农业部扩围农村住房担保贷款委托授权试点：新增六家贷款机构，12月1日起可全权办结贷款
华盛顿——美国农业部（USDA）农村发展局10月22日宣布，扩大单户住房担保贷款计划的委托授权贷款机构交互测试环境（LITE）试点，新增六家贷款机构参与：Bangor Savings Bank、Fairway Independent Mortgage Corporation、New American Funding, LLC、PennyMac Loan Services, LLC、Pulte Mortgage 与 Union Home Mortgage Corporation。六家机构将于2026年12月1日起正式加入试点。
按试点安排，获准的贷款机构可以在监管指引范围内全权负责 USDA 住房贷款的办结，农村发展局把贷前审批要求下放给试点机构、自身只做最低限度介入。农业部称，这一流程让贷款机构能更快办结按揭贷款，也减少政府投入的时间与资源。
农村住房服务局局长 George Kelly 表示，在总统特朗普与农业部长 Brooke Rollins 的领导下，扩大委托授权 LITE 试点将在保持严格承保标准的同时加快 USDA 贷款办理，获准机构将对贷款发放与审批承担更大责任，减少延误，帮助更多农村借款人实现购房。
农业部介绍，单户住房担保贷款计划让获准贷款机构可以为农村地区符合条件的中低收入家庭提供100%融资、零首付贷款，农业部为贷款提供90%担保。借款人可用这类贷款购买现房、新建住房，或支付住房修缮、改善与搬迁的费用。
USDA Expands Delegated Authority Pilot for Rural Housing Guaranteed Loans: Six More Lenders Join December 1
WASHINGTON — U.S. Department of Agriculture (USDA) Rural Development on October 22 announced the expansion of the Delegated Authority Lender Interactive Test Environment (LITE) Pilot Program for the Single Family Housing Guaranteed Loan Program, selecting six additional lenders to participate: Bangor Savings Bank; Fairway Independent Mortgage Corporation; New American Funding, LLC; PennyMac Loan Services, LLC; Pulte Mortgage; and Union Home Mortgage Corporation. The six lenders will begin participating on December 1, 2026.
The pilot streamlines the mortgage lending process by allowing approved lenders to assume full responsibility for closing USDA home loans within regulatory guidelines. USDA Rural Development delegates the pre-closing approval requirement to the approved pilot lender with minimal agency involvement, which the department said enables lenders to close mortgage loans more quickly and reduces the government's time and resource needs.
Rural Housing Service Administrator George Kelly said that under President Trump and Agriculture Secretary Brooke Rollins, expanding the pilot will accelerate USDA lending while maintaining strong underwriting standards, with approved lenders taking greater responsibility for loan origination and approval, reducing delays and helping more rural borrowers achieve homeownership.
Through the Single Family Housing Guaranteed Loan Program, Rural Development provides approved lenders the ability to offer 100 percent financed, no money-down loans to eligible low- and moderate-income households in rural areas, with USDA backing a 90 percent loan guarantee. With a guaranteed loan, homebuyers can buy an existing home, build a new one, or cover the cost of rehabilitating, improving or relocating a home.
来源：GSM·美国（原文链接）
图片来源：图：位于华盛顿的农业部总部 Jamie L. Whitten Building（USDA 图，Lance Cheung 摄，公共领域，Wikimedia Commons）
