USDA Rural Development has 100% low-interest financing available for those who qualify, to
purchase and/or repair a home. Payments are based on income, with no down payment required.
Since Rural Development may be able to help those who do not qualify for conventional loans, our
program enables many people to buy homes who otherwise could not afford to do so.
Primary qualifications include, but are not limited to:
Adjusted gross income must be below 80% of the county median income. Calculate the total gross
annual income for your entire household (including all adult members of the household who are not full-time
students). This total must be under the Low income limit for the county you want to purchase in and the
number of people in your household (see the following pages). If your income is above the low limit, you may
qualify for a Guaranteed Rural Housing (GRH) loan.
Acceptable credit history and unable to obtain credit elsewhere. Applicants with a middle credit score of
640 or above and no delinquent federal debt may qualify for streamlined credit processing. If you ar
e
unc
ertain how your credit history appears get your free annual credit report prior to submitting your
information. Review page two of this packet for more information on how and why it’s a good idea to monitor
your credit.
Acceptable repayment ability. Applicants should have stable and dependable income. Repayment ability
may be increased if applicants qualify for payment assistance. Payment assistance is subsidy provided by
the US Government, based on a formula tied to income and declines as income levels increase.
Must be a US Citizen or a legal Resident Alien
You may return the following Items to pre-qualify for a 502 Direct Loan:
* Required Forms to Apply
1. *Pre-Qualification Form. Complete all applicable information.
2. *Authorization to Release Information. Sign & date this form (no need to complete the top section).
3. Paystubs. Copies of the last 4 weeks worth of paystubs for all wage income earned. If Applicable
4. Benefit Letters. Copies of non-wage income you are receiving (Ex: Social Security, pensions, etc). If Applicable
5. Federal Tax Return. Copies of the most recent filed Federal Income Tax Return, including all W-2s and applicable
Schedules. If self-employed, provide two years of tax returns.
6. Verification of Identity. Copy of picture ID and social security card
Return Completed Form to:
Please email questions and/or pre-qualification forms to the email address listed here. If you do not have internet
access, you can contact a local Rural Development office near you.
Email: KSDirect@ks.usda.gov
Fax: 1-877-470-3801
Hays Office
2715 Canterbury Drive
Hays, KS 67601
Phone: (785) 628-3081, Ext. 4
Fax: (877) 470-3801
Iola Office
202 W. Miller Road
Iola, KS 66749
Phone: (620) 365-2901, Ext. 4
Fax: (877) 470-3801
Manhattan Office
3705 Miller Parkway, Ste A
Manhattan, KS 66503
Phone: (785) 776-7582, Ext. 4
Fax: (877) 470-3801
Newton Office
1405 South Spencer Road
Newton, KS 67114
Phone: (316) 283-0370, Ext. 4
Fax: (877) 470-3801
Topeka Office
1303 SW First American Pl, Ste 100
Topeka, KS 66604-4040
Phone: (785) 271-2711
Fax: (877) 470-3801
Revised 2/2015
C
redit Report Information
A credit report includes information on where you live, how you pay your bills, and
whether you’ve been sued or have filed for bankruptcy. Nationwide credit reporting
companies sell the information in your report to creditors, insurers, employers, and other
businesses that use it to evaluate your applications for credit, insurance, employment,
or renting a home.
Your credit report has information that affects whether you can get a loan and how
much you will have to pay to borrow money. You want a copy of your credit report to:
Make sure the information is accurate, complete, and up-to-date before
you apply for a loan for a major purchase like a house or car, buy
insurance, or apply for a job.
Help guard against identity theft. Identity thieves may use your information
to open a new credit card account in your name. Then, when they don’t
pay the bills, the delinquent account is reported on your credit report.
Inaccurate information like that could affect your ability to get credit,
insurance, or even a job.
Federal law allows you to obtain a free copy of your credit report every twelve months
from each of three nationwide credit reporting companies (Equifax, TransUnion and
Experian). You may order one, two, or all three reports at the same time, or you may
stagger your requests. It’s your choice. Some financial advisors say staggering your
requests during a 12-month period may be a good way to keep an eye on the accuracy
and completeness of the information in your reports.
The three nationwide credit reporting companies have set up a central website, a toll-
free telephone number, and a mailing address through which you can order your free
annual report.
www.AnnualCreditReport.com
1-877-322-8228
County 12345678
Allen LOW 30,900$ 35,300$ 39,750$ 44,150$ 47,700$ 51,200$ 54,750$ 58,300$
Anderson LOW 30,900$ 35,300$ 39,750$ 44,150$ 47,700$ 51,200$ 54,750$ 58,300$
Atchinson LOW 32,550$ 37,200$ 41,850$ 46,500$ 50,200$ 53,950$ 57,650$ 61,400$
Barber LOW 30,900$ 35,300$ 39,750$ 44,150$ 47,700$ 51,200$ 54,750$ 58,300$
Barton LOW 32,250$ 36,900$ 41,500$ 46,100$ 49,800$ 53,500$ 57,150$ 60,850$
Bourbon LOW 30,900$ 35,300$ 39,750$ 44,150$ 47,700$ 51,200$ 54,750$ 58,300$
Brown LOW 30,900$ 35,300$ 39,750$ 44,150$ 47,700$ 51,200$ 54,750$ 58,300$
Butler LOW 36,900$ 42,150$ 47,450$ 52,700$ 56,900$ 61,150$ 65,350$ 69,550$
Chase LOW 32,550$ 37,200$ 41,850$ 46,500$ 50,200$ 53,950$ 57,650$ 61,400$
Chautauqua LOW 30,900$ 35,300$ 39,750$ 44,150$ 47,700$ 51,200$ 54,750$ 58,300$
Cherokee
LOW 30,900$ 35,300$ 39,750$ 44,150$ 47,700$ 51,200$ 54,750$ 58,300$
Cheyenne LOW 30,900$ 35,300$ 39,750$ 44,150$ 47,700$ 51,200$ 54,750$ 58,300$
Clark LOW 35,850$ 40,950$ 46,100$ 51,200$ 55,300$ 59,400$ 63,500$ 67,600$
Clay LOW 33,450$ 38,200$ 43,000$ 47,750$ 51,550$ 55,400$ 59,200$ 63,050$
Cloud LOW 30,900$ 35,300$ 39,750$ 44,150$ 47,700$ 51,200$ 54,750$ 58,300$
Coffey LOW 35,750$ 40,900$ 46,000$ 51,100$ 55,200$ 59,300$ 63,350$ 67,450$
Comanche LOW 32,400$ 37,050$ 41,650$ 46,300$ 50,000$ 53,700$ 57,400$ 61,100$
Cowley LOW 30,900$ 35,300$ 39,750$ 44,150$ 47,700$ 51,200$ 54,750$ 58,300$
Crawford LOW 30,900$ 35,300$ 39,750$ 44,150$ 47,700$ 51,200$ 54,750$ 58,300$
Decatur LOW 30,900$ 35,300$ 39,750$ 44,150$ 47,700$ 51,200$ 54,750$ 58,300$
Dickinson LOW 34,000
$ 38,850$ 43,700$ 48,550$ 52,450$ 56,300$ 60,200$ 64,100$
Doniphan LOW 33,150$ 37,900$ 42,600$ 47,350$ 51,150$ 54,950$ 58,700$ 62,500$
Douglas LOW 40,050$ 45,750$ 51,500$ 57,200$ 61,800$ 66,350$ 70,950$ 75,500$
Edwards LOW 30,900$ 35,300$ 39,750$ 44,150$ 47,700$ 51,200$ 54,750$ 58,300$
Elk LOW 30,900$ 35,300$ 39,750$ 44,150$ 47,700$ 51,200$ 54,750$ 58,300$
Ellis LOW 36,950$ 42,250$ 47,500$ 52,800$ 57,000$ 61,250$ 65,450$ 69,700$
Ellsworth LOW 32,950$ 37,650$ 42,350$ 47,050$ 50,800$ 54,600$ 58,350$ 62,100$
Finney LOW 33,800$ 38,600$ 43,450$ 48,250$ 52,100$ 55,950$ 59,850$ 63,700$
Ford LOW 32,050$ 36,600$ 41,200$ 45,750$ 49,400$ 53,050$ 56,750$ 60,400$
Franklin LOW 35,300$ 40,300$ 45,350$ 50,400$ 54,450$ 58,450$ 62,500$ 66,550$
Geary LOW 34,250$ 39,100
$ 44,000$ 48,900$ 52,800$ 56,700$ 60,650$ 64,550$
Gove LOW 30,900$ 35,300$ 39,750$ 44,150$ 47,700$ 51,200$ 54,750$ 58,300$
Graham LOW 34,150$ 39,050$ 43,900$ 48,800$ 52,700$ 56,600$ 60,500$ 64,400$
Grant LOW 37,900$ 43,300$ 48,750$ 54,150$ 58,500$ 62,800$ 67,150$ 71,500$
Gray LOW 36,200$ 41,350$ 46,550$ 51,700$ 55,850$ 59,950$ 64,100$ 68,250$
Greeley LOW 37,350$ 42,700$ 48,000$ 53,350$ 57,600$ 61,900$ 66,150$ 70,400$
Greenwood LOW 30,900$ 35,300$ 39,750$ 44,150$ 47,700$ 51,200$ 54,750$ 58,300$
Hamilton LOW 30,900$ 35,300$ 39,750$ 44,150$ 47,700$ 51,200$ 54,750$ 58,300$
Harper LOW 30,900$ 35,300$ 39,750$ 44,150$ 47,700$ 51,200$ 54,750$ 58,300$
Harvey LOW 36,900$ 42,150$ 47,450$ 52,700$ 56,900$ 61,150$ 65,350$ 69,550$
Haskell LOW 35,650$ 40,750$ 45,850
$ 50,950$ 55,050$ 59,100$ 63,200$ 67,250$
Hodgeman LOW 33,550$ 38,300$ 43,100$ 47,900$ 51,750$ 55,550$ 59,400$ 63,250$
Jackson LOW 36,500$ 41,700$ 46,950$ 52,150$ 56,300$ 60,500$ 64,650$ 68,850$
Jefferson LOW 36,500$ 41,700$ 46,950$ 52,150$ 56,300$ 60,500$ 64,650$ 68,850$
Jewell LOW 30,900$ 35,300$ 39,750$ 44,150$ 47,700$ 51,200$ 54,750$ 58,300$
Johnson LOW 41,050$ 46,900$ 52,800$ 58,650$ 63,350$ 68,050$ 72,750$ 77,400$
Kearny LOW 32,400$ 37,050$ 41,650$ 46,300$ 50,000$ 53,700$ 57,400$ 61,100$
Kingman LOW 33,200$ 37,950$ 42,700$ 47,450$ 51,250$ 55,050$ 58,850$ 62,650$
Kiowa LOW 30,900$ 35,300$ 39,750$ 44,150$ 47,700$ 51,200$ 54,750$ 58,300$
Labette LOW 30,900$ 35,300$ 39,750$ 44,150$ 47,700$ 51,200$ 54,750$ 58,300$
Lane LOW 33,550$ 38,300$ 43,100$ 47,900
$ 51,750$ 55,550$ 59,400$ 63,250$
Leavenworth LOW 41,050$ 46,900$ 52,800$ 58,650$ 63,350$ 68,050$ 72,750$ 77,400$
Lincoln LOW 31,750$ 36,300$ 40,800$ 45,350$ 49,000$ 52,600$ 56,250$ 59,850$
USDA RURAL DEVELOPMENT - 502 Direct Program Income Limits
B
y
Number of Persons in the Household*
* Add 8% of 4-person limit for each person in excess of 8 persons Effective 2/12/2014
County 12345678
USDA RURAL DEVELOPMENT - 502 Direct Program Income Limits
B
y
Number of Persons in the Household*
Linn LOW 41,050$ 46,900$ 52,800$ 58,650$ 63,350$ 68,050$ 72,750$ 77,400$
Logan LOW 33,550$ 38,300$ 43,100$ 47,900$ 51,750$ 55,550$ 59,400$ 63,250$
Lyon LOW 30,900$ 35,300$ 39,750$ 44,150$ 47,700$ 51,200$ 54,750$ 58,300$
Marion LOW 33,250$ 38,000$ 42,750$ 47,500$ 51,300$ 55,100$ 58,900$ 62,700$
Marshall LOW 33,500$ 38,300$ 43,050$ 47,850$ 51,700$ 55,500$ 59,350$ 63,150$
McPherson LOW 40,250$ 46,000$ 51,750$ 57,500$ 62,100$ 66,700$ 71,300$ 75,900$
Meade LOW 31,550$ 36,050$ 40,550$ 45,050$ 48,650$ 52,250$ 55,850$ 59,450$
Miami LOW 41,050$ 46,900$ 52,800$ 58,650$ 63,350$ 68,050$ 72,750$ 77,400$
Mitchell LOW 32,500$ 37,100$ 41,750$ 46,400$ 50,100$ 53,800$ 57,550$ 61,250$
Montgomery LOW 31,000$ 35,450$ 39,850$ 44,300$ 47,850$ 51,400$ 54,950$ 58,500$
Morris
LOW 32,550$ 37,200$ 41,850$ 46,500$ 50,200$ 53,950$ 57,650$ 61,400$
Morton LOW 33,550$ 38,300$ 43,100$ 47,900$ 51,750$ 55,550$ 59,400$ 63,250$
Nemaha LOW 34,250$ 39,100$ 44,000$ 48,900$ 52,800$ 56,700$ 60,650$ 64,550$
Neosho LOW 30,900$ 35,300$ 39,750$ 44,150$ 47,700$ 51,200$ 54,750$ 58,300$
Ness LOW 33,100$ 37,850$ 42,550$ 47,300$ 51,100$ 54,850$ 58,650$ 62,450$
Norton LOW 33,600$ 38,400$ 43,200$ 48,000$ 51,850$ 55,700$ 59,500$ 63,350$
Osage LOW 36,500$ 41,700$ 46,950$ 52,150$ 56,300$ 60,500$ 64,650$ 68,850$
Osborne LOW 30,900$ 35,300$ 39,750$ 44,150$ 47,700$ 51,200$ 54,750$ 58,300$
Ottawa LOW 35,750$ 40,850$ 45,950$ 51,050$ 55,150$ 59,200$ 63,300$ 67,400$
Pawnee LOW 32,500$ 37,100$ 41,750$ 46,400$ 50,100$ 53,800$ 57,550$ 61,250$
Phillips LOW 32,250
$ 36,900$ 41,500$ 46,100$ 49,800$ 53,500$ 57,150$ 60,850$
Pottawatomie LOW 34,250$ 39,100$ 44,000$ 48,900$ 52,800$ 56,700$ 60,650$ 64,550$
Pratt LOW 33,500$ 38,300$ 43,050$ 47,850$ 51,700$ 55,500$ 59,350$ 63,150$
Rawlins LOW 30,900$ 35,300$ 39,750$ 44,150$ 47,700$ 51,200$ 54,750$ 58,300$
Reno LOW 30,900$ 35,300$ 39,750$ 44,150$ 47,700$ 51,200$ 54,750$ 58,300$
Republic LOW 31,850$ 36,400$ 40,950$ 45,500$ 49,150$ 52,800$ 56,400$ 60,050$
Rice LOW 32,400$ 37,050$ 41,650$ 46,300$ 50,000$ 53,700$ 57,400$ 61,100$
Riley LOW 34,250$ 39,100$ 44,000$ 48,900$ 52,800$ 56,700$ 60,650$ 64,550$
Rooks LOW 30,900$ 35,300$ 39,750$ 44,150$ 47,700$ 51,200$ 54,750$ 58,300$
Rush LOW 30,900$ 35,300$ 39,750$ 44,150$ 47,700$ 51,200$ 54,750$ 58,300$
Russell LOW 31,650$ 36,150
$ 40,700$ 45,200$ 48,800$ 52,450$ 56,050$ 59,650$
Saline LOW 34,150$ 39,050$ 43,900$ 48,800$ 52,700$ 56,600$ 60,500$ 64,400$
Scott LOW 38,700$ 44,250$ 49,750$ 55,300$ 59,700$ 64,150$ 68,550$ 73,000$
Sedgwick LOW 36,900$ 42,150$ 47,450$ 52,700$ 56,900$ 61,150$ 65,350$ 69,550$
Seward LOW 30,900$ 35,300$ 39,750$ 44,150$ 47,700$ 51,200$ 54,750$ 58,300$
Shawnee LOW 36,500$ 41,700$ 46,950$ 52,150$ 56,300$ 60,500$ 64,650$ 68,850$
Sheridan LOW 32,550$ 37,200$ 41,850$ 46,500$ 50,200$ 53,950$ 57,650$ 61,400$
Sherman LOW 31,450$ 35,950$ 40,450$ 44,950$ 48,550$ 52,150$ 55,750$ 59,350$
Smith LOW 30,900$ 35,300$ 39,750$ 44,150$ 47,700$ 51,200$ 54,750$ 58,300$
Stafford LOW 31,850$ 36,400$ 40,950$ 45,500$ 49,150$ 52,800$ 56,400$ 60,050$
Stanton LOW 32,950$ 37,700$ 42,400
$ 47,100$ 50,850$ 54,650$ 58,400$ 62,150$
Stevens LOW 34,950$ 39,900$ 44,900$ 49,900$ 53,900$ 57,900$ 61,900$ 65,850$
Sumner LOW 37,150$ 42,500$ 47,800$ 53,100$ 57,350$ 61,600$ 65,850$ 70,100$
Thomas LOW 39,400$ 45,050$ 50,650$ 56,300$ 60,800$ 65,300$ 69,800$ 74,300$
Trego LOW 31,150$ 35,600$ 40,050$ 44,500$ 48,050$ 51,600$ 55,200$ 58,750$
Wabaunsee LOW 36,500$ 41,700$ 46,950$ 52,150$ 56,300$ 60,500$ 64,650$ 68,850$
Wallace LOW 32,150$ 36,700$ 41,300$ 45,900$ 49,550$ 53,250$ 56,900$ 60,600$
Washington LOW 31,300$ 35,750$ 40,250$ 44,700$ 48,300$ 51,850$ 55,450$ 59,000$
Wichita LOW 31,850$ 36,400$ 40,950$ 45,500$ 49,150$ 52,800$ 56,400$ 60,050$
Wilson LOW 30,900$ 35,300$ 39,750$ 44,150$ 47,700$ 51,200$ 54,750$ 58,300$
Woodson LOW 30,900$ 35,300$ 39,750$ 44,150
$ 47,700$ 51,200$ 54,750$ 58,300$
Wyandotte LOW 41,050$ 46,900$ 52,800$ 58,650$ 63,350$ 68,050$ 72,750$ 77,400$
* Add 8% of 4-person limit for each person in excess of 8 persons Effective 2/12/2014
PRE-QUALIFICATION FORM
USDA Rural Development RETURN COMPLETED FORM TO:
1303 SW First American Pl, Ste 100 RA.RD.KSto4.SFHShare@ks.usda.gov
Topeka KS 66604-4040 FAX: 1-877-470-3801
APPLICANT INFORMATION CO-APPLICANT INFORMATION
Name (First MI Last): Name (First MI Last):
Social Security Number: Social Security Number:
Physical Address: Physical Address:
Mailing Address: Mailing Address:
City, State, Zip: City, State, Zip:
DOB: Sex: Marital Status: DOB: Sex: Marital Status:
Home : Cell : Home : Cell :
Work : Fax : Work : Fax :
Email Address: Email Address:
Preferred Contact Method(s): Email Mail Cell Work Home Preferred Contact Method(s): Email Mail Cell Work Home
Race: Indian/Alaskan Asian Black Hawaiian White Race: Indian/Alaskan Asian Black Hawaiian White
Ethnicity: Hispanic Not Hispanic Citizen?YN Veteran?YN Ethnicity: Hispanic Not Hispanic Citizen?YN Veteran?YN
If interpretation services are needed, what type? If interpretation services are needed, what type?
Applicant’s Monthly Income Co-Applicant’s Monthly Income
Employer: Employer:
Position Held: Start Date: Position Held: Start Date:
Avg Hours Worked/Week: Hourly Rate of Pay $ Avg Hours Worked/Week: Hourly Rate of Pay $
Avg Over-Time / Week: Annual Bonus $ Avg Over-Time/Week: Annual Bonus $
Other Employment: Current Previous Dates: Other Employment: Current Previous Dates:
Employer: Employer:
Avg Monthly Income for this job: $ Avg Monthly Income for this job: $
Monthly Non-Wage Income: $ per month Monthly Non-Wage Income: $ per month
Source: Child Support Social Security Pension Other Source: Child Support Social Security Pension Other
OTHER HOUSEHOLD MEMBERS NOT LISTED ABOVE WHO WILL LIVE IN HOUSE
Relationship
Age
Student?
Monthly Income
Income Source
Type of Payment
Creditor Name
Monthly Payments
Balance
Type of Asset
Cash Value
Car Payment
Cash
Car Payment
Checking Acct.
Credit Card
Checking Acct.
Credit Card
Savings Acct.
Credit Card
Savings Acct.
Medical/Dr. Bills
Stocks/Bonds/CDs
Medical/Dr. Bills
IRAs/Retirement
Student Loans
Real Estate Owned
Child Support Owed
Auto/Vehicle
Other Debt
Auto/Vehicle
Rent or House Pmt
Other:
Annual Medical Expenses (complete only if disabled or over 62): Comments:
Annual Childcare Expenses: DCF pay any? YN
Have you owned a home in the last 3 years? YN
Any payments past due, more than 30 days, in the past 12 months? YN
Any judgments, bankruptcy, or foreclosures in the past 3 yrs? YN
Where did you learn about this loan program? Newspaper Bank Flyer Realtor Other:
PLEASE BE SURE TO SIGN THE ATTACHED “AUTHORIZATION TO RELEASE INFORMATION” FORM
Purchase
Repair
County:
Revised February 2015
Form RD 3550-1 Form Approved
(Rev. 06-06) 0MB No. 0575-0172
According to the Paperwork Reduction Act of 1995, no persons are required to respond to a collection of information unless as displays a valid OMB control number. The valid OMB control number for this
information collection is 0575-0172. The time required to complete this information collection is estimated to average 5 minutes per response, including the time for reviewing instructions, searching existing data
sources, gathering and maintaining the data needed, and completing and reviewing the collection of information.
RHS Is An Equal Opportunity Lender
SEE ATTACHED PRIVACY ACT NOTICE
United States Department of Agriculture
Rural Development
Rural Housing Service
AUTHORIZATION TO RELEASE INFORMATION
TO:
RE:
Account or Other Identifying Number
Name of Customer
I, and/or adults in my household, have applied for or obtained a loan or grant from the Rural Housing Service (RHS), part of the Rural
Development mission area of the United States Department of Agriculture. As part of this process or in considering my household for
interest credit, payment assistance, or other servicing assistance on such loan, RHS may verify information contained in my request for
assistance and in other documents required in connection with the request.
I, or another adult in my household, authorize you to provide to RHS for verification purposes the following applicable information:
Past and present employment or income records.
Bank account, stock holdings, and any other asset balances.
Past and present landlord references.
Other consumer credit references.
If the request is for a new loan or grant, I further authorize RHS to order a consumer credit report and verify other credit information.
I understand that under the Right to Financial Privacy Act of 1978, 12 U.S.C. 3401, et seq., RHS is authorized to access my financial
records held by financial institutions in connection with the consideration or administration of assistance to me. I also understand that
financial records involving my loan and loan application will be available to RHS without further notice or authorization, but will not be
disclosed or released by RHS to another Government agency or department or used for another purpose without my consent except as
required or permitted by law.
This authorization is valid for the life of the loan.
The recipient of this form may rely on the Government's representation that the loan is still in existence.
The information RHS obtains is only to be used to process my request for a loan or grant, interest credit, payment assistance, or other
servicing assistance. I acknowledge that I have received a copy of the Notice to Applicant Regarding Privacy Act Information. I
understand that if I have requested interest credit or payment assistance, this authorization to release information will cover any future
requests for such assistance and that I will not be renotified of the Privacy Act information unless the Privacy Act information has
changed concerning use of such information.
A copy of this authorization may be accepted as an original.
Your prompt reply is appreciated.
Signature (Applicant or Adult Household Member) Date
Signature (Co-Applicant or Adult Household Member) Date
NOTICE TO APPLICANT REGARDING PRIVACY ACT INFORMATION
The information requested on this form is authorized to be collected by the Rural Housing Service (RHS), Rural Business-Cooperative Services
(RBS), Rural Utilities Service (RUS) or the Farm Service Agency (FSA) (''the agency'') by title V of the Housing Act of 1949, as amended (42
U.S.C. 1471 et seq.) or by the Consolidated Farm and Rural Development Act (7 U.S.C. 1921 et seq.), or by other laws administered by RHS, RBS,
RUS or FSA.
Disclosure of information requested is voluntary. However, failure to disclose certain items of information requested, including your Social Security
Number or Federal Identification Number, may result in a delay in the processing of an application or its rejection. Information provided may be used
outside of the agency for the following purposes:
1 . When a record on its face, or in conjunction with other records, indicates a violation or potential violation of law, whether civil, criminal or
regulatory in nature, and whether arising by general statute or particular program statute, or by regulation, rule, or order issued pursuant thereto,
disclosure may be made to the appropriate agency, whether Federal, foreign, State, local, or tribal, or other public authority responsible for enforcing,
investigating or prosecuting such violation or charged with enforcing or implementing the statute, or rule, regulation, or order issued pursuant thereto,
if the information disclosed is relevant to any enforcement, regulatory, investigative, or prosecutive responsibility of the receiving entity.
2. A record from this system of records may be disclosed to a Member of Congress or to a Congressional staff member in response to an inquiry of
the Congressional office made at the written request of the constituent about whom the record is maintained.
3. Rural Development will provide information from this system to the U.S. Department of the Treasury and to other Federal agencies maintaining
debt servicing centers, in connection with overdue debts, in order to participate in the Treasury Offset Program as required by the Debt Collection
Improvement Act, Pub. L. 104-134, Section 31001.
4. Disclosure of the name, home address, and information concerning default on loan repayment when the default involves a security interest in tribal
allotted or trust land. Pursuant to the Cranston-Gonzales National Affordable Housing Act of 1990 (42 U.S.C. 12701 et seq.), liquidation may be
pursued only after offering to transfer the account to an eligible tribal member, the tribe, or the Indian Housing Authority serving the tribe(s).
5. Referral of names, home addresses, social security numbers, and financial information to a collection or servicing contractor, financial institution,
or a local, State, or Federal agency, when Rural Development determines such referral is appropriate for servicing or collecting the borrower's
account or as provided for in contracts with servicing or collection agencies.
6. It shall be a routine use of the records in this system of records to disclose them in a proceeding before a court or adjudicative body, when: (a) the
agency or any component thereof; or (b) any employee of the agency in his or her official capacity; or (c) any employee of the agency in his or her
individual capacity where the agency has agreed to represent the employee, or (d) the United States is a party to litigation or has an interest in such
litigation, and by careful review, the agency determines that the records are both relevant and necessary to the litigation, provided; however, that in
each case, the agency determines that disclosure of the records is a use of the information contained in the records that is compatible with the purpose
for which the agency collected the records.
7. Referral of names, home addresses, and financial information for selected borrowers to financial consultants, advisors, lending institutions,
packagers, agents and private or commercial credit sources, when Rural Development determines such referral is appropriate to encourage the
borrower to refinance the Rural Development indebtedness as required by title V of the Housing Act of 1949, as amended (42 U.S.C. 1471), or to
assist the borrower in the sale of the property .
8. Referral of legally enforceable debts to the Department of the Treasury, Internal Revenue Service (IRS), to be offset against any tax refund that
may become due the debtor for the tax year in which the referral is made, in accordance with the IRS regulations at 26 C.F.R. 301.6402-6T, Offset of
Past Due Legally Enforceable Debt Against Overpayment, and under the authority contained in 31 U.S.C. 3720A.
9. Referral of information regarding indebtedness to the Defense Manpower Data Center, Department of Defense, and the United States Postal
Service for the purpose of conducting computer matching programs to identify and locate individuals receiving Federal salary or benefit payments
and who are delinquent in their repayment of debts owed to the U.S. Government under certain programs administered by Rural Development in
order to collect debts under the provisions of the Debt Collection Act of 1982 (5 U.S.C. 5514) by voluntary repayment, administrative or salary offset
procedures, or by collection agencies.
10. Referral of names, home addresses, and financial information to lending institutions when Rural Development determines the individual may be
financially capable of qualifying for credit with or without a guarantee.
11. Disclosure of names, home addresses, social security numbers, and financial information to lending institutions that have a lien against the same
property as Rural Development for the purpose of the collection of the debt. These loans can be under the direct and guaranteed loan programs.
12. Referral to private attorneys under contract with either Rural Development or with the Department of Justice for the purpose of foreclosure and
possession actions and collection of past due accounts in connection with Rural Development.
13. It shall be a routine use of the records in this system of records to disclose them to the Department of Justice when: (a) The agency or any
component thereof; or (b) any employee of the agency in his or her official capacity where the Department of Justice has agreed to represent the
employee; or (c) the United States Government, is a party to litigation or has an interest in such litigation, and by careful review, the agency
determines that the records are both relevant and necessary to the litigation and the use of such records by the Department of Justice is therefore
deemed by the agency to be for a purpose that is compatible with the purpose for which the agency collected the records.
14. Referral of names, home addresses, social security numbers, and financial information to the Department of Housing and Urban Development
(HUD) as a record of location utilized by Federal agencies for an automatic credit prescreening system.
15. Referral of names, home addresses, social security numbers, and financial information to the Department of Labor, State Wage Information
Collection Agencies, and other Federal, State, and local agencies, as well as those responsible for verifying information furnished to qualify for
Federal benefits, to conduct wage and benefit matching through manual and/or automated means, for the purpose of determining compliance with
Federal regulations and appropriate servicing actions against those not entitled to program benefits, including possible recovery of improper benefits.
16. Referral of names, home addresses, and financial information to financial consultants, advisors, or underwriters, when Rural Development
determines such referral is appropriate for developing packaging and marketing strategies involving the sale of Rural Development loan assets.
17. Rural Development, in accordance with 31 U.S.C. 3711(e)(5), will provide to consumer reporting agencies or commercial reporting agencies
information from this system indicating that an individual is responsible for a claim that is current.
18. Referral of names, home addresses, home telephone numbers, social security numbers, and financial information to escrow agents (which also
could include attorneys and title companies) selected by the applicant or borrower for the purpose of closing the loan.
19. Disclosures pursuant to 5 U.S.C. 552a(b)(12): Disclosures may be made from this system to consumer reporting agencies as defined in the Fair
Credit Reporting Act (15 U.S.C. 168a(f) or the Federal Claims Collection Act (31U.S.C. 3701(a)(3)).