Usda rural development mississippi

State Office Contacts
Douglas Simons, Acting State Director                                                                         
100 W. Capitol St. Suite 831, Jackson, MS 39269
Phone: 601-965-4316  Fax: 1-844-325-7035                                                                                              

Community Programs Division   
Nicole Barnes, Program Director                                          
Phone: 601-965-5460 Fax: 1-844-325-7034

Rural Business/Cooperative Services Division 
G. Gary Jones, Program Director                   
Phone: 601-965-5457 Fax: 1-844-325-7036

Single Family Housing Division  
Ivan Kiani, Program Director
Phone: 601-965-4325 Fax: 1-844-325-7036

Multi-Family Housing Division  
Cecil Williams, Program Director
Phone: 601-965-4326 Fax: 1-844-325-7036

Program Support Division   
Ken Stribling, Acting Program Director                      
Phone: 601-965-4322 Fax: 1-844-325-7036

Public Affairs and Community Economic Development   
Justin Wilkes                     
Phone: 601-965-4316

Area Office Contacts

Area 1 - Brookhaven Area Office
Michael Perry, Area Director
1395 D. Johnny Johnson Dr.
Brookhaven, MS 39601
Phone: 601-833-9321 Fax: 1-844-325-7040

Counties Served: Marion, Jefferson Davis, Lawrence, Copiah, Simpson, Warren, Pike, Lincoln, Amite, Wathall, Adams, Franklin, Jefferson, Claiborne, Wilkerson

Area 2 - Decatur Area Office
Allen Crosswhite, Area Director
76 Little Rock-Decatur Rd.
Decatur, MS 39327
Phone: 601-635-2556 Fax: 1-844-325-7045

Counties Served: Rankin, Hinds, Madison, Scott, Holmes, Leake, Lauderdale, Clark, Newton, Jasper, Smith, Neshoba, Kemper, Attala

Area 3 - Grenada Area Office
Thelma Glasco, Area Director
2330-D Sunset Dr.
Grenada, MS 38901
Phone: 662-226-4441 Fax: 1-844-325-7047

Counties Served: Grenada, Carroll, Montgomery, Sunflower, Leflore, Yazoo, Washington, Humphreys, Sharkey, Issaquena

Area 4 - Hattiesburg Area Office
Angela Long, Area Director
113 Fairfield Dr., Ste. 220
Hattiesburg, MS 39402
Phone: 601-261-3293 Fax:  1-844-325-7050

Counties Served: Harrison, Hancock, Pearl River, Stone, George, Forest, Jackson, Perry, Lamar, Covington, Greene, Jones, Wayne

Area 5 - Batesville Area Office
Renee Crafton, Area Director
175 Broom Ridge Rd., Ste. C
Batesville, MS 38606
Phone: 662-578-7008 Fax: 1-844-325-7037

Counties Served: Bolivar, Coahoma, Quitman, Tallahatchie, Panola, Lafayette, Marshall, Tunica, Tate, DeSoto, Yalobusha

Area 6 - Starkville Area Office
Clifton Russell
510 Highway 25 N., Ste. 3
Starkville, MS 39759
Phone: 662-323-8031 Fax: 1-844-325-7037

Counties Served: Lowndes, Clay, Noxubee, Alcorn, Benton, Prentiss, Tishomingo, Tippah, Union, Lee, Itawamba, Calhoun, Monroe, Chickasaw, Pontotoc, Oktibbeha, Choctaw, Webster, Winston

Trump Administration Appoints John G. Campbell USDA Rural Development State Director for Mississippi

WASHINGTON, D.C., July 1, 2020 – The Trump Administration today announced the appointment of John G. Campbellas the new State Director for USDA Rural Development in Mississippi. He starts his position on July 6, 2020.

“John Campbellbrings a wealth of experience to his new position, and I welcome him to the Rural Development team,” said USDA Deputy Under Secretary for Rural Development Bette Brand. “He will work tirelessly to strengthen the economies of Mississippi’s rural communities.”

Campbell is a native of Greenville, Miss. He graduated from Mississippi State University in 2001 with a Bachelor of Science degree and earned a Master of Business Administration degree from Delta State University in 2004. In 2006, he joined the Mississippi Department of Agriculture and Commerce (MDAC). During his 12 years at MDAC, Campbell held several positions, including State Entomologist, Director of the Bureau of Plant Industry, and Deputy Commissioner of Agriculture and Commerce. 

In 2018, he moved to Washington, D.C., to join the staff of United States Senator Cindy Hyde-Smith, where he provided leadership on a wide range of policy areas, including economic development, energy, telecommunications and agriculture. Campbell leverages nearly 15 years of experience in agricultural and rural issues, along with countless industry and constituent relationships to increase economic prosperity and improve the quality of life in Mississippi. 

As state director,Campbell will use his leadership experience to oversee Rural Development programs in a customer-focused manner to continue to restore prosperity in rural Mississippi.

Under the direction of Secretary Sonny Perdue, USDA will always be facts-based and data-driven, with a decision-making mindset that is customer-focused. Secretary Perdue leads USDA with four guiding principles: to maximize the ability of American agriculture to create jobs, sell foods and fiber, and feed and clothe the world; to prioritize customer service for the taxpayers; to ensure that our food supply is safe and secure; and to maintain good stewardship of the natural resources that provide us with our miraculous bounty. And understanding that we live in a global economy where trade is of top importance, Secretary Perdue has pledged to be an unapologetic advocate for American agriculture.

USDA Rural Development provides loans and grants to help expand economic opportunities and create jobs in rural areas. This assistance supports infrastructure improvements; business development; housing; community services such as schools, public safety and health care; and high-speed internet access in rural areas. For more information, visit https://www.rd.usda.gov/ms.

If you’d like to subscribe to USDA Rural Development updates, visit our GovDelivery subscriber page.

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USDA is an equal opportunity provider, employer and lender.

USDA loans remain the ideal choice for many first time buyers purchasing a home in Mississippi. The USDA mortgage program offers 100% financing in eligible rural locations throughout Miss.  In fact, nearly the entire state outside the immediate area of Jackson and Meridian remains eligible.

Homebuyers that want to to learn more can call us at the number above or just submit the short form on this page anytime. 

Before anyone gets very far in the mortgage application process, a loan officer experienced with the USDA program should be consulted. The loan officer will ask for the property address. Areas that are eligible for the USDA loan are identified by the United States Census Bureau. The Census Bureau surveys the United States Population every 10 years.

This information is then entered into a database and used by multiple government organizations and businesses in a variety of ways. From farming subsidies to rural business loans to housing, this data mine is tapped. With the USDA home loan, while a specific property is not directly approved, the area where the property is located is. The only valid source for eligible areas is those identified as rural by the Census Bureau. Eligible areas make up nearly 97 percent of the entire geographic area of the United States.

With regard to cash needed to close, USDA loans also offer a benefit to borrowers by not requiring a down payment. 100 percent of the purchase price can be financed into the loan. For closing costs, USDA loans ask for a 1.00 percent upfront fee which helps finance the loan guarantee to the lender. There is also an annual fee of 0.35 percent of the loan balance which is paid in monthly installments. For a $100,000 rural housing loan, the upfront fee rolled into the loan amount is $101,000. The monthly installment fee (similar to PMI) works out to about $29 added to the mortgage payment.

This loan guarantee is a guarantee to the lender and not a guarantee the applicant will be approved. Should a USDA loan ever go into default the lender is compensated for the loss. The two fees are indeed mortgage insurance premiums. Other loan programs that require mortgage insurance carry higher rates compared to the USDA program. Interest rates for USDA loans are also extremely competitive.

As it relates to loan options, the only option will be which rate to choose as the USDA loan is only offered as a fixed rate loan. It’s relatively easy to qualify for a USDA loan as the minimum credit score most lenders require is 620. If there are two or more individuals on the same application the lender will select the lowest middle score from the group.

Three scores are requested by the lender, one each from Equifax, Experian and TransUnion. Those who are just entering the credit markets or who do not use credit may not currently have credit scores. For this group, USDA loans accept what is referred to as “alternate” credit. Alternate credit looks at payment histories from at least three sources such as rent payments, insurance, daycare and the like.

There are also income limitations for USDA applicants and based upon the number of individuals 18 or older who will be living in the property. The current household income limits are $91,900 for 1-4 member households and $121,300 for 5-8 member households. For areas that are declared “high cost” the income limits are much greater. Note, this includes all occupants 18 years or older, not just those on the loan application.

The approval process for a USDA loan is much like any other program. The applicants submit a loan application for a property located in an approved area. At the same time, they submit information documenting their income such as recent paycheck stubs covering a 30 day period as well as copies of the last two years of W2 forms. Self-employed borrowers who do not have W2 forms will submit the last two years of federal income tax returns, both personal and business, as well as a year-to-date profit and loss statement.

It’s a simple process, really. The only major differences between the USDA loan and others is the geographic requirements and household income limits. For those that are looking for a loan to finance a home in a rural area, the USDA loan should get the first look.  Contact us today to learn more.

Mississippi’s USDA Loan Income Limits by County

When applying for a USDA or Rural Development Loan, Mississippi Residents must meet a few requirements. One of USDA Eligibility restriction is set in terms of maximum income limits. If the property is located within an eligible area, your annual income cannot exceed the current income limit set for that county.

Mississippi USDA Loan Adjusted Maximum Income Limits by County
Updated 05/01/2009

Do you want more information? Learn more about Rural Development Loans in Mississippi by contacting Consumer Real Estate Finance Co. today!