Highlands Housing Corporation uses USDA/Rural Development loans programs for most of our homebuyers. Through these programs, the USDA offers 100% financing at very low mortgage rates in rural neighborhoods.

Service Area
We currently serve Bell, Clinton, Cumberland, Laurel, McCreary, Pulaski, Rockcastle, Whitley and Wayne Counties. If you live outside of our service area we encourage you to find a non-profit housing organization in your area who can help make your dream of homeownership a reality.

Credit Score
USDA requires a credit score of at least 640; however, if you do not have any credit established in your name, we are able to accept 3 alternative forms of credit showing at least 12 months of regular payments paid on time each month including:

Landlord reference
Cell phone payments
Utility payments
Auto insurance
Storage rentals

The USDA will not guarantee a mortgage for a household which exceeds its maximum income limits for a given area. This is because the USDA program’s purpose is helping those with “modest means” achieve homeownership.