From your zip you must be somewhere towards the east of the country. I am on the west coast. I think the program must be similar throughout the US with different loan limitations; as it is a government program. Here we have maps that tell you exactly what area qualify for the rural program. I am sure it is the case in your area. All lenders that do government loans have access to the map system. If you are house hunting you must have contacted a lender, ask them for the info for your area. If they do not have it call another lender, some will not be approved to do the loans but many are, you just have to find one. If you already have a Realtor he or she really should be finding this type of lender for you. Ask your Realtor to do this for you, that's part what we do!
Prudential CA Realty