Boise, ID, 83703 Rainmaker Lending Capital will help you determine which financial product is the proper solution for your company's long term financial success. Once you have come to a decision to factor, your (RLC) Consultant will package the transaction in accordance with the lender's requirements.
208-854-1122 Lender's profile and map Reviews Alpha Lending, LLC 3379 N. Lakeharbor Ln., Boise, ID, 83703 We offer bridge and commercial loans in Southern Idaho, Boise, Twin Falls, Nampa, and the surrounding areas. We work with private money sources to bring borrowers and lenders together and help our clients secure funding for a wide range of real estate loan needs. Our in-house underwriting department streamlines loans.
(208) 322-4499 Lender's profile and map Reviews Idaho Finance 5800 West Fairview Avenue, Boise, ID, 83704 Idaho Finance is a local company that offers installment loans for people with good, fair, and bad credit. We started our company as a legitimate installment loan company that would operate with fairness and honesty. We want to help people with bad credit get the help they need while building their credit.
(208) 861-0000 Lender's profile and map Reviews Big River Mortgage 10020 W Fairview Ave, Suite 201, Boise, ID, 83704 At Big River Mortgage we take great pride in being “the one above”. We follow a boutique approach to residential lending that starkly stands out in an industry that is dominated by large, impersonal banks. Big River Mortgage takes great pride in the fact that we offer the very best industry personnel and technology available.
(208) 884-0150 Lender's profile and map Reviews CapEd Credit Union PO Box 570, Meridian, ID, 83680 We are a people-oriented Credit Union that provides personal and business financial services of superior quality and convenience. Our primary focus areas are member financial well-being, enrichment of community and promotion of quality education. With 10 locations and dozens of ATMs in Southern Idaho, we are here to help you
(208) 938-2228 Lender's profile and map Reviews Source Mortgage Inc 531 South Fitness Plaza, Eagle, ID, 83616 We’re a full service mortgage broker with an experienced staff offering expertise in every area of mortgage lending…from purchase to refinance to construction lending. We have access to a full range of mortgage sources and all of our lending specialists are dedicated to finding the right loan-with the best rates, terms.
(208) 322-0831 Lender's profile and map Reviews Hunter Creek Mortgage, Inc 1243 E Iron Eagle Dr, Suite 130, Eagle, ID, 83616 "Hunter Creek Mortgage, Inc. was established with a simple vision: to create extraordinary mortgage solutions for Idaho homeowners. That vision continues to be a driving force for us today. We believe that every client is an individual and that there is no “one size fits all” solution.
(208) 639-4000 Lender's profile and map Reviews Fulcrum Home Loans 971 E Winding Creek Drive, Eagle, ID, 83616 At Fulcrum Home Loans, our passion is clear: We are here to help our clients fulfill their dream of homeownership and provide the best possible mortgage experience! We do this by providing no non-sense financial advice, top notch customer service, speedy pre-approvals and rate quotes, as well as competitive rates and terms.
(866) 663-0810 Lender's profile and map Reviews Paramount Payment Systems 841 E. Fairview Ave, Suite 101, Meridian, ID, 83642 Paramount Payment Systems is a small and medium business merchant services provider. We specialize in helping businesses grow by providing the vital financial business instruments to increase sales, decrease costs, and secure alternative business capital. Since 2003, we have assisted over 10, 000 companies in decreasing
(208) 467-6583 Lender's profile and map Reviews Clarity Credit Union - Meridian, Idaho 555 S. Meridian Rd, Meridian, ID, 83642 Clarity Credit Union isn't your typical financial institution. Like all credit unions, we are a not-for-profit cooperative. Our philosophy mirrors the traditional credit union philosophy of "people helping people." We exist to provide our members with exceptional access to financial products and services.
(208) 871-5288 Lender's profile and map Reviews Equity Northwest Real Estate 129 E Pine Ave, Meridian, ID, 83642 Equity Northwest Real Estate \| Responsive. Connected. Our Priority is YOU. We are Equity Northwest Real Estate. Regional Designated Broker, Kit Fitzgerald oversees a number of real estate agents, who dabble in all forms of real estate, from new construction to investment property, resale and more.