Kentucky USDA, FHA, VA, and Refinance Guidelines for 2013

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Kentucky USDA, FHA, VA, and Refinance Guidelines for 2013


FHA and VA


These government programs are more liberal in terms of qualifying ratios, credit standards and offer higher loan to value limits than Conventional loans.  Someone who lacks traditional credit can still obtain FHA or VA financing. 
  • Use of gifts for down payment and/or closing costs
  • Loans may be assumable
  • Possible leniency in credit score and debt ratio
  • No prepayment penalty