Study notes. AI-assisted reference for NMLS SAFE exam prep — verify against primary sources (CFR, statute, CFPB) before relying on it. Not legal advice.
Rural Housing Service (RHS)
federal-agencyrural-developmenthousing
The Rural Housing Service (RHS) is an agency within the United States Department of Agriculture (USDA) that provides financial assistance to help rural residents buy or rent safe, affordable housing and to help rural communities develop essential facilities.
RHS programs are designed to:
- Promote Rural Homeownership: Offer direct and guaranteed loan programs to help low- and moderate-income individuals and families purchase homes in eligible rural areas.
- Support Rural Community Development: Provide loans and grants for the development of community facilities such as water and waste systems, health care clinics, and public safety services.
- Improve Housing Conditions: Assist with home repairs and improvements for eligible rural homeowners.
Loans guaranteed or insured by the RHS are considered Agency QMs under the Qualified Mortgage (QM) rules, benefiting from a presumption of compliance with the Ability-to-Repay (ATR) Rule requirements.
Source material
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