Category: VA Homes for Sale in KY

Kentucky VA loans skyrocket in popularity for first-time home buyers


via Kentucky VA loans skyrocket in popularity for first-time home buyers

VA Underwriting Changes

 

VA has just revised Chapter 4 – Credit Underwriting and Chapter 11 – Appraisal Requirements (now named Appraisal Reports) of their underwriting guidelines. These changes will take effect for all VA loans beginning May 23rd, 2019. Major changes are as follows, but the documents have been revised throughout so it is recommended that everyone review them HERE.
  • Borrowers using rental income from a non-subject property to qualify need to document a minimum 2 year rental history and 3 months reserves PITI for each rental property (excluding property being vacated and turned into a rental). When no mortgage exists on a rental property, 3 months reserves must still be provided that cover taxes, insurance, HOA dues, and any other fees documented for the property. These reserves cannot come from equity, gift funds, or any loan proceeds.
  • Rental income from boarders can now be used as qualifying income provided
    • A 2 year history of tax returns can be provided showing boarder income generated by the property; AND
    • The use of the property for boarder rental cannot impair the residential nature of the property and cannot exceed 25% of the property’s total floor area
  • Alimony, child support, and maintenance require at least 3 years continuance to be considered effective income.
  • For payment plans after a judgment, VA will generally require 12 months of timely payments before credit is considered reestablished. A shorter repayment history may be considered if it can be determined that the borrower addressed the judgment responsibly and began a repayment plan immediately after it was filed. If borrower has missed payments within the last 12 months, they will be ineligible for financing even if the debt is paid in full.
  • For voluntary short sales or deeds-in-lieu where the borrower was current on their payments at the time the property was surrendered, no minimum derogatory credit waiting period will be required.
  • VA’s list of required Appraisal Report Contents has been updated and now includes specific photographs required on the appraisal (refer to VA Chapter 11: Topic 3: Appraisal Report Contents for full list).
  • VA Chapter 11: Topic 4: Gross Living Area has been added to provide direction in determining the Gross Living Area of the property.
  • Other sections have been updated to include guideline changes from previous VA Circulars.

Kentucky VA loans skyrocket in popularity for first-time home buyers


Kentucky VA Mortgage Lendersvia Kentucky VA loans skyrocket in popularity for first-time home buyers

Kentucky VA Loan Credit Score Requirements


via Kentucky VA Loan Credit Score Requirements

 

Louisville Kentucky VA Home Loans Frequently Asked Questions

Frequently Asked Questions

  1. What is a COE? Where can I get one?
  2. COE stands for Certificate of Eligibility. This certificate proves that you are a veteran and, therefore, eligible for a VA-guaranteed home loan. Mortgage companies that work with AllMilitary can get a COE for you during the loan process.
  3. How do interest rates fluctuate?

    Interest rates can change daily, sometimes even a couple times a day. They are based on the 30-year mortgage bond and many other market factors. Credit, employment status, loan program and many other factors can also affect interest rates.

  4. Why should I use my VA home loan benefit?

    The VA loan program helps active duty and retired military personnel purchase homes. The VA will guarantee 100% financing on a home at a competitive rate, without you having to pay mortgage insurance. The VA also limits the types of fees that can be charged, protecting you against predatory lending.

  5. What is a funding fee? Do I have to pay for this?

    The VA funding fee is a fee added to loans. The Department of Veterans Affairs uses these fees to help fund its VA loan program. The first time you use a VA loan, the funding fee will be 2.15% of the loan amount. For each subsequent use, the funding fee will be 3.3%. You will be required to pay it, unless you have a service-related disability of 10% or greater, in which case the funding fee is waived.

  6. What does a VA lender need from me to see if I qualify for a loan?

    A VA lender will want to know your income and debts, and your social security number so that your credit history can be checked. After you supply this information to a lender, it will contact you in a few hours to let you know if you are eligible for a VA loan.

  7. What are the benefits of a VA loan?

    A VA loan offers 100% financing with no mortgage insurance fees. The loan is assumable, and you are eligible for streamlined refinancing if rates go down. A VA loan also offers great rates and is less strict on credit than most conventional loans.

  8. Can I get an interest-only loan?

    Interest-only options are unvailable with VA loans. However, many VA-approved lenders offer interest-only conventional loans.

  9. Can I purchase only land with a VA loan?

    No, VA loans are for home purchases and new home construction. The VA will not approve a loan that is only for land. However, you may use a VA loan to purchase a lot for a manufactured home.

  10. May I use my VA eligibility more than once?

    Yes, but in most cases you can only hold one VA loan at a time. After the first home loan is paid in full, your eligibility will be restored for another loan.

  11. What is the funding fee for a second VA loan?

    The funding fee is 3.3 %. But with a 5% down payment, the funding fee drops to 1.5%.

  12. How important is my credit score to the VA?

    The VA does not emphasize credit scores as much as conventional lenders. However, it does looks for a clear credit history in the borrower’s previous 12 months.

  13. Can a family member use their grandparent’s or parent’s eligibility to qualify for a VA loan?

    No, only a veteran or the surviving spouse of a veteran killed during active duty is eligible for VA loan benefits. Active duty servicemembers also are eligible if the home they are purchasing will be a permanent residence and they are within 60 days of moving in.

  14. Can I use a co-borrower to help get approval?

    VA guidelines only allow a spouse as a co-borrower. However, many VA-approved lenders offer conventional financing, which may be more suitable if a co-borrower other than a spouse is needed to secure a loan.

  15. May my spouse co-sign so that I can get a larger VA loan?

    Your spouse may co-sign in order to help you qualify for a VA loan. However, your spouse’s liabilities, in addition to your spouse’s income, will be considered when determining eligibility and loan amount.

  16. Can I have two VA loans at once?

    No. You can have only one VA loan at a time, and it must be used for a home that is your primary residence. After you pay off that loan, you are eligible for another VA loan.

  17. Does it cost anything to prequalify for a VA loan?

    No, it does not. The VA loan specialists that work with VAJoe do not charge prequalification fees.

  18. What are the differences between VA loans and a conventional loans?

    The main differences are that VA loans are guaranteed by the Veterans Administration, they require no money down, and they usually are easier to qualify for than conventional loans.

  19. Are VA loan rates the same as conventional rates? Better? Worse?

    Some days VA rates are better, some days they are worse. It depends on many market factors. However, VA loan rates are always close to conventional rates.

  20. Does my credit score affect my VA loan rate?

    No. Your credit score has no impact on VA loan rates. It can affect rates for a conventional loan.

  21. If I filed bankruptcy, can I still get a VA loan? How long must I wait after filing?

    Yes, you are still eligible for a VA loan. You must be at least one year out of Chapter 13 bankruptcy or two years out of Chapter 7. You also must have no late payments in the year leading up to applying for the loan.

  22. Can a friend co-sign my VA loan?

    Only spouses can co-sign on VA loans. However, other loans, such as conventional home loans and FHA loans, may allow a friend to co-sign.

  23. As a veteran, will my VA loan entitlement ever expire?

    Your entitlement never expires. However, your Certificate of Eligibility may need to be renewed if it is older than 12 months.

  24. How much can I borrow with a VA home loan?

    You may be able to borrow enough to cover 100% of your home purchase and could qualify for up to a $417,000 loan. In Alaska and Hawaii, the loan guarantee limit is $625,000. On a refinance you can borrow up to 90% of the appraised value of your home.

  25. May I use a VA loan to invest in real estate?

    A VA loan may only be used for a home that you intend to live in as your primary residence.

  26. Are VA loans provided by the U.S. government?

    The Department of Veterans Affairs does not actually loan the money for VA loans. It insures loans that VA-approved lenders provide, which allows borrowers to get loan amounts for 100% of the appraised value of a home.

  27. What is an adjustable-rate VA loan?

    An adjustable-rate loan starts off at a slightly lower interest rate than a fixed-rate loan. Most often it stays at this rate for three, five or seven years. After that, the interest rate changes every year to the current interest rate.

  28. What is a fixed-rate VA loan?

    A fixed-rate loan has an interest rate that stays the same. The interest rate at the time the loan is finalized is the interest rate for the life of the loan.

  29. Do I need a down payment with a VA loan?

    A VA loan covers 100% of the value of a home, so a down payment is not required. However, you have to pay any closing costs. But the seller can pay these closing costs for you up to an amount that equals 6% of the home’s value. This usually is more than enough to cover closing costs, so you can move into a home with no money out of pocket.

  30. May I use a VA loan for a vacation home?

    No, a VA loan can only be for your primary residence.

  31. If I am on active duty, can I get a VA loan?

    Yes, if the home will be your permanent residence and you are within 60 days of moving in.

  32. My realtor has implied that VA appraisers do poor work. Is this true?

    No. VA appraisers protect buyers. VA loans are government-backed, so VA appraisers need to make sure homes meet government safety and quality guidelines

 

Edit

2019 Kentucky BAH (Basic Allowance Housing) Rates


VA-Loan-Border

via 2019 Kentucky BAH (Basic Allowance Housing) Rates

 

  • See the 2019 Basic Allowance for Housing rates update here.

    MHA: KY106 – Military Housing Area Name: FORT CAMPBELL, KY

    GRADE WITH DEPENDENTS WITHOUT DEPENDENTS
    E01 $1,242 $999
    E02 $1,242 $999
    E03 $1,242 $999
    E04 $1,242 $999
    E05 $1,263 $1,137
    E06 $1,401 $1,218
    E07 $1,569 $1,245
    E08 $1,752 $1,314
    E09 $1,899 $1,425
    W01 $1,413 $1,242
    W02 $1,647 $1,290
    W03 $1,872 $1,428
    W04 $1,911 $1,440
    W05 $1,959 $1,602
    O01E $1,605 $1,263
    O02E $1,833 $1,374
    O03E $1,917 $1,437
    O01 $1,281 $1,215
    O02 $1,398 $1,257
    O03 $1,860 $1,431
    O04 $1,971 $1,578
    O05 $2,046 $1,683
    O06 $2,067 $1,857
    O07 $2,082 $1,902

    MHA: KY107 – Military Housing Area Name: LEXINGTON, KY

    GRADE WITH DEPENDENTS WITHOUT DEPENDENTS
    E01 $1,119 $852
    E02 $1,119 $852
    E03 $1,119 $852
    E04 $1,119 $852
    E05 $1,197 $969
    E06 $1,461 $1,092
    E07 $1,473 $1,122
    E08 $1,482 $1,251
    E09 $1,569 $1,329
    W01 $1,470 $1,104
    W02 $1,479 $1,248
    W03 $1,491 $1,338
    W04 $1,605 $1,458
    W05 $1,752 $1,464
    O01E $1,476 $1,197
    O02E $1,485 $1,311
    O03E $1,623 $1,452
    O01 $1,230 $1,038
    O02 $1,458 $1,170
    O03 $1,488 $1,362
    O04 $1,803 $1,461
    O05 $2,043 $1,533
    O06 $2,061 $1,545
    O07 $2,076 $1,557

    MHA: KY109 – Military Housing Area Name: LOUISVILLE, KY

    GRADE WITH DEPENDENTS WITHOUT DEPENDENTS
    E01 $1,377 $1,053
    E02 $1,377 $1,053
    E03 $1,377 $1,053
    E04 $1,377 $1,053
    E05 $1,491 $1,182
    E06 $1,713 $1,281
    E07 $1,728 $1,380
    E08 $1,743 $1,539
    E09 $1,824 $1,602
    W01 $1,722 $1,341
    W02 $1,737 $1,536
    W03 $1,758 $1,611
    W04 $1,851 $1,713
    W05 $1,962 $1,722
    O01E $1,731 $1,491
    O02E $1,749 $1,587
    O03E $1,866 $1,704
    O01 $1,521 $1,257
    O02 $1,710 $1,452
    O03 $1,755 $1,629
    O04 $2,001 $1,719
    O05 $2,184 $1,725
    O06 $2,202 $1,740
    O07 $2,220 $1,782

    MHA: KY110 – Military Housing Area Name: FORT KNOX, KY

    GRADE WITH DEPENDENTS WITHOUT DEPENDENTS
    E01 $843 $651
    E02 $843 $651
    E03 $843 $651
    E04 $843 $651
    E05 $894 $735
    E06 $1,119 $837
    E07 $1,215 $912
    E08 $1,314 $987
    E09 $1,437 $1,077
    W01 $1,131 $849
    W02 $1,257 $942
    W03 $1,383 $1,080
    W04 $1,461 $1,140
    W05 $1,551 $1,230
    O01E $1,233 $924
    O02E $1,359 $1,020
    O03E $1,473 $1,113
    O01 $924 $786
    O02 $1,116 $915
    O03 $1,377 $1,083
    O04 $1,581 $1,215
    O05 $1,728 $1,296
    O06 $1,743 $1,368
    O07 $1,755 $1,401

    MHA: KY339 – Military Housing Area Name: FRANKFORT, KY

    GRADE WITH DEPENDENTS WITHOUT DEPENDENTS
    E01 $891 $684
    E02 $891 $684
    E03 $891 $684
    E04 $891 $684
    E05 $942 $780
    E06 $1,053 $843
    E07 $1,140 $891
    E08 $1,239 $966
    E09 $1,356 $1,017
    W01 $1,062 $882
    W02 $1,182 $963
    W03 $1,305 $1,020
    W04 $1,374 $1,071
    W05 $1,455 $1,155
    O01E $1,158 $942
    O02E $1,284 $990
    O03E $1,386 $1,044
    O01 $957 $837
    O02 $1,050 $927
    O03 $1,299 $1,023
    O04 $1,485 $1,143
    O05 $1,617 $1,212
    O06 $1,629 $1,290
    O07 $1,641 $1,323

    MHA: KY430 – Military Housing Area Name: PADUCAH, KY

    GRADE WITH DEPENDENTS WITHOUT DEPENDENTS
    E01 $948 $735
    E02 $948 $735
    E03 $948 $735
    E04 $948 $735
    E05 $1,023 $819
    E06 $1,254 $939
    E07 $1,323 $993
    E08 $1,392 $1,071
    E09 $1,485 $1,137
    W01 $1,266 $951
    W02 $1,353 $1,068
    W03 $1,443 $1,149
    W04 $1,503 $1,269
    W05 $1,572 $1,332
    O01E $1,335 $1,023
    O02E $1,425 $1,125
    O03E $1,512 $1,248
    O01 $1,053 $867
    O02 $1,251 $999
    O03 $1,437 $1,170
    O04 $1,596 $1,320
    O05 $1,707 $1,359
    O06 $1,722 $1,428
    O07 $1,734 $1,464

    About half the U.S. Counties (about 1,500) have little to no military population. While half the zip codes is significant, less than two percent of service members that are eligible for Basic Allowance for Housing (BAH) are within these counties. In order to account for these service members there are approximately 30 separate County Cost Groups (CCGs) assigned, each with similar housing costs. Use the BAH Calculator to enter your zip code to determine your Military Housing Area (MHA) aka County Cost Group. They range from ZZ530 to ZZ890 in increments of 10.

    Military bases in Kentucky (not a complete list):

    • Fort Campbell, Hopkinsville, Kentucky
    • Fort Knox, Hardin, Kentucky

    BAH rates listed are for all branches of the military; Air Force, Army, Coast Guard, Marines, Navy and Reserves forces, where applicable.

    Read more: https://militarybenefits.info/bah-rates-state/kentucky/#ixzz53FBXIkEB

Louisville Kentucky VA Approved Condos

BAHd are for all branch’s of the military; Air Force, Army, Coast Guard, Marines, Navy and Reserves forces, where applicable.

Joel Lobb (NMLS#57916)
Senior  Loan Officer
Text or Call 502-905-3708 cell
kentuckyloan@gmail.com
http://www.mylouisvillekentuckymortgage.com/


This web site is not the FHA, VA, USDA, HUD or any other government organization responsible for managing, insuring, regulating or issuing residential mortgage loans.
All approvals and rates are not guaranteed, and are only issued based on standard mortgage qualifying guidelines

2019 Kentucky BAH (Basic Allowance Housing) Rates

 

 

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Your Complete Guide to the Kentucky VA Loan for 2019


via Your Complete Guide to the Kentucky VA Loan for 2019

What are the Kentucky FHA Credit Score Requirements for 2019 Mortgage Loan Approvals?


via What are the Kentucky FHA Credit Score Requirements for 2019 Mortgage Loan Approvals?

 

what does your credit need to be to buy a house in ky?

 

The lenders I currently deal with have the following fico cutoffs for credit scores:
As you can see, different government-backed loan programs have different minimum score requirements with most lenders for a FHA, VA, or Fannie Mae loan, and 620  is required for the no down payment programs offered by USDA and KHC in Kentucky for First Time Home Buyers wanting to go no money down.

A Complete Guide to Closing Costs

Joel Lobb
Senior  Loan Officer
(NMLS#57916)
 Company ID #1364 | MB73346

 unnamed (2) (1)

text or call my phone: (502) 905-3708
email me at kentuckyloan@gmail.com

 

 

The view and opinions stated on this website belong solely to the authors, and are intended for informational purposes only. The posted information does not guarantee approval, nor does it comprise full underwriting guidelines. This does not represent being part of a government agency. The views expressed on this post are mine and do not necessarily reflect the view of my employer. Not all products or services mentioned on this site may fit all people. NMLS ID# 57916, (www.nmlsconsumeraccess.org). Mortgage loans only offered in Kentucky.
All loans and lines are subject to credit approval, verification, and collateral evaluation and are originated by lender. Products and interest rates are subject to change without notice. Manufactured and mobile homes are not eligible as collateral.

6 options for buying a home with little or no money down in Kentucky


via 6 options for buying a home with little or no money down

 

First Time Home Buyer Options for  Kentucky Homebuyers in 2019

 

Kentucky VA Home Loan Credit Issues


via Kentucky VA Home Loan Credit Issues

 

VA Links

Related Links – Home Loan Links

FREQUENTLY ASKED QUESTIONS FOR KENTUCKY VA MORTGAGE LOANS


via FREQUENTLY ASKED QUESTIONS FOR KENTUCKY VA MORTGAGE LOANS

 

 

 

Getting a Home Inspection In Louisville Kentucky- List of Home Inspectors Louisville, KY


via Getting a Home Inspection In Louisville Kentucky- List of Home Inspectors Louisville, KY

Related image

 

 

 

Kentucky Approved HUD Home Inspector List below I

HUD’s Inspector Roster was eliminated effective August 2, 2018, as announced in Federal Register Docket No. FR-5457-F-02, dated July 3, 2018.

Inspectors as of 12/21/2018
(45 records were selected, 45 records displayed.)
Name ID Number Address Phone Status Approval State
WILOUGHBY, DANNY G A022 215 CLUB OAK COURT
LOUISVILLE, KY 40223
(502) 653-3688 Active KY
AUBREY, DELMUS A380 3903 BOWMAN LANE
CHATTANOOGA, TN 37416
(423) 954-2655 Active KY
PAPPERT, CHRIS F A901 4880 MARYBROOK DR
KETTERING, OH 45429
(937) 436-3676 Active KY
EPLING, RICHARD J B387 121 NORTH CUMBERLAND ST
MORRISTOWN, TN 37814
(423) 581-5583 Active KY
FLICK, FERDINAND J B637 3771 POWNER RD
CINCINNATI, OH 45248
(513) 574-5784 Active KY
TOLLIVER, JAMES R B931 POST OFFICE BOX 304
MOUNT WASHINGTON, KY 40047
(502) 428-6361 Active KY
JONES, TIMOTHY E C894 6960 US RTE 52
RIPLEY, OH 45167
(937) 392-1561 Active KY
HUFF, TONY D730 2200 AIRPORT RD, SUITE 60
OWENSBORO, KY 42301
(270) 686-8525 Active KY
GILBERT, DOUGLAS W E074 225 SUBSTATION ST
LONDON, KY 40741
(606) 878-9265 Active KY
MCCRACKEN, GARY D E404 403 SUNSET DR
LAWRENCEBURG, KY 40342
(502) 680-5066 Active KY
CONNOLLY, MICHAEL E412 508 MARCIA AVE
HAMILTON, OH 45013
(513) 896-5434 Active KY
HOLLAND, CHARLES T F096 405 GLENVIEW HTS
NEW ALBANY, IN 47150
(812) 948-1333 Active KY
HOLLAND, CHARLES T F096 405 GLENVIEW HTS
NEW ALBANY, IN 47150
(812) 948-1333 Active KY
CARR, THOMAS F G177 2805 KEARNEY CREEK LANE
LEXINGTON, KY 40511
(859) 396-0607 Active KY
SCHUTZMAN, JOSEPH A H965 2472 KREMERS LANE
VILLA HILLS, KY 41017
(859) 341-8582 Active KY
TERRY, WAYNE I920 253 MASSEY LANE
CARYVILLE, TN 37714
(865) 426-7614 Active KY
VOTOLATO, FRANK J I969 266 NORWOOD DRIVE
EAST BERNSTADT, KY 40729
(606) 843-0162 Active KY
TODD, WILLIAM J716 129 DONNA DRIVE
HOPKINSVILLE, KY 42240
(270) 885-4700 Active KY
BUTCHER, BRAD S J980 PO BOX 996
SOMERSET, KY 42503
(606) 451-0695 Active KY
SWINDLER, ROBERT M K001 1811 ABERDEEN DRIVE
LOUISVILLE, KY 40205
(502) 452-9623 Active KY
POYNTER, DARRELL F K421 1244 BETHLEHEM ROAD
PARIS, KY 40361
(859) 421-4966 Active KY
GREGORY, WILLIAM M043 5945 ABBOTT DR.
NASHVILLE, TN 37211
(615) 331-8495 Active KY
ELKINS, HUGH M320 P.O. BOX 627
RUSSELLVILLE, AL 35653
(256) 332-4157 Active KY
YOUNG, DON L N031 160 FERNWOOD DRIVE
LONDON, KY 40741
(606) 224-2495 Active KY
BOTTS, KENNETH G N291 720 HIGHLAND AVE
FLATWOODS, KY 41139
(606) 615-4454 Active KY
ROHRBACK, JEFF L N729 1081 SULPHUR WELL ROAD
NICHOLASVILLE, KY 40356
(859) 887-5992 Active KY
KIPER, TROY K N939 5101 MT HOLYOKE DRIVE
LOUISVILLE, KY 40216
(502) 608-3474 Active KY
JONES, ROBERT B Q082 100 RACHELS COURT
HENDERSONVILLE, TN 37075
(615) 824-4060 Active KY
PARSON, JOSEPH A Q297 450 BASELINE DRIVE
MOREHEAD, KY 40351
(606) 462-7017 Active KY
SHRUM, JERRY S012 605 GAYLEMORE
GOODLETTSVILLE, TN 37072
(615) 851-8630 Active KY
WILDER, LARRY S017 1224 MELINDA FERRY ROAD
BULLS GAP, TN 37711
(423) 923-4087 Active KY
HARDEN, LES H S289 33 LUMLEY AVE
FORT THOMAS, KY 41075
(859) 640-9376 Active KY
WOOSLEY, DWAINE T023 6210 ELANOR COURT
FLOYDS KNOBS, IN 47119
(502) 643-6937 Active KY
BRUNS, SCOTT A T967 339 BRIARCLIFF ROAD
DAYTON, OH 45415
(937) 545-6664 Active KY
WRIGHT, GARY U254 97 TOLLGATE TRAIL
LONGWOOD, FL 32750
(407) 647-1800 Active KY
CAMPBELL, ERNEST U433 802 BUFFALO ST., #12
JOHNSON CITY, TN 37604
(423) 928-1000 Active KY
CARPENTER, BOBBY M V373 5 BATH AVENUE
OWINGSVILLE, KY 40360
(606) 674-2554 Active KY
SCOTT, THAD W W658 4569 LONGBRIDGE LN
LEXINGTON, KY 40515
(859) 457-1451 Active KY
SPEARS, JAMES C W717 143 TUFTS LN
FAKKUBG WATERS, WV 25419
(304) 274-3720 Active KY
GAGE, KERRY R X236 195 MITCHELL DRIVE
VINE GROVE, KY 40175
(270) 635-3870 Active KY
CLOYD, RUSSELL G X533 10960 EAST BEND RD
UNION, KY 41091
(859) 586-9170 Active KY
POYNTER, ROBERT X985 4389 MARY INGLES HIGHWAY
COLD SPRING, KY 41076
(859) 802-8561 Active KY
CHILDERS, MICHAEL S Y141 185 RAVENSWOOD DRIVE
ELIZABETHTOWN, KY 42701
(270) 737-4226 Active KY
BOWLING, JACK J Z723 P.O. BOX 88
BONNYMAN, KY 41719
(606) 436-6214 Active KY
COREY SR, DAVID L Z912 777 LOCKHOUSE ROAD
FALLING WATERS, WV 25419
(304) 274-9000 Active KY

 

 


Text/call 502-905-3708

kentuckyloan@gmail.com

 
American Mortgage Solutions, Inc.
10602 Timberwood Circle Suite 3
Louisville, KY 40223
Company ID #1364 | MB73346
 
http://www.nmlsconsumeraccess.org/
If you are an individual with disabilities who needs accommodation, or you are having difficulty using our website to apply for a loan, please contact us at 502-905-3708.

Disclaimer: No statement on this site is a commitment to make a loan. Loans are subject to borrower qualifications, including income, property evaluation, sufficient equity in the home to meet Loan-to-Value requirements, and final credit approval. Approvals are subject to underwriting guidelines, interest rates, and program guidelines and are subject to change without notice based on applicant’s eligibility and market conditions. Refinancing an existing loan may result in total finance charges being higher over the life of a loan. Reduction in payments may reflect a longer loan term. Terms of any loan may be subject to payment of points and fees by the applicant  Equal Opportunity Lender. NMLS#57916http://www.nmlsconsumeraccess.org/

— Some products and services may not be available in all states. Credit and collateral are subject to approval. Terms and conditions apply. This is not a commitment to lend. Programs, rates, terms and conditions are subject to change without notice. The content in this marketing advertisement has not been approved, reviewed, sponsored or endorsed by any department or government agency. Rates are subject to change and are subject to borrower(s) qualification.