2014 First Time Home Buyer Programs Louisville Kentucky


First Time Home Buyer Programs Louisville Kentucky.

 

Government Mortgage Products available to Kentucky First Time Home Buyers in 2014

KENTUCKY FHA MORTGAGE LOANS

  • Min FICO 600
  • Non-Occupant co-borrowers allowed
  • 100% Gifts Allowed from family members
  • Manual UW allowed but must keep debt to income ratios at 29/41% respectively and have a verifiable rent history ox30
  • Non-credit qualify Streamlines — No income or credit report required
Kentucky FHA First Time Home Buyer Loans for 2014
Kentucky FHA First Time Home Buyer Loans for 2014

 

 

 

 

 

 

 

KENTUCKY VA MORTGAGE LOANS

  • Min FICO 620
  • Manual UW
  • 100% Cash Out and Zero Down Payment Home loans. Must have COE
  • IRRRL — OR KENTUCK VA STREAMLINE REFINACE
Kentucky VA Mortgage Lender Guidelines for 2014
Kentucky VA Mortgage Lender Guidelines for 2014

 

 

 

 

 

 

 

 

 

 

 

 

KENTUCKY RURAL HOUSING AND USDA RURAL HOUSING LOANS

  • Min FICO 620
  • 100% Max LTV, no money down financing.
  • Manual UW but must have debt to income ratios of 29 and 41% respectively with a verifiable rent history 0x30
  • 100% Gift Funds allowed
kentucky usda rural housing loan programs for 2014
Kentucky usda rural housing loan programs for 2014

 

 

 

 

 

 

 

Kentucky Conventional Housing Loans

Fannie Mae

  • 95% Financing available
  • Lower mortgage insurance premiums than FHA and max loan is about $100k higher in Kentucky for A Fannie Mae Loan vs. FHA Loan

 

Kentucky Fannie Mae Mortgage Guidelines for 2014
Kentucky Fannie Mae Mortgage Guidelines for 2014

 
Flex-Banner Apply for a free mortgage pre-approval qualificaton today.
Joel Lobb
Senior  Loan Officer

(NMLS#57916)
 
American Mortgage Solutions, Inc.
800 Stone Creek Pkwy, Ste 7,
Louisville, KY 40223
 Fax:     (502) 327-9119
 
 Company ID #1364 | MB73346

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Author: Louisville Kentucky Mortgage

I have helped over 589 Kentucky families buy or refinance their home over the last 18 years. Realizing that this is one of the biggest, most important financial transactions a family makes during their lifetime, I always feel honored and respected when I am chosen to originate their personal home loan. You can count on me to deliver on what I say, and I will always give you honest, up-front personal attention you deserve during the loan process. I have several advantages over the large banks in town. First, I can search and negotiate for your loan options through several different mortgage companies across the country to get you the best deal locally. Where most banks will offer offer you their one set of loan products. I have access to over 10 different mortgage companies to broker your loan through to get you the best pricing and loan products that may not fit into the bank's program due to credit, income, or other underwriting issues. You will not get lost in the shuffle like most borrowers do at the mega banks; you're just not a number at our company, you are a person and we will treat you like one throughout the entire process. Give us a try or let us compare your options on your next mortgage transaction. Call me locally at 502-905-3708. Free Mortgage Pre-Qualifications same day on most applications. Email me at kentuckyloan@gmail.com with your questions I specialize in Kentucky FHA, VA ,USDA, KHC, Conventional and Jumbo mortgage loans. I am based out of Louisville Kentucky. For the first time buyer with little money down, we offer Kentucky Housing or KHC loans with down payment assistance. This website is not an government agency, and does not officially represent the HUD, VA, USDA or FHA or any other government agency. NMLS# 57916 http://www.nmlsconsumeraccess.org/ Joel Lobb Senior Loan Officer (NMLS#57916) American Mortgage Solutions, Inc. 800 Stone Creek Pkwy, Ste 7, Louisville, KY 40223 phone: (502) 905-3708 Fax: (502) 327-9119 kentuckyloan@gmail.com Company ID #1364 | MB73346 http://mylouisvillekentuckymortgage.com Equal Housing Lender

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