Louisville Kentucky Mortgage Lender for FHA, VA, KHC, USDA and Rural Housing Kentucky Mortgages: August 2013

I specialize in Kentucky First Time Homebuyers FHA, VA, USDA & Rural Housing, KHC and Fannie Mae mortgage loans. I have helped over 1300 Kentucky families buy their first home or refinance their current mortgage for a lower payment; Kentucky First time buyers we still how available 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 1738461

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Apply for a home loan by clicking the link below:It's free and takes less than 5 minutesOr call us at 502-905-3708 for your free application over the phone

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Louisville Kentucky VA Home Mortgage Lender: Can you have 2 Multiple Kentucky VA Mortgage Loans...: MULTIPLE KENTUCKY VA LOANS The VA does not limit the number of Kentucky VA guaranteed loans a veteran may have, however the VA does limi...

The different types of mortgage insurance available for Louisville Kentucky Fannie Mae Conventional Mortgage Loans

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The different types of mortgage insurance available for Louisville Kentucky Mortgage Loans

•	Annual Plan – The first year premium is collected at closing, and then monthly payments are held in escrow for the following year.

•	Monthly Plan – Two months of MI is paid at closing, then collected monthly as part of the mortgage payment.

•	Zero Up–Front Plan – Use that money for the down payment instead, as MI is paid monthly with the first mortgage payment, not at closing.

•	Single/Financed Premium – Entire MI premium is paid at closing, and can be paid with down payment assistance or financed into the loan.

•	Split Premium – A combination of single premium and the monthly plan; the seller can help with the up–front premium or it can be financed in, resulting in lower monthly premiums.

•	Single Premium Lender Paid Mortgage Insurance (LPMI)⁴– "Life of Loan" mortgage insurance that is paid after closing by the lender; no annual or monthly premiums or renewals.

Kentucky Mortgage and PMI, PMI Mortgage insurance, MIP, Mortgage insurance,

Jan. 20, 2015

United Guaranty vs. FHA—There’s Still a Clear Choice.

There's been a lot of chatter recently surrounding FHA's rate cut announcement. United Guaranty is very supportive of FHA's role in extending credit to underserved markets. However, as some of the initial excitement about the announcement dies down, we wanted to take a moment to let you know that United Guaranty is here to help ensure you get the right kind of mortgage insurance for your borrowers.

First, even with the recent rate cut, United Guaranty's mortgage insurance premiums for most products and borrowers remain more attractive than FHA's. And with our Performance Premium^® risk-based pricing, you can be sure you're getting the appropriate rate for each loan's individual risk profile.

Additionally, with United Guaranty, you don't need to worry about locking your borrower into MIP for the life of the loan. Borrower-paid mortgage insurance from United Guaranty is required to be cancelled automatically when the loan's LTV reaches 78 percent—something borrowers have told us is very important to them.

Joel Lobb (NMLS#57916)
Senior Loan Officer
502-905-3708 cell

kentuckyloan@gmail.com

The different types of mortgage insurance available for Louisville Kentucky Fannie Mae Conventional Mortgage Loans

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Louisville VA, FHA, USDA, KHC , Fannie Mae Mortgage Guide: Louisville Kentucky FHA Loan Streamline Refinance

Louisville VA, FHA, USDA, KHC , Fannie Mae Mortgage Guide: Louisville Kentucky FHA Loan Streamline Refinance: FHA Loan Streamline Refinance Program Is Helping USA Homeowners to Refinance Mortgage with Lower Mortgage Payments (via SBWire ) Market ...

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Non-reimbursed Business Expenses for a Kentucky Mortgage Loan

When a borrower has unreimbursed business expenses, such as classroom supplies, uniforms, meals, gasoline, automobile insurance, and/or automobile taxes, the underwriter must determine the borrower’s recurring monthly debt obligation for such expenses by developing a 24-month average of expenses, using information from the borrower’s IRS Form 1040 including all schedules (Schedule A & IRS Form 2106) and net out any automobile depreciation claimed on IRS Form 2106.

Consequently, when calculating the total debt-to-income ratio, the 24-month average for non-reimbursed expenses should be subtracted from the borrower’s stable monthly income, unless such expenses are automobile lease payments or automobile loan payments, in which case they are to be considered part of the borrower’s recurring monthly debt obligations. If there is not a 24-month history of such expenses, the underwriter should develop an annualized monthly average for the expenses and add this calculated amount to the borrower’s monthly debt obligations

Joel Lobb (NMLS#57916)
Senior Loan Officer
502-905-3708 cell

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Mortgage Programs available to Louisville Kentucky Home buyers

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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). I lend in the following states: Kentucky

Current Guidelines for Louisville Kentucky Mortgage programs including FHA, VA, KHC, USDA, and Fannie Mae Home Loans in the State of Kentucky
NMLS# 57916
http://www.mylouisvillekentuckymortga...
502-905-3708

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Non-reimbursed Business Expenses for a Kentucky Mortgage Loan