I specialize in Kentucky First Time Homebuyers FHA, VA, USDA & Rural Housing, KHC and Fannie Mae mortgage loans. I have helped over 900 Kentucky families buy their first home and refinance their current mortgage for a lower rate; Kentucky First time buyers $0 down still available with down payment assistance with KHC. Free Mortgage applications same day approvals. Web site is not endorsed by the FHA, VA, USDA govt agency. Text/call 502-905-3708 kentuckyloan@gmail.com NMLS 57916 NMLS ID 1364
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- 4 Things Required for a KY Mortgage Loan Approval
- Down Payment Assistance Kentucky 2024 Kentucky Housing Corporation KHC
- Credit Scores Required For A Kentucky Mortgage Loan Approval in 2024
- Kentucky First-time Home Buyer Programs
- Kentucky FHA Mortgage Information
- Kentucky VA Mortgage Loan Information
- USDA Rural Housing Kentucky Loan Information
- Zero Down Kentucky Mortgages
- First-time Home-buyers in Kentucky
- Documents Needed Mortgage Approval in Kentucky
- Free Credit Score Booklet
- Do's & Dont's before closing:
- Closing Costs Kentucky Mortgage
- Lock Kentucky Mortgage Loan Rate
- Home Inspections Kentucky
- Home
- Accessibility Statement
- Legal / Privacy Policy / Accessibility Statements
Kentucky First Time Home Buyer Mortgage Loans: Kentucky USDA Rural Housing Streamline Refinance G...
Kentucky First Time Home Buyer Mortgage Loans: Kentucky USDA Rural Housing Streamline Refinance G...: KHC has $5 million available at a 2 percent interest rate, fixed for 30 years. This special funding program is available on a first...
I have helped over 1300 Kentucky families buy or refinance their home over the last 20 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.
Looking for 100% Financing, No Money Down Home Loan in KY? Kentucky Rural Housing Development Loans
Looking for 100% Financing, No Money Down Home Loan in KY?
Kentucky Rural Housing Development Loans offer:
Effective 10/1/2016 the Up Front Guarantee Fee is reduced to 1.0%*
No down payment required
Up to 6% Seller Concessions
No minimum credit score but most lenders will want a 620 or higher, or 640 to be safe
GUS Accept Eligible (lenders run this for you)
No Bankruptcies or foreclosure in last 3 years
Max household income limits vary
Home must be in an eligible USDA Area. See links below for income and property
For list of eligible properties: Kentucky USDA Property Eligibility Map?
For income eligibility limits: Kentucky RHS USDA Income Eligibility?
Labels:
Kentucky Rural Development Frequently Asked Questions (Real Estate Professionals),
Kentucky Rural Development Loans,
rhs loans kentucky,
USDA loans,
usda loans rural housing loans
I have helped over 1300 Kentucky families buy or refinance their home over the last 20 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.
Kentucky USDA Rural Housing Loans : Kentucky Rural Housing USDA Maximum Income by Coun...
Kentucky USDA Rural Housing Loans : Kentucky Rural Housing USDA Maximum Income by Coun...: 2016 KY USDA Rural Housing Income Limits for Kentucky Counties for the Guaranteed RHS Loan County Name Family Size 1 -4 F...
I have helped over 1300 Kentucky families buy or refinance their home over the last 20 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.
How long do you have to wait to buy a house again in Kentucky after a Bankruptcy or Foreclosure?
Joel Lobb
Senior Loan Officer
(NMLS#57916
text or call my phone: (502) 905-3708
email me at kentuckyloan@gmail.com
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).
Labels:
Bankruptcy,
Fannie Mae,
FHA,
FHA Loan in Kentucky,
First Time Home Buyer Grants Kentucky,
foreclosure,
Louisville Ky First Time Home Buyer Loan,
Short Sales,
USDA
I have helped over 1300 Kentucky families buy or refinance their home over the last 20 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.
Kentucky First Time Home Buyer Mortgage Loans: Four things to know about qualifying for a mortga...
Kentucky First Time Home Buyer Mortgage Loans: Four things to know about qualifying for a mortga...: Kentucky First Time Home Buyers Questions Answered Below: 1. Do Mortgage Interest Rates Change Daily? Just like the gas price...
I have helped over 1300 Kentucky families buy or refinance their home over the last 20 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.
Condo Buyers Guide: What you need to know when buying a condo
Condo Buyers Guide: What you need to know when buying a condo
Click on this link below for information about financing condos
↓↓↓↓↓↓↓
http://www.homepath.com/content/pdf/vendorresources/Marketing_Center_Condo.pdf
Louisville Kentucky FHA Condo Guidelines
A detached condo for a FHA Mortgage Loan is called a site condo and DOES NOT require FHA condo project approval!!
Site Condos are a SINGLE Family TOTALLY DETACHED Dwelling. No shared garages or any other forms of attached buildings. There cannot be ANY kind of attachments connecting any part of any building including decorative arches or other types of architectural elements.
Use appraisal form 1073 for site condos.
Kentucky FHA Condo Mortgage Loan Apply Below |
Click this link here for a FHA Condo Loan Approval in Kentucky !
Labels:
condo loans,
Condos FHA Approved Louisville,
FHA,
FHA CONDOS KENTUCKY,
FHA Guidelines,
kENTUCKY FHA Program Quick Reference,
Louisville Ky FHA Loans
I have helped over 1300 Kentucky families buy or refinance their home over the last 20 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.
Kentucky USDA Rural Housing Loans : Kentucky Mortgage Closing Costs Guide for USDA, FH...
Kentucky USDA Rural Housing Loans : Kentucky Mortgage Closing Costs Guide for USDA, FH...: A Complete Guide to Kentucky Mortgage Closing Costs Types of Kentucky Mortgage Closing Costs Let’s talk briefly about the types of clo...
I have helped over 1300 Kentucky families buy or refinance their home over the last 20 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.
Kentucky USDA Mortgage Loans get Drastically Lowering Costs for Buyers
Kentucky USDA Mortgage Loans get Drastically Lowering Costs for Buyers
USDA has announced that effective their Fiscal Year 2017 which starts October 1, 2016, that the USDA funding fee is lowering from 2.75% to only 1% for all Kentucky-backed USDA Rural Housing Mortgage loans! Plus the annual fee which is figured into the payment kind of like PMI is lowering from .50% to .35%!
Here's an example of the savings: The current funding fee on a $100,000 purchase would be about $2,50 financed on top of the loan but 1% would make it just a little over $1,000. That is a great savings, then there will be an additional lower payment because of the lower annual fee. For example on the monthly payment savings you are now looking at about an $14 monthly difference in your monthly payment.
Not only buyers looking for a no money down purchase at a great fixed rate can take advantage of this but also borrowers with a current USDA loan can use these features to refinance to a new USDA loan even with no appraisal.
Call us for questions/scenarios you have and approving buyers up-front or if you have an issue on a borrower.
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Fill out my form!
Labels:
Kentucky USDA Rural Housing Loans Information Video,
rhs loans kentucky,
USDA No money down mortgage Louisville Kentucky Kentucky housing corp 30 year fixed,
USDA RURAL HOUSING
I have helped over 1300 Kentucky families buy or refinance their home over the last 20 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.
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