Kentucky USDA Mortgage Loans down to a 620 Credit Score.


USDA 620+ MIN FICONO OVERLAYS!!!!(GUS ACCEPTS AND REFERS)
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620+ MIN FICO– REFERS AND GUS ACCEPTS!620+ – YES WE DO REFERS!(29/41 MAX RATIOS)U/W DIRECTLY TO RD MANUAL GUIDES620+ GUS ACCEPTS – NO OVERLAYS – follow GUS findings101% LTV of appraised valueRatios to 32/44 w/ 620+ and GUS approval w/ comp. factors for debt waiver0.35% Annual Fee, 1% Guarantee FeeWe Accept Transfer Appraisals – No Problem on all loansFile sent to RD within 24 Hours of UW clear!File sent to docs within 24 Hours of Receipt of the RD commitmentUp to 6% seller concessions allowed620+ – GUS Accept – must have 2 trades for 12 months(open/closed) – or manual downgrade
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620 – scores OK!29/41 max ratiosVOR or 12 months cancelled rents checks requiredTradelines or alt tradelines requiredMedical collections & charge off accounts ignored – consumer collections follow HUD $2000 guidelines (Call us for details!)Minimal lates allowed in past 12 months