Credit Score and Income Requirements to Buy a Home in Kentucky in 2020

KENTUCKY CONVENTIONAL
Get your fixed interest rates for eligible buyers.620 minimum credit score
3% down payment
4-7 years removed from Bankruptcy Depending of if Chapter 7 or 13
Max Loan is $510,00 in Kentucky
2 Year work history but does not have to be same job
KENTUCKY FHA MORTGAGES
Government-backed loans with flexible guidelines.
2 Year work history but does not have to be same job

KENTUCKY FHA MORTGAGES
Government-backed loans with flexible guidelines.
500 minimum credit score with 10% down payment
3.5% down payment with 580 credit score
2 years removed from bankruptcy
Can be combined with down payment grants for $0 down payment
Max loan $3336,760 in Kentucky
Max loan $3336,760 in Kentucky
2 year work history with no gaps over 6 months
KENTUCKY USDA MORTGAGES
Government-backed loans with flexible guidelines.

KENTUCKY USDA MORTGAGES
Government-backed loans with flexible guidelines.
Zero Down Payment
581 Minimum Credit Score
3 years removed from Bankruptcy
Max Income and Property Map Eligibility Requirements
2 year work history with no gaps over 60 days
KENTUCKY VA MORTGAGES
Government-backed loans for those who’ve served our nation.
2 year work history with no gaps over 60 days

KENTUCKY VA MORTGAGES
Government-backed loans for those who’ve served our nation.
Zero Down Payment Loan
No minimum credit score
2 years removed from bankruptcy
Active Duty --like to see a least a year left in service or 6 months reserves and a job relatable