Tag: fha home inspection ky

How to qualify for a Kentucky FHA Home Loan ?


How to qualify for a Kentucky FHA Home Loan ?
How to qualify for a Kentucky FHA Home Loan ?

via How to qualify for a Kentucky FHA Home Loan ?

 

Kentucky FHA Loan Requirements for 2019

 

How do I qualify for an FHA loan in Kentucky?

Kentucky FHA loans allow buyers with down payments as little as 3.5% to buy a home, and with many state-sponsored down payment assistance programs like KHC or Kentucky Housing Agency down payment asssitance program of up to $6000 currently to use for your own down payment, Kentuck borrowers using FHA loans can  can get the loan with zero money down.

They’re are other down payment assistance programs in KEntucky see below:

KACO Down Payment Assistance Program

KHC Down Payment Assistance

Louisville Metro Housing Grant

Covington Kentucky Grants and Northern Kentucky Grants to Buy a Home

AFR Down Payment Assistance

Chenoa Fund Down Payment Assistance

Kentucky FHA loans allow up to a  higher debt to income ratio than conventional loans which are restricted to 45 to 50% debt to income ratio, which is much lower  than most Kentucky FHA loans. That means more Kentucky FHa  buyers can qualify for a home loan in case if  your co-borrower cannot go on the loan due to credit issues.

Do I qualify for an FHA loan in Kentucky?

They’re are many FHA Kentucky loans requirements, which can be confusing. Some lenders are tougher and will not lend even though FHA will insure the loan. So check around on your FHA loan questions

  • Buy a property you will use as your primary residence
  • Your credit score must meet the minimum requirements of the FHA and the lender (FHA requires a minimum of 500 for 10% down and 580 for 3.5% down; however, lenders often require higher minimums)
  • The property you want to buy has to meet the FHA criteria and get approved
  • Must meet debt-to-income requirements
  • Clear Cavirs number
  • 3 years removed from foreclosure sale date
  • 2 years removed from Chapter 7 Bankruptcy
  • 1 year in Chapter 13 plan with good pay history and permission from trustee

 

For a detailed explanation of the requirements, you can read the HUD handbook and check with prospective lenders.

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). USDA Mortgage loans only offered in Kentucky.

All loans and lines are subject to credit approval, verification, and collateral evaluation

Joel Lobb
Senior  Loan Officer
(NMLS#57916)
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.


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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

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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.