---

What You Can Use It For

• Buying a primary home in an eligible rural area with nothing down
• First-time purchases where saving a down payment is the barrier
• Homes in and around Beattyville, Booneville, Campton, Stanton, Irvine, and similar communities (subject to current USDA maps)

Why Borrowers Choose It

• 100% financing — the down payment is zero
• No monthly mortgage insurance, unlike FHA and low-down conventional
• Competitive fixed rates backed by the government guarantee
• Attainable credit floor at 620

Program Highlights

• 100% financing available
• Property must be located in a USDA-eligible rural area
• No monthly mortgage insurance
• Owner-occupied only
• Minimum FICO 620
• Full income documentation; minimum 2 years employment
• SFR, PUD & condos

Highlights reflect lender program guidelines at the time of writing — programs change, and your terms depend on your full application.

---

Most of Our Map Is USDA-Eligible

This is the headline program for our region: Beattyville, Booneville, Campton, Stanton, Irvine, Jackson, and the communities between them generally sit inside USDA-eligible territory (always verify the exact address). Zero down with no monthly mortgage insurance, at rural Kentucky price points, is the most affordable path to ownership most local buyers will ever see.

Common Questions

How do I know if a property is in an eligible area?

USDA publishes an address-lookup map, and we check it in seconds during prequalification. Rule of thumb for our region: outside Lexington’s orbit, most of it qualifies — but always verify the exact address before you fall in love.

Are there income limits?

Yes — USDA has household income caps that vary by county and household size. Plenty of working families fit under them; it’s a two-minute check against your county’s limit.

Equal Housing Lender. This is not a commitment to lend or extend credit. Programs, rates, terms, and conditions are subject to change without notice; all applicants are subject to credit and underwriting approval, and not all applicants will qualify. Program details shown reflect available lender guidelines at the time of writing and may differ at application. Consult your accountant about tax matters. The loan programs described on this page are offered by licensed third-party lenders, not by Marcos Gil. Marcos is a licensed Kentucky real estate agent — not a mortgage loan originator — and can introduce you to a licensed loan officer for any program here. Verify any lender or loan officer at NMLS Consumer Access: nmlsconsumeraccess.org.