Program 101

We will do our best to provide daily updates on the processing status of conditional commitments and loan note guarantees. Before calling our office or e-mailing for status updates, please first check our website to find out what day we are currently working on. Thank you

As of December 12, 2019        


Currently working files received 12/11 for Conditional Commitments

Currently we are working files received 12/05 for Loan Note Guarantees

REMINDER:  All files are worked in the order received - no exceptions can be made!  Please do not ask.  Your file is in order when we determine that we have a complete file and you will always receive an e-mail from us stating that the file is complete and in line as of what date.  If we have passed the date that you were given from us, and your contact person listed on the 3555-21 has had no contact with a Specialist yet, then feel free to contact the general e-mail box ( ) to check status of your file. 

If you are asked to provide additional or corrected documents we don't receive notification when you upload them.  You must tell us.  E-mail the general e-mail box with subject line that states; "re-submission" and the borrower's name.  If request was from a Specialist, e-mail that Specialist directly.

You can also get daily file status information by calling our Auto Phone line - 651-602-7874K87N8hDcQTTKKFTioSxqB8Q2BNX5JtAljwgAAAAB.  After the update feel free to leave detailed questions for the Specialist on call who monitors the line through out the day.  They will research your question and return your call, in most cases, the same day.

View the most current list of Minnesota approved lenders.

Important Announcement for SFHGLP Lenders

Program Status: Open
Program FactsheetPDF

What does this program do? 
This program assists approved lenders in providing low- and moderate-income households the opportunity to own adequate, modest, decent, safe and sanitary dwellings as their primary residence in eligible rural areas. Eligible applicants may build, rehabilitate, improve or relocate a dwelling in an eligible rural area. The program provides a 90% loan note guarantee to approved lenders in order to reduce the risk of extending 100% loans to eligible rural homebuyers.

Who may apply for this program?
Applicants must:

  • Meet income-eligibility
  • Agree to personally occupy the dwelling as their primary residence
  • Be a U.S. Citizen, U.S. non-citizen national or Qualified Alien
  • Have the legal capacity to incur the loan obligation
  • Have not been suspended or debarred from participation in federal programs
  • Demonstrate the willingness to meet credit obligations in a timely manner
  • Purchase a property that meets all program criteria

What is an eligible area?
Check eligible addresses for the loan guarantees.

How may funds be used?
Funds backed by loan guarantees be used for:

  • New or existing residential property to be used as a permanent residence.  Closing cost and reasonable/customary expenses associated with the purchase may be included in the transaction
  • A site with a new or existing dwelling
  • Repairs and rehabilitation when associated with the purchase of an existing dwelling
  • Refinancing of eligible loans
  • Special design features or permanently installed equipment to accommodate a household member who has a physical disability
  • Reasonable and customary connection fees, assessments or the pro rata installment cost for utilities such as water, sewer, electricity and gas for which the buyer is liable
  • A pro rata share of real estate taxes that is due and payable on the property at the time of loan closing.  Funds can be allowed for the establishment of escrow accounts for real estate taxes and/or hazard and flood insurance premiums
  • Essential household equipment such as wall-to-wall carpeting, ovens, ranges, refrigerators, washers, dryers, heating and cooling equipment as long as the equipment is conveyed with the dwelling
  • Purchasing and installing measures to promote energy efficiency (e.g. insulation, double-paned glass and solar panels)
  • Installing fixed broadband service to the household as long as the equipment is conveyed with the dwelling
  • Site preparation costs, including grading, foundation plantings, seeding or sod installation, trees, walks, fences and driveways

How do we get started?
To apply for this program, please contact a local mortgage lender.  Applications must be submitted through an approved lender.  If you are unable to find a participating lender, your state’s Guaranteed Loan Coordinator can help you find one.

Who can answer questions?
Applicants with questions should contact an approved lender.  Lenders with questions can contact

What governs this program?

Why does USDA Rural Development do this?
This program helps lenders work with low and moderate income families living in rural areas to make homeownership a reality. Providing affordable homeownership opportunities promotes prosperity, which in turn creates thriving communities and improves the quality of life in rural areas.

NOTE: Because citations and other information may be subject to change please always consult the program instructions listed in the section above titled "What Law Governs this Program?" You may also contact your local office for assistance.

Forms & Resources

View the most current list of approved lenders in Minnesota.

Important Resources

Private Well Testing Requirements

Quick Guide for Property Eligibility

Interested applicants are encouraged to contact their local mortgage lenders to inquire about applying for the guaranteed loan. USDA does not endorse any specific private sector lenders. This list of Nationally Approved Lenders is not inclusive of all participating lenders.

Income limits (pdf) are dependent upon location of the home, and the number of persons residing in the home.

NOTE: Please ensure your state is selected in the dropdown menu above to contact a Guaranteed Loan Coordinator in your state for more information.

Current Borrowers:

USDA Rural Development does not directly offer workout plans to distressed homeowners in the Single Family Housing Guaranteed Loan Program as USDA is not a financial lending institution.  We urge any customer with a guaranteed loan seeking assistance to contact their mortgage servicing lender immediately to determine their eligibility for potential work out options.  Examples of work out options include but are not limited to:  Informal Forbearance, Special Forbearance, Loan Modification, Special Loan Servicing and Pre-Foreclosure Sale.  The customer service number for the servicing lender is typically included with the mortgage statement or at their online internet address.

Need to refinance your USDA Home Loan? Learn more about this option.



Stephanie Vergin | Housing Program Director
State Office
(651) 602-7820

Jaci Betcher | Guaranteed Lead Specialist
State Office
(651) 602-7803

Sarah Yncierto | Guaranteed Specialist
State Office
(651) 602-7823

Patti Berry | Guaranteed Specialist
State Office
(651) 602-7807

Margarita Silva | Guaranteed Specialist
State Office
(651) 602-7755

Samantha Vang | Guaranteed Technician
State Office
(651) 602-7781

Denise Stevermer | Guaranteed Technician
State Office
(507) 532-3234 x 102

View the most current list of approved lenders in Minnesota.