tag:blogger.com,1999:blog-20837152728017561612024-03-18T06:12:49.709-04:00Louisville Kentucky Mortgage Lender for FHA, VA, KHC, USDA and Rural Housing Kentucky MortgagesI 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 Joel Lobb, Mortgage Broker FHA, VA, KHC, USDAhttp://www.blogger.com/profile/14742291613632757087noreply@blogger.comBlogger1386125tag:blogger.com,1999:blog-2083715272801756161.post-90406596649284166782024-03-18T06:11:00.001-04:002024-03-18T06:11:51.936-04:00How to Qualify for a Kentucky FHA, VA, USDA and Conventional Home Loan<iframe width="480" height="270" src="https://youtube.com/embed/l4gHW-rFBpY?si=WUeB9W-nu7w461JC" frameborder="0"></iframe>Joel Lobb, Mortgage Broker FHA, VA, KHC, USDAhttp://www.blogger.com/profile/14742291613632757087noreply@blogger.comtag:blogger.com,1999:blog-2083715272801756161.post-18954679469839040012024-03-18T05:54:00.000-04:002024-03-18T05:54:49.459-04:00Different Types of Kentucky Home Loans<iframe width="480" height="270" src="https://youtube.com/embed/EPxnsVOvfKA?si=VoHHCpeojT-ujSjY" frameborder="0"></iframe>Joel Lobb, Mortgage Broker FHA, VA, KHC, USDAhttp://www.blogger.com/profile/14742291613632757087noreply@blogger.com10602 Timberwood Cir #3, Louisville, KY 40223, USA38.2347121 -85.57485459.9244782638211575 -120.7311045 66.544945936178848 -50.4186045tag:blogger.com,1999:blog-2083715272801756161.post-91400390962481497492024-03-17T16:07:00.000-04:002024-03-17T16:07:03.299-04:00Louisville Kentucky Mortgage Lender for FHA, VA, KHC, USDA and Rural Housing Kentucky Mortgages: First-time Home-buyers in Kentucky<a href="https://www.mylouisvillekentuckymortgage.com/p/common-questions-from-first-time.html?spref=bl">Louisville Kentucky Mortgage Lender for FHA, VA, KHC, USDA and Rural Housing Kentucky Mortgages: First-time Home-buyers in Kentucky</a>: Common Questions from Louisville Kentucky First-time Homebuyers Kentucky First Time Home Buyer Common Questions and Answers below:👇 ∘ Wh...Joel Lobb, Mortgage Broker FHA, VA, KHC, USDAhttp://www.blogger.com/profile/14742291613632757087noreply@blogger.comtag:blogger.com,1999:blog-2083715272801756161.post-89112321761034360222024-03-17T11:28:00.001-04:002024-03-17T11:28:03.873-04:00Kentucky USDA Rural Housing Mortgage Lender: Buying a Kentucky home with a Rural Housing Deve...<a href="https://kentuckyruralhousingusdaloan.blogspot.com/2024/03/buying-kentucky-home-with-rural-housing.html?spref=bl">Kentucky USDA Rural Housing Mortgage Lender: Buying a Kentucky home with a Rural Housing Deve...</a>: Here's what you need to understand about the inspection process to ensure your journey to homeownership is as smooth as possible: Insp...Joel Lobb, Mortgage Broker FHA, VA, KHC, USDAhttp://www.blogger.com/profile/14742291613632757087noreply@blogger.comtag:blogger.com,1999:blog-2083715272801756161.post-28835562099620937392024-03-17T10:36:00.001-04:002024-03-17T10:36:20.296-04:00Kentucky USDA Rural Housing Mortgage Lender: Kentucky USDA Mortgage Loan Requirements<a href="https://kentuckyruralhousingusdaloan.blogspot.com/2018/02/kentucky-usda-mortgage-loan-requirements.html?spref=bl">Kentucky USDA Rural Housing Mortgage Lender: Kentucky USDA Mortgage Loan Requirements</a>: Kentucky Rural Housing USDA loans require One of the biggest eligibility requirements is that the property be located in a designated rur...Joel Lobb, Mortgage Broker FHA, VA, KHC, USDAhttp://www.blogger.com/profile/14742291613632757087noreply@blogger.comtag:blogger.com,1999:blog-2083715272801756161.post-44021264088340062042024-03-11T10:25:00.002-04:002024-03-11T10:25:44.926-04:00 Credit Score Requirements for First-Time Homebuyers in Kentucky<h2 style="text-align: left;"> <span style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif; font-size: small;">Credit Score Requirements for First-Time Homebuyers in Kentucky</span></h2><span style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif;">Obtaining a mortgage pre-approval is a crucial initial step in the home buying journey for <a href="https://www.mylouisvillekentuckymortgage.com/2011/07/what-is-minimum-credit-score-for-fha.html">Kentucky first-time homebuyers. </a></span><div><span style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif;"><br /></span></div><div><span style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif;">Credit score is a significant factor lenders consider during the pre-approval process. Here's a breakdown of credit score requirements for various mortgage programs in Kentucky:</span></div><div><span style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif;"><br /></span></div><div><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjM1orMNjfiDiGzD2iuMAEuE13ls6Y6Um6oUdZXqY78y8zl1MVZIk-qYVCOE4cgK51yG7cT6fNhfUKLfcLV7-2fzd1k3Oi_FN1F6IzfqNs-O0Lhd6HPGPYQ_SjHizdWk-vT32ot0c6-6wQDv75qIlS9B7FWBaHywCx8ElUxJ-RA9HCtgZ7j63Ap6vBubArd/s552/unnamed%20-%202024-02-07T094031.652.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="Credit Score Requirements for First-Time Homebuyers in Kentucky" border="0" data-original-height="273" data-original-width="552" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjM1orMNjfiDiGzD2iuMAEuE13ls6Y6Um6oUdZXqY78y8zl1MVZIk-qYVCOE4cgK51yG7cT6fNhfUKLfcLV7-2fzd1k3Oi_FN1F6IzfqNs-O0Lhd6HPGPYQ_SjHizdWk-vT32ot0c6-6wQDv75qIlS9B7FWBaHywCx8ElUxJ-RA9HCtgZ7j63Ap6vBubArd/s16000/unnamed%20-%202024-02-07T094031.652.png" title="Credit Score Requirements for First-Time Homebuyers in Kentucky" /></a></div><br /><span style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif;"><br /></span></div><div><br style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif;" /><span style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif;">* Kentucky Conventional Loans: Offered by private lenders, these loans typically require a minimum credit score of 620.</span></div><div><br style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif;" /><span style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif;">* Kentucky FHA Loans: Insured by the Federal Housing Administration (FHA), FHA loans cater to borrowers with lower credit scores. A minimum credit score of 580 is required with a down payment of at least 3.5% and a 500 credit score and up to 580 will need a 10% down payment. </span></div><div><br style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif;" /><span style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif;">* Kentucky VA Loans: Exclusive to veterans and active service members meeting eligibility criteria, VA loans don't have a minimum credit score requirement.</span></div><div><br style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif;" /><span style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif;">* Kentucky USDA Loans: Backed by the U.S. Department of Agriculture (USDA) for rural properties, USDA loans often have a minimum credit score requirement around 620 with no down payment needed.</span></div><div><br style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif;" /><span style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif;">* Kentucky Housing Corporation (KHC) Loans: Offered by the state housing authority, KHC loan programs may have varying minimum credit score requirements, but they're often around 620.</span></div><div><br style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif;" /><span style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif;">While these are the minimum credit score requirements, remember that a higher credit score typically translates to a more favorable interest rate. Consider consulting a mortgage professional to discuss strategies to improve your credit score and obtain the best possible mortgage terms for your Kentucky home purchase.</span><div class="yj6qo" style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif; font-size: small;"></div><div><span style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif; font-size: small;"><br /></span></div></div><div><h1 style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif;"><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhHVfDXgTZxZgSTUP-iYNZMsYqoE1zCwnRpJd75sIXzMVuZWw_HQ9uWOIjJxVd74EvNiCSXUmj0D99tLa7AFdhT72hv1GyM8odpuj0ov8WwC5r10FQ96f8TT-HC8UueuXHyWUWerW3-7t-UXfa5QJookICtuYQX9B19Ptfz7pQOfAAZQgcRLbAOdJwSjDAp/s864/sdfsafsdafasdfsadfsadfsadfasdfsad.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="Credit Score Requirements for First-Time Homebuyers in Kentucky" border="0" data-original-height="647" data-original-width="864" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhHVfDXgTZxZgSTUP-iYNZMsYqoE1zCwnRpJd75sIXzMVuZWw_HQ9uWOIjJxVd74EvNiCSXUmj0D99tLa7AFdhT72hv1GyM8odpuj0ov8WwC5r10FQ96f8TT-HC8UueuXHyWUWerW3-7t-UXfa5QJookICtuYQX9B19Ptfz7pQOfAAZQgcRLbAOdJwSjDAp/s16000/sdfsafsdafasdfsadfsadfsadfasdfsad.png" title="Credit Score Requirements for First-Time Homebuyers in Kentucky" /></a></div><br /><strong style="font-size: small;"><br /></strong></h1><h1 style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif;"><strong style="font-size: small;">Joel Lobb </strong><strong style="font-size: small;">Mortgage Loan Officer</strong></h1><strong style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif; font-size: small;">American Mortgage Solutions, Inc.</strong><br style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif; font-size: small;" /><strong style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif; font-size: small;">10602 Timberwood Circle</strong><br style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif; font-size: small;" /><strong style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif; font-size: small;">Louisville, KY 40223</strong><br style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif; font-size: small;" /><strong style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif; font-size: small;">Company NMLS ID #1364</strong><br style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif; font-size: small;" /><br style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif; font-size: small;" /><span style="background-color: white; color: red; font-family: Arial, Helvetica, sans-serif; font-size: small;"><strong>Text/call: 502-905-3708</strong><br /><strong>fax: 502-327-9119<br />email:</strong></span><strong style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif; font-size: small;"><span style="color: red;"> </span><a href="mailto:kentuckyloan@gmail.com" style="color: #1155cc;" target="_blank"><span style="color: red;">kentuckyloan@gmail.com</span></a></strong><br style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif; font-size: small;" /><p style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif; font-size: small;"><strong><a href="https://u6837958.ct.sendgrid.net/ls/click?upn=yDl4ONl2FnWoxI2oUNFFdRLTTAUR6y90NKFY4MVDgLrvgV5JMFyv678UBGQn5ITz-2F9bBlLpKi1T8g4odG86bqA-3D-3D4dbF_1UNj7hvg7uUE8G5zDMsBgP0qkAFLLWYc62YOGAQ6BSEELGOxNkZE13wbiOroZAYR0-2FUM4CYCCXkRTkFayVZSfjJ5dPRpECoVgXmtswvjQYMs3nyfHkCAWNreolgwA9vpSrTKFvOpkb1Zo4WNFjjBzgblYoXbwHuJHSL0qfi7a3IcVIRp9IA17ZuZtCdnOLKVctzNhv5qM8dw0siqXVRKhUcHKbT2aSp-2FdibS3FZokq3haw5OCmFZPSo5GwU0QJd9QfE-2FjbZ6cC9waLaLOqLjLHNvvS6K5VgF5qw5UD9HtcmUMZGrnEfRViPpToLA7aNgoH4obFiHJV-2FNKDKYvnN3ExcA2OXosEMlF69ic5bGmNCW6EM2XWsTL-2FNHuYV8vPC9cDr9Ju4mZV8Dk4QjPeXmHxmFa0Bzfn8tkSylyZY-2FUoQ8IuS-2B51ApxVtwC0M6wEyzPLRySS9CkBsJ2or6yCT3uppB8UHa8Pz-2Brv8QlzKhM8g-3D" style="color: #1155cc;" target="_blank"><span style="color: red;">http://www.mylouisvillekentuckymortgage.com/</span></a></strong></p></div><div><span style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif; font-size: small;"><br /></span></div>Joel Lobb, Mortgage Broker FHA, VA, KHC, USDAhttp://www.blogger.com/profile/14742291613632757087noreply@blogger.comtag:blogger.com,1999:blog-2083715272801756161.post-19228486934454567732024-03-11T09:30:00.002-04:002024-03-11T09:30:17.264-04:00Joel Lobb: Your Trusted Mortgage Broker in Kentucky<p> </p><cib-shared serp-slot="right-rail" style="background-attachment: unset; background-clip: unset; background-color: #f9f9f9; background-image: unset; background-origin: unset; background-position: unset; background-repeat: unset; background-size: unset; border-radius: unset; color: #111111; display: flex; flex-direction: column; flex-grow: 1; font-family: -apple-system, Roboto, SegoeUI, "Segoe UI", "Helvetica Neue", Helvetica, "Microsoft YaHei", "Meiryo UI", Meiryo, "Arial Unicode MS", sans-serif; padding: unset;"><div class="message"><div aria-description="" class="content" style="display: flex; flex-direction: column; flex-grow: 1; font-variation-settings: var(--cib-type-body2-font-variation-settings); font-weight: var(--cib-type-body2-font-weight); line-height: var(--cib-type-body2-line-height); min-height: var(--cib-type-body2-line-height); padding: 0px !important; position: relative; user-select: text; word-break: break-word;" tabindex="0"><div class="ac-container ac-adaptiveCard" style="display: flex; flex-direction: column; flex-grow: 1; font-variation-settings: var(--cib-type-body2-font-variation-settings); font-weight: var(--cib-type-body2-font-weight); line-height: var(--cib-type-body2-line-height); margin: 0px; padding: 0px; user-select: text; width: 432px; word-break: break-word;"><div class="ac-textBlock" style="color: var(--cib-color-foreground-neutral-primary); display: flex; flex-direction: column; flex-grow: 1;"><h2 style="font-size: var(--cib-type-title3-font-size); font-variation-settings: var(--cib-type-title3-font-variation-settings); font-weight: var(--cib-type-title3-font-weight); line-height: var(--cib-type-title3-line-height); margin: 12px 0px 0px; padding: 0px; user-select: text; word-break: break-word;"><br /></h2><h2 style="font-variation-settings: var(--cib-type-subtitle1-stronger-font-variation-settings); font-weight: var(--cib-type-subtitle1-stronger-font-weight); line-height: var(--cib-type-subtitle1-stronger-line-height); margin: 12px 0px 0px; padding: 0px; text-align: left; user-select: text; word-break: break-word;"><strong><span style="font-size: small;">Introduction to Joel Lobb Mortgage Broker in Kentucky</span></strong></h2><p style="font-variation-settings: var(--cib-type-body2-font-variation-settings); font-weight: var(--cib-type-body2-font-weight); line-height: var(--cib-type-body2-line-height); margin: 12px 0px 0px; padding: 0px; user-select: text; word-break: break-word;">When it comes to securing a home loan, having a knowledgeable and reliable mortgage broker by your side is crucial. <span style="font-variation-settings: var(--cib-type-subtitle2-stronger-font-variation-settings); font-weight: var(--cib-type-subtitle2-stronger-font-weight); line-height: var(--cib-type-subtitle2-stronger-line-height);">Joel Lobb</span> has been serving the Kentucky community for over <span style="font-variation-settings: var(--cib-type-subtitle2-stronger-font-variation-settings); font-weight: var(--cib-type-subtitle2-stronger-font-weight); line-height: var(--cib-type-subtitle2-stronger-line-height);">20 years</span>, assisting countless families in achieving their dream of homeownership. Let’s take a closer look at what makes Joel stand out in the mortgage industry.</p><h3 style="font-variation-settings: var(--cib-type-subtitle1-stronger-font-variation-settings); font-weight: var(--cib-type-subtitle1-stronger-font-weight); line-height: var(--cib-type-subtitle1-stronger-line-height); margin: 12px 0px 0px; padding: 0px; user-select: text; word-break: break-word;"><strong><span style="font-size: small;">Specializations</span></strong></h3><p style="font-variation-settings: var(--cib-type-body2-font-variation-settings); font-weight: var(--cib-type-body2-font-weight); line-height: var(--cib-type-body2-line-height); margin: 12px 0px 0px; padding: 0px; user-select: text; word-break: break-word;">Joel specializes in a variety of mortgage programs, catering to the unique needs of Kentucky residents:</p><ol style="display: flex; flex-direction: column; gap: 4px; margin: 12px 0px 0px; padding-inline-start: 24px;"><li><p style="display: inline; font-variation-settings: var(--cib-type-body2-font-variation-settings); font-weight: var(--cib-type-body2-font-weight); line-height: var(--cib-type-body2-line-height); margin: 0px; padding: 0px; user-select: text; word-break: break-word;"><span style="font-variation-settings: var(--cib-type-subtitle2-stronger-font-variation-settings); font-weight: var(--cib-type-subtitle2-stronger-font-weight); line-height: var(--cib-type-subtitle2-stronger-line-height);">FHA Loans</span>: As an expert in Federal Housing Administration (FHA) loans, Joel helps first-time homebuyers and others qualify for affordable financing.</p></li><li><p style="display: inline; font-variation-settings: var(--cib-type-body2-font-variation-settings); font-weight: var(--cib-type-body2-font-weight); line-height: var(--cib-type-body2-line-height); margin: 0px; padding: 0px; user-select: text; word-break: break-word;"><span style="font-variation-settings: var(--cib-type-subtitle2-stronger-font-variation-settings); font-weight: var(--cib-type-subtitle2-stronger-font-weight); line-height: var(--cib-type-subtitle2-stronger-line-height);">VA Loans</span>: Veterans and active-duty military personnel can benefit from VA loans, which offer favorable terms and low or no down payment options.</p></li><li><p style="display: inline; font-variation-settings: var(--cib-type-body2-font-variation-settings); font-weight: var(--cib-type-body2-font-weight); line-height: var(--cib-type-body2-line-height); margin: 0px; padding: 0px; user-select: text; word-break: break-word;"><span style="font-variation-settings: var(--cib-type-subtitle2-stronger-font-variation-settings); font-weight: var(--cib-type-subtitle2-stronger-font-weight); line-height: var(--cib-type-subtitle2-stronger-line-height);">USDA & Rural Housing Loans</span>: For those living in rural areas, Joel assists with USDA and Rural Housing loans, making homeownership accessible even in less densely populated regions.</p></li><li><p style="display: inline; font-variation-settings: var(--cib-type-body2-font-variation-settings); font-weight: var(--cib-type-body2-font-weight); line-height: var(--cib-type-body2-line-height); margin: 0px; padding: 0px; user-select: text; word-break: break-word;"><span style="font-variation-settings: var(--cib-type-subtitle2-stronger-font-variation-settings); font-weight: var(--cib-type-subtitle2-stronger-font-weight); line-height: var(--cib-type-subtitle2-stronger-line-height);">KHC Loans</span>: The Kentucky Housing Corporation (KHC) provides down payment assistance, and Joel guides buyers through the process.</p></li><li><p style="display: inline; font-variation-settings: var(--cib-type-body2-font-variation-settings); font-weight: var(--cib-type-body2-font-weight); line-height: var(--cib-type-body2-line-height); margin: 0px; padding: 0px; user-select: text; word-break: break-word;"><span style="font-variation-settings: var(--cib-type-subtitle2-stronger-font-variation-settings); font-weight: var(--cib-type-subtitle2-stronger-font-weight); line-height: var(--cib-type-subtitle2-stronger-line-height);">Conventional Loans</span>: Whether you’re a first-time buyer or looking to refinance, Joel offers conventional loan options tailored to your financial situation.</p></li></ol><h3 style="font-variation-settings: var(--cib-type-subtitle1-stronger-font-variation-settings); font-weight: var(--cib-type-subtitle1-stronger-font-weight); line-height: var(--cib-type-subtitle1-stronger-line-height); margin: 12px 0px 0px; padding: 0px; user-select: text; word-break: break-word;"><strong><span style="font-size: small;">Why Choose Joel Lobb?</span></strong></h3><ol style="display: flex; flex-direction: column; gap: 4px; margin: 12px 0px 0px; padding-inline-start: 24px;"><li><p style="display: inline; font-variation-settings: var(--cib-type-body2-font-variation-settings); font-weight: var(--cib-type-body2-font-weight); line-height: var(--cib-type-body2-line-height); margin: 0px; padding: 0px; user-select: text; word-break: break-word;"><span style="font-variation-settings: var(--cib-type-subtitle2-stronger-font-variation-settings); font-weight: var(--cib-type-subtitle2-stronger-font-weight); line-height: var(--cib-type-subtitle2-stronger-line-height);">Personalized Attention</span>: Unlike mega banks, where borrowers can feel like mere numbers, Joel treats each client as an individual. He listens to your needs, answers your questions, and ensures a smooth loan process.</p></li><li><p style="display: inline; font-variation-settings: var(--cib-type-body2-font-variation-settings); font-weight: var(--cib-type-body2-font-weight); line-height: var(--cib-type-body2-line-height); margin: 0px; padding: 0px; user-select: text; word-break: break-word;"><span style="font-variation-settings: var(--cib-type-subtitle2-stronger-font-variation-settings); font-weight: var(--cib-type-subtitle2-stronger-font-weight); line-height: var(--cib-type-subtitle2-stronger-line-height);">Access to Multiple Lenders</span>: Joel has access to <span style="font-variation-settings: var(--cib-type-subtitle2-stronger-font-variation-settings); font-weight: var(--cib-type-subtitle2-stronger-font-weight); line-height: var(--cib-type-subtitle2-stronger-line-height);">over 10 different mortgage companies</span> across the country. This advantage allows him to search and negotiate for the best loan options, considering credit, income, and other factors.</p></li><li><p style="display: inline; font-variation-settings: var(--cib-type-body2-font-variation-settings); font-weight: var(--cib-type-body2-font-weight); line-height: var(--cib-type-body2-line-height); margin: 0px; padding: 0px; user-select: text; word-break: break-word;"><span style="font-variation-settings: var(--cib-type-subtitle2-stronger-font-variation-settings); font-weight: var(--cib-type-subtitle2-stronger-font-weight); line-height: var(--cib-type-subtitle2-stronger-line-height);">Transparent and Honest</span>: Joel delivers on his promises. You can trust him to provide straightforward information and guide you through every step of the mortgage journey.</p></li></ol><h3 style="font-variation-settings: var(--cib-type-subtitle1-stronger-font-variation-settings); font-weight: var(--cib-type-subtitle1-stronger-font-weight); line-height: var(--cib-type-subtitle1-stronger-line-height); margin: 12px 0px 0px; padding: 0px; user-select: text; word-break: break-word;"><strong><span style="font-size: small;">Testimonials</span></strong></h3><p style="font-variation-settings: var(--cib-type-body2-font-variation-settings); font-weight: var(--cib-type-body2-font-weight); line-height: var(--cib-type-body2-line-height); margin: 12px 0px 0px; padding: 0px; user-select: text; word-break: break-word;">Joel’s clients appreciate his dedication and expertise:</p><ul style="display: flex; flex-direction: column; gap: 4px; margin: 12px 0px 0px; padding-inline-start: 24px;"><li><p style="display: inline; font-variation-settings: var(--cib-type-body2-font-variation-settings); font-weight: var(--cib-type-body2-font-weight); line-height: var(--cib-type-body2-line-height); margin: 0px; padding: 0px; user-select: text; word-break: break-word;"><em>“Joel helped us secure our dream home. His knowledge and responsiveness were invaluable.”</em> – <em>Samantha and Mark, Louisville, KY</em></p></li><li><p style="display: inline; font-variation-settings: var(--cib-type-body2-font-variation-settings); font-weight: var(--cib-type-body2-font-weight); line-height: var(--cib-type-body2-line-height); margin: 0px; padding: 0px; user-select: text; word-break: break-word;"><em>“We thought buying our first home would be daunting, but Joel made it easy. Highly recommended!”</em> – <em>David and Emily, Lexington, KY</em></p></li></ul><h3 style="font-variation-settings: var(--cib-type-subtitle1-stronger-font-variation-settings); font-weight: var(--cib-type-subtitle1-stronger-font-weight); line-height: var(--cib-type-subtitle1-stronger-line-height); margin: 12px 0px 0px; padding: 0px; user-select: text; word-break: break-word;"><strong><span style="font-size: small;">Contact Joel Lobb</span></strong></h3><ul style="display: flex; flex-direction: column; gap: 4px; margin: 12px 0px 0px; padding-inline-start: 24px;"><li><strong>Phone</strong>: (502) 905-3708</li><li><strong>Email</strong>: kentuckyloan@gmail.com</li><li><strong>NMLS#</strong>: 57916</li><li><strong>Address</strong>: 10602 Timberwood Cir #3, Louisville, KY 40223</li></ul><p style="font-variation-settings: var(--cib-type-body2-font-variation-settings); font-weight: var(--cib-type-body2-font-weight); line-height: var(--cib-type-body2-line-height); margin: 12px 0px 0px; padding: 0px; user-select: text; word-break: break-word;">Whether you’re a first-time buyer, refinancing, or exploring down payment assistance, Joel Lobb is here to guide you toward your homeownership goals. <a class="tooltip-target" data-citationid="f4d8251c-8579-9d4f-3e4a-c6a123b1c176-68-group" h="ID=SERP,5026.1" href="https://www.mylouisvillekentuckymortgage.com/2010/10/get-approved-for-mortgage-or-home-loan.html" style="border-bottom: 2px solid transparent; position: relative; text-decoration-color: var(--cib-color-foreground-neutral-tertiary); text-decoration-style: dotted; text-underline-offset: 3px;" target="_blank">Reach out today and experience personalized service from a trusted mortgage professional</a><a aria-label="1: " class="ac-anchor sup-target" data-citationid="f4d8251c-8579-9d4f-3e4a-c6a123b1c176-66" h="ID=SERP,5026.1" href="https://www.mylouisvillekentuckymortgage.com/2010/10/get-approved-for-mortgage-or-home-loan.html" style="position: relative;" target="_blank"><span class="citation-sup" style="align-items: center; background: transparent; border-radius: var(--cib-border-radius-medium); border: 1px solid var(--cib-color-stroke-neutral-secondary); color: var(--cib-color-foreground-accent-primary); display: inline-flex; font-variation-settings: var(--cib-type-caption2-strong-font-variation-settings); font-weight: var(--cib-type-caption2-strong-font-weight); height: 14px; justify-content: center; line-height: var(--cib-type-caption2-strong-line-height); margin: 0px 2px; min-width: 14px; outline: transparent solid 1px; position: relative; text-decoration-color: transparent; top: 4px; vertical-align: top;">1</span></a><a aria-label="2: " class="ac-anchor sup-target" data-citationid="f4d8251c-8579-9d4f-3e4a-c6a123b1c176-68" h="ID=SERP,5026.1" href="https://www.mylouisvillekentuckymortgage.com/" style="position: relative;" target="_blank"><span class="citation-sup" style="align-items: center; background: transparent; border-radius: var(--cib-border-radius-medium); border: 1px solid var(--cib-color-stroke-neutral-secondary); color: var(--cib-color-foreground-accent-primary); display: inline-flex; font-variation-settings: var(--cib-type-caption2-strong-font-variation-settings); font-weight: var(--cib-type-caption2-strong-font-weight); height: 14px; justify-content: center; line-height: var(--cib-type-caption2-strong-line-height); margin: 0px 2px; min-width: 14px; outline: transparent solid 1px; position: relative; text-decoration-color: transparent; top: 4px; vertical-align: top;">2</span></a>.</p></div></div><cib-overlay></cib-overlay></div></div></cib-shared><div class="content footer has-bot-actions" style="align-items: center; background: rgb(249, 249, 249); border: none !important; color: #111111; display: flex; flex-direction: row; flex-grow: 0; font-family: -apple-system, Roboto, SegoeUI, "Segoe UI", "Helvetica Neue", Helvetica, "Microsoft YaHei", "Meiryo UI", Meiryo, "Arial Unicode MS", sans-serif; font-variation-settings: var(--cib-type-body2-font-variation-settings); gap: 6px; grid-template-columns: 1fr auto; height: unset; justify-content: space-between; line-height: var(--cib-type-body2-line-height); margin-top: 20px; min-height: var(--cib-type-body2-line-height); overflow: visible !important; padding-bottom: 0px !important; padding-left: 0px !important; padding-right: 0px !important; padding-top: 20px; user-select: text; visibility: visible; word-break: break-word;"><cib-message-attributions goldilocks-attribution="" layout="learn-more" mode="off-stage" product="bing" serp-slot="right-rail" style="align-items: start; box-sizing: border-box; display: flex; flex-direction: row; flex-grow: 1; grid-area: 1 / 1 / 2 / 2; margin-block: 0px; margin: 0px; max-height: 86px; max-width: 100%; min-height: 24px; overflow: hidden; padding-inline: 0px !important; padding: 0px;" v2=""><div aria-labelledby="learn-more-header" class="learn-more-root" role="group" style="display: flex; flex-flow: wrap; row-gap: 8px;"><div class="learn-more-control" style="display: flex; flex-wrap: nowrap; max-width: max-content; min-width: max-content;"><h6 appearance="body-1-stronger" class="learn-more" id="learn-more-header" is="cib-h6" style="align-self: flex-start; font-variation-settings: var(--cib-type-body1-stronger-font-variation-settings); font-weight: var(--cib-type-caption2-font-weight); inset-inline-start: 1px; line-height: var(--cib-type-body1-stronger-line-height); margin-inline-end: 8px; margin: 0px; min-width: fit-content; padding-inline-end: 8px; position: relative; top: 2px;"><span style="font-size: small;">Learn more</span></h6></div><div class="attribution-container" style="display: flex; flex-direction: row; row-gap: 6px; width: 432px;"><div class="attribution-items" style="display: flex; flex-flow: wrap; row-gap: 6px;"><cib-attribution-item appearance="PILL" class="attribution-wrapper" goldilocks="" product="bing" show="" style="align-items: center; border-radius: var(--cib-border-radius-medium); box-sizing: border-box; display: flex; justify-content: center; margin-inline-end: 0px; min-width: max-content;" tabindex="0"><a aria-label="1: mylouisvillekentuckymortgage.com-Joel Lobb, Mortgage Broker FHA, VA, KHC, USDA" aria-labelledby="learn-more-header" class="attribution-item" data-citationid="53012469-89e4-b362-bcec-9d08f4b8813e" h="ID=SERP,5026.1" href="https://www.mylouisvillekentuckymortgage.com/2010/10/get-approved-for-mortgage-or-home-loan.html" style="align-items: center; background: var(--cib-color-fill-neutral-solid-tertiary); border-radius: var(--cib-border-radius-medium); border: 1px solid var(--cib-color-stroke-neutral-quarternary); box-sizing: border-box; cursor: pointer; display: flex; font-family: var(--cib-font-text); font-variation-settings: var(--cib-type-body1-strong-font-variation-settings); font-weight: var(--cib-type-caption2-font-weight); gap: 6px; height: 24px; justify-content: center; line-height: var(--cib-type-body1-strong-line-height); margin-inline-end: 6px; min-width: max-content; padding-inline-end: 8px; text-decoration-line: none;" target="_blank"><span class="badge" style="align-items: center; background: var(--cib-color-fill-accent-alt-quaternary); border-radius: var(--cib-border-radius-medium) 0 0 var(--cib-border-radius-medium); display: flex; height: 22.4px; justify-content: center; position: static; text-align: center; width: 22px;">1</span><img class="learn-more-favicon" src="blob:https://www.bing.com/b536dc67-5064-4f4f-b102-5dc38b123075" style="display: block; height: 12px; width: 12px;" /><span class="text-container" style="display: flex; flex-direction: column; flex: 1 1 0%; font-weight: var(--cib-type-body1-font-weight); gap: 6px; justify-content: space-between; line-height: 1rem; min-width: max-content; padding: 4px 0px;">mylouisvillekentuckymortgage.com</span></a></cib-attribution-item><cib-attribution-item appearance="PILL" class="attribution-wrapper" goldilocks="" image="" product="bing" show="" style="align-items: center; border-radius: var(--cib-border-radius-medium); box-sizing: border-box; display: flex; justify-content: center; margin-inline-end: 0px; min-width: max-content;" tabindex="0"><a aria-label="2: mylouisvillekentuckymortgage.com-Louisville Kentucky Mortgage Lender for FHA, VA, KHC, USDA and Rural ..." aria-labelledby="learn-more-header" class="attribution-item" data-citationid="ada8b222-e4e8-c666-f1a8-f8a7d659c3a3" h="ID=SERP,5026.1" href="https://www.mylouisvillekentuckymortgage.com/" style="align-items: center; background: var(--cib-color-fill-neutral-solid-tertiary); border-radius: var(--cib-border-radius-medium); border: 1px solid var(--cib-color-stroke-neutral-quarternary); box-sizing: border-box; cursor: pointer; display: flex; font-family: var(--cib-font-text); font-variation-settings: var(--cib-type-body1-strong-font-variation-settings); font-weight: var(--cib-type-caption2-font-weight); gap: 6px; height: 24px; justify-content: center; line-height: var(--cib-type-body1-strong-line-height); margin-inline-end: 6px; min-width: max-content; padding-inline-end: 8px; text-decoration-line: none;" target="_blank"><span class="badge" style="align-items: center; background: var(--cib-color-fill-accent-alt-quaternary); border-radius: var(--cib-border-radius-medium) 0 0 var(--cib-border-radius-medium); display: flex; height: 22.4px; justify-content: center; position: static; text-align: center; width: 22px;">2</span><img class="learn-more-favicon" src="blob:https://www.bing.com/b536dc67-5064-4f4f-b102-5dc38b123075" style="display: block; height: 12px; width: 12px;" /><span class="text-container" style="display: flex; flex-direction: column; flex: 1 1 0%; font-weight: var(--cib-type-body1-font-weight); gap: 6px; justify-content: space-between; line-height: 1rem; min-width: max-content; padding: 4px 0px;">mylouisvillekentuckymortgage.com</span></a></cib-attribution-item><cib-attribution-item appearance="PILL" aria-hidden="true" class="attribution-wrapper wrapped" goldilocks="" product="bing" show="" style="align-items: center; block-size: 24px; border-radius: var(--cib-border-radius-medium); box-sizing: border-box; display: flex; inline-size: 0px; justify-content: center; margin-inline-end: 0px; margin: 0px; min-width: max-content; opacity: 0; padding: 0px; pointer-events: none;" tabindex="-1"><a aria-label="3: bing.com-" aria-labelledby="learn-more-header" class="attribution-item" data-citationid="8bfe8099-16ec-7b31-86e1-a98cca117daa" h="ID=SERP,5026.1" href="https://bing.com/search?q=Joel+lobb+mortgage+loans+Kentucky" style="align-items: center; background: var(--cib-color-fill-neutral-solid-tertiary); border-radius: var(--cib-border-radius-medium); border: 1px solid var(--cib-color-stroke-neutral-quarternary); box-sizing: border-box; cursor: pointer; display: flex; font-family: var(--cib-font-text); font-variation-settings: var(--cib-type-body1-strong-font-variation-settings); font-weight: var(--cib-type-caption2-font-weight); gap: 6px; height: 24px; justify-content: center; line-height: var(--cib-type-body1-strong-line-height); margin-inline-end: 6px; min-width: max-content; padding-inline-end: 8px; text-decoration-line: none;" target="_blank"><span class="badge" style="align-items: center; background: var(--cib-color-fill-accent-alt-quaternary); border-radius: var(--cib-border-radius-medium) 0 0 var(--cib-border-radius-medium); display: flex; height: 22.4px; justify-content: center; position: static; text-align: center; width: 22px;">3</span><img class="learn-more-favicon" src="blob:https://www.bing.com/bc4537ef-5ef4-455b-9009-0733dafa3f85" style="display: block; height: 12px; width: 12px;" /><span class="text-container" style="display: flex; flex-direction: column; flex: 1 1 0%; font-weight: var(--cib-type-body1-font-weight); gap: 6px; justify-content: space-between; line-height: 1rem; min-width: max-content; padding: 4px 0px;">bing.com</span></a></cib-attribution-item><cib-attribution-item appearance="PILL" aria-hidden="true" class="attribution-wrapper wrapped" goldilocks="" product="bing" show="" style="align-items: center; block-size: 24px; border-radius: var(--cib-border-radius-medium); box-sizing: border-box; display: flex; font-size: 14px; inline-size: 0px; justify-content: center; margin-inline-end: 0px; margin: 0px; min-width: max-content; opacity: 0; padding: 0px; pointer-events: none;" tabindex="-1"><a aria-label="4: reviews.birdeye.com-Joel Lobb, Mortgage Broker FHA, VA, KHC, USDA - Birdeye" aria-labelledby="learn-more-header" class="attribution-item" data-citationid="469f3fe0-4afc-7b1e-aa1b-9f687b9a7a73" h="ID=SERP,5026.1" href="https://reviews.birdeye.com/joel-lobb-mortgage-broker-fha-va-khc-usda-157321093584357" style="align-items: center; background: var(--cib-color-fill-neutral-solid-tertiary); border-radius: var(--cib-border-radius-medium); border: 1px solid var(--cib-color-stroke-neutral-quarternary); box-sizing: border-box; cursor: pointer; display: flex; font-family: var(--cib-font-text); font-size: var(--cib-type-body1-strong-font-size); font-variation-settings: var(--cib-type-body1-strong-font-variation-settings); font-weight: var(--cib-type-caption2-font-weight); gap: 6px; height: 24px; justify-content: center; line-height: var(--cib-type-body1-strong-line-height); margin-inline-end: 6px; min-width: max-content; padding-inline-end: 8px; text-decoration-line: none;" target="_blank"><span class="badge" style="align-items: center; background: var(--cib-color-fill-accent-alt-quaternary); border-radius: var(--cib-border-radius-medium) 0 0 var(--cib-border-radius-medium); display: flex; height: 22.4px; justify-content: center; position: static; text-align: center; width: 22px;">4</span><img class="learn-more-favicon" src="blob:https://www.bing.com/0e7fa0b2-6167-4ae3-b861-59c996025c0a" style="display: block; height: 12px; width: 12px;" /><span class="text-container" style="display: flex; flex-direction: column; flex: 1 1 0%; font-weight: var(--cib-type-body1-font-weight); gap: 6px; justify-content: space-between; line-height: 1rem; min-width: max-content; padding: 4px 0px;">reviews.birdeye.com</span></a></cib-attribution-item><cib-attribution-item appearance="PILL" aria-hidden="true" class="attribution-wrapper wrapped" goldilocks="" product="bing" show="" style="align-items: center; block-size: 24px; border-radius: var(--cib-border-radius-medium); box-sizing: border-box; display: flex; font-size: 14px; inline-size: 0px; justify-content: center; margin-inline-end: 0px; margin: 0px; min-width: max-content; opacity: 0; padding: 0px; pointer-events: none;" tabindex="-1"><a aria-label="5: about.me-Joel Lobb - Louisville, Kentucky, Key Financial Mortgage, University of ..." aria-labelledby="learn-more-header" class="attribution-item" data-citationid="b0728817-54f2-f99b-6a89-aec04ffc07f4" h="ID=SERP,5026.1" href="https://about.me/joel.lobb" style="align-items: center; background: var(--cib-color-fill-neutral-solid-tertiary); border-radius: var(--cib-border-radius-medium); border: 1px solid var(--cib-color-stroke-neutral-quarternary); box-sizing: border-box; cursor: pointer; display: flex; font-family: var(--cib-font-text); font-size: var(--cib-type-body1-strong-font-size); font-variation-settings: var(--cib-type-body1-strong-font-variation-settings); font-weight: var(--cib-type-caption2-font-weight); gap: 6px; height: 24px; justify-content: center; line-height: var(--cib-type-body1-strong-line-height); margin-inline-end: 6px; min-width: max-content; padding-inline-end: 8px; text-decoration-line: none;" target="_blank"><span class="badge" style="align-items: center; background: var(--cib-color-fill-accent-alt-quaternary); border-radius: var(--cib-border-radius-medium) 0 0 var(--cib-border-radius-medium); display: flex; height: 22.4px; justify-content: center; position: static; text-align: center; width: 22px;">5</span><img class="learn-more-favicon" src="blob:https://www.bing.com/1fa442ba-6c63-4ec2-81d7-aedad592b487" style="display: block; height: 12px; width: 12px;" /><span class="text-container" style="display: flex; flex-direction: column; flex: 1 1 0%; font-weight: var(--cib-type-body1-font-weight); gap: 6px; justify-content: space-between; line-height: 1rem; min-width: max-content; padding: 4px 0px;">about.me</span></a></cib-attribution-item><cib-attribution-item appearance="PILL" aria-hidden="true" class="attribution-wrapper wrapped" goldilocks="" product="bing" show="" style="align-items: center; block-size: 24px; border-radius: var(--cib-border-radius-medium); box-sizing: border-box; display: flex; font-size: 14px; inline-size: 0px; justify-content: center; margin-inline-end: 0px; margin: 0px; min-width: max-content; opacity: 0; padding: 0px; pointer-events: none;" tabindex="-1"><a aria-label="6: business.google.com-Joel Lobb, Mortgage Broker FHA, VA, KHC, USDA" aria-labelledby="learn-more-header" class="attribution-item" data-citationid="9cdd7c76-23e2-cbe3-bd17-402697a19444" h="ID=SERP,5026.1" href="https://business.google.com/v/joel-lobb-mortgage-broker-fha-va-khc-usda/04361775572510182499/a291/_" style="align-items: center; background: var(--cib-color-fill-neutral-solid-tertiary); border-radius: var(--cib-border-radius-medium); border: 1px solid var(--cib-color-stroke-neutral-quarternary); box-sizing: border-box; cursor: pointer; display: flex; font-family: var(--cib-font-text); font-size: var(--cib-type-body1-strong-font-size); font-variation-settings: var(--cib-type-body1-strong-font-variation-settings); font-weight: var(--cib-type-caption2-font-weight); gap: 6px; height: 24px; justify-content: center; line-height: var(--cib-type-body1-strong-line-height); margin-inline-end: 6px; min-width: max-content; padding-inline-end: 8px; text-decoration-line: none;" target="_blank"><span class="badge" style="align-items: center; background: var(--cib-color-fill-accent-alt-quaternary); border-radius: var(--cib-border-radius-medium) 0 0 var(--cib-border-radius-medium); display: flex; height: 22.4px; justify-content: center; position: static; text-align: center; width: 22px;">6</span><img class="learn-more-favicon" src="blob:https://www.bing.com/18c0f46f-5f9f-4d32-8880-61ca7d022b6a" style="display: block; height: 12px; width: 12px;" /><span class="text-container" style="display: flex; flex-direction: column; flex: 1 1 0%; font-weight: var(--cib-type-body1-font-weight); gap: 6px; justify-content: space-between; line-height: 1rem; min-width: max-content; padding: 4px 0px;">business.google.com</span></a></cib-attribution-item><button aria-expanded="false" aria-label="+4 more" class="expand-button" role="button" style="align-items: center; border-radius: var(--cib-border-radius-medium); border: 1px solid var(--cib-color-stroke-neutral-quarternary); bottom: 8px; cursor: pointer; display: flex; flex-shrink: 0; font-family: var(--cib-font-text); font-size: var(--cib-type-body1-font-size); font-variation-settings: var(--cib-type-body1-font-variation-settings); font-weight: var(--cib-type-body1-font-weight); height: 24px; inset-inline-end: 12px; justify-content: center; line-height: var(--cib-type-body1-line-height); margin: 0px; min-width: max-content; padding: 0px 8px; text-transform: lowercase;" type="button">+4 more</button></div></div></div></cib-message-attributions></div>Joel Lobb, Mortgage Broker FHA, VA, KHC, USDAhttp://www.blogger.com/profile/14742291613632757087noreply@blogger.comtag:blogger.com,1999:blog-2083715272801756161.post-14607906089692426832024-03-11T09:06:00.000-04:002024-03-11T09:06:06.521-04:00Joel Lobb: A Guide for First-Time Home Buyers in Kentucky<p> <a href="https://kyfirsttimehomebuyer.wordpress.com/2024/03/09/first-time-home-buyers-in-kentucky-joel-lobb/" style="background-color: white; color: #2c3338; font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Oxygen-Sans, Ubuntu, Cantarell, "Helvetica Neue", sans-serif; font-size: 22px; font-weight: 600;" target="_top">First-time home buyers in Kentucky Joel Lobb</a></p><p><br /></p><p><span style="font-size: medium;"><span face="Arial, Helvetica, sans-serif" style="background-color: white; color: #222222;">Joel Lobb is a prominent figure in the Kentucky mortgage landscape, especially for those embarking on the journey of homeownership for the first time. With a focus on personalized service and a wealth of loan options, Lobb has become a go-to resource for many aspiring homeowners in the Bluegrass State.</span><br style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif;" /><br style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif;" /><span face="Arial, Helvetica, sans-serif" style="background-color: white; color: #222222;"><a href="https://www.youtube.com/watch?v=ZCCW6hjFTZ4">Joel Lobb: A Guide for First-Time Home Buyers in Kentucky</a></span></span></p><p><span style="font-size: medium;"><br style="background-color: white; color: #222222;" /><span face="Arial, Helvetica, sans-serif" style="background-color: white; color: #222222;">Navigating the Mortgage Maze</span><br style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif;" /><br style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif;" /><span face="Arial, Helvetica, sans-serif" style="background-color: white; color: #222222;">For <a href="https://www.youtube.com/watch?v=ZCCW6hjFTZ4">Kentucky first-time home buyers</a>, the path to purchasing a home can seem labyrinthine. Joel Lobb simplifies this process by offering a variety of loan options tailored to individual needs. His expertise covers:</span><br style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif;" /><br style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif;" /><span face="Arial, Helvetica, sans-serif" style="background-color: white; color: #222222;">- FHA Loans: Ideal for buyers with lower credit scores or smaller down payments.</span><br style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif;" /><span face="Arial, Helvetica, sans-serif" style="background-color: white; color: #222222;">- VA Loans: Providing excellent terms for veterans and active military personnel.</span><br style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif;" /><span face="Arial, Helvetica, sans-serif" style="background-color: white; color: #222222;">- USDA Loans: Catering to buyers in rural areas with 100% financing options.</span><br style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif;" /><span face="Arial, Helvetica, sans-serif" style="background-color: white; color: #222222;">- KHC Loans: Partnering with the Kentucky Housing Corporation to offer down payment assistance.</span><br style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif;" /><br style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif;" /><span face="Arial, Helvetica, sans-serif" style="background-color: white; color: #222222;">Personalized Approach</span><br style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif;" /><br style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif;" /><span face="Arial, Helvetica, sans-serif" style="background-color: white; color: #222222;">Lobb's approach is highly personalized. He understands that buying a home is one of the most significant financial decisions in a person's life and treats each client with the respect and attention they deserve. His commitment to personal service ensures that clients are not just numbers but valued individuals throughout the entire mortgage process.</span><br style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif;" /><br style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif;" /><span face="Arial, Helvetica, sans-serif" style="background-color: white; color: #222222;">Advantages Over Big Banks</span><br style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif;" /><br style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif;" /><span face="Arial, Helvetica, sans-serif" style="background-color: white; color: #222222;">One of Lobb's key advantages is his ability to broker loans through various mortgage companies, ensuring clients receive the best deal possible. Unlike larger banks that may offer a limited set of loan products, Lobb's access to a broader range of options means he can accommodate unique financial situations and find the right fit for each buyer.</span><br style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif;" /><br style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif;" /><span face="Arial, Helvetica, sans-serif" style="background-color: white; color: #222222;">Educational Resources</span><br style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif;" /><br style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif;" /><span face="Arial, Helvetica, sans-serif" style="background-color: white; color: #222222;">Education is a cornerstone of Lobb's service. He provides resources to help first-time buyers understand the complexities of mortgages and homeownership. This includes guidance on:</span><br style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif;" /><br style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif;" /><span face="Arial, Helvetica, sans-serif" style="background-color: white; color: #222222;">- Credit score requirements.</span><br style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif;" /><span face="Arial, Helvetica, sans-serif" style="background-color: white; color: #222222;">- Down payment sources.</span><br style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif;" /><span face="Arial, Helvetica, sans-serif" style="background-color: white; color: #222222;">- Loan types and their benefits.</span><br style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif;" /><span face="Arial, Helvetica, sans-serif" style="background-color: white; color: #222222;">- Steps to pre-qualification and approval.</span><br style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif;" /><br style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif;" /><span face="Arial, Helvetica, sans-serif" style="background-color: white; color: #222222;">Community Impact</span><br style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif;" /><br style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif;" /><span face="Arial, Helvetica, sans-serif" style="background-color: white; color: #222222;">Lobb's impact extends beyond individual homebuyers to the community at large. By assisting new homeowners, he contributes to the economic vitality and stability of neighborhoods across Kentucky.</span><br style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif;" /><br style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif;" /><span face="Arial, Helvetica, sans-serif" style="background-color: white; color: #222222;">Conclusion</span><br style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif;" /><br style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif;" /><span face="Arial, Helvetica, sans-serif" style="background-color: white; color: #222222;">For those looking to navigate the world of mortgages in Kentucky, Joel Lobb offers a guiding hand. His expertise, personalized service, and commitment to education make him a valuable ally for first-time home buyers aiming to lay down roots in Kentucky²³⁴.</span><br style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif;" /><br style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif;" /><span face="Arial, Helvetica, sans-serif" style="background-color: white; color: #222222;">---</span><br style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif;" /><br style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif;" /><span face="Arial, Helvetica, sans-serif" style="background-color: white; color: #222222;">This article is for informational purposes only and does not constitute financial advice. For personalized guidance, it's recommended to consult directly with a mortgage professional like Joel Lobb.</span><br style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif;" /><br style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif;" /><span face="Arial, Helvetica, sans-serif" style="background-color: white; color: #222222;">Source: Conversation with Bing, 3/9/2024</span><br style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif;" /><span face="Arial, Helvetica, sans-serif" style="background-color: white; color: #222222;">(1) Joel Lobb, Mortgage Broker FHA, VA, KHC, USDA. </span><a data-saferedirecturl="https://www.google.com/url?q=https://www.mylouisvillekentuckymortgage.com/2010/10/get-approved-for-mortgage-or-home-loan.html&source=gmail&ust=1710080660441000&usg=AOvVaw2pIln23HHGig3-dEWLcCWT" href="https://www.mylouisvillekentuckymortgage.com/2010/10/get-approved-for-mortgage-or-home-loan.html" style="background-color: white; color: #1155cc; font-family: Arial, Helvetica, sans-serif;" target="_blank">https://www.<wbr></wbr>mylouisvillekentuckymortgage.<wbr></wbr>com/2010/10/get-approved-for-<wbr></wbr>mortgage-or-home-loan.html</a><span face="Arial, Helvetica, sans-serif" style="background-color: white; color: #222222;">.</span><br style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif;" /><span face="Arial, Helvetica, sans-serif" style="background-color: white; color: #222222;">(2) Louisville Kentucky Mortgage Lender for FHA, VA, KHC, USDA and Rural .... </span><a data-saferedirecturl="https://www.google.com/url?q=https://www.mylouisvillekentuckymortgage.com/&source=gmail&ust=1710080660441000&usg=AOvVaw1UPvEtOGcwa1inpi5U8efN" href="https://www.mylouisvillekentuckymortgage.com/" style="background-color: white; color: #1155cc; font-family: Arial, Helvetica, sans-serif;" target="_blank">https://www.<wbr></wbr>mylouisvillekentuckymortgage.<wbr></wbr>com/</a><span face="Arial, Helvetica, sans-serif" style="background-color: white; color: #222222;">.</span><br style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif;" /><span face="Arial, Helvetica, sans-serif" style="background-color: white; color: #222222;">(3) Joel Lobb, Mortgage Broker FHA, VA, KHC, USDA. </span><a data-saferedirecturl="https://www.google.com/url?q=https://business.google.com/v/joel-lobb-mortgage-broker-fha-va-khc-usda/04361775572510182499/a291/_&source=gmail&ust=1710080660441000&usg=AOvVaw29DwSl6I3G12-HD8yQ6t78" href="https://business.google.com/v/joel-lobb-mortgage-broker-fha-va-khc-usda/04361775572510182499/a291/_" style="background-color: white; color: #1155cc; font-family: Arial, Helvetica, sans-serif;" target="_blank">https://business.google.com/v/<wbr></wbr>joel-lobb-mortgage-broker-fha-<wbr></wbr>va-khc-usda/<wbr></wbr>04361775572510182499/a291/_</a><span face="Arial, Helvetica, sans-serif" style="background-color: white; color: #222222;">.</span><br style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif;" /><span face="Arial, Helvetica, sans-serif" style="background-color: white; color: #222222;">(4) . </span><a data-saferedirecturl="https://www.google.com/url?q=https://bing.com/search?q%3DJoel%2BLobb%2Bmortgage%2Bloans%2BKentucky%2Bfirst%2Btime%2Bhome%2Bbuyers&source=gmail&ust=1710080660441000&usg=AOvVaw1YNE29g9GJN5gygBRiQDl4" href="https://bing.com/search?q=Joel+Lobb+mortgage+loans+Kentucky+first+time+home+buyers" style="background-color: white; color: #1155cc; font-family: Arial, Helvetica, sans-serif;" target="_blank">https://bing.com/search?q=<wbr></wbr>Joel+Lobb+mortgage+loans+<wbr></wbr>Kentucky+first+time+home+<wbr></wbr>buyers</a><span face="Arial, Helvetica, sans-serif" style="background-color: white; color: #222222;">.</span><br style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif;" /><span face="Arial, Helvetica, sans-serif" style="background-color: white; color: #222222;">(5) Joel Lobb - Louisville, Kentucky, Key Financial Mortgage, University of .... </span><a data-saferedirecturl="https://www.google.com/url?q=https://about.me/joel.lobb&source=gmail&ust=1710080660441000&usg=AOvVaw1nau7LghCfkgoSufBdO7zg" href="https://about.me/joel.lobb" style="background-color: white; color: #1155cc; font-family: Arial, Helvetica, sans-serif;" target="_blank">https://about.me/joel.lobb</a><span face="Arial, Helvetica, sans-serif" style="background-color: white; color: #222222;">. </span></span></p>Joel Lobb, Mortgage Broker FHA, VA, KHC, USDAhttp://www.blogger.com/profile/14742291613632757087noreply@blogger.comtag:blogger.com,1999:blog-2083715272801756161.post-38682421156629635212024-03-07T14:33:00.001-05:002024-03-07T14:33:09.498-05:00 Understanding Credit Score Requirements for Mortgage Loans in Kentucky<h2 style="text-align: center;"><span style="background-color: white; color: #0d0d0d; font-family: Söhne, ui-sans-serif, system-ui, -apple-system, "Segoe UI", Roboto, Ubuntu, Cantarell, "Noto Sans", sans-serif, "Helvetica Neue", Arial, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji"; font-size: 16px; white-space-collapse: preserve;"> </span><span style="color: #0d0d0d; font-family: Söhne, ui-sans-serif, system-ui, -apple-system, Segoe UI, Roboto, Ubuntu, Cantarell, Noto Sans, sans-serif, Helvetica Neue, Arial, Apple Color Emoji, Segoe UI Emoji, Segoe UI Symbol, Noto Color Emoji;"><span style="white-space-collapse: preserve;">Credit Score Requirements in Kentucky</span></span></h2><p style="--tw-border-spacing-x: 0; --tw-border-spacing-y: 0; --tw-ring-color: rgba(69,89,164,.5); --tw-ring-offset-color: #fff; --tw-ring-offset-shadow: 0 0 transparent; --tw-ring-offset-width: 0px; --tw-ring-shadow: 0 0 transparent; --tw-rotate: 0; --tw-scale-x: 1; --tw-scale-y: 1; --tw-scroll-snap-strictness: proximity; --tw-shadow-colored: 0 0 transparent; --tw-shadow: 0 0 transparent; --tw-skew-x: 0; --tw-skew-y: 0; --tw-translate-x: 0; --tw-translate-y: 0; background-color: white; border: 0px solid rgb(227, 227, 227); box-sizing: border-box; color: #0d0d0d; font-family: Söhne, ui-sans-serif, system-ui, -apple-system, "Segoe UI", Roboto, Ubuntu, Cantarell, "Noto Sans", sans-serif, "Helvetica Neue", Arial, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji"; font-size: 16px; margin: 1.25em 0px; white-space-collapse: preserve;">Securing a mortgage loan is a crucial step in the homebuying process, and one of the key factors lenders evaluate is your credit score. Understanding the credit score requirements for mortgage loan approval in Kentucky can help you prepare and improve your chances of securing financing for your dream home.</p><h3 style="--tw-border-spacing-x: 0; --tw-border-spacing-y: 0; --tw-ring-color: rgba(69,89,164,.5); --tw-ring-offset-color: #fff; --tw-ring-offset-shadow: 0 0 transparent; --tw-ring-offset-width: 0px; --tw-ring-shadow: 0 0 transparent; --tw-rotate: 0; --tw-scale-x: 1; --tw-scale-y: 1; --tw-scroll-snap-strictness: proximity; --tw-shadow-colored: 0 0 transparent; --tw-shadow: 0 0 transparent; --tw-skew-x: 0; --tw-skew-y: 0; --tw-translate-x: 0; --tw-translate-y: 0; background-color: white; border: 0px solid rgb(227, 227, 227); box-sizing: border-box; color: #0d0d0d; font-family: Söhne, ui-sans-serif, system-ui, -apple-system, "Segoe UI", Roboto, Ubuntu, Cantarell, "Noto Sans", sans-serif, "Helvetica Neue", Arial, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji"; font-size: 1.25em; line-height: 1.6; margin: 1rem 0px 0.5rem; white-space-collapse: preserve;">Importance of Credit Scores for a Kentucky Mortgage Loan Approval.</h3><p style="--tw-border-spacing-x: 0; --tw-border-spacing-y: 0; --tw-ring-color: rgba(69,89,164,.5); --tw-ring-offset-color: #fff; --tw-ring-offset-shadow: 0 0 transparent; --tw-ring-offset-width: 0px; --tw-ring-shadow: 0 0 transparent; --tw-rotate: 0; --tw-scale-x: 1; --tw-scale-y: 1; --tw-scroll-snap-strictness: proximity; --tw-shadow-colored: 0 0 transparent; --tw-shadow: 0 0 transparent; --tw-skew-x: 0; --tw-skew-y: 0; --tw-translate-x: 0; --tw-translate-y: 0; background-color: white; border: 0px solid rgb(227, 227, 227); box-sizing: border-box; color: #0d0d0d; font-family: Söhne, ui-sans-serif, system-ui, -apple-system, "Segoe UI", Roboto, Ubuntu, Cantarell, "Noto Sans", sans-serif, "Helvetica Neue", Arial, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji"; font-size: 16px; margin: 0px 0px 1.25em; white-space-collapse: preserve;">Your credit score is a numerical representation of your creditworthiness based on your credit history. Lenders use this score to assess the risk of lending to you. A higher credit score typically indicates lower risk to lenders, making you more likely to qualify for a mortgage loan and secure better terms and interest rates.</p><div class="separator" style="clear: both; text-align: center;"><iframe allowfullscreen="" class="BLOG_video_class" height="266" src="https://www.youtube.com/embed/ZCCW6hjFTZ4" width="320" youtube-src-id="ZCCW6hjFTZ4"></iframe></div><br /><p style="--tw-border-spacing-x: 0; --tw-border-spacing-y: 0; --tw-ring-color: rgba(69,89,164,.5); --tw-ring-offset-color: #fff; --tw-ring-offset-shadow: 0 0 transparent; --tw-ring-offset-width: 0px; --tw-ring-shadow: 0 0 transparent; --tw-rotate: 0; --tw-scale-x: 1; --tw-scale-y: 1; --tw-scroll-snap-strictness: proximity; --tw-shadow-colored: 0 0 transparent; --tw-shadow: 0 0 transparent; --tw-skew-x: 0; --tw-skew-y: 0; --tw-translate-x: 0; --tw-translate-y: 0; background-color: white; border: 0px solid rgb(227, 227, 227); box-sizing: border-box; color: #0d0d0d; font-family: Söhne, ui-sans-serif, system-ui, -apple-system, "Segoe UI", Roboto, Ubuntu, Cantarell, "Noto Sans", sans-serif, "Helvetica Neue", Arial, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji"; font-size: 16px; margin: 0px 0px 1.25em; white-space-collapse: preserve;"><br /></p><h3 style="--tw-border-spacing-x: 0; --tw-border-spacing-y: 0; --tw-ring-color: rgba(69,89,164,.5); --tw-ring-offset-color: #fff; --tw-ring-offset-shadow: 0 0 transparent; --tw-ring-offset-width: 0px; --tw-ring-shadow: 0 0 transparent; --tw-rotate: 0; --tw-scale-x: 1; --tw-scale-y: 1; --tw-scroll-snap-strictness: proximity; --tw-shadow-colored: 0 0 transparent; --tw-shadow: 0 0 transparent; --tw-skew-x: 0; --tw-skew-y: 0; --tw-translate-x: 0; --tw-translate-y: 0; background-color: white; border: 0px solid rgb(227, 227, 227); box-sizing: border-box; color: #0d0d0d; font-family: Söhne, ui-sans-serif, system-ui, -apple-system, "Segoe UI", Roboto, Ubuntu, Cantarell, "Noto Sans", sans-serif, "Helvetica Neue", Arial, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji"; font-size: 1.25em; line-height: 1.6; margin: 1rem 0px 0.5rem; white-space-collapse: preserve;">Credit Score Requirements in Kentucky</h3><p style="--tw-border-spacing-x: 0; --tw-border-spacing-y: 0; --tw-ring-color: rgba(69,89,164,.5); --tw-ring-offset-color: #fff; --tw-ring-offset-shadow: 0 0 transparent; --tw-ring-offset-width: 0px; --tw-ring-shadow: 0 0 transparent; --tw-rotate: 0; --tw-scale-x: 1; --tw-scale-y: 1; --tw-scroll-snap-strictness: proximity; --tw-shadow-colored: 0 0 transparent; --tw-shadow: 0 0 transparent; --tw-skew-x: 0; --tw-skew-y: 0; --tw-translate-x: 0; --tw-translate-y: 0; background-color: white; border: 0px solid rgb(227, 227, 227); box-sizing: border-box; color: #0d0d0d; font-family: Söhne, ui-sans-serif, system-ui, -apple-system, "Segoe UI", Roboto, Ubuntu, Cantarell, "Noto Sans", sans-serif, "Helvetica Neue", Arial, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji"; font-size: 16px; margin: 0px 0px 1.25em; white-space-collapse: preserve;">While specific credit score requirements can vary among lenders and mortgage programs, there are some general guidelines to consider when applying for a mortgage loan in Kentucky.</p><ol style="--tw-border-spacing-x: 0; --tw-border-spacing-y: 0; --tw-ring-color: rgba(69,89,164,.5); --tw-ring-offset-color: #fff; --tw-ring-offset-shadow: 0 0 transparent; --tw-ring-offset-width: 0px; --tw-ring-shadow: 0 0 transparent; --tw-rotate: 0; --tw-scale-x: 1; --tw-scale-y: 1; --tw-scroll-snap-strictness: proximity; --tw-shadow-colored: 0 0 transparent; --tw-shadow: 0 0 transparent; --tw-skew-x: 0; --tw-skew-y: 0; --tw-translate-x: 0; --tw-translate-y: 0; background-color: white; border: 0px solid rgb(227, 227, 227); box-sizing: border-box; color: #0d0d0d; counter-reset: list-number 0; display: flex; flex-direction: column; font-family: Söhne, ui-sans-serif, system-ui, -apple-system, "Segoe UI", Roboto, Ubuntu, Cantarell, "Noto Sans", sans-serif, "Helvetica Neue", Arial, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji"; font-size: 16px; list-style: none; margin: 1.25em 0px; padding: 0px; white-space-collapse: preserve;"><li style="--tw-border-spacing-x: 0; --tw-border-spacing-y: 0; --tw-ring-color: rgba(69,89,164,.5); --tw-ring-offset-color: #fff; --tw-ring-offset-shadow: 0 0 transparent; --tw-ring-offset-width: 0px; --tw-ring-shadow: 0 0 transparent; --tw-rotate: 0; --tw-scale-x: 1; --tw-scale-y: 1; --tw-scroll-snap-strictness: proximity; --tw-shadow-colored: 0 0 transparent; --tw-shadow: 0 0 transparent; --tw-skew-x: 0; --tw-skew-y: 0; --tw-translate-x: 0; --tw-translate-y: 0; border: 0px solid rgb(227, 227, 227); box-sizing: border-box; counter-increment: list-number 1; display: block; margin-bottom: 0px; margin-top: 0px; min-height: 28px; padding-left: 0.375em;"><p style="--tw-border-spacing-x: 0; --tw-border-spacing-y: 0; --tw-ring-color: rgba(69,89,164,.5); --tw-ring-offset-color: #fff; --tw-ring-offset-shadow: 0 0 transparent; --tw-ring-offset-width: 0px; --tw-ring-shadow: 0 0 transparent; --tw-rotate: 0; --tw-scale-x: 1; --tw-scale-y: 1; --tw-scroll-snap-strictness: proximity; --tw-shadow-colored: 0 0 transparent; --tw-shadow: 0 0 transparent; --tw-skew-x: 0; --tw-skew-y: 0; --tw-translate-x: 0; --tw-translate-y: 0; border: 0px solid rgb(227, 227, 227); box-sizing: border-box; margin: 0px;"><span style="--tw-border-spacing-x: 0; --tw-border-spacing-y: 0; --tw-ring-color: rgba(69,89,164,.5); --tw-ring-offset-color: #fff; --tw-ring-offset-shadow: 0 0 transparent; --tw-ring-offset-width: 0px; --tw-ring-shadow: 0 0 transparent; --tw-rotate: 0; --tw-scale-x: 1; --tw-scale-y: 1; --tw-scroll-snap-strictness: proximity; --tw-shadow-colored: 0 0 transparent; --tw-shadow: 0 0 transparent; --tw-skew-x: 0; --tw-skew-y: 0; --tw-translate-x: 0; --tw-translate-y: 0; border: 0px solid rgb(227, 227, 227); box-sizing: border-box; color: var(--tw-prose-bold); font-weight: 600;">Conventional Loans</span>: Conventional mortgage loans are not insured or guaranteed by the government. Many lenders prefer borrowers to have a credit score of at least 620 to qualify for a conventional loan. However, some lenders may require higher scores, especially for competitive interest rates.</p></li><li style="--tw-border-spacing-x: 0; --tw-border-spacing-y: 0; --tw-ring-color: rgba(69,89,164,.5); --tw-ring-offset-color: #fff; --tw-ring-offset-shadow: 0 0 transparent; --tw-ring-offset-width: 0px; --tw-ring-shadow: 0 0 transparent; --tw-rotate: 0; --tw-scale-x: 1; --tw-scale-y: 1; --tw-scroll-snap-strictness: proximity; --tw-shadow-colored: 0 0 transparent; --tw-shadow: 0 0 transparent; --tw-skew-x: 0; --tw-skew-y: 0; --tw-translate-x: 0; --tw-translate-y: 0; border: 0px solid rgb(227, 227, 227); box-sizing: border-box; counter-increment: list-number 1; display: block; margin-bottom: 0px; margin-top: 0px; min-height: 28px; padding-left: 0.375em;"><p style="--tw-border-spacing-x: 0; --tw-border-spacing-y: 0; --tw-ring-color: rgba(69,89,164,.5); --tw-ring-offset-color: #fff; --tw-ring-offset-shadow: 0 0 transparent; --tw-ring-offset-width: 0px; --tw-ring-shadow: 0 0 transparent; --tw-rotate: 0; --tw-scale-x: 1; --tw-scale-y: 1; --tw-scroll-snap-strictness: proximity; --tw-shadow-colored: 0 0 transparent; --tw-shadow: 0 0 transparent; --tw-skew-x: 0; --tw-skew-y: 0; --tw-translate-x: 0; --tw-translate-y: 0; border: 0px solid rgb(227, 227, 227); box-sizing: border-box; margin: 0px;"><span style="--tw-border-spacing-x: 0; --tw-border-spacing-y: 0; --tw-ring-color: rgba(69,89,164,.5); --tw-ring-offset-color: #fff; --tw-ring-offset-shadow: 0 0 transparent; --tw-ring-offset-width: 0px; --tw-ring-shadow: 0 0 transparent; --tw-rotate: 0; --tw-scale-x: 1; --tw-scale-y: 1; --tw-scroll-snap-strictness: proximity; --tw-shadow-colored: 0 0 transparent; --tw-shadow: 0 0 transparent; --tw-skew-x: 0; --tw-skew-y: 0; --tw-translate-x: 0; --tw-translate-y: 0; border: 0px solid rgb(227, 227, 227); box-sizing: border-box; color: var(--tw-prose-bold); font-weight: 600;">FHA Loans</span>: The Federal Housing Administration (FHA) offers loans with more lenient credit score requirements compared to conventional loans. In Kentucky, borrowers may be eligible for an FHA loan with a credit score as low as 500, provided they can make a 10% down payment. A credit score of 580 or higher may qualify for a lower down payment option of 3.5%.</p></li><li style="--tw-border-spacing-x: 0; --tw-border-spacing-y: 0; --tw-ring-color: rgba(69,89,164,.5); --tw-ring-offset-color: #fff; --tw-ring-offset-shadow: 0 0 transparent; --tw-ring-offset-width: 0px; --tw-ring-shadow: 0 0 transparent; --tw-rotate: 0; --tw-scale-x: 1; --tw-scale-y: 1; --tw-scroll-snap-strictness: proximity; --tw-shadow-colored: 0 0 transparent; --tw-shadow: 0 0 transparent; --tw-skew-x: 0; --tw-skew-y: 0; --tw-translate-x: 0; --tw-translate-y: 0; border: 0px solid rgb(227, 227, 227); box-sizing: border-box; counter-increment: list-number 1; display: block; margin-bottom: 0px; margin-top: 0px; min-height: 28px; padding-left: 0.375em;"><p style="--tw-border-spacing-x: 0; --tw-border-spacing-y: 0; --tw-ring-color: rgba(69,89,164,.5); --tw-ring-offset-color: #fff; --tw-ring-offset-shadow: 0 0 transparent; --tw-ring-offset-width: 0px; --tw-ring-shadow: 0 0 transparent; --tw-rotate: 0; --tw-scale-x: 1; --tw-scale-y: 1; --tw-scroll-snap-strictness: proximity; --tw-shadow-colored: 0 0 transparent; --tw-shadow: 0 0 transparent; --tw-skew-x: 0; --tw-skew-y: 0; --tw-translate-x: 0; --tw-translate-y: 0; border: 0px solid rgb(227, 227, 227); box-sizing: border-box; margin: 0px;"><span style="--tw-border-spacing-x: 0; --tw-border-spacing-y: 0; --tw-ring-color: rgba(69,89,164,.5); --tw-ring-offset-color: #fff; --tw-ring-offset-shadow: 0 0 transparent; --tw-ring-offset-width: 0px; --tw-ring-shadow: 0 0 transparent; --tw-rotate: 0; --tw-scale-x: 1; --tw-scale-y: 1; --tw-scroll-snap-strictness: proximity; --tw-shadow-colored: 0 0 transparent; --tw-shadow: 0 0 transparent; --tw-skew-x: 0; --tw-skew-y: 0; --tw-translate-x: 0; --tw-translate-y: 0; border: 0px solid rgb(227, 227, 227); box-sizing: border-box; color: var(--tw-prose-bold); font-weight: 600;">VA Loans</span>: If you're a veteran, active-duty service member, or eligible spouse, you may qualify for a VA loan guaranteed by the Department of Veterans Affairs. VA loans typically have more flexible credit score requirements, and some lenders may consider borrowers with lower credit score. VA does not have a minimum credit score, but most lenders will want a 620 credit score...</p></li><li style="--tw-border-spacing-x: 0; --tw-border-spacing-y: 0; --tw-ring-color: rgba(69,89,164,.5); --tw-ring-offset-color: #fff; --tw-ring-offset-shadow: 0 0 transparent; --tw-ring-offset-width: 0px; --tw-ring-shadow: 0 0 transparent; --tw-rotate: 0; --tw-scale-x: 1; --tw-scale-y: 1; --tw-scroll-snap-strictness: proximity; --tw-shadow-colored: 0 0 transparent; --tw-shadow: 0 0 transparent; --tw-skew-x: 0; --tw-skew-y: 0; --tw-translate-x: 0; --tw-translate-y: 0; border: 0px solid rgb(227, 227, 227); box-sizing: border-box; counter-increment: list-number 1; display: block; margin-bottom: 0px; margin-top: 0px; min-height: 28px; padding-left: 0.375em;"><p style="--tw-border-spacing-x: 0; --tw-border-spacing-y: 0; --tw-ring-color: rgba(69,89,164,.5); --tw-ring-offset-color: #fff; --tw-ring-offset-shadow: 0 0 transparent; --tw-ring-offset-width: 0px; --tw-ring-shadow: 0 0 transparent; --tw-rotate: 0; --tw-scale-x: 1; --tw-scale-y: 1; --tw-scroll-snap-strictness: proximity; --tw-shadow-colored: 0 0 transparent; --tw-shadow: 0 0 transparent; --tw-skew-x: 0; --tw-skew-y: 0; --tw-translate-x: 0; --tw-translate-y: 0; border: 0px solid rgb(227, 227, 227); box-sizing: border-box; margin: 0px;"><span style="--tw-border-spacing-x: 0; --tw-border-spacing-y: 0; --tw-ring-color: rgba(69,89,164,.5); --tw-ring-offset-color: #fff; --tw-ring-offset-shadow: 0 0 transparent; --tw-ring-offset-width: 0px; --tw-ring-shadow: 0 0 transparent; --tw-rotate: 0; --tw-scale-x: 1; --tw-scale-y: 1; --tw-scroll-snap-strictness: proximity; --tw-shadow-colored: 0 0 transparent; --tw-shadow: 0 0 transparent; --tw-skew-x: 0; --tw-skew-y: 0; --tw-translate-x: 0; --tw-translate-y: 0; border: 0px solid rgb(227, 227, 227); box-sizing: border-box; color: var(--tw-prose-bold); font-weight: 600;">USDA Loans</span>: The U.S. Department of Agriculture (USDA) offers loans to eligible rural and suburban homebuyers with low to moderate incomes. Credit score requirements for USDA loans in Kentucky can vary, but many lenders prefer scores of 640 or higher, however, on paper they don't have a minimum credit score requirement</p></li></ol><div><span style="color: #0d0d0d; font-family: Söhne, ui-sans-serif, system-ui, -apple-system, Segoe UI, Roboto, Ubuntu, Cantarell, Noto Sans, sans-serif, Helvetica Neue, Arial, Apple Color Emoji, Segoe UI Emoji, Segoe UI Symbol, Noto Color Emoji;"><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhtXFefyha4b8Mso5hjwws6ptgausUZ8F0uFUa1KH52VfVp-h47nb0G-8Fz2eyevI893BiND784uxLJrRXgId_45bM5aWcw4PO9XVsaV1sl40geFyNQek0KU6kBu8IjblXiNcDF3OS7-p5VqVDdbSnPKNDEINj4qmkBY5UlyeVFz7Ms_PugmNIAPSx396X-/s540/image.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="Credit Score Requirements in Kentucky" border="0" data-original-height="364" data-original-width="540" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhtXFefyha4b8Mso5hjwws6ptgausUZ8F0uFUa1KH52VfVp-h47nb0G-8Fz2eyevI893BiND784uxLJrRXgId_45bM5aWcw4PO9XVsaV1sl40geFyNQek0KU6kBu8IjblXiNcDF3OS7-p5VqVDdbSnPKNDEINj4qmkBY5UlyeVFz7Ms_PugmNIAPSx396X-/s16000/image.png" title="Credit Score Requirements in Kentucky" /></a></div><br /><div class="separator" style="clear: both; text-align: center;"><br /></div><br /><span style="white-space-collapse: preserve;"><br /></span></span></div><h3 style="--tw-border-spacing-x: 0; --tw-border-spacing-y: 0; --tw-ring-color: rgba(69,89,164,.5); --tw-ring-offset-color: #fff; --tw-ring-offset-shadow: 0 0 transparent; --tw-ring-offset-width: 0px; --tw-ring-shadow: 0 0 transparent; --tw-rotate: 0; --tw-scale-x: 1; --tw-scale-y: 1; --tw-scroll-snap-strictness: proximity; --tw-shadow-colored: 0 0 transparent; --tw-shadow: 0 0 transparent; --tw-skew-x: 0; --tw-skew-y: 0; --tw-translate-x: 0; --tw-translate-y: 0; background-color: white; border: 0px solid rgb(227, 227, 227); box-sizing: border-box; color: #0d0d0d; font-family: Söhne, ui-sans-serif, system-ui, -apple-system, "Segoe UI", Roboto, Ubuntu, Cantarell, "Noto Sans", sans-serif, "Helvetica Neue", Arial, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji"; font-size: 1.25em; line-height: 1.6; margin: 1rem 0px 0.5rem; white-space-collapse: preserve;">Tips for Improving Your Credit Score for a Kentucky Mortgage Loan</h3><p style="--tw-border-spacing-x: 0; --tw-border-spacing-y: 0; --tw-ring-color: rgba(69,89,164,.5); --tw-ring-offset-color: #fff; --tw-ring-offset-shadow: 0 0 transparent; --tw-ring-offset-width: 0px; --tw-ring-shadow: 0 0 transparent; --tw-rotate: 0; --tw-scale-x: 1; --tw-scale-y: 1; --tw-scroll-snap-strictness: proximity; --tw-shadow-colored: 0 0 transparent; --tw-shadow: 0 0 transparent; --tw-skew-x: 0; --tw-skew-y: 0; --tw-translate-x: 0; --tw-translate-y: 0; background-color: white; border: 0px solid rgb(227, 227, 227); box-sizing: border-box; color: #0d0d0d; font-family: Söhne, ui-sans-serif, system-ui, -apple-system, "Segoe UI", Roboto, Ubuntu, Cantarell, "Noto Sans", sans-serif, "Helvetica Neue", Arial, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji"; font-size: 16px; margin: 0px 0px 1.25em; white-space-collapse: preserve;">If your credit score is below the desired threshold for a mortgage loan, don't despair. There are steps you can take to improve your creditworthiness over time:</p><ul style="--tw-border-spacing-x: 0; --tw-border-spacing-y: 0; --tw-ring-color: rgba(69,89,164,.5); --tw-ring-offset-color: #fff; --tw-ring-offset-shadow: 0 0 transparent; --tw-ring-offset-width: 0px; --tw-ring-shadow: 0 0 transparent; --tw-rotate: 0; --tw-scale-x: 1; --tw-scale-y: 1; --tw-scroll-snap-strictness: proximity; --tw-shadow-colored: 0 0 transparent; --tw-shadow: 0 0 transparent; --tw-skew-x: 0; --tw-skew-y: 0; --tw-translate-x: 0; --tw-translate-y: 0; background-color: white; border: 0px solid rgb(227, 227, 227); box-sizing: border-box; color: #0d0d0d; display: flex; flex-direction: column; font-family: Söhne, ui-sans-serif, system-ui, -apple-system, "Segoe UI", Roboto, Ubuntu, Cantarell, "Noto Sans", sans-serif, "Helvetica Neue", Arial, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji"; font-size: 16px; list-style-image: initial; list-style-position: initial; margin: 1.25em 0px; padding: 0px; white-space-collapse: preserve;"><li style="--tw-border-spacing-x: 0; --tw-border-spacing-y: 0; --tw-ring-color: rgba(69,89,164,.5); --tw-ring-offset-color: #fff; --tw-ring-offset-shadow: 0 0 transparent; --tw-ring-offset-width: 0px; --tw-ring-shadow: 0 0 transparent; --tw-rotate: 0; --tw-scale-x: 1; --tw-scale-y: 1; --tw-scroll-snap-strictness: proximity; --tw-shadow-colored: 0 0 transparent; --tw-shadow: 0 0 transparent; --tw-skew-x: 0; --tw-skew-y: 0; --tw-translate-x: 0; --tw-translate-y: 0; border: 0px solid rgb(227, 227, 227); box-sizing: border-box; display: block; margin: 0px; min-height: 28px; padding-left: 0.375em;"><span style="--tw-border-spacing-x: 0; --tw-border-spacing-y: 0; --tw-ring-color: rgba(69,89,164,.5); --tw-ring-offset-color: #fff; --tw-ring-offset-shadow: 0 0 transparent; --tw-ring-offset-width: 0px; --tw-ring-shadow: 0 0 transparent; --tw-rotate: 0; --tw-scale-x: 1; --tw-scale-y: 1; --tw-scroll-snap-strictness: proximity; --tw-shadow-colored: 0 0 transparent; --tw-shadow: 0 0 transparent; --tw-skew-x: 0; --tw-skew-y: 0; --tw-translate-x: 0; --tw-translate-y: 0; border: 0px solid rgb(227, 227, 227); box-sizing: border-box; color: var(--tw-prose-bold); font-weight: 600; margin-bottom: 1.25em; margin-top: 1.25em;">Check Your Credit Report</span>: Obtain a free copy of your credit report from each of the three major credit bureaus—Equifax, Experian, and TransUnion—and review them for errors or discrepancies.</li><li style="--tw-border-spacing-x: 0; --tw-border-spacing-y: 0; --tw-ring-color: rgba(69,89,164,.5); --tw-ring-offset-color: #fff; --tw-ring-offset-shadow: 0 0 transparent; --tw-ring-offset-width: 0px; --tw-ring-shadow: 0 0 transparent; --tw-rotate: 0; --tw-scale-x: 1; --tw-scale-y: 1; --tw-scroll-snap-strictness: proximity; --tw-shadow-colored: 0 0 transparent; --tw-shadow: 0 0 transparent; --tw-skew-x: 0; --tw-skew-y: 0; --tw-translate-x: 0; --tw-translate-y: 0; border: 0px solid rgb(227, 227, 227); box-sizing: border-box; display: block; margin: 0px; min-height: 28px; padding-left: 0.375em;"><span style="--tw-border-spacing-x: 0; --tw-border-spacing-y: 0; --tw-ring-color: rgba(69,89,164,.5); --tw-ring-offset-color: #fff; --tw-ring-offset-shadow: 0 0 transparent; --tw-ring-offset-width: 0px; --tw-ring-shadow: 0 0 transparent; --tw-rotate: 0; --tw-scale-x: 1; --tw-scale-y: 1; --tw-scroll-snap-strictness: proximity; --tw-shadow-colored: 0 0 transparent; --tw-shadow: 0 0 transparent; --tw-skew-x: 0; --tw-skew-y: 0; --tw-translate-x: 0; --tw-translate-y: 0; border: 0px solid rgb(227, 227, 227); box-sizing: border-box; color: var(--tw-prose-bold); font-weight: 600; margin-bottom: 1.25em; margin-top: 1.25em;">Pay Bills on Time</span>: Your payment history is one of the most significant factors affecting your credit score. Make sure to pay all your bills, including credit cards, loans, and utilities, on time.</li><li style="--tw-border-spacing-x: 0; --tw-border-spacing-y: 0; --tw-ring-color: rgba(69,89,164,.5); --tw-ring-offset-color: #fff; --tw-ring-offset-shadow: 0 0 transparent; --tw-ring-offset-width: 0px; --tw-ring-shadow: 0 0 transparent; --tw-rotate: 0; --tw-scale-x: 1; --tw-scale-y: 1; --tw-scroll-snap-strictness: proximity; --tw-shadow-colored: 0 0 transparent; --tw-shadow: 0 0 transparent; --tw-skew-x: 0; --tw-skew-y: 0; --tw-translate-x: 0; --tw-translate-y: 0; border: 0px solid rgb(227, 227, 227); box-sizing: border-box; display: block; margin: 0px; min-height: 28px; padding-left: 0.375em;"><span style="--tw-border-spacing-x: 0; --tw-border-spacing-y: 0; --tw-ring-color: rgba(69,89,164,.5); --tw-ring-offset-color: #fff; --tw-ring-offset-shadow: 0 0 transparent; --tw-ring-offset-width: 0px; --tw-ring-shadow: 0 0 transparent; --tw-rotate: 0; --tw-scale-x: 1; --tw-scale-y: 1; --tw-scroll-snap-strictness: proximity; --tw-shadow-colored: 0 0 transparent; --tw-shadow: 0 0 transparent; --tw-skew-x: 0; --tw-skew-y: 0; --tw-translate-x: 0; --tw-translate-y: 0; border: 0px solid rgb(227, 227, 227); box-sizing: border-box; color: var(--tw-prose-bold); font-weight: 600; margin-bottom: 1.25em; margin-top: 1.25em;">Reduce Credit Card Balances</span>: Aim to keep your credit card balances low relative to your credit limits. High credit utilization can negatively impact your credit score.</li><li style="--tw-border-spacing-x: 0; --tw-border-spacing-y: 0; --tw-ring-color: rgba(69,89,164,.5); --tw-ring-offset-color: #fff; --tw-ring-offset-shadow: 0 0 transparent; --tw-ring-offset-width: 0px; --tw-ring-shadow: 0 0 transparent; --tw-rotate: 0; --tw-scale-x: 1; --tw-scale-y: 1; --tw-scroll-snap-strictness: proximity; --tw-shadow-colored: 0 0 transparent; --tw-shadow: 0 0 transparent; --tw-skew-x: 0; --tw-skew-y: 0; --tw-translate-x: 0; --tw-translate-y: 0; border: 0px solid rgb(227, 227, 227); box-sizing: border-box; display: block; margin: 0px; min-height: 28px; padding-left: 0.375em;"><span style="--tw-border-spacing-x: 0; --tw-border-spacing-y: 0; --tw-ring-color: rgba(69,89,164,.5); --tw-ring-offset-color: #fff; --tw-ring-offset-shadow: 0 0 transparent; --tw-ring-offset-width: 0px; --tw-ring-shadow: 0 0 transparent; --tw-rotate: 0; --tw-scale-x: 1; --tw-scale-y: 1; --tw-scroll-snap-strictness: proximity; --tw-shadow-colored: 0 0 transparent; --tw-shadow: 0 0 transparent; --tw-skew-x: 0; --tw-skew-y: 0; --tw-translate-x: 0; --tw-translate-y: 0; border: 0px solid rgb(227, 227, 227); box-sizing: border-box; color: var(--tw-prose-bold); font-weight: 600; margin-bottom: 1.25em; margin-top: 1.25em;">Avoid Opening New Credit Accounts</span>: While having a mix of credit accounts can be beneficial, opening multiple new accounts within a short period can lower your credit score.</li></ul><div class="separator" style="clear: both; text-align: center;"><iframe allowfullscreen="" class="BLOG_video_class" height="266" src="https://www.youtube.com/embed/iM74Gt0GmMI" width="320" youtube-src-id="iM74Gt0GmMI"></iframe></div><br /><div><br /></div><h3 style="--tw-border-spacing-x: 0; --tw-border-spacing-y: 0; --tw-ring-color: rgba(69,89,164,.5); --tw-ring-offset-color: #fff; --tw-ring-offset-shadow: 0 0 transparent; --tw-ring-offset-width: 0px; --tw-ring-shadow: 0 0 transparent; --tw-rotate: 0; --tw-scale-x: 1; --tw-scale-y: 1; --tw-scroll-snap-strictness: proximity; --tw-shadow-colored: 0 0 transparent; --tw-shadow: 0 0 transparent; --tw-skew-x: 0; --tw-skew-y: 0; --tw-translate-x: 0; --tw-translate-y: 0; background-color: white; border: 0px solid rgb(227, 227, 227); box-sizing: border-box; color: #0d0d0d; font-family: Söhne, ui-sans-serif, system-ui, -apple-system, "Segoe UI", Roboto, Ubuntu, Cantarell, "Noto Sans", sans-serif, "Helvetica Neue", Arial, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji"; font-size: 1.25em; line-height: 1.6; margin: 1rem 0px 0.5rem; white-space-collapse: preserve;">Conclusion</h3><p style="--tw-border-spacing-x: 0; --tw-border-spacing-y: 0; --tw-ring-color: rgba(69,89,164,.5); --tw-ring-offset-color: #fff; --tw-ring-offset-shadow: 0 0 transparent; --tw-ring-offset-width: 0px; --tw-ring-shadow: 0 0 transparent; --tw-rotate: 0; --tw-scale-x: 1; --tw-scale-y: 1; --tw-scroll-snap-strictness: proximity; --tw-shadow-colored: 0 0 transparent; --tw-shadow: 0 0 transparent; --tw-skew-x: 0; --tw-skew-y: 0; --tw-translate-x: 0; --tw-translate-y: 0; background-color: white; border: 0px solid rgb(227, 227, 227); box-sizing: border-box; color: #0d0d0d; font-family: Söhne, ui-sans-serif, system-ui, -apple-system, "Segoe UI", Roboto, Ubuntu, Cantarell, "Noto Sans", sans-serif, "Helvetica Neue", Arial, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji"; font-size: 16px; margin: 0px 0px 1.25em; white-space-collapse: preserve;">In Kentucky, credit score requirements for mortgage loans can vary depending on the type of loan and lender you choose. While higher credit scores generally improve your chances of loan approval and favorable terms, there are loan programs available for borrowers with less-than-perfect credit.</p><p style="--tw-border-spacing-x: 0; --tw-border-spacing-y: 0; --tw-ring-color: rgba(69,89,164,.5); --tw-ring-offset-color: #fff; --tw-ring-offset-shadow: 0 0 transparent; --tw-ring-offset-width: 0px; --tw-ring-shadow: 0 0 transparent; --tw-rotate: 0; --tw-scale-x: 1; --tw-scale-y: 1; --tw-scroll-snap-strictness: proximity; --tw-shadow-colored: 0 0 transparent; --tw-shadow: 0 0 transparent; --tw-skew-x: 0; --tw-skew-y: 0; --tw-translate-x: 0; --tw-translate-y: 0; background-color: white; border: 0px solid rgb(227, 227, 227); box-sizing: border-box; color: #0d0d0d; font-family: Söhne, ui-sans-serif, system-ui, -apple-system, "Segoe UI", Roboto, Ubuntu, Cantarell, "Noto Sans", sans-serif, "Helvetica Neue", Arial, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji"; font-size: 16px; margin: 1.25em 0px 0px; white-space-collapse: preserve;">Before applying for a mortgage loan, it's essential to review your credit report, understand your credit score, and take steps to improve it if necessary. By demonstrating responsible financial behavior and maintaining a good credit history, you can increase your likelihood of securing a mortgage loan and achieving your homeownership goals in Kentucky.</p><p style="--tw-border-spacing-x: 0; --tw-border-spacing-y: 0; --tw-ring-color: rgba(69,89,164,.5); --tw-ring-offset-color: #fff; --tw-ring-offset-shadow: 0 0 transparent; --tw-ring-offset-width: 0px; --tw-ring-shadow: 0 0 transparent; --tw-rotate: 0; --tw-scale-x: 1; --tw-scale-y: 1; --tw-scroll-snap-strictness: proximity; --tw-shadow-colored: 0 0 transparent; --tw-shadow: 0 0 transparent; --tw-skew-x: 0; --tw-skew-y: 0; --tw-translate-x: 0; --tw-translate-y: 0; background-color: white; border: 0px solid rgb(227, 227, 227); box-sizing: border-box; color: #0d0d0d; font-family: Söhne, ui-sans-serif, system-ui, -apple-system, "Segoe UI", Roboto, Ubuntu, Cantarell, "Noto Sans", sans-serif, "Helvetica Neue", Arial, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji"; font-size: 16px; margin: 1.25em 0px 0px; white-space-collapse: preserve;"><br /></p><div dir="ltr"><h1 style="color: #222222;"><strong style="font-size: small;">Joel Lobb </strong><strong style="font-size: small;">Mortgage Loan Officer</strong></h1><strong style="color: #222222;">American Mortgage Solutions, Inc.</strong><br style="color: #222222;" /><strong style="color: #222222;">10602 Timberwood Circle</strong><br style="color: #222222;" /><strong style="color: #222222;">Louisville, KY 40223</strong><br style="color: #222222;" /><strong style="color: #222222;">Company NMLS ID #1364</strong><br style="color: #222222;" /><br style="color: #222222;" /><span style="color: red;"><strong>Text/call: 502-905-3708</strong><br /><strong>fax: 502-327-9119<br />email:</strong></span><strong style="color: #222222;"><span style="color: red;"> </span><a href="mailto:kentuckyloan@gmail.com" style="color: #1155cc;" target="_blank"><span style="color: red;">kentuckyloan@gmail.com</span></a></strong><br style="color: #222222;" /><p style="color: #222222;"><strong><a href="https://u6837958.ct.sendgrid.net/ls/click?upn=yDl4ONl2FnWoxI2oUNFFdRLTTAUR6y90NKFY4MVDgLrvgV5JMFyv678UBGQn5ITz-2F9bBlLpKi1T8g4odG86bqA-3D-3D4dbF_1UNj7hvg7uUE8G5zDMsBgP0qkAFLLWYc62YOGAQ6BSEELGOxNkZE13wbiOroZAYR0-2FUM4CYCCXkRTkFayVZSfjJ5dPRpECoVgXmtswvjQYMs3nyfHkCAWNreolgwA9vpSrTKFvOpkb1Zo4WNFjjBzgblYoXbwHuJHSL0qfi7a3IcVIRp9IA17ZuZtCdnOLKVctzNhv5qM8dw0siqXVRKhUcHKbT2aSp-2FdibS3FZokq3haw5OCmFZPSo5GwU0QJd9QfE-2FjbZ6cC9waLaLOqLjLHNvvS6K5VgF5qw5UD9HtcmUMZGrnEfRViPpToLA7aNgoH4obFiHJV-2FNKDKYvnN3ExcA2OXosEMlF69ic5bGmNCW6EM2XWsTL-2FNHuYV8vPC9cDr9Ju4mZV8Dk4QjPeXmHxmFa0Bzfn8tkSylyZY-2FUoQ8IuS-2B51ApxVtwC0M6wEyzPLRySS9CkBsJ2or6yCT3uppB8UHa8Pz-2Brv8QlzKhM8g-3D" style="color: #1155cc;" target="_blank"><span style="color: red;">http://www.mylouisvillekentuckymortgage.com/</span></a></strong></p><p style="color: #222222;"></p><p style="color: #222222;"><br /></p><p style="color: #222222;"><img src="https://ci4.googleusercontent.com/proxy/1KQ2czV_rxsQjXM7GsBdSS4qXcqPUO3bF-bl5c6-reJxAc1BXnPR55dwGNWYqzW0ncQcFdYQE1xgtSjehLutydaiG9JvwzNqDksdEOAgCz0ldMwz8gX0WQMbxK7UxVgLfGKqYX6e75T87REifWhOodHAFwRVg4NRrgsM3q94=s0-d-e1-ft#https://encrypted-tbn0.gstatic.com/images?q=tbn:ANd9GcSrlFJJlcULRY0tNMWjPvz0p9kAuFLYXr0YbPIXYluJW1qZRI3f" /></p><p style="color: #222222;"></p><span style="color: #222222;"><div dir="ltr"><br /></div><div dir="ltr"><span style="color: rgba(0,0,0,0.9); font-family: -apple-system,system-ui,BlinkMacSystemFont,"Segoe UI",Roboto,"Helvetica Neue","Fira Sans",Ubuntu,Oxygen,"Oxygen Sans",Cantarell,"Droid Sans","Apple Color Emoji","Segoe UI Emoji","Segoe UI Emoji","Segoe UI Symbol","Lucida Grande",Helvetica,Arial,sans-serif; font-size: 14px;">NMLS 57916 | Company NMLS #1364/MB73346135166/MBR1574</span></div><div dir="ltr"><br style="color: rgba(0,0,0,0.9); font-family: -apple-system,system-ui,BlinkMacSystemFont,"Segoe UI",Roboto,"Helvetica Neue","Fira Sans",Ubuntu,Oxygen,"Oxygen Sans",Cantarell,"Droid Sans","Apple Color Emoji","Segoe UI Emoji","Segoe UI Emoji","Segoe UI Symbol","Lucida Grande",Helvetica,Arial,sans-serif; font-size: 14px; line-height: inherit!important;" /><a href="https://www.emailmeform.com/builder/form/0bfJs9b6bK8TGoc6mQk9hIu" target="_blank">Get Approved Now Click Here</a></div><div dir="ltr"><br /></div>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</span><a href="https://u6837958.ct.sendgrid.net/ls/click?upn=QeGBzuH2Omh4G8v1pXHrQS1g6H2Ok594vLcQnW1lyknbckT67tKaQxT6SPyLpSBloqscNlovnnm3AOysbnWTaj-2BEa-2Bi44k0mS6qPov-2FyXrtlMMntK0Trk1bXKiEA8kCu-2FnQDsNqk1wqPGQQZERhBwZ-2BBdcOoZEDZJGo0DHn7sYU-3DF83G_1UNj7hvg7uUE8G5zDMsBgP0qkAFLLWYc62YOGAQ6BSEELGOxNkZE13wbiOroZAYR0-2FUM4CYCCXkRTkFayVZSfjJ5dPRpECoVgXmtswvjQYMs3nyfHkCAWNreolgwA9vpSrTKFvOpkb1Zo4WNFjjBzgblYoXbwHuJHSL0qfi7a3IcVIRp9IA17ZuZtCdnOLKVctzNhv5qM8dw0siqXVRKhUcHKbT2aSp-2FdibS3FZokq3haw5OCmFZPSo5GwU0QJd9QfE-2FjbZ6cC9waLaLOqLjLHNvvS6K5VgF5qw5UD9HtcmUMZGrnEfRViPpToLA7aNgoH4obFiHJV-2FNKDKYvnN3E8mXPtRwdvTqpF-2FzdZQKf0Zrcct3qxCd3tMbXsUnenctfeDPBzyHasznmrVwNnv0IL-2FsfFTKOnGT1LY7DJqhBoDyJD8k-2FhwTuhMq7hBh-2BXB4Y4LicUOAkIjfxiXGkdP9EYCaeui4Cb3JBlBC0TUTYls-3D" style="color: #1155cc;" target="_blank">, </a><span style="color: #222222;">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.</span><br style="color: #222222;" /><span style="color: #222222;">NMLS ID# 57916, (</span><a href="http://www.nmlsconsumeraccess.org/" style="color: #1155cc;" target="_blank">www.nmlsconsumeraccess.org</a><span style="color: #222222;">).</span><br style="color: #222222;" /></div><div dir="ltr"><span style="color: #222222;"><br /></span></div><div dir="ltr"><span style="color: #222222;"><img data-aii="CiExekY1T2VQTmlXLURfUU9nR25Rc1NrenZiUlVpUnhxeGk" data-os="https://lh3.googleusercontent.com/d/1zF5OePNiW-D_QOgGnQsSkzvbRUiRxqxi" height="284" src="https://ci3.googleusercontent.com/mail-sig/AIorK4z8hNT6XBDra8zmZTmg_8WRWFCg2ZtN2QkgcGW4zAtzbVBzOSDLqq7VLemUIWhwBOYDJLJsByw" width="420" /></span></div><p style="--tw-border-spacing-x: 0; --tw-border-spacing-y: 0; --tw-ring-color: rgba(69,89,164,.5); --tw-ring-offset-color: #fff; --tw-ring-offset-shadow: 0 0 transparent; --tw-ring-offset-width: 0px; --tw-ring-shadow: 0 0 transparent; --tw-rotate: 0; --tw-scale-x: 1; --tw-scale-y: 1; --tw-scroll-snap-strictness: proximity; --tw-shadow-colored: 0 0 transparent; --tw-shadow: 0 0 transparent; --tw-skew-x: 0; --tw-skew-y: 0; --tw-translate-x: 0; --tw-translate-y: 0; background-color: white; border: 0px solid rgb(227, 227, 227); box-sizing: border-box; color: #0d0d0d; font-family: Söhne, ui-sans-serif, system-ui, -apple-system, "Segoe UI", Roboto, Ubuntu, Cantarell, "Noto Sans", sans-serif, "Helvetica Neue", Arial, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji"; font-size: 16px; margin: 1.25em 0px 0px; white-space-collapse: preserve;"><br /></p>Joel Lobb, Mortgage Broker FHA, VA, KHC, USDAhttp://www.blogger.com/profile/14742291613632757087noreply@blogger.comtag:blogger.com,1999:blog-2083715272801756161.post-52681602852601414072024-03-07T14:12:00.001-05:002024-03-07T14:12:06.214-05:00Louisville Kentucky Mortgage Lender for FHA, VA, KHC, USDA and Rural Housing Kentucky Mortgages: KHC Loan Programs for Down Payment Assistance In K...<a href="https://www.mylouisvillekentuckymortgage.com/2012/08/khc-loan-programs.html?spref=bl">Louisville Kentucky Mortgage Lender for FHA, VA, KHC, USDA and Rural Housing Kentucky Mortgages: KHC Loan Programs for Down Payment Assistance In K...</a>: KHC Loan Programs KHC Loan Programs MRB All MRB Kentucky Housing first mortgage loans are for a 30-year term at a fixed rate of...Joel Lobb, Mortgage Broker FHA, VA, KHC, USDAhttp://www.blogger.com/profile/14742291613632757087noreply@blogger.comtag:blogger.com,1999:blog-2083715272801756161.post-79040171884741087992024-03-06T10:04:00.001-05:002024-03-06T10:04:29.418-05:00Louisville Kentucky Mortgage Lender for FHA, VA, KHC, USDA and Rural Housing Kentucky Mortgages: What is a Good Credit Score for a Kentucky FHA, VA...<a href="https://www.mylouisvillekentuckymortgage.com/2013/07/what-is-good-credit-score.html?spref=bl">Louisville Kentucky Mortgage Lender for FHA, VA, KHC, USDA and Rural Housing Kentucky Mortgages: What is a Good Credit Score for a Kentucky FHA, VA...</a>: What is a Good Credit Score What is a Good Credit Score? An established credit history and credit score often stands between potent...Joel Lobb, Mortgage Broker FHA, VA, KHC, USDAhttp://www.blogger.com/profile/14742291613632757087noreply@blogger.comtag:blogger.com,1999:blog-2083715272801756161.post-74133930641726727492024-03-05T12:21:00.000-05:002024-03-05T12:21:26.043-05:00The Credit Report and Credit Scores Used For A Kentucky Mortgage Loan Approval FHA, USDA, Fannie Mae and VA <h4 style="text-align: left;"><br /></h4><p><br /></p><div dir="ltr" style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif;"><div><span face="trebuchet ms, sans-serif">A lot of buyers are hesitant about having their credit pulled because they think it will go down, whereas in most cases, scores are really the same with most mortgage lenders. <span class="gmail_default">Below I will try to explain to you what mortgage lenders use for credit <span aria-haspopup="true" id="m_3711203728028167716m_3727893095005423784m_-5980307217606521294m_4625438559058771102m_-1516252784549668019m_7350747927861723432:7v4.1" role="menuitem">qualifying</span> scores and why you may have a different credit score and why some lenders may require a <span aria-haspopup="true" id="m_3711203728028167716m_3727893095005423784m_-5980307217606521294m_4625438559058771102m_-1516252784549668019m_7350747927861723432:7v4.2" role="menuitem">higher</span> score than other lenders.</span></span></div><div><span face="trebuchet ms, sans-serif"><br /></span></div><div><span face="trebuchet ms, sans-serif">Lastly, each lender must pull their own credit report and cannot use another lender's credit report or the consumer's credit report. I will explain the reasoning below. </span></div><div><span face="trebuchet ms, sans-serif"><br /></span></div><h2 style="text-align: left;"><span face="trebuchet ms, sans-serif"><b><u>Does shopping around for a mortgage hurt my credit?</u></b></span></h2><div><span face="trebuchet ms, sans-serif"><b><u><br /></u></b></span></div><div><span face="trebuchet ms, sans-serif"><b><br /></b>No. Within a 45-day window, multiple credit checks from mortgage lenders are recorded on your credit report as a single inquiry. This is because other lenders realize that you are only going to buy one home. <br /><br />The impact on your credit is the same no matter how many lenders you consult, as long as the last credit check is within 45 days of the first credit check. Even if a lender needs to check your credit after the 45-day window is over, shopping around is usually still worth it. The <span aria-haspopup="true" id="m_3711203728028167716m_3727893095005423784m_-5980307217606521294m_4625438559058771102m_-1516252784549668019m_7350747927861723432:7v4.3" role="menuitem">effect</span> of an additional inquiry is small, while shopping around for the best deal can save you a lot of money in the long run.</span></div><div><span face="trebuchet ms, sans-serif"><br /></span></div><div><span face="trebuchet ms, sans-serif"><br /></span></div><div><h2 style="text-align: left;"><b><u><span face="trebuchet ms, sans-serif">Why do some mortgage lenders require a certain credit score whereas other mortgage lenders may not?</span></u></b></h2><div><b><u><span face="trebuchet ms, sans-serif"><br /></span></u></b></div><span face="trebuchet ms, sans-serif"><br /></span></div><div><p style="box-sizing: border-box; color: #1f323f; line-height: 1.5em; margin: 0px 0px 1rem;"><span face="trebuchet ms, sans-serif"><span class="gmail_default">One Word Mortgage Overlays. Some lenders will <span aria-haspopup="true" id="m_3711203728028167716m_3727893095005423784m_-5980307217606521294m_4625438559058771102m_-1516252784549668019m_7350747927861723432:7v4.4" role="menuitem">institute</span> a higher credit score than the minimum below to lessen their risk of having to buy the loan back from the government agencies if they get too many mortgage defaults. In order to protect their lending <span aria-haspopup="true" id="m_3711203728028167716m_3727893095005423784m_-5980307217606521294m_4625438559058771102m_-1516252784549668019m_7350747927861723432:7v4.5" role="menuitem">portfolio</span> and hedging their risk, they will require say a 640 credit score or higher for a FHA loan, whereas the <span aria-haspopup="true" id="m_3711203728028167716m_3727893095005423784m_-5980307217606521294m_4625438559058771102m_-1516252784549668019m_7350747927861723432:7v4.6" role="menuitem">guidelines</span> clearly state you can do a FHA loan with a minimum credit score of 580 </span>To understand mortgage overlays, it helps to have a foundation of how the mortgage approval process works. Mortgage lenders always have underwriting guidelines—standards to determine the amount and terms you qualify for.</span></p><p style="box-sizing: border-box; color: #1f323f; line-height: 1.5em; margin: 0px 0px 1rem;"><span face="trebuchet ms, sans-serif"><span class="gmail_default">Credit Score </span>Minimum guidelines are typically set based on the mortgage program, e.g., FHA, VA, or USDA. FHA, <span class="gmail_default">--</span></span></p><p style="box-sizing: border-box; color: #1f323f; line-height: 1.5em; margin: 0px 0px 1rem;"><span face="trebuchet ms, sans-serif"><img alt="👇" aria-label="👇" class="an1" data-emoji="👇" loading="lazy" src="https://fonts.gstatic.com/s/e/notoemoji/15.0/1f447/72.png" style="height: 1.2em; vertical-align: middle; width: 1.2em;" /></span></p><span face="trebuchet ms, sans-serif"><img alt="How Credit Scores Affect your Kentucky Mortgage Loan Approval Chances" class="CToWUd a6T" data-bit="iit" data-image-whitelisted="" height="421" src="https://mail.google.com/mail/u/0?ui=2&ik=e39ca2aef8&attid=0.2&permmsgid=msg-a:r-944928416449071584&th=18e0a17323501b1b&view=fimg&fur=ip&sz=s0-l75-ft&attbid=ANGjdJ_sOXoTxDOTwb5QMPqkCat_Hh0Ih3G5W1xJeAeo7btzI7j6zTLMMst-GKLVrFGBQYI_JkB8NIWKVvQEVmx5bwl2uRtR_PCdGmW-mWj34O1wYEdI7limpEBZmSY&disp=emb&realattid=ii_lt7gtcqr3" style="cursor: pointer; outline: 0px;" tabindex="0" title="How Credit Scores Affect your Kentucky Mortgage Loan Approval Chances" width="640" /></span><p style="box-sizing: border-box; color: #1f323f; line-height: 1.5em; margin: 0px 0px 1rem;"></p></div><div><span face="trebuchet ms, sans-serif"><br /></span></div><div><span face="trebuchet ms, sans-serif"><br /></span></div><div><span face="trebuchet ms, sans-serif"><br /></span></div><h3 style="text-align: left;"><span class="gmail_default"><span face="trebuchet ms, sans-serif"><u>What score does the Mortgage Lender Use? Why may it be different than the one you are seeing?</u></span></span></h3><div><span class="gmail_default"><span face="trebuchet ms, sans-serif"><u><br /></u></span></span></div><div><span face="trebuchet ms, sans-serif"><br /></span></div><span face="trebuchet ms, sans-serif"><br />The reason mortgage lenders use older FICO Scores is because they <span aria-haspopup="true" id="m_3711203728028167716m_3727893095005423784m_-5980307217606521294m_4625438559058771102m_-1516252784549668019m_7350747927861723432:7v4.7" role="menuitem">don’t</span> have a choice. They are essentially forced to use them.<br /><br />For a bank to sell a mortgage to Fannie Mae or Freddie Mac<span class="gmail_default">, FHA VA, USDA, Etc</span>, the loan has to meet certain guidelines. Some of these guidelines require borrowers to have a minimum credit score under specific FICO Score generations.<br /><br />If <span aria-haspopup="true" id="m_3711203728028167716m_3727893095005423784m_-5980307217606521294m_4625438559058771102m_-1516252784549668019m_7350747927861723432:7v4.8" role="menuitem">you’re</span> planning to apply for a mortgage, be aware that the credit score you see on your application might differ slightly from the one <span aria-haspopup="true" id="m_3711203728028167716m_3727893095005423784m_-5980307217606521294m_4625438559058771102m_-1516252784549668019m_7350747927861723432:7v4.9" role="menuitem">you’re</span> used to.<br /><br />It might even be different than what comes up when you monitor your credit, or even when you apply for a car loan.<br /><br />Banks use a slightly different credit score model when evaluating mortgage applicants. Below, we go over what you need to know about credit scores <span aria-haspopup="true" id="m_3711203728028167716m_3727893095005423784m_-5980307217606521294m_4625438559058771102m_-1516252784549668019m_7350747927861723432:7v4.10" role="menuitem">you’re</span> looking to buy a home.<br /><br />The scoring model used in mortgage applications<br /><br />While the FICO® 8 model is the most widely used scoring model for general lending decisions, banks use the following FICO scores when you apply for a mortgage:<br /><br />FICO® Score 2 (Experian)<br />FICO® Score 5 (Equifax)<br />FICO® Score 4 (TransUnion)<br /><br />As you can see, each of the three main credit bureaus (Equifax, Experian and TransUnion) use a slightly different version of the industry-specific FICO Score. That’s because FICO tweaks and tailors its scoring model to best predict the creditworthiness for different industries and bureaus. You’re still evaluated on the same core factors (payment history, credit use, credit mix and age of your accounts), but the categories are weighed a little bit differently.<br /><br />The FICO 8 model is known for being more critical of high balances on revolving credit lines. Since revolving credit is less of a factor when it comes to mortgages, the FICO 2, 4 and 5 models, which put less emphasis on credit utilization, have proven to be reliable when evaluating good candidates for a mortgage.<br /><br />Mortgage lenders pull all three reports, from all three bureaus, but they only use one when making their final decision.<br /><br />“A bank will use all three bureaus,”--- “It’s called a tri-merge.”<br /><br />If all three of your scores are the same, then their choice is simple. But what if your scores are different?<br /><br /></span></div><div dir="ltr" style="background-color: white; font-family: Arial, Helvetica, sans-serif;"><div dir="ltr"><div style="color: #222222;"><span face="trebuchet ms, sans-serif">And if you are applying for a mortgage with another person, such as your spouse or partner, each applicant’s FICO 2, 4 and 5 scores are pulled. The bank identifies the median score for both parties, then uses the lowest of the final two.<br /></span></div><div style="color: #222222;"><span face="trebuchet ms, sans-serif"><br /></span></div><div style="color: #222222;"><span face="trebuchet ms, sans-serif"><br /></span></div><div style="color: #222222;"><span face="trebuchet ms, sans-serif"><img alt="How Credit Scores Affect your Kentucky Mortgage Loan Approval Chances" class="CToWUd a6T" data-bit="iit" data-image-whitelisted="" src="https://mail.google.com/mail/u/0?ui=2&ik=e39ca2aef8&attid=0.1&permmsgid=msg-a:r-944928416449071584&th=18e0a17323501b1b&view=fimg&fur=ip&sz=s0-l75-ft&attbid=ANGjdJ_E9Mx7odv-4bdVZHUrc_kwOB9sY2F_a8Lr0wnvl2KRflQn3zK-DAlcKgDKecEIudG9sqOBTlaOe2DW05huaYD7LERIfpmh6bSeBVYyKffXjMeEf7DjftM15i4&disp=emb&realattid=ii_l1hu9rzf1" style="cursor: pointer; margin-right: 0px; outline: 0px;" tabindex="0" title="How Credit Scores Affect your Kentucky Mortgage Loan Approval Chances" /></span></div><div style="color: #222222;"><span face="trebuchet ms, sans-serif"><br /></span></div><div style="color: #222222;"><span face="trebuchet ms, sans-serif"><br /></span></div><div><span face="trebuchet ms, sans-serif"><div class="separator" style="clear: both; color: #222222; text-align: center;"><br /></div><h1 style="clear: both; text-align: center;"><span style="color: red; font-size: medium;"><u style="font-weight: normal;">How do you increase your score to qualify for a Kentucky Mortgage Loan</u></span></h1><div class="separator" style="clear: both; color: #222222; text-align: center;"><br /></div><div class="separator" style="clear: both; color: #222222; text-align: left;"><div dir="ltr" style="font-family: Arial, Helvetica, sans-serif;"><div style="font-family: verdana, sans-serif;"><div>By paying down your credit card balances<span style="color: red;"> (credit utilization) </span>and having a good pay history <span style="background-color: yellow;">(payment history)</span> ,this is the best way to raise your score. </div><div><br /></div><div><br /></div><div> The credit bureaus don't update immediately, so I would not add to the balance or open any new bills or have any other lender do an inquiry on your credit report while we wait for the scores to hopefully go up in the next 30 days. Try to keep everything status quo and make your payments on time and keep your balances low or lower than what is now reporting on the credit report. </div><div><br /></div><div><img alt="How Credit Scores Affect your Kentucky Mortgage Loan Approval Chances" class="CToWUd a6T" data-bit="iit" data-image-whitelisted="" src="https://mail.google.com/mail/u/0?ui=2&ik=e39ca2aef8&attid=0.0.2&permmsgid=msg-a:r-5114038653852029041&th=17a0bbcf25d7408d&view=fimg&fur=ip&sz=s0-l75-ft&attbid=ANGjdJ8ASnh-pDRdX0wyolVp532lLv9svI6nfFCbaWLqvP8tmsm8oqkEWI2_4KA03BomuqOpupjBid63BdiFyQpXo9gvIQF-sCOHTLG43ruse55WnbvfJTGd89wd8g8&disp=emb&realattid=ii_kfmwouw40" style="cursor: pointer; margin-right: 0px; outline: 0px;" tabindex="0" title="How Credit Scores Affect your Kentucky Mortgage Loan Approval Chances" /><br /></div><div><br /></div><div><img alt="How Credit Scores Affect your Kentucky Mortgage Loan Approval Chances" class="CToWUd a6T" data-bit="iit" data-image-whitelisted="" src="https://mail.google.com/mail/u/0?ui=2&ik=e39ca2aef8&attid=0.0.1&permmsgid=msg-a:r-5114038653852029041&th=17a0bbcf25d7408d&view=fimg&fur=ip&sz=s0-l75-ft&attbid=ANGjdJ-89StZHORnWXT1csBLsUsax2E8u17-dKSk1ZUd8ZvelJcO_6QjJDTqVC3vLL4hmy-NAl4V0Q2CSFyIjY90vLR4ZCAkP4pN5ULATOJcBp3sjozJwEgZATi71J8&disp=emb&realattid=ii_kfmwtuww1" style="cursor: pointer; margin-right: 0px; outline: 0px;" tabindex="0" title="How Credit Scores Affect your Kentucky Mortgage Loan Approval Chances" /><br /></div><div><br /></div><div><br /></div><br /></div></div><br style="font-family: Arial, Helvetica, sans-serif;" /><div class="gmail_quote" style="font-family: Arial, Helvetica, sans-serif;"><div class="gmail_attr" dir="ltr"><br /></div><blockquote class="gmail_quote" style="border-left: 1px solid rgb(204, 204, 204); margin: 0px 0px 0px 0.8ex; padding-left: 1ex;"><div dir="ltr"><div style="font-family: verdana, sans-serif;"><br /></div><div class="gmail_quote"><div dir="ltr"><div style="font-family: verdana, sans-serif;"><br clear="all" /></div><div><div dir="ltr"><p style="box-sizing: border-box; color: #5c6b80; font-family: "Lucida Sans Unicode", "Lucida Grande", sans-serif; font-feature-settings: "liga", "dlig"; margin: 0px 0px 1em; word-break: break-word;"><strong style="box-sizing: border-box;"><span class="gmail_default" face="verdana, sans-serif">How to improve your credit score!</span></strong></p><h2 style="box-sizing: border-box; color: #017dc3; font-family: "Lucida Sans Unicode", "Lucida Grande", sans-serif; line-height: 1.4em; margin: 1em 0px;"><span style="font-size: small;">Pay Every Single Bill on Time, or Early, Every Month</span></h2><p style="box-sizing: border-box; color: #5c6b80; font-family: "Lucida Sans Unicode", "Lucida Grande", sans-serif; font-feature-settings: "liga", "dlig"; margin: 0px 0px 1em; word-break: break-word;">Please understand one thing; paying your bills on time each month is the single most important thing you can do to increase your credit scores.</p><p style="box-sizing: border-box; color: #5c6b80; font-family: "Lucida Sans Unicode", "Lucida Grande", sans-serif; font-feature-settings: "liga", "dlig"; margin: 0px 0px 1em; word-break: break-word;">Depending on the credit bureau, there are 4 or 5 main items that determine everyone’s credit score. Of those items, your history of paying bills makes up about 35% of the score. THIS IS HUGE!</p><p style="box-sizing: border-box; color: #5c6b80; font-family: "Lucida Sans Unicode", "Lucida Grande", sans-serif; font-feature-settings: "liga", "dlig"; margin: 0px 0px 1em; word-break: break-word;">Paying your bills on time shows lenders that you are responsible. It will also spare you from paying late fees whether it is a charge from a credit card or an added fee from your landlord.</p><p style="box-sizing: border-box; color: #5c6b80; font-family: "Lucida Sans Unicode", "Lucida Grande", sans-serif; font-feature-settings: "liga", "dlig"; margin: 0px 0px 1em; word-break: break-word;">Use a calendar, or a phone app, or some other organized system to make sure that you pay your bills on time every single month.</p><p style="background: rgb(243, 243, 243); box-sizing: border-box; color: #5c6b80; font-family: "Lucida Sans Unicode", "Lucida Grande", sans-serif; font-feature-settings: "liga", "dlig"; margin: 0px 0px 1em; padding: 5px; text-align: center; word-break: break-word;"><strong style="box-sizing: border-box;">MAIN TIP:</strong> Do not pay ANY bill late!</p><h2 style="box-sizing: border-box; color: #017dc3; font-family: "Lucida Sans Unicode", "Lucida Grande", sans-serif; line-height: 1.4em; margin: 1em 0px;"><span style="font-size: small;">Credit Cards: Lower Balances Are Always Better<span class="gmail_default" face="verdana, sans-serif"> </span></span></h2><h2 style="box-sizing: border-box; color: #017dc3; line-height: 1.4em; margin: 1em 0px;"><span style="font-weight: normal;"><span face="arial, sans-serif" style="font-size: small;">Another big factor in calculating a credit score is the amount of credit card debt. Credit bureaus look at two things when analyzing your credit cards.</span></span></h2><h2 style="box-sizing: border-box; color: #017dc3; font-family: "Lucida Sans Unicode", "Lucida Grande", sans-serif; line-height: 1.4em; margin: 1em 0px;"></h2><p style="box-sizing: border-box; color: #5c6b80; font-family: "Lucida Sans Unicode", "Lucida Grande", sans-serif; font-feature-settings: "liga", "dlig"; margin: 0px 0px 1em; word-break: break-word;">First, they look at your available credit limit. Second, they look at the existing balance on each card. From these two figures an available ratio is developed. As the ratio goes higher, so too will your credit score increase.</p><p style="box-sizing: border-box; color: #5c6b80; font-family: "Lucida Sans Unicode", "Lucida Grande", sans-serif; font-feature-settings: "liga", "dlig"; margin: 0px 0px 1em; word-break: break-word;">Here is one simple example. Suppose a person has the following credit cards, corresponding balances, and credit limits</p><table style="border-collapse: collapse; border: 1px solid rgb(234, 237, 242); color: #5c6b80; font-family: "Lucida Sans Unicode", "Lucida Grande", sans-serif; margin-bottom: 1.5em; width: 788px;"><tbody style="box-sizing: border-box;"><tr style="border-bottom: 1px solid rgb(234, 237, 242); box-sizing: border-box;"><td style="border-right: 1px solid rgb(234, 237, 242); box-sizing: border-box; margin: 0px; padding: 7px;"><strong style="box-sizing: border-box;">Credit Card</strong></td><td style="border-right: 1px solid rgb(234, 237, 242); box-sizing: border-box; margin: 0px; padding: 7px;"><strong style="box-sizing: border-box;">Current Balance</strong></td><td style="border-right: 0px; box-sizing: border-box; margin: 0px; padding: 7px;"><strong style="box-sizing: border-box;">Credit Limit</strong></td></tr><tr style="background-color: #f8f9fa; border-bottom: 1px solid rgb(234, 237, 242); box-sizing: border-box;"><td style="border-right: 1px solid rgb(234, 237, 242); box-sizing: border-box; margin: 0px; padding: 7px;"><strong style="box-sizing: border-box;">Chase Visa</strong></td><td style="border-right: 1px solid rgb(234, 237, 242); box-sizing: border-box; margin: 0px; padding: 7px;">$105</td><td style="border-right: 0px; box-sizing: border-box; margin: 0px; padding: 7px;">$1,000</td></tr><tr style="border-bottom: 1px solid rgb(234, 237, 242); box-sizing: border-box;"><td style="border-right: 1px solid rgb(234, 237, 242); box-sizing: border-box; margin: 0px; padding: 7px;"><strong style="box-sizing: border-box;">Mastercard from local bank</strong></td><td style="border-right: 1px solid rgb(234, 237, 242); box-sizing: border-box; margin: 0px; padding: 7px;">$236</td><td style="border-right: 0px; box-sizing: border-box; margin: 0px; padding: 7px;">$1,500</td></tr><tr style="background-color: #f8f9fa; border-bottom: 1px solid rgb(234, 237, 242); box-sizing: border-box;"><td style="border-right: 1px solid rgb(234, 237, 242); box-sizing: border-box; margin: 0px; padding: 7px;"><strong style="box-sizing: border-box;">BP MasterCard</strong></td><td style="border-right: 1px solid rgb(234, 237, 242); box-sizing: border-box; margin: 0px; padding: 7px;">$87</td><td style="border-right: 0px; box-sizing: border-box; margin: 0px; padding: 7px;">$500</td></tr><tr style="border-bottom: 1px solid rgb(234, 237, 242); box-sizing: border-box;"><td style="border-right: 1px solid rgb(234, 237, 242); box-sizing: border-box; margin: 0px; padding: 7px;"><strong style="box-sizing: border-box;">Totals</strong></td><td style="border-right: 1px solid rgb(234, 237, 242); box-sizing: border-box; margin: 0px; padding: 7px;">$428</td><td style="border-right: 0px; box-sizing: border-box; margin: 0px; padding: 7px;">$3,000</td></tr></tbody></table><p style="box-sizing: border-box; color: #5c6b80; font-family: "Lucida Sans Unicode", "Lucida Grande", sans-serif; font-feature-settings: "liga", "dlig"; margin: 0px 0px 1em; word-break: break-word;">From these numbers, we get the following calculation</p><p style="box-sizing: border-box; color: #5c6b80; font-family: "Lucida Sans Unicode", "Lucida Grande", sans-serif; font-feature-settings: "liga", "dlig"; margin: 0px 0px 1em; word-break: break-word;">$428/$3,000 = 14%</p><p style="box-sizing: border-box; color: #5c6b80; font-family: "Lucida Sans Unicode", "Lucida Grande", sans-serif; font-feature-settings: "liga", "dlig"; margin: 0px 0px 1em; word-break: break-word;">In other words, the person is using 14% of their available credit and they have 86% available credit. The closer that ratio is to 100%, the better the credit score will be.</p><p style="box-sizing: border-box; color: #5c6b80; font-family: "Lucida Sans Unicode", "Lucida Grande", sans-serif; font-feature-settings: "liga", "dlig"; margin: 0px 0px 1em; word-break: break-word;"><strong style="box-sizing: border-box; text-align: center;"><br />MAIN TIP:</strong><span style="background-color: #f3f3f3; text-align: center;"> Keep all credit card balances as low as possible.</span>In this particular example, if they had a problem with their car, or needed medical attention or some other emergency, the person would have the money necessary to handle the situation without incurring new debt. This is wise on the consumer’s part and lenders like to see this kind of money management.</p><h2 style="box-sizing: border-box; color: #017dc3; font-family: "Lucida Sans Unicode", "Lucida Grande", sans-serif; line-height: 1.4em; margin: 1em 0px;"><span style="font-size: small;">Credit Cards Part 2: 1 or 2 is Better Than a Wallet Full</span></h2><p style="box-sizing: border-box; color: #5c6b80; font-family: "Lucida Sans Unicode", "Lucida Grande", sans-serif; font-feature-settings: "liga", "dlig"; margin: 0px 0px 1em; word-break: break-word;">The previous example showed a person that utilized just three credit cards. This is much better than someone who has 5+ credit cards, all with available balances. Why? Lenders do not like to see someone that has the <em style="box-sizing: border-box;">potential </em>to get too far in debt in a short amount of time.</p><p style="box-sizing: border-box; color: #5c6b80; font-family: "Lucida Sans Unicode", "Lucida Grande", sans-serif; font-feature-settings: "liga", "dlig"; margin: 0px 0px 1em; word-break: break-word;">Some people have 5, 10 or more credit cards and they use many of them. This shows a lack of restraint and control. It is much better, and neater, to have only 2 or 3 cards with low rates that handle all of your transactions. A lower number of cards are easier to manage and it does not give a person the temptation to go on a huge shopping spree that could take years to payoff.</p><p style="background: rgb(243, 243, 243); box-sizing: border-box; color: #5c6b80; font-family: "Lucida Sans Unicode", "Lucida Grande", sans-serif; font-feature-settings: "liga", "dlig"; margin: 0px 0px 1em; padding: 5px; text-align: center; word-break: break-word;"><strong style="box-sizing: border-box;">MAIN TIP:</strong> Try to limit yourself to no more than <span class="gmail_default" face="verdana, sans-serif">2-3</span> credit cards.</p><p style="background: rgb(243, 243, 243); box-sizing: border-box; color: #5c6b80; font-family: "Lucida Sans Unicode", "Lucida Grande", sans-serif; font-feature-settings: "liga", "dlig"; margin: 0px 0px 1em; padding: 5px; text-align: center; word-break: break-word;"><br /></p><h2 style="box-sizing: border-box; color: #017dc3; font-family: "Lucida Sans Unicode", "Lucida Grande", sans-serif; line-height: 1.4em; margin: 1em 0px;"><span style="font-size: small;">Keep the Good Stuff Right Where it is</span></h2><p style="box-sizing: border-box; color: #5c6b80; font-family: "Lucida Sans Unicode", "Lucida Grande", sans-serif; font-feature-settings: "liga", "dlig"; margin: 0px 0px 1em; word-break: break-word;">Too many people make the mistake of paying off old debts, such as old credit cards, and then closing the account. This is actually a bad idea.</p><p style="box-sizing: border-box; color: #5c6b80; font-family: "Lucida Sans Unicode", "Lucida Grande", sans-serif; font-feature-settings: "liga", "dlig"; margin: 0px 0px 1em; word-break: break-word;">A small part of the credit score is based on the length of time a person has had credit. If you have a couple of credit cards with a long track history of making payments on time and keeping the balance at a manageable level, it is a bad idea to close out the card.</p><p style="box-sizing: border-box; color: #5c6b80; font-family: "Lucida Sans Unicode", "Lucida Grande", sans-serif; font-feature-settings: "liga", "dlig"; margin: 0px 0px 1em; word-break: break-word;">Similarly, if you have been paying on a car or motorcycle for a long time, do not be in a hurry to pay off the balance. Continue to make the payments like clockwork each month.</p><p style="box-sizing: border-box; color: #5c6b80; font-family: "Lucida Sans Unicode", "Lucida Grande", sans-serif; font-feature-settings: "liga", "dlig"; margin: 0px 0px 1em; word-break: break-word;">An account that has a good record will help your scores. An account that has a good record and multiple years of use will have an even better impact on your score.</p><p style="background: rgb(243, 243, 243); box-sizing: border-box; color: #5c6b80; font-family: "Lucida Sans Unicode", "Lucida Grande", sans-serif; font-feature-settings: "liga", "dlig"; margin: 0px 0px 1em; padding: 5px; text-align: center; word-break: break-word;"><strong style="box-sizing: border-box;">MAIN TIP:</strong> Keep old accounts open if you have a good payment history with them.</p><h2 style="box-sizing: border-box; color: #017dc3; font-family: "Lucida Sans Unicode", "Lucida Grande", sans-serif; line-height: 1.4em; margin: 1em 0px;"><span style="font-size: small;">Stop Filling Out Credit Applications</span></h2><p style="box-sizing: border-box; color: #5c6b80; font-family: "Lucida Sans Unicode", "Lucida Grande", sans-serif; font-feature-settings: "liga", "dlig"; margin: 0px 0px 1em; word-break: break-word;"><br />Multiple credit inquiries in a short amount of time can really hurt your credit scores. Lenders view the various inquiries as someone that is desperate and possibly on the verge of making a bad financial choice.Too many people make the mistake of getting more credit after they are <a data-saferedirecturl="https://www.google.com/url?q=https://www.madisonmortgageguys.com/pre-approval-vs-pre-qualification/&source=gmail&ust=1709653781862000&usg=AOvVaw2QIHAHEllzcTjqofrSepNj" href="https://www.madisonmortgageguys.com/pre-approval-vs-pre-qualification/" style="background: transparent; box-sizing: border-box; color: #0e459d;" target="_blank">approved for a loan</a>. For example, if someone is approved for a new credit card, they feel good about their finances and decide to apply for credit with a local furniture store. If they get approved for the new furniture, they may decide to upgrade their car. This requires yet another loan. They are surprised to learn that their credit score has dropped and the interest rate on the new car loan will be much higher. What happened?</p><p style="box-sizing: border-box; color: #5c6b80; font-family: "Lucida Sans Unicode", "Lucida Grande", sans-serif; font-feature-settings: "liga", "dlig"; margin: 0px 0px 1em; word-break: break-word;">If you currently have 2 or 3 credit cards along with either a car loan or a student loan, don’t apply for any more debt. Make sure the payments on your current debt are all up to date and focus on paying them all down.</p><p style="box-sizing: border-box; color: #5c6b80; font-family: "Lucida Sans Unicode", "Lucida Grande", sans-serif; font-feature-settings: "liga", "dlig"; margin: 0px 0px 1em; word-break: break-word;">In a few months of making timely payments your scores should noticeably go up.</p><p style="background: rgb(243, 243, 243); box-sizing: border-box; color: #5c6b80; font-family: "Lucida Sans Unicode", "Lucida Grande", sans-serif; font-feature-settings: "liga", "dlig"; margin: 0px 0px 1em; padding: 5px; text-align: center; word-break: break-word;"><strong style="box-sizing: border-box;">MAIN TIP:</strong> Limit your new loans as much as possible</p></div></div></div></div></div></blockquote></div></div><div class="separator" style="clear: both; color: #222222; text-align: center;"><br /></div><div class="separator" style="clear: both; color: #222222; text-align: left;"><br /></div><div class="separator" style="clear: both; color: #222222; text-align: center;"><br /></div><div class="separator" style="clear: both; color: #222222; text-align: left;"><br /><div class="gmail_signature" data-smartmail="gmail_signature" dir="ltr"><div dir="ltr"><div dir="ltr"><div dir="ltr"><div dir="ltr"><div dir="ltr"><div dir="ltr"><h1><strong style="font-size: small;">Joel Lobb </strong><strong style="font-size: small;">Mortgage Loan Officer</strong></h1><strong>American Mortgage Solutions, Inc.</strong><br /><strong>10602 Timberwood Circle</strong><br /><strong>Louisville, KY 40223</strong><br /><strong>Company NMLS ID #1364</strong><br /><br /><span style="color: red;"><strong>Text/call: 502-905-3708</strong><br /><strong>fax: 502-327-9119<br />email:</strong></span><strong><span style="color: red;"> </span><a href="mailto:kentuckyloan@gmail.com" style="color: #1155cc;" target="_blank"><span style="color: red;">kentuckyloan@gmail.com</span></a></strong><br /><p><strong><a href="https://u6837958.ct.sendgrid.net/ls/click?upn=yDl4ONl2FnWoxI2oUNFFdRLTTAUR6y90NKFY4MVDgLrvgV5JMFyv678UBGQn5ITz-2F9bBlLpKi1T8g4odG86bqA-3D-3D4dbF_1UNj7hvg7uUE8G5zDMsBgP0qkAFLLWYc62YOGAQ6BSEELGOxNkZE13wbiOroZAYR0-2FUM4CYCCXkRTkFayVZSfjJ5dPRpECoVgXmtswvjQYMs3nyfHkCAWNreolgwA9vpSrTKFvOpkb1Zo4WNFjjBzgblYoXbwHuJHSL0qfi7a3IcVIRp9IA17ZuZtCdnOLKVctzNhv5qM8dw0siqXVRKhUcHKbT2aSp-2FdibS3FZokq3haw5OCmFZPSo5GwU0QJd9QfE-2FjbZ6cC9waLaLOqLjLHNvvS6K5VgF5qw5UD9HtcmUMZGrnEfRViPpToLA7aNgoH4obFiHJV-2FNKDKYvnN3ExcA2OXosEMlF69ic5bGmNCW6EM2XWsTL-2FNHuYV8vPC9cDr9Ju4mZV8Dk4QjPeXmHxmFa0Bzfn8tkSylyZY-2FUoQ8IuS-2B51ApxVtwC0M6wEyzPLRySS9CkBsJ2or6yCT3uppB8UHa8Pz-2Brv8QlzKhM8g-3D" style="color: #1155cc;" target="_blank"><span style="color: red;">http://www.mylouisvillekentuckymortgage.com/</span></a></strong></p><p><br /></p><p><br /></p><p></p><div class="separator" style="clear: both; text-align: center;"><a href="https://www.mylouisvillekentuckymortgage.com/2010/10/get-approved-for-mortgage-or-home-loan.html" style="margin-left: 1em; margin-right: 1em;"><img alt="How Credit Scores Affect your Kentucky Mortgage Loan Approval Chances" border="0" data-original-height="191" data-original-width="264" height="270" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh-PZiIutVdp-y-tUGjWDp7BTHuhU-PXvVXE19ZSqoTTpT2K4f8Mjl4Vqlznav_SVM5vP0cjStbWI07f48BXrfG48BmgRyjrePrHK64hpNxQRWRJF3OtjQ18dSzDTya1GUZatX_6M-BcT3JhV9aRBtY1KftgkBmXMZYlt9RyoERAimt_gD_iH-A3-hO5n8d/w373-h270/Apply-Now-Button.jpeg" title="How Credit Scores Affect your Kentucky Mortgage Loan Approval Chances" width="373" /></a></div><br /><p><br /></p><p><img src="https://ci4.googleusercontent.com/proxy/1KQ2czV_rxsQjXM7GsBdSS4qXcqPUO3bF-bl5c6-reJxAc1BXnPR55dwGNWYqzW0ncQcFdYQE1xgtSjehLutydaiG9JvwzNqDksdEOAgCz0ldMwz8gX0WQMbxK7UxVgLfGKqYX6e75T87REifWhOodHAFwRVg4NRrgsM3q94=s0-d-e1-ft#https://encrypted-tbn0.gstatic.com/images?q=tbn:ANd9GcSrlFJJlcULRY0tNMWjPvz0p9kAuFLYXr0YbPIXYluJW1qZRI3f" /></p><p></p><div dir="ltr"><br /></div><div dir="ltr"><span color="rgba(0,0,0,0.9)" face="-apple-system,system-ui,BlinkMacSystemFont,"Segoe UI",Roboto,"Helvetica Neue","Fira Sans",Ubuntu,Oxygen,"Oxygen Sans",Cantarell,"Droid Sans","Apple Color Emoji","Segoe UI Emoji","Segoe UI Emoji","Segoe UI Symbol","Lucida Grande",Helvetica,Arial,sans-serif" style="font-size: 14px;">NMLS 57916 | Company NMLS #1364/MB73346135166/MBR1574</span><br style="color: rgba(0, 0, 0, 0.9); font-family: -apple-system, system-ui, BlinkMacSystemFont, "Segoe UI", Roboto, "Helvetica Neue", "Fira Sans", Ubuntu, Oxygen, "Oxygen Sans", Cantarell, "Droid Sans", "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Lucida Grande", Helvetica, Arial, sans-serif; font-size: 14px; line-height: inherit;" /><br /></div><div dir="ltr"><br /></div>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<a href="https://u6837958.ct.sendgrid.net/ls/click?upn=QeGBzuH2Omh4G8v1pXHrQS1g6H2Ok594vLcQnW1lyknbckT67tKaQxT6SPyLpSBloqscNlovnnm3AOysbnWTaj-2BEa-2Bi44k0mS6qPov-2FyXrtlMMntK0Trk1bXKiEA8kCu-2FnQDsNqk1wqPGQQZERhBwZ-2BBdcOoZEDZJGo0DHn7sYU-3DF83G_1UNj7hvg7uUE8G5zDMsBgP0qkAFLLWYc62YOGAQ6BSEELGOxNkZE13wbiOroZAYR0-2FUM4CYCCXkRTkFayVZSfjJ5dPRpECoVgXmtswvjQYMs3nyfHkCAWNreolgwA9vpSrTKFvOpkb1Zo4WNFjjBzgblYoXbwHuJHSL0qfi7a3IcVIRp9IA17ZuZtCdnOLKVctzNhv5qM8dw0siqXVRKhUcHKbT2aSp-2FdibS3FZokq3haw5OCmFZPSo5GwU0QJd9QfE-2FjbZ6cC9waLaLOqLjLHNvvS6K5VgF5qw5UD9HtcmUMZGrnEfRViPpToLA7aNgoH4obFiHJV-2FNKDKYvnN3E8mXPtRwdvTqpF-2FzdZQKf0Zrcct3qxCd3tMbXsUnenctfeDPBzyHasznmrVwNnv0IL-2FsfFTKOnGT1LY7DJqhBoDyJD8k-2FhwTuhMq7hBh-2BXB4Y4LicUOAkIjfxiXGkdP9EYCaeui4Cb3JBlBC0TUTYls-3D" style="color: #1155cc;" target="_blank">, </a>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.<br />NMLS ID# 57916, (<a href="http://www.nmlsconsumeraccess.org/" style="color: #1155cc;" target="_blank">www.nmlsconsumeraccess.org</a>).<br /></div><div dir="ltr"><br /></div><div dir="ltr"><img data-aii="CiExekY1T2VQTmlXLURfUU9nR25Rc1NrenZiUlVpUnhxeGk" data-os="https://lh3.googleusercontent.com/d/1zF5OePNiW-D_QOgGnQsSkzvbRUiRxqxi" height="284" src="https://ci3.googleusercontent.com/mail-sig/AIorK4z8hNT6XBDra8zmZTmg_8WRWFCg2ZtN2QkgcGW4zAtzbVBzOSDLqq7VLemUIWhwBOYDJLJsByw" width="420" /></div></div></div></div></div></div></div></div><div class="separator" style="clear: both; color: #222222; text-align: center;"><br /></div><div class="separator" style="clear: both; color: #222222; text-align: center;"> </div><br /><br /></span></div></div></div>Joel Lobb, Mortgage Broker FHA, VA, KHC, USDAhttp://www.blogger.com/profile/14742291613632757087noreply@blogger.comtag:blogger.com,1999:blog-2083715272801756161.post-34323942404370403632024-03-04T11:25:00.001-05:002024-03-05T10:55:37.755-05:004 Things Every Borrower Needs to Know to Get Approved for a Mortgage Loan In Kentucky<!--Global site tag (gtag.js) - Google Analytics-->
<script async="" src="https://www.googletagmanager.com/gtag/js?id=UA-18020292-4">
</script>
<script>
window.dataLayer = window.dataLayer || [];
function gtag(){dataLayer.push(arguments);}
gtag('js', new Date());
gtag('config', 'UA-18020292-4');
</script>
<div class="separator" style="clear: both; text-align: left;">Over 900 Kentucky Families have used me for their mortgage loan in Kentucky for the last 20 years.</div><div class="separator" style="clear: both; text-align: left;"><br /></div><div class="separator" style="clear: both; text-align: left;">I hope you find this website informative and gives you confidence in making the right selection for your next home loan. I offer Kentucky FHA, VA, USDA, Fannie Mae and KHC Down payment Assistance Home loans in every part of the state. </div><div class="separator" style="clear: both; text-align: left;"><br /></div><div class="separator" style="clear: both; text-align: left;"><br /></div>
<div class="separator" style="clear: both; text-align: center;">
</div>
<div class="separator" style="clear: both; text-align: center;"><br /></div><br /><div class="separator" style="clear: both; text-align: center;"><a href="https://www.google.com/maps/place/Joel+Lobb,+Mortgage+Broker+FHA,+VA,+KHC,+USDA/@38.2347121,-85.5770432,17z/data=!3m1!4b1!4m5!3m4!1s0x88699fedadd9407f:0xbdaebf3c776087b0!8m2!3d38.2347121!4d-85.5748545?hl=en-US" style="margin-left: 1em; margin-right: 1em;" target="_blank"><img alt="Best Kentucky Mortgage Lenders" border="0" data-original-height="178" data-original-width="350" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi2pdbmMGqtHLyJ9J1-t8jmi5SABjjI3Tm7owJ8dqZuD8FaJPphYKoBTOqmsA91-YncpbCmE8YJm9IL1G1zIPkCq0b1KW3ANutXGUKF_opA5_jsf2uB4hevlMMkx5u3yJH5pbFLhYUkoyuK/s16000/rayce-robinson-google-reviews.jpg" title="FHA, VA, USDA, Kentucky Housing Highly Rates Mortgage Lender in KY" /></a></div><br /><div class="separator" style="clear: both; text-align: center;"><br /></div><div><br /><span style="font-family: inherit;"><br style="background-color: white; color: #222222; font-family: verdana, sans-serif;" /></span><h4 style="text-align: left;"><span style="font-family: inherit;"><span face="verdana, sans-serif" style="background-color: white; color: #222222;">There are 4 basic things that a borrower needs to show a lender in order to get approved for a mortgage in Kentucky for 2024.</span></span></h4></div><div><span style="font-family: inherit;"><br style="background-color: white; color: #222222; font-family: verdana, sans-serif;" /></span></div><div><h4 style="text-align: left;"><br /></h4><h3 style="text-align: left;"><span style="font-family: inherit;"><b>1. Income</b></span></h3>
<span style="font-family: inherit;"><br /> You need income. You need to be able to afford the home. But what is acceptable income? Let’s just say that there are two ratios mortgage underwriters look at to qualify you for mortgage payment:<br /><br /> First Ratio – The first ratio, top ratio or housing ratio. Basically, that means out of all the gross monthly income you make, that no more that X percent of it can go to your housing payment. The housing payment consists of Principle, Interest, Taxes and Insurance. </span><br />
<span style="font-family: inherit;"><br /></span>
<span style="font-family: inherit;">Whether you escrow or not every one of these items are factored into your ratio. There are a lot of exceptions to how high you can go, but let’s just say that if your ratio is 33% or less, generally, across the board, you’re safe. <br /><br /> Second Ratio- The second ratio, bottom ratio or debt ratio includes the housing payment, but also adds all of the monthly debts that the borrower has. So, it includes housing payment as well as every other debt that a borrower may have. </span><br />
<span style="font-family: inherit;"><br /></span>
<span style="font-family: inherit;">This would include, Auto loans, credit cards, student loans, personal loans, child support, alimony…. basically any consistent outgoing debt that you’re paying on. Again, if you’re paying less than 45% of your gross monthly income to all of the debts, plus your proposed housing payment, then……generally, you’re safe. You can go a lot higher in this area, but there are a lot of caveats when increasing your back ratio. </span><br />
<h4 style="text-align: left;"><span style="font-family: inherit;"><br /></span><span style="font-family: inherit;"><b> What qualifies as income? </b></span></h4>
<span style="font-family: inherit;"><b><br /></b></span>
<br />
<span style="font-family: inherit;"><br /></span>
<span style="font-family: inherit;">Basically, it’s income that has at least a proven, two-year history of being received and pretty high assurances that the income is likely to continue for at least three years. What’s not acceptable? Unverifiable cash income, short term income and income that’s not likely to continue like unemployment income, student loan aid, VA education benefits, or short-term disability are not allowed for a mortgage loan.</span></div><div><br /></div><div><h3 style="text-align: left;"><span style="font-family: inherit;"><b>2. Assets</b></span></h3>
<span style="font-family: inherit;"><br /> What the mortgage underwriter is looking for here is how much can you put down and secondly, how much will you have in reserves after the loan is made to help offset any financial emergencies in the future.<br /><br /> Do you have enough assets to put the money forth to qualify for the down payment that the particular program asks for? </span></div><div><span style="font-family: inherit;"><br /></span></div><div><span style="font-family: inherit;">The only 100% financing or no money down loans still available in Kentucky for home buyers are available through USDA, VA, and KHC or Kentucky Housing Loans. Most other home buyers that don't qualify for the no money down home loans mentioned above, will turn to the FHA program. </span><br />
<span style="font-family: inherit;"><br /></span>
<span style="font-family: inherit;">FHA loans currently requires a 3.5% down payment and Fannie Mae, or Conventional loans require a 3% to 5% down payment. The more you put down, the better your rate and terms usually and your chances of qualifying.<br /><br /> Kentucky Home buyers that have access to putting down at least 5% or more, will usually turn to Fannie Mae or Freddie Mac mortgage programs so they can get better pricing when it comes to mortgage insurance.<br /><br /> These assets need to be validated through bank accounts, 401k or retirements account and sometimes gifts from relatives or employer. Can you borrow the down payment? Sometimes.</span><br />
<span style="font-family: inherit;"><br /></span>
<span style="font-family: inherit;"> Generally, if you’re borrowing a secured loan against a secured asset you can use that. But rarely can cash be used as an asset. </span><br />
<span style="font-family: inherit;"><br /></span>
<span style="font-family: inherit;">FHA will allow for gifts from relatives for down payments with little as 3.5% down but Fannie Mae will require a 20% down payment when a gift is being used for the down payment on the home.<br /><br /> The down payment scenarios listed above are for Kentucky Primary Residences only. There are stricter down payment requirements for investment homes made in Kentucky.<br /><b><br /></b></span><h3 style="text-align: left;"><span style="font-family: inherit;"><b> 3. Credit</b></span></h3><span style="font-family: inherit;"><br />580 to 620 is the bottom score (again with few exceptions) that lenders will permit. Below a 620, then you have to look at doing a FHA loan or VA loan if you are a veteran. Even at 620, people consider you a higher risk that other folks and are going to penalize you or your borrower with a more expensive loan. 720 is when you really start to get in the “as a lender we love you” credit score. 760 is even better.</span><br />
<span style="font-family: inherit;"><br /></span>
<span style="font-family: inherit;"> Watch your credit scores carefully. You have three credit scores, and the lender will take your middle score. For example, let's say you have a 590 on Transunion, 679 on Experian, and a 618 on Equifax. Then your middle qualifying credit score will be 618 credits score.<br /><br /> If you absolutely cannot get your credit scores up to 620, then FHA will be a good option for you. FHA states that if your fico credit score is 580 or above, they will allow for a 3.5% down payment, and if below 580, you will need 10% down payment.<br /><br /> There are a lot of mortgage lenders that will not go below 580 to 620 range, so keep that in mind when you are shopping for a mortgage lender, because they create credit overlays.<br /><br /> Kentucky FHA Mortgage Loans currently requires 3 years removal from a foreclosure or short sale and 2 years on a bankruptcy with good reestablished credit.<br /><br /> Kentucky Fannie Mae Mortgage Loans currently requires 4 years removal from a bankruptcy, and 7 years on a foreclosure.<br /><br /> Kentucky VA Mortgage Loans currently requires 2 years removal from a bankruptcy or foreclosure with good, reestablished credit.<br /><br /> Kentucky USDA loans require 3 years removal from bankruptcy and foreclosure with good reestablished credit.</span></div><div><span style="font-family: inherit;"><br /></span></div><div><span style="font-family: inherit;"><br /></span></div><div><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/a/AVvXsEjnqOtqcdh7H9Ru6PhufIQiNfU5AI8EATYqlzIGXVYFWGwWGGNNlUkfOaTnXTF5c5--yE4hgkef-7jIUYamAT7epmzIHvUOdMlFoMHZjTapU9BXh1iT8384it7tYrfip8TEVdtNt-rhEgJHWxdzfU7rl5rmTvH_kMpn1N2KZycxMTh2aiP49mr3QxSoXA=s552" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="273" data-original-width="552" src="https://blogger.googleusercontent.com/img/a/AVvXsEjnqOtqcdh7H9Ru6PhufIQiNfU5AI8EATYqlzIGXVYFWGwWGGNNlUkfOaTnXTF5c5--yE4hgkef-7jIUYamAT7epmzIHvUOdMlFoMHZjTapU9BXh1iT8384it7tYrfip8TEVdtNt-rhEgJHWxdzfU7rl5rmTvH_kMpn1N2KZycxMTh2aiP49mr3QxSoXA=s16000" /></a></div><br /><div class="separator" style="clear: both; text-align: center;"><br /></div><br /><span style="font-family: inherit;"><br /></span></div><div><br /></div><div><br />
<span style="font-family: inherit;"><br /></span><div><h3 style="text-align: left;">Which credit score is used to qualify for a Mortgage loan in Kentucky?</h3></div><div class="separator" style="clear: both; text-align: center;"><br /></div><div>
<div class="separator" style="clear: both; text-align: left;"></div>
<div class="separator" style="clear: both; text-align: left;"><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/a/AVvXsEjheSrKVdigULgkPT04dyNIAbHHNRASPwsJFLmQ3U3MaD9fPfahsm0HAAz1RjZcXs4ivE5uDZpCNSnTJslwHlTxjqyrjUrCBy_tUeSvrOmuLLltXYzKz09Ak_50oLtAGdO_y89-aVaeval9nx43OcXhKwb089Ufnpsvw9US7iLt5huD85NDHGAXjwThwQ=s500" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="499" data-original-width="500" src="https://blogger.googleusercontent.com/img/a/AVvXsEjheSrKVdigULgkPT04dyNIAbHHNRASPwsJFLmQ3U3MaD9fPfahsm0HAAz1RjZcXs4ivE5uDZpCNSnTJslwHlTxjqyrjUrCBy_tUeSvrOmuLLltXYzKz09Ak_50oLtAGdO_y89-aVaeval9nx43OcXhKwb089Ufnpsvw9US7iLt5huD85NDHGAXjwThwQ=s16000" /></a></div><br /><div class="separator" style="clear: both; text-align: center;"><br /></div></div><h3 style="text-align: left;"><span style="font-family: inherit;"><b>4. Appraisal</b></span></h3><span style="font-family: inherit;"><br /> Generally, there’s nothing you can do to affect this. Bottom line here is…..”is the value of the house at least the value of what you’re paying for it?” If not, then not good things start to happen. Generally you’ll find less issues with values on purchase transactions, because, in theory, the realtor has done an accurate job of valuing the house prior to taking the listing. The big issue comes in refinancing. In purchase transactions, the value is determined as the<br /><br /><br /> Lower of the value or the contract price!!!<br /><br /><br /> That means that if you buy a $1,000,000 home for $100,000, the value is established at $100,000. Conversely, if you buy a $200,000 home and the value comes in at $180,000 during the appraisal, then the value is established at $180,000. Big issues….Talk to your loan officer.<br /><br /><br /> <br /> For each one of these boxes, there are over 1,000 things that can effect if a borrower has reached the threshold to complete that box. Soo…..talk to a great loan officer. There are so many loan officers that don’t know what they’re doing. But, conversely, there’s a lot of great ones as well. Your loan is so important! Get a great lender so that you know, for sure, that the loan you want, can be closed on!</span><br />
<h4>
</h4>
<div>
<div class="separator" style="clear: both; text-align: center;"><br /></div>
<span style="font-family: inherit;"><br /></span></div>
<h2 style="text-align: left;"><span style="font-family: inherit;">Popular Kentucky Home Loan Programs below:</span></h2>
<div>
<span style="font-family: inherit; font-weight: normal;"><br /></span></div>
<h3 style="text-align: left;"><span style="font-family: inherit;">Conventional Loan</span></h3>
<span style="font-family: inherit;">• At least 3%-5% down<br /><br />• Closing costs will vary on which rate you choose and the lender. Typically the higher the rate, the lesser closing costs due to the lender giving you a lender credit back at closing for over par pricing. Also, called a no-closing costs option. You have to weigh the pros and cons to see if it makes sense to forgo the lower rate and lower monthly payment for the higher rate and less closing costs.<br /><br />Fico scores needed start at 620, but most conventional lenders will want a higher score to qualify for the 3-5% minimum down payment requirements Most buyers using this loan have high credit scores (over 720) and at least 5% down.<br /><br />The rates are a little higher compared to FHA, VA, or USDA loan but the mortgage insurance is not for life of loan and can be rolled off when you reach 80% equity position in home.<br /><br /><div>Conventional loans require 4-7 years removed from Bankruptcy and foreclosure.</div></span></div><br />2024 Baseline Kentucky Mortgage Conforming Loan Limit Rises to $766,550<br /><div><br /></div><div>1<span style="white-space: pre;"> </span>$766,550<span style="white-space: pre;"> </span></div><div>2<span style="white-space: pre;"> </span>$981,500<span style="white-space: pre;"> </span></div><div>3<span style="white-space: pre;"> </span>$1,186,350<span style="white-space: pre;"> </span></div><div>4<span style="white-space: pre;"> </span>$1,474,400<span style="white-space: pre;"> </span></div><br />The <a href="https://www.fhfa.gov/">FHFA</a> determines the conforming loan limit each year, basing it on the average U.S. home value over the past four quarters.<br /><br />They utilize their own Federal Housing Finance Agency House Price Index (FHFA HPI®) to determine how much home prices have risen in the preceding 12 months.<div>
<h4>
</h4>
<h3 style="text-align: left;"><span style="font-family: inherit;">Kentucky USDA Rural Housing Program</span></h3>
<br />
<span> <br /><span style="font-family: inherit;">If you meet income eligibility requirements and are looking to settle in a rural area, you might qualify for the </span><a href="http://kentuckyruralhousingusdaloan.blogspot.com/" style="font-family: inherit;">KY USDA Rural Housing program</a><span style="font-family: inherit;">. The program guarantees qualifying loans, reducing lenders’ risk and encouraging them to offer buyers 100% loans. That means Kentucky home buyers don’t have to put any money down, and even the “upfront fee” (a closing cost for this type of loan) can be rolled into the financing.</span><br /><br /><a href="https://www.ficoscore.com/education/#VersionMatters" style="font-family: inherit;">Fico scores ****.</a><span style="font-family: inherit;">usually wanted for this program center around 620 range, with most lenders wanting a 640 score so they can obtain an automated approval through GUS. GUS stands for the Guaranteed Underwriting system, and it will dictate your max loan pre-approval based on your income, credit scores, debt to income ratio and assets.</span><br /><br /><span style="font-family: inherit;">They also allow for a manual underwrite, which states that the max house payment ratios are set at 29% and 41% respectively of your income.</span><br /><br /><span style="font-family: inherit;">They loan requires no down payment, and the current mortgage insurance is 1% upfront, called a funding fee, and .35% annually for the monthly mi payment. Since they recently reduced their mi requirements, USDA is one of the best options out there for home buyers looking to buy in an rural area.</span><br /><br /><span style="font-family: inherit;">A rural area typically will be any area outside the major cities of Louisville, Lexington, Paducah, Bowling Green, Richmond, Frankfort, and parts of Northern Kentucky .</span><br /><br /><span style="font-family: inherit;">There is a map link below to see the qualifying areas.</span></span></div><div><span><br /><div>Income Limits for: Most Locations</div><div><br /></div><div>Household of 1-4</div><div>$109,500</div><div>- OR -<span style="white-space: pre;"> </span></div><div>Household of 5-8*</div><div>$146,600</div><div><br /></div><div>For non-specific areas, the income limits are $109,850 for a 1-4 member household and $145,000 for a 5-8 member household.</div><div><br /></div><div>*If a household exceeds 8 members, each additional member receives 8% of the 4-person income limit for their area towards the total.</div><div><br /></div></span></div><div><span style="font-family: inherit;"> Some Northern Kentucky Counties can allow for higher incomes. </span></div><div><span style="font-family: inherit;"><br /></span></div><div><span><div>Eligibility Requirements – Kentucky---Boone, Kenton, Campbell, Gallatin, </div><div>For a family of 1-4 in Kentucky, the average household income limit for a USDA loan is about $109,850; for a family of 5 or more, the limit can be as high as $145,000.</div><div><span><br /></span></div><div><span><div style="background-color: white; box-sizing: inherit; color: #1a1a1a; font-family: Merriweather, Georgia, serif; font-size: 16px;">The Northern Kentucky Counties (***) of Boon, Kenton, Campbell, Bracken, Gallatin, and Pendleton are $109,850 for a household of four or less and up to $145,000 for a family of five or more.</div><div class="txtNew" id="comp-jhc6simu" style="background-color: white; box-sizing: inherit; color: #1a1a1a; font-family: Merriweather, Georgia, serif; font-size: 16px;"></div><div style="background-color: white; box-sizing: inherit; color: #1a1a1a; font-family: Merriweather, Georgia, serif; font-size: 16px;">USDA Eligible Areas in Northern Kentucky<br style="box-sizing: inherit;" />Burlington<br style="box-sizing: inherit;" />Hebron<br style="box-sizing: inherit;" />Independence<br style="box-sizing: inherit;" />Walton<br style="box-sizing: inherit;" />Alexandria<br style="box-sizing: inherit;" />Highland Heights<br style="box-sizing: inherit;" />Cold Springs<br style="box-sizing: inherit;" />Grant County<br style="box-sizing: inherit;" />Owen County<br style="box-sizing: inherit;" />Pendleton County<br style="box-sizing: inherit;" /></div><div style="background-color: white; box-sizing: inherit; color: #1a1a1a; font-family: Merriweather, Georgia, serif; font-size: 16px;">USDA Income Limits<br style="box-sizing: inherit;" />Boone, Kenton & Campbell Counties (N. KY)<br style="box-sizing: inherit;" /><br style="box-sizing: inherit;" />$109,850 (family size 1-4)<br style="box-sizing: inherit;" />$145,000 (family size 5 or more)<br style="box-sizing: inherit;" /></div><div style="background-color: white; box-sizing: inherit; color: #1a1a1a; font-family: Merriweather, Georgia, serif; font-size: 16px;">Grant, Owen & Pendleton Counties (N. KY)<br style="box-sizing: inherit;" /><br style="box-sizing: inherit;" />$103,500 (family size 1-4)<br style="box-sizing: inherit;" />$136,600 (family size 5 or more)<br style="box-sizing: inherit;" /></div></span></div><br /><span style="font-family: inherit;">USDA requires 3 years removed from bankruptcy and foreclosure.</span><br /><br /><span style="font-family: inherit;">There is no max USDA loan limit.</span></span><br />
<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiLJtzRZxdba3_hAztyYio4SnbSJ8YADJMGk9_x0eeU9puUo5vT2JuywpYOhKx9j3hRWgX_wOF6zzFOiT-uqVtuhKtmRZhZmm3lazcjjcdE_uR1n3d1CqWJcKMIzv4wHvrAaYPF7uHV2WsO/s1600/01414_aYAYNqOjqrD_600x450.jpg" style="margin-left: auto; margin-right: auto;"><img alt="KY USDA Rural Housing program." border="0" data-original-height="378" data-original-width="316" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiLJtzRZxdba3_hAztyYio4SnbSJ8YADJMGk9_x0eeU9puUo5vT2JuywpYOhKx9j3hRWgX_wOF6zzFOiT-uqVtuhKtmRZhZmm3lazcjjcdE_uR1n3d1CqWJcKMIzv4wHvrAaYPF7uHV2WsO/s16000/01414_aYAYNqOjqrD_600x450.jpg" title="USDA Rural Housing Loan Program Zero Down for Rural Home buyers in Kentucky" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">Add caption</td></tr>
</tbody></table>
<div class="separator" style="clear: both; text-align: center;">
</div>
<h4>
<span style="font-weight: normal;"><span style="font-family: inherit;"><br /></span></span></h4>
<h2 style="text-align: left;"><span style="font-family: inherit;">Kentucky FHA Loan</span></h2>
<span style="font-family: inherit;"><br />FHA loans are good for home buyers with lower credit scores and no much down, or with down payment assistance grants. FHA will allow for grants, gifts, for their 3.5% minimum investment and will go down to a 580 credit score.<br /><br />The current mortgage insurance requirements are kind of steep when compared to USDA, VA , but the rates are usually good so it can counteracts the high mi premiums.<br /><br /> As I tell borrowers, you will not have the loan for 30 years, so don’t worry too much about the mi premiums.<br /><br />The mi premiums are for life of loan like USDA.<br /><br />FHA requires 2 years removed from bankruptcy and 3 years removed from foreclosure.<br /><br /></span></div><div><span style="font-family: inherit;"><br /></span></div><div>
<span style="font-family: inherit;"><p style="background-color: white; box-sizing: border-box; font-family: "IBM Plex Serif", serif; font-size: 16px; line-height: 1.5; margin: 0px 0px 10px;">The new forward mortgage loan limits are effective for FHA case numbers assigned on or after January 1, 2024:</p><div style="background-color: white; box-sizing: border-box; font-family: "IBM Plex Serif", serif; font-size: 16px; overflow-x: auto;"></div></span>
<table border="1" cellpadding="1" cellspacing="1" class="table-responsive" style="background-color: white; border-collapse: collapse; border-spacing: 0px; color: black; font-family: "IBM Plex Serif", serif; font-size: 16px; min-height: 0.01%; overflow-x: auto;"><tbody style="box-sizing: border-box;"><tr style="box-sizing: border-box;"><td style="box-sizing: border-box; padding: 10px;"><strong style="box-sizing: border-box;">Property Size</strong></td><td style="box-sizing: border-box; padding: 10px;"><strong style="box-sizing: border-box;">Low-Cost Area “Floor”</strong></td><td style="box-sizing: border-box; padding: 10px;"><strong style="box-sizing: border-box;">High-Cost Area “Ceiling”</strong></td><td style="box-sizing: border-box; padding: 10px;"><strong style="box-sizing: border-box;">Alaska, Hawaii, Guam, and U.S. Virgin Islands “Ceiling”<span style="box-sizing: border-box; font-size: 12px; line-height: 0; position: relative; top: -0.5em; vertical-align: baseline;">1</span></strong></td></tr><tr style="box-sizing: border-box;"><td style="box-sizing: border-box; padding: 10px;">One-Unit</td><td class="rtecenter" style="box-sizing: border-box; padding: 10px; text-align: center;">$498,257</td><td class="rtecenter" style="box-sizing: border-box; padding: 10px; text-align: center;">$1,149,825</td><td class="rtecenter" style="box-sizing: border-box; padding: 10px; text-align: center;">$1,724,725</td></tr><tr style="box-sizing: border-box;"><td style="box-sizing: border-box; padding: 10px;">Two-Units</td><td class="rtecenter" style="box-sizing: border-box; padding: 10px; text-align: center;">$637,950</td><td class="rtecenter" style="box-sizing: border-box; padding: 10px; text-align: center;">$1,472,250</td><td class="rtecenter" style="box-sizing: border-box; padding: 10px; text-align: center;">$2,208,375</td></tr><tr style="box-sizing: border-box;"><td style="box-sizing: border-box; padding: 10px;">Three-Units</td><td class="rtecenter" style="box-sizing: border-box; padding: 10px; text-align: center;">$771,125</td><td class="rtecenter" style="box-sizing: border-box; padding: 10px; text-align: center;">$1,779,525</td><td class="rtecenter" style="box-sizing: border-box; padding: 10px; text-align: center;">$2,669,275</td></tr><tr style="box-sizing: border-box;"><td style="box-sizing: border-box; padding: 10px;">Four-Units</td><td class="rtecenter" style="box-sizing: border-box; padding: 10px; text-align: center;">$958,350</td><td class="rtecenter" style="box-sizing: border-box; padding: 10px; text-align: center;">$2,211,600</td><td class="rtecenter" style="box-sizing: border-box; padding: 10px; text-align: center;">$3,317,400</td></tr></tbody></table>
<div class="separator" style="clear: both; text-align: center;"><br /></div>
<span style="font-family: inherit;"><br /></span>
<br />
<h3 style="text-align: left;"><span style="font-family: inherit;">Kentucky VA Loan</span></h3>
<span style="font-family: inherit;">VA loans are for veterans and active duty military personnel. The loan requires no down payment and no monthly mi premiums, saving you on the monthly payment. It does have an funding fee like USDA, but it is higher starting at 2.3% for first time use, and 3.6% for second time use. The funding fee is financed into the loan, so it is not something you have to pay upfront out of pocket.<br /><br />VA loans can be made anywhere, unlike the USDA restrictions, and there is no income household limit.</span><br />
<span style="font-family: inherit;"><br />Most VA lenders I work with will want a 580 credit score even though on paper, VA says they don't have a minimum credit score.<br /><br />VA requires 2 years removed from bankruptcy or foreclosure.<br /><br /> VA Loan Limits for 2024 in Kentucky</span><br />
<span style="font-family: inherit;"><br />As announced previously by VA in Circular 26-19-30 (which provides interim guidance on implementing "The Blue Water Navy Vietnam Veterans Act of 2019") the conforming loan limit cap on guarantees was removed for Veterans with full entitlement. For Veterans who have previously used entitlement and the entitlement has not been restored, the maximum amount of guaranty entitlement available to the Veteran (for a loan above $144,000) is 25 percent of the conforming loan limit reduced by the amount of entitlement previously used (not restored) by the Veteran. </span></div><div><span style="font-family: inherit;"><br />As a reminder, Veterans are able to use their VA Home Loan Guaranty benefit regardless of loan amount, but in order to purchase homes with loan amounts above the conforming loan limits, Veterans with partial entitlement may be required to make a down payment on amounts in excess of the conforming loan limit. Regardless of full or partial entitlement, the VA guaranty plus any required down payment must total 25% of the loan amount.</span><br />
<span style="font-family: inherit;"><br /></span>
<div class="separator" style="clear: both; text-align: center;"><br /></div>
<span style="font-family: inherit;"><br /></span>
<span style="font-family: inherit;"><br /></span>
<br />
<h2 style="text-align: left;"><span style="font-family: inherit;">Kentucky Down Payment Assistance</span></h2><div><span style="font-family: inherit;"><br /></span></div><div><span style="font-family: inherit;"><p style="background-color: white; border-radius: 0px; box-sizing: border-box; color: #212529; font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, "Helvetica Neue", Arial, "Noto Sans", sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji"; font-size: 16px; line-height: 1.6; margin: 0px 0px 10px;">KHC recognizes that down payments, closing costs, and prepaids are stumbling blocks for many potential home buyers. We offer a special loan program to help with those. Your <a href="https://wapps.kyhousing.org/KHC_Webforms/countyinformation.aspx" style="background-color: transparent; border-radius: 0px; box-sizing: border-box; color: #153683; text-decoration-line: none;">KHC-approved lender</a> can help you apply.</p><h3 style="background-color: white; border-radius: 0px; box-sizing: border-box; color: #262626; font-family: "Segoe UI Semilight", "Segoe UI", Segoe, Tahoma, Helvetica, Arial, sans-serif; font-size: 1.75rem; font-weight: 500; line-height: 1.4; margin: 0px auto 0.5rem;">Regular DAP<br style="border-radius: 0px; box-sizing: border-box;" /></h3><ul style="background-color: white; border-radius: 0px; box-sizing: border-box; color: #212529; font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, "Helvetica Neue", Arial, "Noto Sans", sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji"; font-size: 16px; margin-bottom: 1rem; margin-top: 0px;"><li style="border-radius: 0px; box-sizing: border-box;">Purchase price up to $481,176 with <a href="https://www.kyhousing.org/Homeownership/Future-Homebuyers/Documents/SMP%20Income%20Limitations.pdf" style="background-color: transparent; border-radius: 0px; box-sizing: border-box; color: #153683; text-decoration-line: none;" target="_blank">Secondary Market</a> or <a href="https://www.kyhousing.org/Homeownership/Future-Homebuyers/Documents/MRB%20-%20MCC%20Household%20Income%20Limits.pdf" style="background-color: transparent; border-radius: 0px; box-sizing: border-box; color: #153683; text-decoration-line: none;" target="_blank">Mortgage Revenue Bond (MRB)</a> income limits.</li><li style="border-radius: 0px; box-sizing: border-box;">Assistance in the form of a loan up to $10,000 in $100 increments.</li><li style="border-radius: 0px; box-sizing: border-box;">Repayable over a 10-year term at 3.75 percent.</li><li style="border-radius: 0px; box-sizing: border-box;">Available to all KHC first-mortgage loan recipients.</li></ul><div class="separator" style="clear: both; text-align: center;"><br /></div><br /><h4 style="background-color: white; border-radius: 0px; box-sizing: border-box; color: #777777; font-family: "Segoe UI", Segoe, Tahoma, Helvetica, Arial, sans-serif; font-size: 1.5rem; font-weight: 500; line-height: 1.6; margin: 0px auto 0.5rem;"><br /></h4></span></div><div><div class="separator" style="clear: both; text-align: center;"><br /></div></div><div><div class="separator" style="clear: both; text-align: center;"><br /></div></div>
<h2 style="text-align: left;"><span style="font-family: inherit;"><b>Kentucky First Time Home Buyer Common Questions and Answers below:👇</b></span></h2>
<br />
<span style="font-family: inherit;"><br /><b><br /></b></span><br />
<h3 style="text-align: left;"><span style="font-family: inherit;"><b>∘ What kind of credit score do I need to qualify for different first time home buyer loans in Kentucky?</b></span></h3>
<span style="font-family: inherit;"><br /><br />Answer. Most lenders will wants a middle credit score of 620 to 640 for KY First Time Home Buyers looking to go no money down. The two most used no money down home loans in Kentucky being USDA Rural Housing and KHC with their down payment assistance will want a 620 to 640 middle score on their programs.<br /><br /><br />If you have access to 3.5% down payment, you can go FHA and secure a 30 year fixed rate mortgage with some lenders with a 580 credit score. Even though FHA on paper says they will go down to 500 credit score with at least 10% down payment, you will find it hard to get the loan approved because lenders will create overlays to protect their interest and maintain a good standing with FHA and HUD.<br /><br /><br />Another popular no money down loan is VA. Most VA lenders will want a 620 middle credit score but like FHA, VA on paper says they will go down to a 500 score, but good luck finding a lender for that scenario.<br /><br /><br />A lot of times if your scores are in the high 500’s or low 600’s range, we can do a rapid rescore and get your scores improved within 30 days.</span><span style="font-family: inherit;"><br /></span><span style="font-family: inherit;"><br /></span><h3 style="text-align: left;"><span style="font-family: inherit;"><b>∘ Does it costs anything to get pre-approved for a mortgage loan?</b></span></h3>
<span style="font-family: inherit;"><br />Answer: Most lenders will not charge you a fee to get pre-approved, but some lenders may want you to pay for the credit report fee upfront. Typically costs for a tri-merge credit report for a single borrower runs about $50 or less. Maybe higher if more borrowers are included on the loan application.<br /></span><h3 style="text-align: left;"><span style="font-family: inherit;"><br /></span><span style="font-family: inherit;"><b><br /></b></span><span style="font-family: inherit;"><b>∘ How long does it take to get approved for a mortgage loan in Kentucky?</b></span></h3>
<span style="font-family: inherit;"><br /><br />Answer: Typically if you have all your income and asset documents together and submit to the lender, they typically can get you a pre-approval through the Automated Underwriting Systems within 24 hours. They will review credit, income and assets and run it through the different AUS (Automated Underwriting Systems) for the template for your loan pre-approval. Fannie Mae uses DU, or Desktop Underwriting, FHA and VA also use DU, and USDA uses a automated system called GUS. GUS stands for the Guaranteed Underwriting System.<br /><br /><br />If you get an Automated Approval, loan officers will use this for your pre-approval. If you have a bad credit history, high debt to income ratios, or lack of down payment, the AUS will sometimes refer the loan to a manual underwrite, which could result in a longer turn time for your loan pre-approval answer</span><br />
<span style="font-family: inherit;"><br /></span><h3 style="text-align: left;"><span style="font-family: inherit;"><b>∘ Are there any special programs in Kentucky that help with down payment or no money down loans for KY First Time Home Buyers?</b></span></h3>
<span style="font-family: inherit;"><br />Answer: There are some programs available to KY First Time Home Buyers that offer zero down financing: KHC, USDA, VA, Fannie Mae Home Possible and HomePath, HUD $100 down and City Grants are all available to Kentucky First Time Home buyers if you qualify for them. Ask your loan officer about these programs<br /><br /><b><u><br /></u></b></span><h3 style="text-align: left;"><span style="font-family: inherit;"><b>∘ When can I lock in my interest rate to protect it from going up when I buy my first home?</b></span></h3>
<span style="font-family: inherit;"><br />Answer: You typically can lock in your mortgage rate and protect it from going up once you have a home picked-out and under contract. You can usually lock in your mortgage rate for free for 90 days, and if you need more time, you can extend the lock in rate for a fee to the lender in case the home buying process is taking a longer time. The longer the term you lock the rate in the future, the higher the costs because the lender is taking a risk on rates in the future.<br /><br /><br />Interest rates are kinda like gas prices, they change daily</span><br />
<span style="font-family: inherit;"><br /></span><h3 style="text-align: left;"><span style="font-family: inherit; font-weight: bold;">∘ How much money do I need to pay to close the loan?</span></h3>
<span style="font-family: inherit;"><br />Answer: Depending on which loan program you choose, the outlay to close the loan can vary. Typically you will need to budget for the following to buy a home: Good faith deposit, usually less than $500 which holds the home for you while you close the loan. You get this back at closing; Appraisal fee is required to be paid to lender before closing. </span></div><div class="separator" style="clear: both; text-align: center;"><br /></div><br /><div><span style="font-family: inherit;"><br /></span></div><div><span style="font-family: inherit;">Typical costs run around $500-$650 for an appraisal fee; home inspection fees. Even though the lender’s programs don’t require a home inspection, a lot of buyers do get one done. The costs for a home inspection runs around $300-$400. </span></div><div><span style="font-family: inherit;"><br /></span></div><div><span style="font-family: inherit;">Lastly, termite report. They are very cheap, usually $50 or less, and VA requires one on their loan programs. FHA, KHC, USDA, Fannie Mae does not require a termite report, but most borrowers get one done.<br /><br /><br />There are also lender costs for title insurance, title exam, closing fee, and underwriting fees that will be incurred at closing too. You can negotiated the seller to pay for these fees in the contract, or sometimes the lender can pay for this with a lender credit. The lender has to issue a breakdown of the fees you will incur on your loan pre-approval.<br /><br /><b><br /></b></span><h3 style="text-align: left;"><span style="font-family: inherit;"><b>How long is my pre-approval good for on a Kentucky Mortgage Loan?</b></span></h3><span style="font-family: inherit;"><br /><br />Answer: Most lenders will honor your loan pre-approval for 120 days. After that, they will have to re-run your credit report and ask for updated pay stubs, bank statements, to make sure your credit quality and income and assets has not changed from the initial loan pre-approval.<br /><br /></span><h3 style="text-align: left;"><span style="font-family: inherit;"><br /></span><span style="font-family: inherit;"><b>How much money do I have to make to qualify for a mortgage loan in Kentucky?</b></span></h3><span style="font-family: inherit;"><br /><br />Answer: The general rule for most FHA, VA, KHC, USDA and Fannie Mae loans is that we run your loan application through the Automated Underwriting systems, and it will tell us your max loan qualifying ratios.<br /><br /><br />There are two ratios that matter when you qualify for a mortgage loan. The front-end ratio, is the new house payment divided by your gross monthly income. The back-end ratio, is the new house payment added to your current monthly bills on the credit report, to include child support obligations and 401k loans.<br /><br />Car insurance, cell phone bills, utilities bills does not factor into your qualifying rations.<br /><br />If the loan gets a refer on the initial desktop underwriting findings, then most programs will default to a front end ratio of 31% and a back-end ratio of 43% for most government agency loans that get a refer. You then take the lowest payment to qualify based on the front-end and back-end ratio.<br /><br />So for example, let’s say you make $3000 a month and you have $400 in monthly bills you pay on the credit report. What would be your maximum qualifying house payment for a new loan?<br /><br />Take the $3000 x .43%= $1290 maximum back-end ratio house payment. So take the $1290-$400= $890 max house payment you qualify for on the back-end ratio.<br /><br />Then take the $3000 x .31%=$930 maximum qualifying house payment on front-end ratio.<br /><br />So now you know! The max house payment you would qualify would be the $890, because it is the lowest payment of the two ratios.<br /><br /><br /><br /></span><span style="font-family: inherit;"><a href="https://www.emailmeform.com/builder/form/0bfJs9b6bK8TGoc6mQk9hIu"><img alt="Click on Link To apply for mortgage via text, email, call, or online for free" border="0" height="152" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj3uGkGsDYfF0ib7snL0pJaUweuNVf93PFL6hgMWS_sIV2pvm1KvmdQvFi-KXCQbtRrbgHfDlV4eBNKl9-nnWhGzoPDL_OBkKthtywyS71x87ePcUBUI8SXM2KC6WnhTUKx0tnCZ0SpEpm7/w320-h152/gotquestion-1.jpg" width="320" /></a></span><div><br /></div><div><div class="separator" style="clear: both; text-align: center;"><br /></div>
<h4>
<span style="font-family: inherit;"><b><br /></b></span></h4>
<h2 style="text-align: left;"><span style="font-family: inherit;"><b>10 mortgage facts will give you an advantage when shopping for a home loan in KY!👇</b></span></h2>
<br />
<span style="font-family: inherit;"><br /></span>
<span style="font-family: inherit;"><b><br /></b></span><h3 style="text-align: left;"><span style="font-family: inherit;"><b> 1. Mortgage Rates Change</b></span></h3>
<span style="font-family: inherit;"><br /><br />Just like the stock market, mortgage rates change throughout the day. Mortgage rates you see today may not be available tomorrow. If you are in the market for a mortgage loan, be sure to check the current rates being offered by lenders. If you have already done your research and have found your dream home consider locking in your rate as soon as possible.<br /><br /><br /><br /><b> 2. Different Lenders Charge Different Fees</b><br /><br /><br />Don’t expect every lender to charge the same fees for a mortgage loan. Every lender structures their fees differently, which is why it is important to shop with at least 3 lenders to compare. Next time you apply for a mortgage loan pay attention to the rates, points being charged and closing costs.<br /><br /><br /><br /><b> 3. Lenders Can Sell Your Loan to Another Bank</b><br /><br /><br />Many borrowers have experience getting a mortgage loan with a certain lender only to find out that the loan has been sold to another bank. This occurs because lenders need to free up their liabilities in order to make room to give out more loans. This does not affect your mortgage whatsoever, but it’s important to pay close attention to your mortgage statement and any correspondence you receive in the mail to make sure you do not make payments to the wrong bank.<br /><br /><br /><b><br /> 4. Your Middle Credit Score Matters</b><br /><br /><br /><br />When you apply for a mortgage loan, the lender will pull your credit scores from three credit bureaus (Transunion, Equifax and Experian) to help them determined if you are credit worthy. Your middle score of the three is what lenders will use for loan qualification. However, the underwriter will review all three scores as part of the loan underwriting process. If you pull your own credit score through a website online, the credit scores displayed to you may be different than what lenders use because they use different reporting systems.<br /><br /><br /><br /><b> 5. You Can Refinance Your Home Loan Anytime</b><br /><br /><br /><br />You can refinance your mortgage anytime, but it doesn’t necessarily mean you should. Think about why you want to refinance. Is because you want to lower your monthly payments, to change the type of loan you are in or to take cash out from your equity? Whatever the reason is, make sure that it makes financial sense.<br /><br /><br /><b> 6. You Can Get a Mortgage Loan After a Foreclosure</b><br /><br /><br />Many homeowners have experienced a foreclosure after the recent mortgage crisis. There is good news for these borrowers because they can get a mortgage loan after foreclosure. There are waiting periods involved, for example, to apply for an FHA loan you must wait three years after foreclosure to apply. If you want to get a conventional loan the waiting period is seven years from foreclosure. For those seeking a VA loan, the waiting period is two-years.<br /><br /><br />There are exceptions to the waiting periods, but you have to show the lender that your foreclosure was caused by an event outside your control, such as losing your job or being seriously ill.<br /><br /><br /><b> 8. Good Credit Allows you to Get Better Mortgage Rates</b><br /><br /><br /><br />Good credit scores mean a better rate in any type of loan, especially a mortgage loan. Your credit heavily impacts the type mortgage loan you will qualify for. To maintain a good credit report, make sure you monitored it closely. One of the advantages to good credit is that more banks will want to compete for your business, therefore giving you leverage to negotiate the closing costs.<br /><br /><br /><br /><b> 9. Know Your Annual Percentage Rate (APR)</b><br /><br /><br />Knowing your APR will allow you see the true cost of your loan. While the interest rate shows the annual cost of your loan, the APR includes other fees such as origination points, admin fees, loan processing fees, underwriting fees, documentation fees, private mortgage insurance and escrow fees.<br /><br /><br />There may be more or less fees included in the ARP from what we mentioned. To be sure what fees are included in the APR, ask your lender to give you a breakdown of the closing costs included.<br /><br /><br /><b> 10. You Can Always Reduce Closing Costs</b><br /><br /><br />One way to reduce closing costs is to have the sellers contribute towards the closing costs when purchasing your home. This can be negotiated between the buyer and the sellers in the purchase contract. The amount the seller can contribute will depend on the type of loan. Another way to save on closing costs is to have the lender give you a credit to cover out of pocket loan costs.<br /><br /><br /><br /><a href="https://www.emailmeform.com/builder/form/0bfJs9b6bK8TGoc6mQk9hIu"><img alt="Click on link to start your mortgage loan approval" border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEga8Rq8ZIt4KelL74z7BjxvsAihoP_iCNsu6lKRrsDM8d45jMWRXmwphoqT5lECAhQStI8rhr-Epx7W4iR0QTm3UWRFFD3rf45CwaYx1medQXGRUXh5lgh8P6hH6FUdzMDk_EP-cmqDJMRv/s1600/unnamed+%252810%2529.png" title="" /></a></span><br />
<h3><br /></h3><h4><div class="separator" style="clear: both; text-align: center;"><br /></div>
<span style="font-family: inherit;"><br /></span></h4>
<h2 style="text-align: center;">
<span style="font-family: inherit;">Real Customer Testimonials</span></h2>
<span><br /><br /><span style="font-family: inherit;">We just moved here the first of January in 2017 from Ohio to the Louisville, KY area and we found Joel's website online. He was quick to respond to us and got back the same day on our loan approval. He was very knowledgeable about the local market and kept us up-to date throughout the loan process and was a pleasure to meet at closing. Would recommend his services.</span><br /><br /><br /><br /><b style="font-family: inherit;">Angela Forsythe</b><br /><br /><span style="font-family: inherit;">"We were searching online for mortgage companies in Louisville, Ky locally to deal with and found Joel's website, and it was a godsend. He was great to work with, and delivered on everything he said he would do. I ended up referring my co-worker at UPS, and she was very pleased with his service and rates too. Would definitely vouch for him." September 2016</span><br /><br /><br /><b style="font-family: inherit;">Monica </b><b>Leonhardt</b><br /><br /><br /><span style="font-family: inherit;"> "We contacted Joel back in July 2011 to refinance our Mortgage and he was great to work with. We contacted several lenders locally and online, and most where taking almost 60 days to close a refinance, Joel got it done in 23 days start to finish, I would definitely recommend him. He got us 3.75% with just $900 in closing costs on our FHA Streamline loan.</span><br /><br /><br /><b>Kaylee</b><b style="font-family: inherit;"> Griffin</b><br /><br /><br /><span style="font-family: inherit;">“Joel is one of the best Mortgage Brokers I have ever worked with in my sixteen years in the real estate and mortgage business.” May 25, 2010</span><br /><br /><br /><b style="font-family: inherit;"> Tim Beck</b><br /><br /><span style="font-family: inherit;">“Joel has always worked very hard to keep his word and to work out seasonable solutions to difficult problems. He is truly an expert in FHA and other type loans.” September 1, 2010</span><br /><br /><br /><b style="font-family: inherit;"> Nancy </b><b>Nally</b><br /><br /><span style="font-family: inherit;"> “I have worked with Joel since 1998. He is a great loan professional.” I refer most of my Louisville, Kentucky area home buyers to him and he always take special care of them. August 23, 2012</span><br /><br /> <b style="font-family: inherit;"><br /> Jon </b><b>Clark</b><br /><br /><span style="font-family: inherit;"> “Joel Lobb is a real professional in the lending industry, with many years of experience, he is the one to go to for any mortgage lending needs.” August 22, 2011</span><br /><b style="font-family: inherit;"><br /> <br /> RICHARD VOLZ , Residential Sales , Remax Foursquare Realty</b><br /><br /><span style="font-family: inherit;">“When looking to purchase our new home in 2006, I had the pleasure of meeting Joel Lobb. Not only was he personable and easy to reach, he was extremely knowledgeable in his field and made sure to find us the best rate and a top notch mortgage company. We were able to complete the process in less than 3 weeks with his expertise. I find Joel to have the utmost high integrity and I recommend him to anyone who say's they are need of mortgage assistance. He is also fantastic and keeping everyone up to date on the latest in the housing industry through his twitter posts. He provided great results for our family and we still communicate to this day!” August 21, 2010</span><br /><br /><b style="font-family: inherit;">Stacie Drake</b><br /><br /><span style="font-family: inherit;"> "We first use Joel on our new home purchase in 2007 in St Matthews, Kentucky area and he was great to work with. We have since refinanced our home with him in 2010 when rates got really low and he has always delivered on what he says. I could not imagine using anyone else."</span><br /><br /><b style="font-family: inherit;"><br /> Melody Glasscock</b><br /><br /><span style="font-family: inherit;">Absolutely Amazing!! I emailed Joel after I had just got a denial from a bank and just thought i would try to get some advice on what my next steps would be to get a house. I honestly didn't expect to even get a reply because my credit is not great. That was about a week and a half ago. I just signed a contract on a house last night. ONLY because of Joel Lobb. He even worked with us throughout the weekend, which shocked me. Best decision I have ever made. THANK YOU SO MUCH FOR WORKING WITH US THROUGHOUT THE ENTIRE PROCESS.</span><br /><br /><b style="font-family: inherit;">Cee </b><b>Belisle</b><b style="font-family: inherit;"> </b><br /><br /><span style="font-family: inherit;">Contacted him about buying a home and he was great to work with. I was moving to Louisville Ky to take a new job and he walked me through the entire process. He explained to me all the different options for FHA, VA, USDA mortgage loans and credit score requirements versus Fannie Mae. Since I was a first time home buyer I needed alot of help and guidance. I would definitely recommend him. Fast to respond and available to answer questions that I or my realtor had after hours.</span><br /><br /><b style="font-family: inherit;">Anderson Johnson </b><br /><br /><span style="font-family: inherit;">We moved from Michigan to Northern Kentucky area and we were really impressed. We got a USDA loan no money down and closed in less than 3.5 weeks. We shopped around online with other lenders but Joel was always first to respond and his rates were just a little better than other lenders. He kept us informed through the process along with our realtor and there was absolutely no surprises like we heard from other co-workers and friends that they experienced in their loan process. We have already referred another co-worker to Joel . He's AWESOME</span></span><br />
<span style="font-family: inherit;"><br /></span>
<span style="font-family: inherit;"><br /><b>Betty Parsons</b><br /><br /><br />Wow, what a great loan officer. I was referred to him by our agent and he was great to work with. We used him for a USDA no money down loan in Shelby County and we were really impressed. We were afraid we could not buy a home since we did not have money saved for a down payment, but Joe l was able to get us a zero down loan and we even got our appraisal fee and good faith deposit back at closing. We actually got money back at closing!!! I Can't think him enough. Our family moved from our apartment in the south end of town to get our own home with 5 acres for our kids and 2 dogs, at a payment that is equal to our rent payment also. .Thanks Again Joel. May god bless you<br /><br /><b>Patty Locker</b><br /><br /><br />We contacted Joel about buying a house on our move from Ohio for my husband's job transfer with Ford. We put a lot of trust in him since we were new to the area and first time home buyers in the Louisville KY market, and he always delivered on what he said. It took us a while to find a home due to the lack of homes, but once we got one, he was always quick to respond our questions via text or email ,and kept us informed through the process. We got to meet him at the closing and he was super nice and even got us a closing gift for our home which we didn't expect at all. Super nice guy 😀!!! I would definitely recommend him for a local Home loan in the Louisville area.</span><br />
<span style="font-family: inherit;"><br /></span>
<span style="font-family: inherit;"><b>Pam Dolby</b><br /><br />I got a VA loan with Joel and he was great. He is an ex-army guy so he could relate to my past experiences of being a veteran and moving around the country a lot. I had some credit issues that required a little extra work but Joel was able to find A VA lender to approve my situation as far as having past bad credit problems and a lower credit score. We closed yesterday on our home here in Louisville and we could not be happier. We finally have a home of our own thanks to Joel . I would definitely recommend him for a mortgage loan. Great experience and closed 8 days before expected close date so we were able to move in early.<br /><br /><b>John Sanger</b><br /><br />I contacted Joel about the $10,000 KY Housing Grant last month and we were able to get it and I just closed on my home. He was great to work with and if you are a first time home buyer here in Louisville, I would definitely contact him. I met him at his office and he was very nice and knowledgeable and kept me informed through the process. No surprises either so I was very happy. I am new homeowner thanks to Joel .</span><br />
<span style="font-family: inherit;"><b><br /></b></span>
<span style="font-family: inherit;"><b>Chelsea Martin</b></span><br />
<span style="font-family: inherit;"><b><br /></b></span><div style="text-align: center;"><div class="separator" style="clear: both; text-align: center;"><br /></div></div><span style="font-family: inherit;"><br /><br /><br />Joel Lobb (NMLS#57916)</span><br />
<span style="font-family: inherit;"><br />Senior Loan Officer<br /><br />American Mortgage Solutions, Inc.<br />10602 Timberwood Circle Suite 3<br />Louisville, KY 40223</span><br />
<span style="font-family: inherit;"><br />Company ID #1364 | MB73346<br /><br />Text/call 502-905-3708</span><br />
<span style="font-family: inherit;"><br />kentuckyloan@gmail.com</span><br />
<br />
<span style="font-family: inherit;"><br /></span>
<span style="font-family: inherit;">If you are an individual with disabilities who needs accommodation, or you are having difficulty using our website to apply for a loan, please contact us at 502-905-3708.<br /> <br /><br />Disclaimer: No statement on this site is a commitment to make a loan. Loans are subject to borrower qualifications, including income, property evaluation, sufficient equity in the home to meet Loan-to-Value requirements, and final credit approval. Approvals are subject to underwriting guidelines, interest rates, and program guidelines and are subject to change without notice based on applicant's eligibility and market conditions. Refinancing an existing loan may result in total finance charges being higher over the life of a loan. Reduction in payments may reflect a longer loan term. Terms of any loan may be subject to payment of points and fees by the applicant Equal Opportunity Lender. NMLS#57916<a href="http://www.nmlsconsumeraccess.org/">http://www.nmlsconsumeraccess.org/</a> </span><br />
<br />
<span style="font-family: inherit;"><span style="font-family: inherit;"><a data-saferedirecturl="https://www.google.com/url?q=http://nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/3001&source=gmail&ust=1577029582292000&usg=AFQjCNGg2UDD8rMzT8ZgP8tYohoUQo64uw" href="https://www.nmlsconsumeraccess.org/" style="box-sizing: border-box; display: inline-block; margin: 0px 5px; text-align: center;" target="_blank">NMLS Consumer Access for Joel Lobb</a><span style="background-color: white; text-align: center;"> </span></span></span><br />
<span style="font-family: inherit;"><span style="font-family: inherit;"><span style="background-color: white; text-align: center;"><br /></span></span></span><span style="font-family: inherit;"><a href="https://www.mylouisvillekentuckymortgage.com/p/accessibility-statement.html" target="_blank">Accessibility for Website</a><span style="background-color: white; text-align: center;"> </span></span><br />
<span style="font-family: inherit;"><span style="background-color: white; text-align: center;"><br /></span></span><span style="font-family: inherit;"><a href="https://www.loansolutionsnow.com/CompanyInformation/privacy-policy/" target="_blank">Privacy Policy</a></span><br /><div class="separator" style="clear: both; text-align: center;"><br /></div><br /><div class="separator" style="clear: both; text-align: center;"><br /></div><br /><hr style="background-color: white; border-bottom: 0px; border-image: initial; border-left: 0px; border-radius: 0px; border-right: 0px; border-top-color: rgba(0, 0, 0, 0.1); border-top-style: solid; box-sizing: content-box; color: #212529; font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, "Helvetica Neue", Arial, "Noto Sans", sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji"; font-size: 16px; height: 0px; margin-bottom: 1rem; margin-top: 1rem; overflow: visible;" /><div class="row" style="background-color: white; border-radius: 0px; box-sizing: border-box; color: #212529; display: flex; flex-wrap: wrap; font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, "Helvetica Neue", Arial, "Noto Sans", sans-serif, "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Noto Color Emoji"; font-size: 16px; margin-left: -15px; margin-right: -15px;"><div class="col-md-3" style="border-radius: 0px; box-sizing: border-box; flex: 0 0 25%; max-width: 25%; padding-left: 15px; padding-right: 15px; position: relative; width: 207.328px;"><img alt="Joel Lobb" src="https://www.kyhousing.org/Partners/Mortgage-Lending/PublishingImages/Lenders/JoelLobb.jpg" style="-webkit-tap-highlight-color: transparent; border-radius: 0px; border: none; box-sizing: border-box; margin: 5px; vertical-align: middle;" /> </div><div class="col-md-9" style="border-radius: 0px; box-sizing: border-box; flex: 0 0 75%; max-width: 75%; padding-left: 15px; padding-right: 15px; position: relative; width: 621.984px;"><p style="border-radius: 0px; box-sizing: border-box; line-height: 1.6; margin: 0px 0px 10px;"><span style="border-radius: 0px; box-sizing: border-box; font-weight: bolder;">Joel Lobb</span>, American Mortgage Solutions (Statewide)</p><p style="border-radius: 0px; box-sizing: border-box; line-height: 1.6; margin: 0px 0px 10px;">Joel has worked with KHC for 14 of his 25 years in the mortgage lending business. Joel said, “A lot of my clients would not have been able to purchase a home of their own or possibly delayed their purchase due to lack of down payment but with the $10,000 DAP loan program, this gets them into a house sooner and starts their path to homeownership while building equity instead of throwing their money away.”</p><p style="border-radius: 0px; box-sizing: border-box; line-height: 1.6; margin: 0px 0px 10px;">When you’re ready to purchase a home in Joel's area, contact him at:<br style="border-radius: 0px; box-sizing: border-box;" /><span style="border-radius: 0px; box-sizing: border-box; font-weight: bolder;">Phone: </span>502-905-3708<br style="border-radius: 0px; box-sizing: border-box;" /><span style="border-radius: 0px; box-sizing: border-box; font-weight: bolder;">Email: </span><a href="mailto:Kentuckyloan@gmail.com" style="background-color: transparent; border-radius: 0px; box-sizing: border-box; color: #153683; text-decoration-line: none;" title="Email">Kentuckyloan@gmail.com</a><br style="border-radius: 0px; box-sizing: border-box;" /><span style="border-radius: 0px; box-sizing: border-box; font-weight: bolder;">Website: </span><a href="https://www.mylouisvillekentuckymortgage.com/" style="background-color: transparent; border-radius: 0px; box-sizing: border-box; color: #153683; text-decoration-line: none;" target="_blank" title="Website">www.mylouisvillekentuckymortgage.com</a></p><div><br /></div></div></div><div class="separator" style="clear: both; text-align: center;"><br /></div><div class="separator" style="clear: both; text-align: center;"><b>Any questions, please don't hesitate to reach out via, text, email, or call. Advice is always free. </b></div><div class="separator" style="clear: both; text-align: center;"><b><br /></b></div><div class="separator" style="clear: both; text-align: center;"><b>One of Kentucky's highest rated mortgage loan officers for FHA, VA, USDA, Kentucky Housing KHC </b><b>and conventional mortgage loans. </b></div></div><div class="separator" style="clear: both; text-align: center;"><br /></div><br />
<script async="" class=" Kentukcy conventional fha usda va" id="whats-my-payment-widget" src="https://mylouisvillekentuckymortgage.com/fullCalcCode.js" type="text/javascript"></script>
</div>
<script type="text/javascript">
var _userway_config = {
account: 'CvL1B6TbOu'
};
</script>
<script src="https://cdn.userway.org/widget.js" type="text/javascript"></script></div>
<a href="javascript:void(
window.open(
'https://form.jotform.com/220164312890146',
'blank',
'scrollbars=yes,
toolbar=no,
width=700,
height=500'
)
)
">
Kentucky Mortgage Application for KHC, FHA, VA, USDA Zero Down Loans
</a>
Joel Lobb, Mortgage Broker FHA, VA, KHC, USDAhttp://www.blogger.com/profile/14742291613632757087noreply@blogger.com10602 Timberwood Cir #3, Louisville, KY 40223, USA38.2347121 -85.574854500000015-33.852852399999996 109.19077049999999 90 79.659520499999985tag:blogger.com,1999:blog-2083715272801756161.post-38809324208630482532024-03-03T09:48:00.001-05:002024-03-03T09:48:24.917-05:00Louisville Kentucky Mortgage Lender for FHA, VA, KHC, USDA and Rural Housing Kentucky Mortgages: Kentucky FHA Loans and Conventional Mortgage Loans<a href="https://www.mylouisvillekentuckymortgage.com/2021/02/kentucky-fha-loans-and-conventional.html?spref=bl">Louisville Kentucky Mortgage Lender for FHA, VA, KHC, USDA and Rural Housing Kentucky Mortgages: Kentucky FHA Loans and Conventional Mortgage Loans</a>: What is the difference between Kentucky FHA Loans and Conventional Mortgage Loans? You know that two of the most popular mortgage options a...Joel Lobb, Mortgage Broker FHA, VA, KHC, USDAhttp://www.blogger.com/profile/14742291613632757087noreply@blogger.comtag:blogger.com,1999:blog-2083715272801756161.post-26128011735237909122024-02-29T09:00:00.001-05:002024-02-29T09:00:37.917-05:00Louisville Kentucky Mortgage Lender for FHA, VA, KHC, USDA and Rural Housing Kentucky Mortgages: Different Types of Kentucky Home Loans<a href="https://www.mylouisvillekentuckymortgage.com/2014/02/different-types-of-kentucky-home-loans.html?spref=bl">Louisville Kentucky Mortgage Lender for FHA, VA, KHC, USDA and Rural Housing Kentucky Mortgages: Different Types of Kentucky Home Loans</a>: Different Types of Kentucky Home Loans Conventional Loan • At least 3%-5% down • Closing costs will vary on ...Joel Lobb, Mortgage Broker FHA, VA, KHC, USDAhttp://www.blogger.com/profile/14742291613632757087noreply@blogger.comtag:blogger.com,1999:blog-2083715272801756161.post-33938935924620214592024-02-27T15:25:00.001-05:002024-02-27T15:25:33.841-05:00Kentucky USDA Rural Housing Mortgage Lender: Kentucky USDA Rural Development Loans Program Guid...<a href="https://kentuckyruralhousingusdaloan.blogspot.com/2019/05/kentucky-usda-rural-development-loans.html?spref=bl">Kentucky USDA Rural Housing Mortgage Lender: Kentucky USDA Rural Development Loans Program Guid...</a>: Kentucky USDA Rural Development Loans Program Guidelines Loan Purpose of Kentucky Rural Housing Loans Purchase One-time Close Constr...Joel Lobb, Mortgage Broker FHA, VA, KHC, USDAhttp://www.blogger.com/profile/14742291613632757087noreply@blogger.comtag:blogger.com,1999:blog-2083715272801756161.post-84211230200515956842024-02-21T20:28:00.002-05:002024-02-21T20:28:40.379-05:00General Requirements for Getting A Mortgage Loan Approval in Kentucky<h3 style="text-align: left;"><span style="background-color: white; color: #1f1f1f;">Getting a mortgage in Kentucky involves meeting certain criteria set by lenders</span></h3><user-query _ngcontent-ng-c2075945875="" _nghost-ng-c976779091="" class="ng-tns-c2075945875-1 ui-v2-enabled ng-star-inserted" style="background-color: white; color: #1f1f1f; display: flex; padding-inline-start: 0px; padding: 8px 0px;"><div _ngcontent-ng-c976779091="" class="user-query-container ui-v2-enabled ng-star-inserted" style="display: flex; gap: 8px;"><div _ngcontent-ng-c976779091="" class="query-content" id="user-query-content-0" style="color: var(--bard-color-on-surface); word-break: break-word;"><h3 style="text-align: left;"><br />General Requirements:</h3></div></div></user-query><model-response _ngcontent-ng-c2075945875="" _nghost-ng-c2982629714="" class="ng-tns-c2075945875-1 ng-star-inserted" style="background-color: white;"><div _ngcontent-ng-c2982629714=""><span style="color: #1f1f1f;"><div style="text-align: left;"><b><br />Credit Score:</b> A minimum credit score of 620 is generally required, but higher scores (around 720+) can unlock better interest rates and loan options. Lower credit scores are allowed on FHA, VA, and USDA loans. USDA and VA have no minimum credit score requirement but most lenders will want a 580 credit score or higher and FHA will go down to a 500 credit score with 10% down. </div><div style="text-align: left;"><b><br /></b></div><div _ngcontent-ng-c2982629714=""><b>Debt-to-Income (DTI) Ratio: </b>This compares your monthly debt payments to your gross monthly income. Aim for a DTI ratio below 40%, with some lenders allowing up to 50% depending on the loan type.</div><div _ngcontent-ng-c2982629714=""><br /></div><div _ngcontent-ng-c2982629714=""><b>Down Payment: </b>While 20% is traditional, Kentucky has programs allowing 3% down with assistance.</div><div _ngcontent-ng-c2982629714=""><br /></div><div _ngcontent-ng-c2982629714=""><b>Employment and Income:</b> Steady employment history and sufficient verifiable income are crucial.</div><div _ngcontent-ng-c2982629714="">Savings: Lenders prefer to see reserves covering several months of mortgage payments.</div><div _ngcontent-ng-c2982629714=""><br /></div><h4 style="text-align: left;">Additional factors:</h4><div _ngcontent-ng-c2982629714=""><br /></div><div _ngcontent-ng-c2982629714="">Loan Type: Different loan types (FHA, VA, USDA) have specific eligibility requirements.</div><div _ngcontent-ng-c2982629714=""><br /></div><div _ngcontent-ng-c2982629714="">First-Time Homebuyer Status: Kentucky offers programs with relaxed criteria for first-time buyers.</div><div _ngcontent-ng-c2982629714="">Area Median Income (AMI): Income limits apply to some Kentucky assistance programs.</div><div _ngcontent-ng-c2982629714="">Tips for Qualifying:</div><div _ngcontent-ng-c2982629714=""><br /></div><div _ngcontent-ng-c2982629714="">Check your credit score and report for errors.</div><div _ngcontent-ng-c2982629714="">Pay down debt to lower your DTI ratio and improve your credit utilization to increase your score .</div><div _ngcontent-ng-c2982629714="">Save consistently for your down payment and closing costs. Get a gift lined up for down payment</div><div _ngcontent-ng-c2982629714="">Consider down payment assistance programs.</div><div _ngcontent-ng-c2982629714="">Get pre-approved for a mortgage to understand your budget and cash to close along with out of pocket expenses before closing. </div><div _ngcontent-ng-c2982629714=""><br /></div><div _ngcontent-ng-c2982629714="">Resources:</div><div _ngcontent-ng-c2982629714=""><br /></div><div _ngcontent-ng-c2982629714="">Kentucky Housing Corporation: h<a href="ttps://www.kyhousing.org/">ttps://www.kyhousing.org/</a></div><div _ngcontent-ng-c2982629714="">My Louisville Kentucky Mortgage:<a href="ttps://www.mylouisvillekentuckymortgage.com/p/documents-needed-for-mortgage-loan.html"> https://www.mylouisvillekentuckymortgage.com/p/documents-needed-for-mortgage-loan.html</a></div><div _ngcontent-ng-c2982629714="">Kentucky First Time Home Buyer: <a href="https://kyfirsttimehomebuyer.wordpress.com/2024/01/20/kentucky-welcome-home-grant-5000-00/">https://kyfirsttimehomebuyer.wordpress.com/2024/01/20/kentucky-welcome-home-grant-5000-00/</a></div></span></div></model-response>Joel Lobb, Mortgage Broker FHA, VA, KHC, USDAhttp://www.blogger.com/profile/14742291613632757087noreply@blogger.comtag:blogger.com,1999:blog-2083715272801756161.post-42467101303206027152024-02-21T09:06:00.004-05:002024-02-21T09:06:31.762-05:00How to Qualify for a Kentucky FHA, VA, USDA and Conventional Home Loan<iframe frameborder="0" height="270" src="https://youtube.com/embed/l4gHW-rFBpY?si=PiVmFPhimKBGZjOx" width="480"></iframe><div><br /></div><div><br /></div><div><br /></div><div><div class="post-body entry-content" id="post-body-7761315888813953305" itemprop="articleBody" style="background-color: #fefdfa; color: #333333; font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif; font-size: 13px; line-height: 1.4; position: relative; width: 966.4px;"><h2 style="background-color: white; border-bottom: 1px solid transparent; color: #222222; font-family: Arial, Helvetica, sans-serif; font-feature-settings: normal; font-kerning: auto; font-optical-sizing: auto; font-size: 14px; font-stretch: normal; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-numeric: normal; font-variant-position: normal; font-variation-settings: normal; line-height: normal; margin: 0px; padding: 0.6em 0px 0.5em; position: relative;">How to qualify for a mortgage</h2><p style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif; font-size: small;">The type of mortgage you’re applying for determines the minimum requirements you’ll have to meet for your down payment, credit score, and debt-to-income ratio.</p><p style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif; font-size: small;">Find out what type of loan you might qualify for or what aspects of your finances you’ll need to improve to get a better shot at qualifying for a mortgage.</p><table id="m_1489231939291397079m_2109925106819072923gmail-tablepress-377-no-2" style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif; font-size: small; width: 621px;"><thead><tr><th>Loan Type</th><th>Min. Down Payment</th><th>Min. Credit Score</th><th>Max DTI</th><th style="width: 232px;">Property Type</th></tr></thead><tbody><tr><td style="font-family: Roboto, RobotoDraft, Helvetica, Arial, sans-serif; margin: 0px;">Conventional</td><td style="font-family: Roboto, RobotoDraft, Helvetica, Arial, sans-serif; margin: 0px;">3%</td><td style="font-family: Roboto, RobotoDraft, Helvetica, Arial, sans-serif; margin: 0px;">620</td><td style="font-family: Roboto, RobotoDraft, Helvetica, Arial, sans-serif; margin: 0px;">45%</td><td style="font-family: Roboto, RobotoDraft, Helvetica, Arial, sans-serif; margin: 0px; width: 232px;">Primary, secondary, investment</td></tr><tr><td style="font-family: Roboto, RobotoDraft, Helvetica, Arial, sans-serif; margin: 0px;"></td><td style="font-family: Roboto, RobotoDraft, Helvetica, Arial, sans-serif; margin: 0px;"></td><td style="font-family: Roboto, RobotoDraft, Helvetica, Arial, sans-serif; margin: 0px;"></td><td style="font-family: Roboto, RobotoDraft, Helvetica, Arial, sans-serif; margin: 0px;"></td><td style="font-family: Roboto, RobotoDraft, Helvetica, Arial, sans-serif; margin: 0px; width: 232px;"></td></tr><tr><td style="font-family: Roboto, RobotoDraft, Helvetica, Arial, sans-serif; margin: 0px;">VA</td><td style="font-family: Roboto, RobotoDraft, Helvetica, Arial, sans-serif; margin: 0px;">0%</td><td style="font-family: Roboto, RobotoDraft, Helvetica, Arial, sans-serif; margin: 0px;">none</td><td style="font-family: Roboto, RobotoDraft, Helvetica, Arial, sans-serif; margin: 0px;">none</td><td style="font-family: Roboto, RobotoDraft, Helvetica, Arial, sans-serif; margin: 0px; width: 232px;">Primary</td></tr><tr><td style="font-family: Roboto, RobotoDraft, Helvetica, Arial, sans-serif; margin: 0px;">FHA</td><td style="font-family: Roboto, RobotoDraft, Helvetica, Arial, sans-serif; margin: 0px;">3.5%</td><td style="font-family: Roboto, RobotoDraft, Helvetica, Arial, sans-serif; margin: 0px;">500</td><td style="font-family: Roboto, RobotoDraft, Helvetica, Arial, sans-serif; margin: 0px;">50%</td><td style="font-family: Roboto, RobotoDraft, Helvetica, Arial, sans-serif; margin: 0px; width: 232px;">Primary</td></tr><tr><td style="font-family: Roboto, RobotoDraft, Helvetica, Arial, sans-serif; margin: 0px;">USDA</td><td style="font-family: Roboto, RobotoDraft, Helvetica, Arial, sans-serif; margin: 0px;">0%</td><td style="font-family: Roboto, RobotoDraft, Helvetica, Arial, sans-serif; margin: 0px;">none</td><td style="font-family: Roboto, RobotoDraft, Helvetica, Arial, sans-serif; margin: 0px;">41%</td><td style="font-family: Roboto, RobotoDraft, Helvetica, Arial, sans-serif; margin: 0px; width: 232px;">Primary</td></tr></tbody></table><p style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif; font-size: small;">Keep in mind: The minimum down payment, minimum credit score, and maximum DTI shown in the table apply to mortgages used to purchase a primary residence. While you can use a conventional loan or a jumbo loan to purchase a home for another purpose, you might need a larger down payment, a higher credit score, more cash reserves, or all three.<br /></p><h2 style="background-color: white; border-bottom: 1px solid transparent; color: #222222; font-family: Arial, Helvetica, sans-serif; font-feature-settings: normal; font-kerning: auto; font-optical-sizing: auto; font-size: 14px; font-stretch: normal; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-numeric: normal; font-variant-position: normal; font-variation-settings: normal; line-height: normal; margin: 0px; padding: 0.6em 0px 0.5em; position: relative;">Credit score needed to buy a house</h2><p style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif; font-size: small;">Mortgage lending is risky, and lenders want a way to quantify that risk. They use your three-digit credit score to gauge the risk of loaning you money since your credit score helps predict your likelihood of paying back a loan on time. Lenders also consider other data, such as your income, employment, debts and assets to decide whether to offer you a loan.</p><p style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif; font-size: small;">Different lenders and loan types have different borrower requirements, loan terms and minimum credit scores. Here are the requirements for some of the most common types of mortgages.</p><h3 style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif; margin: 0px; position: relative;">Conventional loan</h3><p style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif; font-size: small;">Minimum credit score: 620</p><p style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif; font-size: small;">A conventional loan is a mortgage that isn’t backed by a federal agency. Most mortgage lenders offer conventional loans, and many lenders sell these loans to Fannie Mae or Freddie Mac — two government-sponsored enterprises. Conventional loans can have either fixed or adjustable rates, and terms ranging from 10 to 30 years.</p><p style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif; font-size: small;">You can get a conventional loan with a down payment as low as 3% of the home’s purchase price, so this type of loan makes sense if you don’t have enough for a traditional down payment. However, if your <a data-saferedirecturl="https://www.google.com/url?q=https://u6837958.ct.sendgrid.net/ls/click?upn%3DQeGBzuH2Omh4G8v1pXHrQfmTYDP4UCqjiH4PRCFP-2BMNs9nF0NuzVZRLA6TIq2Kjfjcokm9qTfe9caHxLZnMtWWzvvrX0vM4e8ka-2FUPjxD8tt3xgluJrJ2xiKnIqXQgi-2BBMjH_1UNj7hvg7uUE8G5zDMsBgP0qkAFLLWYc62YOGAQ6BSEELGOxNkZE13wbiOroZAYR-2Fa73hEPBkqAQ1JCN2AL8LD7qmDI5Dsdlkzyl9cb0fXKTOL3SZo4CIMUgIomz3IURyLLsPcxPr0U9jX7xsgQhFVa2Z8cNAhfWUY7rE-2Fxj5oaJY5t27u-2FJRcygyxq-2FiQenjV2ZdGmWF-2FXD6Vm-2BND1d0Qiy7AalGNX5G2MpZF532cAuDm8Q-2FPPl-2B9dOKyI343EhqemAGd-2B-2B3-2F6-2Fcio8-2FZ-2FHp46baDK1W-2FIkoznXgNgvEJytFMtV1p3pdpnm89H-2BCIHWnaH3VUNsiVQ5YxmkYUJCf27o7bAFXiPlioWxcmqhGIq2tg82eGlgG-2BIT-2F2FD3BbaOgNZS7vtNt60uLy-2BrK5SLeRS9IpJPbQNLpD6fXvptOV1gyOLC0YDQ7513i4Ob8QjxjdJiRUdde4KNCGfxPhDXA-3D-3D&source=gmail&ust=1646929297584000&usg=AOvVaw1-VjD_Ky6OYqjm1hNA_l6I" href="https://u6837958.ct.sendgrid.net/ls/click?upn=QeGBzuH2Omh4G8v1pXHrQfmTYDP4UCqjiH4PRCFP-2BMNs9nF0NuzVZRLA6TIq2Kjfjcokm9qTfe9caHxLZnMtWWzvvrX0vM4e8ka-2FUPjxD8tt3xgluJrJ2xiKnIqXQgi-2BBMjH_1UNj7hvg7uUE8G5zDMsBgP0qkAFLLWYc62YOGAQ6BSEELGOxNkZE13wbiOroZAYR-2Fa73hEPBkqAQ1JCN2AL8LD7qmDI5Dsdlkzyl9cb0fXKTOL3SZo4CIMUgIomz3IURyLLsPcxPr0U9jX7xsgQhFVa2Z8cNAhfWUY7rE-2Fxj5oaJY5t27u-2FJRcygyxq-2FiQenjV2ZdGmWF-2FXD6Vm-2BND1d0Qiy7AalGNX5G2MpZF532cAuDm8Q-2FPPl-2B9dOKyI343EhqemAGd-2B-2B3-2F6-2Fcio8-2FZ-2FHp46baDK1W-2FIkoznXgNgvEJytFMtV1p3pdpnm89H-2BCIHWnaH3VUNsiVQ5YxmkYUJCf27o7bAFXiPlioWxcmqhGIq2tg82eGlgG-2BIT-2F2FD3BbaOgNZS7vtNt60uLy-2BrK5SLeRS9IpJPbQNLpD6fXvptOV1gyOLC0YDQ7513i4Ob8QjxjdJiRUdde4KNCGfxPhDXA-3D-3D" style="color: #1155cc; text-decoration-line: none;" target="_blank">down payment is less than 20%</a>, you’re required to pay for private mortgage insurance (PMI), which is an insurance policy designed to protect the lender if you stop making payments. You can ask your servicer to cancel PMI once the principal balance of your mortgage falls below 80% of the original value of your home.</p><h3 style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif; margin: 0px; position: relative;">FHA loan</h3><p style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif; font-size: small;">Minimum credit score (10% down): 500</p><p style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif; font-size: small;">Minimum credit score (3.5% down): 580</p><p style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif; font-size: small;">FHA loans are backed by the Federal Housing Administration (FHA), a part of the U.S. Department of Housing and Urban Development (HUD). The FHA incentivizes lenders to make mortgage loans available to borrowers who might not otherwise qualify by guaranteeing the federal government will repay the mortgage if the borrower stops making payments. This makes an FHA loan a good option if you have a lower credit score.</p><p style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif; font-size: small;">FHA loans come in 15- or 30-year terms with fixed interest rates. Unlike conventional mortgages, which only require PMI for borrowers with less than 20% down, all FHA borrowers must pay an up-front mortgage insurance premium (MIP) and an annual MIP, as long as the loan is outstanding.</p><h3 style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif; margin: 0px; position: relative;">VA loan</h3><p style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif; font-size: small;">Minimum credit score: N/A</p><p style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif; font-size: small;">VA loans are mortgages backed by the U.S. Department of Veterans Affairs (VA). The VA guarantees loans made by VA-approved lenders to qualifying veterans or service members of the U.S. armed forces, or their spouses. This type of loan is a great option for veterans and their spouses, especially if they don’t have the best credit and don’t have enough for a down payment.</p><p style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif; font-size: small;">VA loans are fixed-rate mortgages with 10-, 15-, 20- or 30-year terms.</p><p style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif; font-size: small;">Most VA loans don’t require a down payment or monthly mortgage insurance premiums. However, they do require a one-time VA funding fee, that ranges from 1.4% to 3.6% of the loan amount.</p><h3 style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif; margin: 0px; position: relative;">USDA loan</h3><p style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif; font-size: small;">Minimum credit score: N/A</p><p style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif; font-size: small;">The U.S. Department of Agriculture guarantees loans for borrowers interested in buying homes in certain rural areas. USDA loans don’t require a minimum down payment, but you have to meet the USDA’s income eligibility limits, which vary by location.</p><p style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif; font-size: small;">All USDA mortgages have fixed interest rates and 30-year repayment terms.</p><p style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif; font-size: small;">USDA-approved lenders must pay an up-front guarantee fee of up to 3.5% of the purchase price to the USDA. That fee can be passed on to borrowers and financed into the home loan. If the home you want to buy is within an eligible rural area (defined by the USDA) and you meet the other requirements, this could be a great loan option for you.</p><h3 style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif; margin: 0px; position: relative;"></h3><h2 style="background-color: white; border-bottom: 1px solid transparent; color: #222222; font-family: Arial, Helvetica, sans-serif; font-feature-settings: normal; font-kerning: auto; font-optical-sizing: auto; font-size: 14px; font-stretch: normal; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-numeric: normal; font-variant-position: normal; font-variation-settings: normal; line-height: normal; margin: 0px; padding: 0.6em 0px 0.5em; position: relative;">What else do mortgage lenders consider?</h2><p style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif; font-size: small;">Your credit score isn’t the only factor lenders consider when reviewing your loan application. Here are some of the other factors lenders use when deciding whether to give you a mortgage.</p><ul style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif; font-size: small; line-height: 1.4; list-style-image: initial; list-style-position: initial; margin: 0.5em 0px; padding: 0px 2.5em;"><li style="border: none; color: #333333; margin: 0px 0px 0.25em 15px; padding: 0.25em 0px;">Debt-to-income ratio — Your <a data-saferedirecturl="https://www.google.com/url?q=https://u6837958.ct.sendgrid.net/ls/click?upn%3DQeGBzuH2Omh4G8v1pXHrQfmTYDP4UCqjiH4PRCFP-2BMN2zfrthAmXEiLxOyVsVGh8bJO3zdiDoQ0phMGgoGCE6VhJbU5BTFMBHhujuToHtnQ-3DTaHr_1UNj7hvg7uUE8G5zDMsBgP0qkAFLLWYc62YOGAQ6BSEELGOxNkZE13wbiOroZAYR-2Fa73hEPBkqAQ1JCN2AL8LD7qmDI5Dsdlkzyl9cb0fXKTOL3SZo4CIMUgIomz3IURyLLsPcxPr0U9jX7xsgQhFVa2Z8cNAhfWUY7rE-2Fxj5oaJY5t27u-2FJRcygyxq-2FiQenjV2ZdGmWF-2FXD6Vm-2BND1d0Qiy7AalGNX5G2MpZF532cAuDm8Q-2FPPl-2B9dOKyI343EhqemAGd-2B-2B3-2F6-2Fcio8-2FZ-2FHp46baDK1W-2FIkoznXgNgvEJytFMtV1p3pdpnm89H-2BCIHWiGFwmTrrvWWYPiy9Tff3cNysZfVBBAMuI8xh6iLfW7KIeTtAVUxPIttzDrKXBUqXASvfvqAba4EC4szOQ25LwHkR4be9CUyJ6WV1GyezNd5Di3-2BS67CjVNn-2FjrcbiOHwItoZKQBzulf4J6snx3CL-2Fg-3D-3D&source=gmail&ust=1646929297584000&usg=AOvVaw2B9hKb3cVX94pFmqTSaY8Q" href="https://u6837958.ct.sendgrid.net/ls/click?upn=QeGBzuH2Omh4G8v1pXHrQfmTYDP4UCqjiH4PRCFP-2BMN2zfrthAmXEiLxOyVsVGh8bJO3zdiDoQ0phMGgoGCE6VhJbU5BTFMBHhujuToHtnQ-3DTaHr_1UNj7hvg7uUE8G5zDMsBgP0qkAFLLWYc62YOGAQ6BSEELGOxNkZE13wbiOroZAYR-2Fa73hEPBkqAQ1JCN2AL8LD7qmDI5Dsdlkzyl9cb0fXKTOL3SZo4CIMUgIomz3IURyLLsPcxPr0U9jX7xsgQhFVa2Z8cNAhfWUY7rE-2Fxj5oaJY5t27u-2FJRcygyxq-2FiQenjV2ZdGmWF-2FXD6Vm-2BND1d0Qiy7AalGNX5G2MpZF532cAuDm8Q-2FPPl-2B9dOKyI343EhqemAGd-2B-2B3-2F6-2Fcio8-2FZ-2FHp46baDK1W-2FIkoznXgNgvEJytFMtV1p3pdpnm89H-2BCIHWiGFwmTrrvWWYPiy9Tff3cNysZfVBBAMuI8xh6iLfW7KIeTtAVUxPIttzDrKXBUqXASvfvqAba4EC4szOQ25LwHkR4be9CUyJ6WV1GyezNd5Di3-2BS67CjVNn-2FjrcbiOHwItoZKQBzulf4J6snx3CL-2Fg-3D-3D" style="color: #1155cc; text-decoration-line: none;" target="_blank">debt-to-income (DTI) ratio</a> is the amount of debt payments you make each month (including your mortgage payments) relative to your gross monthly income. For example, if your mortgage payments, car loan and credit card payments add up to $1,800 per month and you have a $6,000 monthly income, your debt-to-income ratio would be $1,800/$6,000, or 30%. Most conventional mortgages require a DTI ratio no greater than 36%. However, you may be approved with a DTI up to 45% if you meet other requirements.</li><li style="border: none; color: #333333; margin: 0px 0px 0.25em 15px; padding: 0.25em 0px;">Employment history — When you apply for a mortgage, lenders will ask for proof of employment — typically two years’ worth of W-2s and tax returns, as well as your two most recent pay stubs. Lenders prefer to work with people who have stable employment and consistent income.</li><li style="border: none; color: #333333; margin: 0px 0px 0.25em 15px; padding: 0.25em 0px;">Down payment — Putting money down to buy a home gives you immediate equity in the home and helps to ensure the lender recoups their loss if you stop making payments and they need to foreclose on the home. Most loans — other than VA and USDA loans — require a down payment of at least 3%, although a higher down payment could help you qualify for a lower interest rate or make up for other less-than-ideal aspects of your mortgage application.</li><li style="border: none; color: #333333; margin: 0px 0px 0.25em 15px; padding: 0.25em 0px;">The home’s value and condition — Lenders want to ensure the home collateralizing the loan is in good condition and worth what you’re paying for it. Typically, they’ll require an appraisal to determine the home’s value and may also require a home inspection to ensure there aren’t any unknown issues with the property.</li></ul><h2 style="background-color: white; border-bottom: 1px solid transparent; color: #222222; font-family: Arial, Helvetica, sans-serif; font-feature-settings: normal; font-kerning: auto; font-optical-sizing: auto; font-size: 14px; font-stretch: normal; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-numeric: normal; font-variant-position: normal; font-variation-settings: normal; line-height: normal; margin: 0px; padding: 0.6em 0px 0.5em; position: relative;">How is your credit score calculated?</h2><p style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif; font-size: small;">Most talk of credit scores makes it sound as if you have only one score. In fact, you have several credit scores, and they may be used by different lenders and for different purposes.</p><p style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif; font-size: small;">The three national credit bureaus — Experian, Equifax and TransUnion — collect information from banks, credit unions, lenders and public records to formulate your credit score. The most common and well-known scoring model is the FICO Score, which is based on the following five factors:</p><ul style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif; font-size: small; line-height: 1.4; list-style-image: initial; list-style-position: initial; margin: 0.5em 0px; padding: 0px 2.5em;"><li style="border: none; color: #333333; margin: 0px 0px 0.25em 15px; padding: 0.25em 0px;">Payment history (35%) — A history of late payments will drag your score down, as will negative information from bankruptcies, foreclosures, repossessions or accounts referred to collections.</li><li style="border: none; color: #333333; margin: 0px 0px 0.25em 15px; padding: 0.25em 0px;">How much you owe (30%) — Your credit utilization ratio is the amount of revolving credit you’re using compared to your total available credit. For example, if you have one credit card with a $2,000 balance and a $4,000 credit limit, your credit utilization ratio is 50%. Credit scoring models view using a larger percentage of your available credit as risky behavior, so high balances and maxed-out credit cards will negatively impact your score.</li><li style="border: none; color: #333333; margin: 0px 0px 0.25em 15px; padding: 0.25em 0px;">Length of credit history (15%) — This factor considers the age of your oldest account, newest account and the average age of all your credit accounts. In general, the longer you’ve been using credit responsibly, the higher your score will be.</li><li style="border: none; color: #333333; margin: 0px 0px 0.25em 15px; padding: 0.25em 0px;">Types of accounts (10%) — Credit scoring models favor people who use a mix of credit cards, installment loans, mortgages and other types of credit.</li><li style="border: none; color: #333333; margin: 0px 0px 0.25em 15px; padding: 0.25em 0px;">Recent credit history (10%) — Lenders view applying for and opening several new credit accounts within a short period as a sign of financial trouble and it’ll negatively impact your score.</li></ul><h2 style="background-color: white; border-bottom: 1px solid transparent; color: #222222; font-family: Arial, Helvetica, sans-serif; font-feature-settings: normal; font-kerning: auto; font-optical-sizing: auto; font-size: 14px; font-stretch: normal; font-variant-alternates: normal; font-variant-east-asian: normal; font-variant-numeric: normal; font-variant-position: normal; font-variation-settings: normal; line-height: normal; margin: 0px; padding: 0.6em 0px 0.5em; position: relative;"></h2><p style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif; font-size: small;">Ready to shop around for a mortgage?</p><br style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif; font-size: small;" /><br style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif; font-size: small;" /><br style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif; font-size: small;" /><br style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif; font-size: small;" /><br style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif; font-size: small;" /><br style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif; font-size: small;" /><strong style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif; font-size: small;">Joel Lobb<br />Mortgage Loan Officer</strong><br style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif; font-size: small;" /><strong style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif; font-size: small;">Individual NMLS ID #57916</strong><br style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif; font-size: small;" /><br style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif; font-size: small;" /><br style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif; font-size: small;" /><strong style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif; font-size: small;">American Mortgage Solutions, Inc.</strong><br style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif; font-size: small;" /><strong style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif; font-size: small;">10602 Timberwood Circle</strong><br style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif; font-size: small;" /><strong style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif; font-size: small;">Louisville, KY 40223</strong><br style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif; font-size: small;" /><strong style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif; font-size: small;">Company NMLS ID #1364</strong><br style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif; font-size: small;" /><br style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif; font-size: small;" /><br style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif; font-size: small;" /><br style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif; font-size: small;" /><strong style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif; font-size: small;">Text/call: 502-905-3708</strong><br style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif; font-size: small;" /><br style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif; font-size: small;" /><strong style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif; font-size: small;">email: <a href="mailto:kentuckyloan@gmail.com" style="color: #1155cc; text-decoration-line: none;" target="_blank">kentuckyloan@gmail.com</a></strong><br style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif; font-size: small;" /><p style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif; font-size: small;"><span style="color: blue;"><strong><a data-saferedirecturl="https://www.google.com/url?q=https://kentuckyloan.blogspot.com/&source=gmail&ust=1646929297585000&usg=AOvVaw3ecYMpYoMfcM3nuFKg9YkJ" href="https://kentuckyloan.blogspot.com/" style="color: #1155cc; text-decoration-line: none;" target="_blank">https://kentuckyloan.blogspot.<wbr></wbr>com/</a></strong></span></p><p style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif; font-size: small;"></p><p style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif; font-size: small;"><img class="CToWUd" height="51" src="https://blogger.googleusercontent.com/img/proxy/AVvXsEho67m63xTHbIGoz7ecfJibwAuWUSk5j-oEBivK_KCWZcX3Ti_5XVLhUcEpSMVK8SgADjgH4GeqTXxlvq0YrfryNTBFxfNHTe6WOsMnzvQq-CBeUnqgLLpoZlNNWCdS8QcEabbY15EHQ_6uSURlsVQAUoQJGAqBl9uLsODSvKILXcoRngWUGvJd6rlN8um-brkh8CfZDg=s0-d-e1-ft" style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; border-radius: 5px; border: 1px solid rgb(0, 0, 0); box-shadow: rgba(0, 0, 0, 0.2) 0px 0px 20px; padding: 8px;" width="200" /></p><div style="clear: both;"></div></div><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiiJNG96bLOVG1ey2htucV_-cejUm263-11qORckBbi_meU3PuVmsc-H1DRMc_h8BwfGz6GU2qX_62ktM4XrfIGLBjJKUDzRFw6XF8URzex4CdGxzVVVqQWPZkRSWzNNEIxvrR0gy2T4rRH7LIn-u_nnbutmcwnMbvBx4c8hRd9iq94Ps6vWwChyphenhyphenlivKlLf/s864/427095921_10163699971909522_8046541260484437911_n.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="How to qualify for a mortgage The type of mortgage you’re applying for determines the minimum requirements you’ll have to meet for your down payment, credit score, and debt-to-income ratio. Find out what type of loan you might qualify for or what aspects of your finances you’ll need to improve to get a better shot at qualifying for a mortgage. Loan Type Min. Down Payment Min. Credit Score Max DTI Property Type Conventional 3% 620 45% Primary, secondary, investment VA 0% none none Primary FHA 3.5% 500 50% Primary USDA 0% none 41% Primary Keep in mind: The minimum down payment, minimum credit score, and maximum DTI shown in the table apply to mortgages used to purchase a primary residence. While you can use a conventional loan or a jumbo loan to purchase a home for another purpose, you might need a larger down payment, a higher credit score, more cash reserves, or all three. Credit score needed to buy a house Mortgage lending is risky, and lenders want a way to quantify that risk. They use your three-digit credit score to gauge the risk of loaning you money since your credit score helps predict your likelihood of paying back a loan on time. Lenders also consider other data, such as your income, employment, debts and assets to decide whether to offer you a loan. Different lenders and loan types have different borrower requirements, loan terms and minimum credit scores. Here are the requirements for some of the most common types of mortgages. Conventional loan Minimum credit score: 620 A conventional loan is a mortgage that isn’t backed by a federal agency. Most mortgage lenders offer conventional loans, and many lenders sell these loans to Fannie Mae or Freddie Mac — two government-sponsored enterprises. Conventional loans can have either fixed or adjustable rates, and terms ranging from 10 to 30 years. You can get a conventional loan with a down payment as low as 3% of the home’s purchase price, so this type of loan makes sense if you don’t have enough for a traditional down payment. However, if your down payment is less than 20%, you’re required to pay for private mortgage insurance (PMI), which is an insurance policy designed to protect the lender if you stop making payments. You can ask your servicer to cancel PMI once the principal balance of your mortgage falls below 80% of the original value of your home. FHA loan Minimum credit score (10% down): 500 Minimum credit score (3.5% down): 580 FHA loans are backed by the Federal Housing Administration (FHA), a part of the U.S. Department of Housing and Urban Development (HUD). The FHA incentivizes lenders to make mortgage loans available to borrowers who might not otherwise qualify by guaranteeing the federal government will repay the mortgage if the borrower stops making payments. This makes an FHA loan a good option if you have a lower credit score. FHA loans come in 15- or 30-year terms with fixed interest rates. Unlike conventional mortgages, which only require PMI for borrowers with less than 20% down, all FHA borrowers must pay an up-front mortgage insurance premium (MIP) and an annual MIP, as long as the loan is outstanding. VA loan Minimum credit score: N/A VA loans are mortgages backed by the U.S. Department of Veterans Affairs (VA). The VA guarantees loans made by VA-approved lenders to qualifying veterans or service members of the U.S. armed forces, or their spouses. This type of loan is a great option for veterans and their spouses, especially if they don’t have the best credit and don’t have enough for a down payment. VA loans are fixed-rate mortgages with 10-, 15-, 20- or 30-year terms. Most VA loans don’t require a down payment or monthly mortgage insurance premiums. However, they do require a one-time VA funding fee, that ranges from 1.4% to 3.6% of the loan amount. USDA loan Minimum credit score: N/A The U.S. Department of Agriculture guarantees loans for borrowers interested in buying homes in certain rural areas. USDA loans don’t require a minimum down payment, but you have to meet the USDA’s income eligibility limits, which vary by location. All USDA mortgages have fixed interest rates and 30-year repayment terms. USDA-approved lenders must pay an up-front guarantee fee of up to 3.5% of the purchase price to the USDA. That fee can be passed on to borrowers and financed into the home loan. If the home you want to buy is within an eligible rural area (defined by the USDA) and you meet the other requirements, this could be a great loan option for you. What else do mortgage lenders consider? Your credit score isn’t the only factor lenders consider when reviewing your loan application. Here are some of the other factors lenders use when deciding whether to give you a mortgage. Debt-to-income ratio — Your debt-to-income (DTI) ratio is the amount of debt payments you make each month (including your mortgage payments) relative to your gross monthly income. For example, if your mortgage payments, car loan and credit card payments add up to $1,800 per month and you have a $6,000 monthly income, your debt-to-income ratio would be $1,800/$6,000, or 30%. Most conventional mortgages require a DTI ratio no greater than 36%. However, you may be approved with a DTI up to 45% if you meet other requirements. Employment history — When you apply for a mortgage, lenders will ask for proof of employment — typically two years’ worth of W-2s and tax returns, as well as your two most recent pay stubs. Lenders prefer to work with people who have stable employment and consistent income. Down payment — Putting money down to buy a home gives you immediate equity in the home and helps to ensure the lender recoups their loss if you stop making payments and they need to foreclose on the home. Most loans — other than VA and USDA loans — require a down payment of at least 3%, although a higher down payment could help you qualify for a lower interest rate or make up for other less-than-ideal aspects of your mortgage application. The home’s value and condition — Lenders want to ensure the home collateralizing the loan is in good condition and worth what you’re paying for it. Typically, they’ll require an appraisal to determine the home’s value and may also require a home inspection to ensure there aren’t any unknown issues with the property. How is your credit score calculated? Most talk of credit scores makes it sound as if you have only one score. In fact, you have several credit scores, and they may be used by different lenders and for different purposes. The three national credit bureaus — Experian, Equifax and TransUnion — collect information from banks, credit unions, lenders and public records to formulate your credit score. The most common and well-known scoring model is the FICO Score, which is based on the following five factors: Payment history (35%) — A history of late payments will drag your score down, as will negative information from bankruptcies, foreclosures, repossessions or accounts referred to collections. How much you owe (30%) — Your credit utilization ratio is the amount of revolving credit you’re using compared to your total available credit. For example, if you have one credit card with a $2,000 balance and a $4,000 credit limit, your credit utilization ratio is 50%. Credit scoring models view using a larger percentage of your available credit as risky behavior, so high balances and maxed-out credit cards will negatively impact your score. Length of credit history (15%) — This factor considers the age of your oldest account, newest account and the average age of all your credit accounts. In general, the longer you’ve been using credit responsibly, the higher your score will be. Types of accounts (10%) — Credit scoring models favor people who use a mix of credit cards, installment loans, mortgages and other types of credit. Recent credit history (10%) — Lenders view applying for and opening several new credit accounts within a short period as a sign of financial trouble and it’ll negatively impact your score. Ready to shop around for a mortgage? Joel Lobb Mortgage Loan Officer Individual NMLS ID #57916 American Mortgage Solutions, Inc. 10602 Timberwood Circle Louisville, KY 40223 Company NMLS ID #1364 Text/call: 502-905-3708 email: kentuckyloan@gmail.com https://kentuckyloan.blogspot.com/ Email This BlogThis! Share to Twitter Share to Facebook Share to Pinterest Labels: credit, Credit Score, Debt to Income Ratio, FHA Guidelines, FHA Kentucky Home Loans, Fico Score, Kentucky VA Loans, USDA loans Joel Lobb, Mortgage Broker FHA, VA, KHC, 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." border="0" data-original-height="695" data-original-width="864" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiiJNG96bLOVG1ey2htucV_-cejUm263-11qORckBbi_meU3PuVmsc-H1DRMc_h8BwfGz6GU2qX_62ktM4XrfIGLBjJKUDzRFw6XF8URzex4CdGxzVVVqQWPZkRSWzNNEIxvrR0gy2T4rRH7LIn-u_nnbutmcwnMbvBx4c8hRd9iq94Ps6vWwChyphenhyphenlivKlLf/s16000/427095921_10163699971909522_8046541260484437911_n.jpg" title="How to qualify for a mortgage The type of mortgage you’re applying for determines the minimum requirements you’ll have to meet for your down payment, credit score, and debt-to-income ratio. Find out what type of loan you might qualify for or what aspects of your finances you’ll need to improve to get a better shot at qualifying for a mortgage. Loan Type Min. Down Payment Min. Credit Score Max DTI Property Type Conventional 3% 620 45% Primary, secondary, investment VA 0% none none Primary FHA 3.5% 500 50% Primary USDA 0% none 41% Primary Keep in mind: The minimum down payment, minimum credit score, and maximum DTI shown in the table apply to mortgages used to purchase a primary residence. While you can use a conventional loan or a jumbo loan to purchase a home for another purpose, you might need a larger down payment, a higher credit score, more cash reserves, or all three. Credit score needed to buy a house Mortgage lending is risky, and lenders want a way to quantify that risk. They use your three-digit credit score to gauge the risk of loaning you money since your credit score helps predict your likelihood of paying back a loan on time. Lenders also consider other data, such as your income, employment, debts and assets to decide whether to offer you a loan. Different lenders and loan types have different borrower requirements, loan terms and minimum credit scores. Here are the requirements for some of the most common types of mortgages. Conventional loan Minimum credit score: 620 A conventional loan is a mortgage that isn’t backed by a federal agency. Most mortgage lenders offer conventional loans, and many lenders sell these loans to Fannie Mae or Freddie Mac — two government-sponsored enterprises. Conventional loans can have either fixed or adjustable rates, and terms ranging from 10 to 30 years. You can get a conventional loan with a down payment as low as 3% of the home’s purchase price, so this type of loan makes sense if you don’t have enough for a traditional down payment. However, if your down payment is less than 20%, you’re required to pay for private mortgage insurance (PMI), which is an insurance policy designed to protect the lender if you stop making payments. You can ask your servicer to cancel PMI once the principal balance of your mortgage falls below 80% of the original value of your home. FHA loan Minimum credit score (10% down): 500 Minimum credit score (3.5% down): 580 FHA loans are backed by the Federal Housing Administration (FHA), a part of the U.S. Department of Housing and Urban Development (HUD). The FHA incentivizes lenders to make mortgage loans available to borrowers who might not otherwise qualify by guaranteeing the federal government will repay the mortgage if the borrower stops making payments. This makes an FHA loan a good option if you have a lower credit score. FHA loans come in 15- or 30-year terms with fixed interest rates. Unlike conventional mortgages, which only require PMI for borrowers with less than 20% down, all FHA borrowers must pay an up-front mortgage insurance premium (MIP) and an annual MIP, as long as the loan is outstanding. VA loan Minimum credit score: N/A VA loans are mortgages backed by the U.S. Department of Veterans Affairs (VA). The VA guarantees loans made by VA-approved lenders to qualifying veterans or service members of the U.S. armed forces, or their spouses. This type of loan is a great option for veterans and their spouses, especially if they don’t have the best credit and don’t have enough for a down payment. VA loans are fixed-rate mortgages with 10-, 15-, 20- or 30-year terms. Most VA loans don’t require a down payment or monthly mortgage insurance premiums. However, they do require a one-time VA funding fee, that ranges from 1.4% to 3.6% of the loan amount. USDA loan Minimum credit score: N/A The U.S. Department of Agriculture guarantees loans for borrowers interested in buying homes in certain rural areas. USDA loans don’t require a minimum down payment, but you have to meet the USDA’s income eligibility limits, which vary by location. All USDA mortgages have fixed interest rates and 30-year repayment terms. USDA-approved lenders must pay an up-front guarantee fee of up to 3.5% of the purchase price to the USDA. That fee can be passed on to borrowers and financed into the home loan. If the home you want to buy is within an eligible rural area (defined by the USDA) and you meet the other requirements, this could be a great loan option for you. What else do mortgage lenders consider? Your credit score isn’t the only factor lenders consider when reviewing your loan application. Here are some of the other factors lenders use when deciding whether to give you a mortgage. Debt-to-income ratio — Your debt-to-income (DTI) ratio is the amount of debt payments you make each month (including your mortgage payments) relative to your gross monthly income. For example, if your mortgage payments, car loan and credit card payments add up to $1,800 per month and you have a $6,000 monthly income, your debt-to-income ratio would be $1,800/$6,000, or 30%. Most conventional mortgages require a DTI ratio no greater than 36%. However, you may be approved with a DTI up to 45% if you meet other requirements. Employment history — When you apply for a mortgage, lenders will ask for proof of employment — typically two years’ worth of W-2s and tax returns, as well as your two most recent pay stubs. Lenders prefer to work with people who have stable employment and consistent income. Down payment — Putting money down to buy a home gives you immediate equity in the home and helps to ensure the lender recoups their loss if you stop making payments and they need to foreclose on the home. Most loans — other than VA and USDA loans — require a down payment of at least 3%, although a higher down payment could help you qualify for a lower interest rate or make up for other less-than-ideal aspects of your mortgage application. The home’s value and condition — Lenders want to ensure the home collateralizing the loan is in good condition and worth what you’re paying for it. Typically, they’ll require an appraisal to determine the home’s value and may also require a home inspection to ensure there aren’t any unknown issues with the property. How is your credit score calculated? Most talk of credit scores makes it sound as if you have only one score. In fact, you have several credit scores, and they may be used by different lenders and for different purposes. The three national credit bureaus — Experian, Equifax and TransUnion — collect information from banks, credit unions, lenders and public records to formulate your credit score. The most common and well-known scoring model is the FICO Score, which is based on the following five factors: Payment history (35%) — A history of late payments will drag your score down, as will negative information from bankruptcies, foreclosures, repossessions or accounts referred to collections. How much you owe (30%) — Your credit utilization ratio is the amount of revolving credit you’re using compared to your total available credit. For example, if you have one credit card with a $2,000 balance and a $4,000 credit limit, your credit utilization ratio is 50%. Credit scoring models view using a larger percentage of your available credit as risky behavior, so high balances and maxed-out credit cards will negatively impact your score. Length of credit history (15%) — This factor considers the age of your oldest account, newest account and the average age of all your credit accounts. In general, the longer you’ve been using credit responsibly, the higher your score will be. Types of accounts (10%) — Credit scoring models favor people who use a mix of credit cards, installment loans, mortgages and other types of credit. Recent credit history (10%) — Lenders view applying for and opening several new credit accounts within a short period as a sign of financial trouble and it’ll negatively impact your score. Ready to shop around for a mortgage? Joel Lobb Mortgage Loan Officer Individual NMLS ID #57916 American Mortgage Solutions, Inc. 10602 Timberwood Circle Louisville, KY 40223 Company NMLS ID #1364 Text/call: 502-905-3708 email: kentuckyloan@gmail.com https://kentuckyloan.blogspot.com/ Email This BlogThis! Share to Twitter Share to Facebook Share to Pinterest Labels: credit, Credit Score, Debt to Income Ratio, FHA Guidelines, FHA Kentucky Home Loans, Fico Score, Kentucky VA Loans, USDA loans Joel Lobb, Mortgage Broker FHA, VA, KHC, 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." /></a></div><br /><div class="post-footer" style="background-color: #fefdfa; color: #333333; font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif; font-size: 13px; line-height: 1.6; margin: 1.5em 0px 0px;"><div class="post-footer-line post-footer-line-1"><span class="post-author vcard" style="margin-left: 0px; margin-right: 1em;"></span><span class="post-timestamp" style="margin-left: -1em; margin-right: 1em;"></span><span class="post-comment-link" style="margin-right: 1em;"></span><span class="post-icons" style="margin-right: 1em;"><span class="item-action"><a href="https://www.blogger.com/email-post.g?blogID=2083715272801756161&postID=7761315888813953305" style="color: black; text-decoration-line: none;" title="Email Post"><img alt="" class="icon-action" height="13" src="https://resources.blogblog.com/img/icon18_email.gif" style="border-color: initial; border-image: initial; border-style: none !important; border-width: initial; margin: 0px 0px 0px 0.5em !important; position: relative; vertical-align: middle;" width="18" /> </a></span></span><div class="post-share-buttons goog-inline-block" style="display: inline-block; margin-right: 0px; margin-top: 0.5em; position: relative; vertical-align: middle;"><a class="goog-inline-block share-button sb-email" href="https://www.blogger.com/share-post.g?blogID=2083715272801756161&postID=7761315888813953305&target=email" style="background: url("/img/share_buttons_20_3.png") 0px 0px no-repeat !important; color: black; display: inline-block; height: 20px; margin-left: -1px; overflow: hidden; position: relative; text-decoration-line: none; width: 20px;" target="_blank" title="Email This"><span class="share-button-link-text" style="display: block; text-indent: -9999px;">Email This</span></a><a class="goog-inline-block share-button sb-blog" href="https://www.blogger.com/share-post.g?blogID=2083715272801756161&postID=7761315888813953305&target=blog" style="background: url("/img/share_buttons_20_3.png") -20px 0px no-repeat !important; color: black; display: inline-block; height: 20px; margin-left: -1px; overflow: hidden; position: relative; text-decoration-line: none; width: 20px;" target="_blank" title="BlogThis!"><span class="share-button-link-text" style="display: block; text-indent: -9999px;">BlogThis!</span></a><a class="goog-inline-block share-button sb-twitter" href="https://www.blogger.com/share-post.g?blogID=2083715272801756161&postID=7761315888813953305&target=twitter" style="background: url("/img/share_buttons_20_3.png") -40px 0px no-repeat !important; color: black; display: inline-block; height: 20px; margin-left: -1px; overflow: hidden; position: relative; text-decoration-line: none; width: 20px;" target="_blank" title="Share to Twitter"><span class="share-button-link-text" style="display: block; text-indent: -9999px;">Share to Twitter</span></a><a class="goog-inline-block share-button sb-facebook" href="https://www.blogger.com/share-post.g?blogID=2083715272801756161&postID=7761315888813953305&target=facebook" style="background: url("/img/share_buttons_20_3.png") -60px 0px no-repeat !important; color: black; display: inline-block; height: 20px; margin-left: -1px; overflow: hidden; position: relative; text-decoration-line: none; width: 20px;" target="_blank" title="Share to Facebook"><span class="share-button-link-text" style="display: block; text-indent: -9999px;">Share to Facebook</span></a><a class="goog-inline-block share-button sb-pinterest" href="https://www.blogger.com/share-post.g?blogID=2083715272801756161&postID=7761315888813953305&target=pinterest" style="background: url("/img/share_buttons_20_3.png") -100px 0px no-repeat !important; color: black; display: inline-block; height: 20px; margin-left: -1px; overflow: hidden; position: relative; text-decoration-line: none; width: 20px;" target="_blank" title="Share to Pinterest"><span class="share-button-link-text" style="display: block; text-indent: -9999px;">Share to Pinterest</span></a></div></div><div class="post-footer-line post-footer-line-2"><span class="post-labels" style="margin-left: 0px; margin-right: 0px;">Labels: <a href="https://www.mylouisvillekentuckymortgage.com/search/label/credit" rel="tag" style="color: black; text-decoration-line: none;">credit</a>, <a href="https://www.mylouisvillekentuckymortgage.com/search/label/Credit%20Score" rel="tag" style="color: black; text-decoration-line: none;">Credit Score</a>, <a href="https://www.mylouisvillekentuckymortgage.com/search/label/Debt%20to%20Income%20Ratio" rel="tag" style="color: black; text-decoration-line: none;">Debt to Income Ratio</a>, <a href="https://www.mylouisvillekentuckymortgage.com/search/label/FHA%20Guidelines" rel="tag" style="color: black; text-decoration-line: none;">FHA Guidelines</a>, <a href="https://www.mylouisvillekentuckymortgage.com/search/label/FHA%20Kentucky%20Home%20Loans" rel="tag" style="color: black; text-decoration-line: none;">FHA Kentucky Home Loans</a>, <a href="https://www.mylouisvillekentuckymortgage.com/search/label/Fico%20Score" rel="tag" style="color: black; text-decoration-line: none;">Fico Score</a>, <a href="https://www.mylouisvillekentuckymortgage.com/search/label/Kentucky%20VA%20Loans" rel="tag" style="color: black; text-decoration-line: none;">Kentucky VA Loans</a>, <a href="https://www.mylouisvillekentuckymortgage.com/search/label/USDA%20loans" rel="tag" style="color: black; text-decoration-line: none;">USDA loans</a></span></div><div class="post-footer-line post-footer-line-3"><span class="post-location" style="margin-left: 0px; margin-right: 0px;"></span></div><div class="author-profile" itemprop="author" itemscope="itemscope" itemtype="http://schema.org/Person" style="margin: 5px 5px 0px 0px; overflow: hidden;"><img itemprop="image" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi_KANOsvWnE_Ahhu8GrkPMTBkgtD_vuwLoePRBNtw7kMJQcjharuqey8eVnxw95waBWnKchYT_6X46Rnvka8S0m2dLbe84FVJCCdEqjPeEdnYTaXxVcqWx72h3GSkmqw/s113/yz0telhnami60j51263n_400x400.jpeg" style="border: 1px solid rgb(239, 239, 239); float: left; margin-right: 5px;" width="50px" /><div><a class="g-profile" href="https://www.mylouisvillekentuckymortgage.com/2022/03/how-to-qualify-for-kentucky-fha-va-usda.html" itemprop="url" rel="author" style="color: black; text-decoration-line: none;" title="author profile">Joel Lobb, Mortgage Broker FHA, VA, KHC, USDA</a></div><span itemprop="description">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.</span></div></div></div>Joel Lobb, Mortgage Broker FHA, VA, KHC, USDAhttp://www.blogger.com/profile/14742291613632757087noreply@blogger.comtag:blogger.com,1999:blog-2083715272801756161.post-44884987333474312202024-02-20T09:34:00.005-05:002024-02-20T09:38:49.535-05:00Kentucky Welcome Home Grant of $20,000 for Kentucky Home Buyers in 2024 <h1 style="background-color: white; color: #1f1f1f; font-family: "Google Sans", "Helvetica Neue", sans-serif; font-size: 1rem; line-height: 1.5rem; margin: 0px 0px 1rem; text-align: left;"> <br /> A Comprehensive Guide to the Kentucky Welcome Home Grant</h1><span face=""Google Sans", "Helvetica Neue", sans-serif" style="background-color: white; color: #1f1f1f; font-size: 16px;"></span><p data-sourcepos="3:1-3:374" style="background-color: white; margin: 1rem 0px; word-break: break-word;"><span face="Google Sans, Helvetica Neue, sans-serif" style="color: #1f1f1f;"><span style="white-space-collapse: preserve;">For many Kentuckians, the dream of homeownership can feel out of reach due to financial constraints. But thanks to the <a href="https://www.mylouisvillekentuckymortgage.com/2024/02/kentuckys-welcome-home-grant-20000.html">Kentucky Welcome Home Grant of $20,000 for Kentucky Home Buyers</a> in 2024 </span></span><span face="Google Sans, Helvetica Neue, sans-serif" style="color: #1f1f1f;"><span style="white-space-collapse: preserve;">that dream might be closer than you think. This grant program, administered by the Federal Home Loan Bank of Cincinnati (FHLBC), offers down payment and closing cost assistance to eligible homebuyers throughout the state.</span></span></p><span face=""Google Sans", "Helvetica Neue", sans-serif" style="background-color: white; color: #1f1f1f; font-size: 16px;"></span><p data-sourcepos="5:1-5:324" style="background-color: white; color: #1f1f1f; font-family: "Google Sans", "Helvetica Neue", sans-serif; font-size: 16px; margin: 1rem 0px; white-space-collapse: preserve; word-break: break-word;">Whether you're a first-time homeowner or looking to upgrade your living space, understanding the <span style="font-weight: 700;">qualifying guidelines</span> is crucial for securing this valuable assistance. Buckle up, folks, as we delve into the details of the Welcome Home Grant and equip you with the knowledge to unlock your Kentucky homeownership dreams!</p><span face=""Google Sans", "Helvetica Neue", sans-serif" style="background-color: white; color: #1f1f1f; font-size: 16px;"></span><h3 style="background-color: white; color: #1f1f1f; font-family: "Google Sans", "Helvetica Neue", sans-serif; font-size: 16px; margin: 1rem 0px; text-align: left; white-space-collapse: preserve; word-break: break-word;"><span style="font-weight: 700;">Eligibility: The First Step on Your Journey</span></h3><span face=""Google Sans", "Helvetica Neue", sans-serif" style="background-color: white; color: #1f1f1f; font-size: 16px;"></span><p data-sourcepos="9:1-9:155" style="background-color: white; color: #1f1f1f; font-family: "Google Sans", "Helvetica Neue", sans-serif; font-size: 16px; margin: 1rem 0px; white-space-collapse: preserve; word-break: break-word;">Before diving into the specific details, let's address the first and most important question: <span style="font-weight: 700;">are you eligible?</span> Here's a breakdown of the key criteria:</p><span face=""Google Sans", "Helvetica Neue", sans-serif" style="background-color: white; color: #1f1f1f; font-size: 16px;"></span><p data-sourcepos="11:1-11:323" style="background-color: white; color: #1f1f1f; font-family: "Google Sans", "Helvetica Neue", sans-serif; font-size: 16px; margin: 1rem 0px; white-space-collapse: preserve; word-break: break-word;"><span style="font-weight: 700;">Income:</span> Your total household income must fall <span style="font-weight: 700;">at or below 80% of the Mortgage Revenue Bond (MRB) limit</span> for your specific county. These limits vary depending on location, so <span style="font-weight: 700;">be sure to check the current limits</span> here at this link below for your desired area. </p><p data-sourcepos="11:1-11:323" style="background-color: white; color: #1f1f1f; font-family: "Google Sans", "Helvetica Neue", sans-serif; font-size: 16px; margin: 1rem 0px; white-space-collapse: preserve; word-break: break-word;">👇</p><p data-sourcepos="11:1-11:323" style="background-color: white; margin: 1rem 0px; word-break: break-word;"><span face="Google Sans, Helvetica Neue, sans-serif" style="color: #1f1f1f;"><span style="white-space-collapse: preserve;"><a href="https://kentuckymortgage.wordpress.com/tag/kentucky-welcome-home-grant/">https://kentuckymortgage.wordpress.com/tag/kentucky-welcome-home-grant/</a></span></span></p><span face=""Google Sans", "Helvetica Neue", sans-serif" style="background-color: white; color: #1f1f1f; font-size: 16px;"></span><p data-sourcepos="13:1-13:289" style="background-color: white; color: #1f1f1f; font-family: "Google Sans", "Helvetica Neue", sans-serif; font-size: 16px; margin: 1rem 0px; white-space-collapse: preserve; word-break: break-word;"><span style="font-weight: 700;">Property:</span> The grant applies to <span style="font-weight: 700;">primary residences only</span>, including single-family homes, townhomes, condominiums, and qualified manufactured homes. The property must be located within <span style="font-weight: 700;"><a href="https://kentuckymortgage.wordpress.com/tag/kentucky-welcome-home-grant/">eligible Kentucky counties</a></span>. You can find a list of participating counties on the FHLBC website.</p><span face=""Google Sans", "Helvetica Neue", sans-serif" style="background-color: white; color: #1f1f1f; font-size: 16px;"></span><p data-sourcepos="15:1-15:131" style="background-color: white; color: #1f1f1f; font-family: "Google Sans", "Helvetica Neue", sans-serif; font-size: 16px; margin: 1rem 0px; white-space-collapse: preserve; word-break: break-word;"><span style="font-weight: 700;">Purchase Contract:</span> You must have a <span style="font-weight: 700;">fully executed purchase contract</span> for an eligible property before applying for the grant.</p><span face=""Google Sans", "Helvetica Neue", sans-serif" style="background-color: white; color: #1f1f1f; font-size: 16px;"></span><p data-sourcepos="17:1-17:130" style="background-color: white; color: #1f1f1f; font-family: "Google Sans", "Helvetica Neue", sans-serif; font-size: 16px; margin: 1rem 0px; white-space-collapse: preserve; word-break: break-word;"><span style="font-weight: 700;">Financial Contribution:</span> You must contribute <span style="font-weight: 700;">at least $500 of your own funds</span> towards the down payment and/or closing costs.</p><span face=""Google Sans", "Helvetica Neue", sans-serif" style="background-color: white; color: #1f1f1f; font-size: 16px;"></span><p data-sourcepos="19:1-19:127" style="background-color: white; color: #1f1f1f; font-family: "Google Sans", "Helvetica Neue", sans-serif; font-size: 16px; margin: 1rem 0px; white-space-collapse: preserve; word-break: break-word;"><span style="font-weight: 700;">Additional Considerations:</span> While not mandatory, completing a <span style="font-weight: 700;">homebuyer education course</span> can strengthen your application. Moreover, <span style="font-weight: 700;">veterans and active-duty military personnel</span> may be eligible for higher grant amounts.</p><span face=""Google Sans", "Helvetica Neue", sans-serif" style="background-color: white; color: #1f1f1f; font-size: 16px;"></span><p data-sourcepos="21:1-21:44" style="background-color: white; color: #1f1f1f; font-family: "Google Sans", "Helvetica Neue", sans-serif; font-size: 16px; margin: 1rem 0px; white-space-collapse: preserve; word-break: break-word;"><span style="font-weight: 700;">Diving Deeper: Grant Details and Amounts</span></p><span face=""Google Sans", "Helvetica Neue", sans-serif" style="background-color: white; color: #1f1f1f; font-size: 16px;"></span><p data-sourcepos="23:1-23:148" style="background-color: white; color: #1f1f1f; font-family: "Google Sans", "Helvetica Neue", sans-serif; font-size: 16px; margin: 1rem 0px; white-space-collapse: preserve; word-break: break-word;">The Welcome Home Grant offers assistance in the form of a <span style="font-weight: 700;">non-repayable grant</span>. The <span style="font-weight: 700;">maximum grant amount</span> varies depending on several factors:</p><span face=""Google Sans", "Helvetica Neue", sans-serif" style="background-color: white; color: #1f1f1f; font-size: 16px;"></span><ul data-sourcepos="25:1-27:0" style="background-color: white; color: #1f1f1f; font-family: "Google Sans", "Helvetica Neue", sans-serif; font-size: 16px; margin: 4px 0px; padding-inline-start: 1.125rem;"><li data-sourcepos="25:1-25:174" style="margin-bottom: 0px;"><span style="font-weight: 700;">Your military status:</span> Veterans and active-duty military personnel are eligible for <span style="font-weight: 700;">up to $25,000</span>, while all other eligible homebuyers can receive <span style="font-weight: 700;">up to $20,000</span>.</li><li data-sourcepos="26:1-27:0" style="margin-bottom: 0px;"><span style="font-weight: 700;">Your down payment:</span> If you contribute more than the required $500 towards your down payment, the <span style="font-weight: 700;">grant amount may be reduced</span> to fit within the total program funding available.</li></ul><span face=""Google Sans", "Helvetica Neue", sans-serif" style="background-color: white; color: #1f1f1f; font-size: 16px;"></span><p data-sourcepos="28:1-28:160" style="background-color: white; color: #1f1f1f; font-family: "Google Sans", "Helvetica Neue", sans-serif; font-size: 16px; margin: 1rem 0px; white-space-collapse: preserve; word-break: break-word;"><span style="font-weight: 700;">Remember:</span> The grant funds <span style="font-weight: 700;">cannot be used towards the property purchase price itself</span>. They are strictly for <span style="font-weight: 700;">down payment and closing cost assistance</span>.</p><span face=""Google Sans", "Helvetica Neue", sans-serif" style="background-color: white; color: #1f1f1f; font-size: 16px;"></span><h3 style="background-color: white; color: #1f1f1f; font-family: "Google Sans", "Helvetica Neue", sans-serif; font-size: 16px; margin: 1rem 0px; text-align: left; white-space-collapse: preserve; word-break: break-word;"><span style="font-weight: 700;">Finding Your Path: The Application Process</span></h3><span face=""Google Sans", "Helvetica Neue", sans-serif" style="background-color: white; color: #1f1f1f; font-size: 16px;"></span><p data-sourcepos="32:1-32:98" style="background-color: white; color: #1f1f1f; font-family: "Google Sans", "Helvetica Neue", sans-serif; font-size: 16px; margin: 1rem 0px; white-space-collapse: preserve; word-break: break-word;">Now that you understand the eligibility and grant details, let's navigate the application process:</p><span face=""Google Sans", "Helvetica Neue", sans-serif" style="background-color: white; color: #1f1f1f; font-size: 16px;"></span><ol data-sourcepos="34:1-39:0" style="background-color: white; color: #1f1f1f; font-family: "Google Sans", "Helvetica Neue", sans-serif; font-size: 16px; margin: 4px 0px; padding-inline-start: 1.75rem;"><li data-sourcepos="34:1-34:307" style="margin-bottom: 0px;"><span style="font-weight: 700;">Connect with a participating lender:</span> The Welcome Home Grant program operates through <span style="font-weight: 700;">partnering lenders</span>, so start by searching for a lender in your area that participates in the program. You can find a list of participating lenders on the FHLBC website or by contacting the organization directly.</li><li data-sourcepos="35:1-35:150" style="margin-bottom: 0px;"><span style="font-weight: 700;">Pre-qualify for a mortgage:</span> This shows both you and the lender a realistic picture of your borrowing capacity and strengthens your application.</li><li data-sourcepos="36:1-36:150" style="margin-bottom: 0px;"><span style="font-weight: 700;">Gather your documents:</span> Be prepared to provide proof of income, employment, assets, and other required documentation as outlined by your lender.</li><li data-sourcepos="37:1-37:154" style="margin-bottom: 0px;"><span style="font-weight: 700;">Complete the grant application:</span> Your chosen lender will walk you through the grant application process and help you submit the necessary paperwork.</li><li data-sourcepos="38:1-39:0" style="margin-bottom: 0px;"><span style="font-weight: 700;">Await a decision:</span> The processing time can vary, but you'll typically receive a decision within a few weeks.</li></ol><span face=""Google Sans", "Helvetica Neue", sans-serif" style="background-color: white; color: #1f1f1f; font-size: 16px;"></span><h3 style="background-color: white; color: #1f1f1f; font-family: "Google Sans", "Helvetica Neue", sans-serif; font-size: 16px; margin: 1rem 0px; text-align: left; white-space-collapse: preserve; word-break: break-word;"><span style="font-weight: 700;">Beyond the Guidelines: Valuable Resources and Tips</span></h3><span face=""Google Sans", "Helvetica Neue", sans-serif" style="background-color: white; color: #1f1f1f; font-size: 16px;"></span><p data-sourcepos="42:1-42:159" style="background-color: white; color: #1f1f1f; font-family: "Google Sans", "Helvetica Neue", sans-serif; font-size: 16px; margin: 1rem 0px; white-space-collapse: preserve; word-break: break-word;">Remember, <span style="font-weight: 700;">knowledge is power!</span> Equip yourself with as much information as possible to ensure a smooth application process. Here are some valuable resources:</p><span face=""Google Sans", "Helvetica Neue", sans-serif" style="background-color: white; color: #1f1f1f; font-size: 16px;"></span><ul data-sourcepos="44:1-47:0" style="background-color: white; margin: 4px 0px; padding-inline-start: 1.125rem;"><li data-sourcepos="44:1-44:63" style="margin-bottom: 0px;"><span face=""Google Sans", "Helvetica Neue", sans-serif" style="color: #1f1f1f; font-size: 16px; font-weight: 700;">Kentucky Welcome Home Grant More info here -👇</span></li><li data-sourcepos="44:1-44:63" style="margin-bottom: 0px;"><span face=""Google Sans", "Helvetica Neue", sans-serif" style="color: #1f1f1f; font-size: 16px; font-weight: 700;">👇</span></li><li data-sourcepos="44:1-44:63" style="margin-bottom: 0px;"><span face=""Google Sans", "Helvetica Neue", sans-serif" style="color: #1f1f1f; font-size: 16px; font-weight: 700;">>></span><span face="Google Sans, Helvetica Neue, sans-serif" style="color: #1f1f1f;"><b><a href="https://kyfirsttimehomebuyer.wordpress.com/2024/01/20/kentucky-welcome-home-grant-5000-00/">https://kyfirsttimehomebuyer.wordpress.com/2024/01/20/kentucky-welcome-home-grant-5000-00/</a></b></span></li><li data-sourcepos="45:1-45:94" style="color: #1f1f1f; font-family: "Google Sans", "Helvetica Neue", sans-serif; font-size: 16px; margin-bottom: 0px;"><br /></li><li data-sourcepos="46:1-47:0" style="color: #1f1f1f; font-family: "Google Sans", "Helvetica Neue", sans-serif; font-size: 16px; margin-bottom: 0px;"><span style="font-weight: 700;">Your chosen participating lender:</span> Their expertise can be invaluable in navigating the application process and maximizing your chances of success.</li></ul><span face=""Google Sans", "Helvetica Neue", sans-serif" style="background-color: white; color: #1f1f1f; font-size: 16px;"></span><p data-sourcepos="48:1-48:176" style="background-color: white; color: #1f1f1f; font-family: "Google Sans", "Helvetica Neue", sans-serif; font-size: 16px; margin: 1rem 0px; white-space-collapse: preserve; word-break: break-word;"><span style="font-weight: 700;">Pro-Tip:</span> Start planning early! Research potential properties, understand the market in your desired area, and get your finances in order well before applying for the grant.</p><span face=""Google Sans", "Helvetica Neue", sans-serif" style="background-color: white; color: #1f1f1f; font-size: 16px;"></span><p data-sourcepos="50:1-50:216" style="background-color: white; color: #1f1f1f; font-family: "Google Sans", "Helvetica Neue", sans-serif; font-size: 16px; margin: 1rem 0px; white-space-collapse: preserve; word-break: break-word;"><span style="font-weight: 700;">Remember:</span> Homeownership is a significant investment, so proceed with careful planning and consideration. Utilize the available resources, ask questions, and don't hesitate to seek professional guidance if needed.</p><p data-sourcepos="50:1-50:216" style="background-color: white; color: #1f1f1f; font-family: "Google Sans", "Helvetica Neue", sans-serif; font-size: 16px; margin: 1rem 0px; white-space-collapse: preserve; word-break: break-word;"><br /></p><p data-sourcepos="16:1-16:32" style="background-color: white; color: #1f1f1f; font-family: "Google Sans", "Helvetica Neue", sans-serif; font-size: 16px; margin: 1rem 0px; scrollbar-color: rgb(218, 220, 224) transparent; white-space-collapse: preserve; word-break: break-word;"><span style="font-weight: 700; scrollbar-color: rgb(218, 220, 224) transparent;">Important Dates to Remember:</span></p><p data-sourcepos="16:1-16:32" style="background-color: white; color: #1f1f1f; font-family: "Google Sans", "Helvetica Neue", sans-serif; font-size: 16px; margin: 1rem 0px; scrollbar-color: rgb(218, 220, 224) transparent; white-space-collapse: preserve; word-break: break-word;"><span style="font-weight: 700; scrollbar-color: rgb(218, 220, 224) transparent;"><br /></span></p><ul data-sourcepos="18:1-21:0" style="background-color: white; color: #1f1f1f; font-family: "Google Sans", "Helvetica Neue", sans-serif; font-size: 16px; line-height: 1.4; list-style-image: initial; list-style-position: initial; margin: 4px 0px; padding-inline-start: 1.125rem; padding: 0px 2.5em; scrollbar-color: rgb(218, 220, 224) transparent;"><li data-sourcepos="18:1-18:122" style="border: none; color: #333333; margin: 0px; padding: 0.25em 0px; scrollbar-color: rgb(218, 220, 224) transparent;"><span style="font-weight: 700; scrollbar-color: rgb(218, 220, 224) transparent;">Application Period:</span> Reservations for the 2024 Welcome Home Grant program open on <span style="font-weight: 700; scrollbar-color: rgb(218, 220, 224) transparent;">March 1st, 2024, at 8:00 AM ET</span>.</li><li data-sourcepos="19:1-19:95" style="border: none; color: #333333; margin: 0px; padding: 0.25em 0px; scrollbar-color: rgb(218, 220, 224) transparent;"><span style="font-weight: 700; scrollbar-color: rgb(218, 220, 224) transparent;">Funding Availability:</span> Grants are limited and awarded on a first-come, first-served basis.</li><li data-sourcepos="20:1-21:0" style="border: none; color: #333333; margin: 0px; padding: 0.25em 0px; scrollbar-color: rgb(218, 220, 224) transparent;"><span style="font-weight: 700; scrollbar-color: rgb(218, 220, 224) transparent;">Program Duration:</span> The program runs until all funds are reserved.</li><li data-sourcepos="20:1-21:0" style="border: none; color: #333333; margin: 0px; padding: 0.25em 0px; scrollbar-color: rgb(218, 220, 224) transparent;"><b>Must have contract</b> under agreement to submit for funds. </li></ul><span face=""Google Sans", "Helvetica Neue", sans-serif" style="background-color: white; color: #1f1f1f; font-size: 16px;"></span><div class="separator" style="clear: both; text-align: center;"><br /></div><p data-sourcepos="54:1-54:168" style="background-color: white; margin: 1rem 0px; word-break: break-word;"><span face="Google Sans, Helvetica Neue, sans-serif" style="color: #1f1f1f;"><br /></span></p><h1 style="background-color: #fefdfa; color: #222222; font-family: Roboto, RobotoDraft, Helvetica, Arial, sans-serif; margin: 0px; position: relative;"><strong style="font-size: small;">Joel Lobb </strong><strong style="font-size: small;">Mortgage Loan Officer</strong></h1><p data-sourcepos="54:1-54:168" style="background-color: white; margin: 1rem 0px; word-break: break-word;"><strong style="background-color: #fefdfa; color: #222222; font-family: Roboto, RobotoDraft, Helvetica, Arial, sans-serif; font-size: 12.8px;">American Mortgage Solutions, Inc.</strong><br style="background-color: #fefdfa; color: #222222; font-family: Roboto, RobotoDraft, Helvetica, Arial, sans-serif; font-size: 12.8px;" /><strong style="background-color: #fefdfa; color: #222222; font-family: Roboto, RobotoDraft, Helvetica, Arial, sans-serif; font-size: 12.8px;">10602 Timberwood Circle</strong><br style="background-color: #fefdfa; color: #222222; font-family: Roboto, RobotoDraft, Helvetica, Arial, sans-serif; font-size: 12.8px;" /><strong style="background-color: #fefdfa; color: #222222; font-family: Roboto, RobotoDraft, Helvetica, Arial, sans-serif; font-size: 12.8px;">Louisville, KY 40223</strong><br style="background-color: #fefdfa; color: #222222; font-family: Roboto, RobotoDraft, Helvetica, Arial, sans-serif; font-size: 12.8px;" /><strong style="background-color: #fefdfa; color: #222222; font-family: Roboto, RobotoDraft, Helvetica, Arial, sans-serif; font-size: 12.8px;">Company NMLS ID #1364</strong><br style="background-color: #fefdfa; color: #222222; font-family: Roboto, RobotoDraft, Helvetica, Arial, sans-serif; font-size: 12.8px;" /><br style="background-color: #fefdfa; color: #222222; font-family: Roboto, RobotoDraft, Helvetica, Arial, sans-serif; font-size: 12.8px;" /><span face="Roboto, RobotoDraft, Helvetica, Arial, sans-serif" style="background-color: #fefdfa; color: red; font-size: 12.8px;"><strong>Text/call: 502-905-3708</strong><br /><strong>fax: 502-327-9119<br />email:</strong></span><strong style="background-color: #fefdfa; color: #222222; font-family: Roboto, RobotoDraft, Helvetica, Arial, sans-serif; font-size: 12.8px;"><span style="color: red;"> <a href="mailto:joel@loansolutionsnow.com" style="color: black; text-decoration-line: none;" target="_blank">joel@loansolutionsnow.com</a></span></strong><br style="background-color: #fefdfa; color: #222222; font-family: Roboto, RobotoDraft, Helvetica, Arial, sans-serif; font-size: 12.8px;" /></p><p style="background-color: #fefdfa; color: #222222; font-family: Roboto, RobotoDraft, Helvetica, Arial, sans-serif; font-size: 12.8px;"><strong><a href="https://u6837958.ct.sendgrid.net/ls/click?upn=yDl4ONl2FnWoxI2oUNFFdRLTTAUR6y90NKFY4MVDgLrvgV5JMFyv678UBGQn5ITz-2F9bBlLpKi1T8g4odG86bqA-3D-3D4dbF_1UNj7hvg7uUE8G5zDMsBgP0qkAFLLWYc62YOGAQ6BSEELGOxNkZE13wbiOroZAYR0-2FUM4CYCCXkRTkFayVZSfjJ5dPRpECoVgXmtswvjQYMs3nyfHkCAWNreolgwA9vpSrTKFvOpkb1Zo4WNFjjBzgblYoXbwHuJHSL0qfi7a3IcVIRp9IA17ZuZtCdnOLKVctzNhv5qM8dw0siqXVRKhUcHKbT2aSp-2FdibS3FZokq3haw5OCmFZPSo5GwU0QJd9QfE-2FjbZ6cC9waLaLOqLjLHNvvS6K5VgF5qw5UD9HtcmUMZGrnEfRViPpToLA7aNgoH4obFiHJV-2FNKDKYvnN3ExcA2OXosEMlF69ic5bGmNCW6EM2XWsTL-2FNHuYV8vPC9cDr9Ju4mZV8Dk4QjPeXmHxmFa0Bzfn8tkSylyZY-2FUoQ8IuS-2B51ApxVtwC0M6wEyzPLRySS9CkBsJ2or6yCT3uppB8UHa8Pz-2Brv8QlzKhM8g-3D" style="color: #1155cc; text-decoration-line: none;" target="_blank"><span style="color: red;">http://www.mylouisvillekentuckymortgage.com/</span></a></strong></p><p style="background-color: #fefdfa; color: #222222; font-family: Roboto, RobotoDraft, Helvetica, Arial, sans-serif; font-size: 12.8px;"></p><p style="background-color: #fefdfa; color: #222222; font-family: Roboto, RobotoDraft, Helvetica, Arial, sans-serif; font-size: 12.8px;"><br /></p><p style="background-color: #fefdfa; color: #222222; font-family: Roboto, RobotoDraft, Helvetica, Arial, sans-serif; font-size: 12.8px;"><img src="https://blogger.googleusercontent.com/img/proxy/AVvXsEhfUflvoHihINKK7IdLzXCBSKjw9Xk2HtGndRjqQ2jUXT9q8WU7UeThhnlI2a3igD4YlUgOv6WNUl40xtECjKrG-7J9lTKD6f5D-PqaM68YYkYY91eDfIEdwmLxhpdalB7E9oRMOmubtVbv6_JtSluDZPKa7NsaVSgJgmD1qHeXQ1Ck8isY1aEDdiBuS-eSgpNn7LbVM1H8TphFS1upzJmr_VOKGhuGoCk=s0-d-e1-ft" style="background: rgb(255, 255, 255); border-radius: 5px; border: 1px solid rgb(0, 0, 0); box-shadow: rgba(0, 0, 0, 0.2) 0px 0px 20px; padding: 8px;" /></p><p style="background-color: #fefdfa; color: #222222; font-family: Roboto, RobotoDraft, Helvetica, Arial, sans-serif; font-size: 12.8px;"></p><div dir="ltr" style="background-color: #fefdfa; color: #222222; font-family: Roboto, RobotoDraft, Helvetica, Arial, sans-serif; font-size: 12.8px;"><br /></div><div dir="ltr" style="background-color: #fefdfa; color: #222222; font-family: Roboto, RobotoDraft, Helvetica, Arial, sans-serif; font-size: 12.8px;"><span color="rgba(0,0,0,0.9)" face="-apple-system,system-ui,BlinkMacSystemFont,"Segoe UI",Roboto,"Helvetica Neue","Fira Sans",Ubuntu,Oxygen,"Oxygen Sans",Cantarell,"Droid Sans","Apple Color Emoji","Segoe UI Emoji","Segoe UI Emoji","Segoe UI Symbol","Lucida Grande",Helvetica,Arial,sans-serif" style="font-size: 14px;">NMLS 57916 | Company NMLS #1364/MB73346135166/MBR1574</span><br style="color: rgba(0, 0, 0, 0.9); font-family: -apple-system, system-ui, BlinkMacSystemFont, "Segoe UI", Roboto, "Helvetica Neue", "Fira Sans", Ubuntu, Oxygen, "Oxygen Sans", Cantarell, "Droid Sans", "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Lucida Grande", Helvetica, Arial, sans-serif; font-size: 14px; line-height: inherit;" /><a href="https://americanmtgsolutions.shapeportal.com/ref/19" style="color: black; text-decoration-line: none;" target="_blank">Get Approved Now Click Here</a></div><div dir="ltr" style="background-color: #fefdfa; color: #222222; font-family: Roboto, RobotoDraft, Helvetica, Arial, sans-serif; font-size: 12.8px;"><br /></div><p data-sourcepos="54:1-54:168" style="background-color: white; margin: 1rem 0px; word-break: break-word;"><span face="Roboto, RobotoDraft, Helvetica, Arial, sans-serif" style="background-color: #fefdfa; color: #222222; font-size: 12.8px;">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</span><a href="https://u6837958.ct.sendgrid.net/ls/click?upn=QeGBzuH2Omh4G8v1pXHrQS1g6H2Ok594vLcQnW1lyknbckT67tKaQxT6SPyLpSBloqscNlovnnm3AOysbnWTaj-2BEa-2Bi44k0mS6qPov-2FyXrtlMMntK0Trk1bXKiEA8kCu-2FnQDsNqk1wqPGQQZERhBwZ-2BBdcOoZEDZJGo0DHn7sYU-3DF83G_1UNj7hvg7uUE8G5zDMsBgP0qkAFLLWYc62YOGAQ6BSEELGOxNkZE13wbiOroZAYR0-2FUM4CYCCXkRTkFayVZSfjJ5dPRpECoVgXmtswvjQYMs3nyfHkCAWNreolgwA9vpSrTKFvOpkb1Zo4WNFjjBzgblYoXbwHuJHSL0qfi7a3IcVIRp9IA17ZuZtCdnOLKVctzNhv5qM8dw0siqXVRKhUcHKbT2aSp-2FdibS3FZokq3haw5OCmFZPSo5GwU0QJd9QfE-2FjbZ6cC9waLaLOqLjLHNvvS6K5VgF5qw5UD9HtcmUMZGrnEfRViPpToLA7aNgoH4obFiHJV-2FNKDKYvnN3E8mXPtRwdvTqpF-2FzdZQKf0Zrcct3qxCd3tMbXsUnenctfeDPBzyHasznmrVwNnv0IL-2FsfFTKOnGT1LY7DJqhBoDyJD8k-2FhwTuhMq7hBh-2BXB4Y4LicUOAkIjfxiXGkdP9EYCaeui4Cb3JBlBC0TUTYls-3D" style="background-color: #fefdfa; color: #1155cc; font-family: Roboto, RobotoDraft, Helvetica, Arial, sans-serif; font-size: 12.8px; text-decoration-line: none;" target="_blank">, </a><span face="Roboto, RobotoDraft, Helvetica, Arial, sans-serif" style="background-color: #fefdfa; color: #222222; font-size: 12.8px;">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.</span><br style="background-color: #fefdfa; color: #222222; font-family: Roboto, RobotoDraft, Helvetica, Arial, sans-serif; font-size: 12.8px;" /><span face="Roboto, RobotoDraft, Helvetica, Arial, sans-serif" style="background-color: #fefdfa; color: #222222; font-size: 12.8px;">NMLS ID# 57916, (</span><a href="http://www.nmlsconsumeraccess.org/" style="background-color: #fefdfa; color: #1155cc; font-family: Roboto, RobotoDraft, Helvetica, Arial, sans-serif; font-size: 12.8px; text-decoration-line: none;" target="_blank">www.nmlsconsumeraccess.org</a><span face="Roboto, RobotoDraft, Helvetica, Arial, sans-serif" style="background-color: #fefdfa; color: #222222; font-size: 12.8px;">).</span></p><p data-sourcepos="54:1-54:168" style="background-color: white; margin: 1rem 0px; word-break: break-word;"><span face="Google Sans, Helvetica Neue, sans-serif" style="color: #1f1f1f;"><br /></span></p>
<iframe allow="accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share" allowfullscreen="" frameborder="0" height="487" src="https://www.youtube.com/embed/imAYi7A3jAo" title="Kentucky's Welcome Home Grant: A $20,000 Grant To Help Kentucky Home Buyers in 2024 Buy A Home." width="866"></iframe>
Joel Lobb, Mortgage Broker FHA, VA, KHC, USDAhttp://www.blogger.com/profile/14742291613632757087noreply@blogger.comtag:blogger.com,1999:blog-2083715272801756161.post-21297486882499780922024-02-19T10:10:00.005-05:002024-02-19T12:25:47.929-05:00Kentucky First Time Home Buyer Approval Requirement for a Mortgage Loan<h4 style="text-align: left;"> <span face="Arial, Helvetica, sans-serif" style="background-color: white; color: #222222; font-size: small;">Here's a more comprehensive breakdown of what it takes to get approved for a mortgage loan in Kentucky as a first-time homebuyer:</span></h4><br style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif; font-size: small;" /><span face="Arial, Helvetica, sans-serif" style="font-size: small;"><b><span style="background-color: #fcff01;"><span style="color: red;">*</span><span style="color: #2b00fe;"><a href="https://kentuckyfirsttimehomebuyer.blogspot.com/p/ky-down-payment-assistance-programs.html"> Credit Score</a>:</span></span> </b><span style="background-color: white; color: #222222;">While the minimum score for most conventional loans in Kentucky is 580, aiming for a higher score can significantly improve your interest rates. FHA loans allow for scores as low as 500, but keep in mind that you'll typically pay mortgage insurance (MI) with a lower credit score and need at least 10% down payment</span></span><div><br style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif; font-size: small;" /><span face="Arial, Helvetica, sans-serif" style="color: #222222; font-size: small;"><span style="background-color: #fcff01;"><b>*<a href="https://kentuckyfirsttimehomebuyer.blogspot.com/p/ky-down-payment-assistance-programs.html"> Down Payment: </a></b></span><span style="background-color: white;">The size of your down payment impacts your loan options, interest rates, and monthly payments. While 20% is the traditional benchmark for conventional loans, FHA loans require just 3.5%. Kentucky has excellent down payment assistance programs to help eligible buyers bridge the gap.</span></span></div><div><a href="https://kentuckyfirsttimehomebuyer.blogspot.com/p/ky-down-payment-assistance-programs.html"><br style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif; font-size: small;" /></a><span face="Arial, Helvetica, sans-serif" style="color: #222222; font-size: small;"><b style="background-color: #fcff01;"><a href="https://kentuckyfirsttimehomebuyer.blogspot.com/p/ky-down-payment-assistance-programs.html">* Debt-to-Income Ratio (DTI)</a>:</b><span style="background-color: white;"> Maintaining a healthy DTI ratio (ideally below 45%) demonstrates your ability to manage debt and reassures lenders of your financial stability. They're are two ratios: Front-end ratio and backend ratio. </span></span></div><div><br style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif; font-size: small;" /><h4 style="text-align: left;"><span face="Arial, Helvetica, sans-serif" style="background-color: white; color: #222222; font-size: small;"><a href="https://kentuckyfirsttimehomebuyer.blogspot.com/p/ky-down-payment-assistance-programs.html">Kentucky First Time Home Buyer Loan Options:</a></span></h4></div><div><br style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif; font-size: small;" /><span face="Arial, Helvetica, sans-serif" style="color: #222222; font-size: small;"><b style="background-color: #fcff01;">* <a href="https://kentuckyfirsttimehomebuyer.blogspot.com/p/ky-down-payment-assistance-programs.html">Conventional Loan:</a> </b><span style="background-color: white;">The gold standard for many homebuyers, conventional loans offer competitive rates and terms but require a 20% down payment and a strong credit score.</span></span></div><div><b><br style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif; font-size: small;" /></b><span face="Arial, Helvetica, sans-serif" style="color: #222222; font-size: small;"><b style="background-color: #fcff01;"><a href="https://www.mylouisvillekentuckymortgage.com/p/kenttucky-fhamortgage-loansupdated.html">* Kentucky FHA Loan:</a></b><span style="background-color: white;"> Insured by the Federal Housing Administration, FHA loans are more lenient on credit scores and down payments, making them accessible to first-time buyers with limited savings. However, you'll likely pay MI throughout the loan term.</span></span></div><div><br style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif; font-size: small;" /><span face="Arial, Helvetica, sans-serif" style="color: #222222; font-size: small;"><b style="background-color: #fcff01;">* </b><a href="https://kentuckyfirsttimehomebuyer.blogspot.com/p/ky-down-payment-assistance-programs.html"><b style="background-color: #fcff01;">Kentucky USDA Loan</b><span style="background-color: white;">:</span></a><span style="background-color: white;"> Designed for rural homeownership, USDA loans require no down payment for eligible borrowers in designated areas. Income limits apply, and the property must be your primary residence.</span></span></div><div><a href="https://kentuckyfirsttimehomebuyer.blogspot.com/p/ky-down-payment-assistance-programs.html"><b style="background-color: #fcff01;"><br style="color: #222222; font-family: Arial, Helvetica, sans-serif; font-size: small;" /></b></a><span face="Arial, Helvetica, sans-serif" style="color: #222222; font-size: small;"><a href="https://kentuckyfirsttimehomebuyer.blogspot.com/p/ky-down-payment-assistance-programs.html"><b style="background-color: #fcff01;">* Kentucky VA Loan:</b></a><span style="background-color: white;"> Veterans and eligible service members can leverage VA loans with zero down payment and favorable rates. This benefit requires meeting specific service requirements.</span></span><br style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif; font-size: small;" /><br /></div><div><span face="Arial, Helvetica, sans-serif" style="font-size: small;"><b><span style="background-color: #fcff01; color: red;">*<a href="https://kentuckyfirsttimehomebuyer.blogspot.com/p/ky-down-payment-assistance-programs.html"> Kentucky Down Payment Assistance: </a></span></b><span style="background-color: white; color: #222222;">Kentucky boasts several programs to help first-time homebuyers with down payments and closing costs. </span></span></div><div><span face="Arial, Helvetica, sans-serif" style="background-color: white; color: #222222; font-size: small;"><br /></span></div><div><span face="Arial, Helvetica, sans-serif" style="background-color: white; color: #222222; font-size: small;">Explore options like the Kentucky Housing Corporations' Mortgage Revenue Bonds (MRB) program or the KHC Down Payment Assistance Programs.</span></div><div><br style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif; font-size: small;" /></div><div>View Video Below for more info about buying your first house in Kentucky</div><div><br /></div><div class="separator" style="clear: both; text-align: center;"><iframe allowfullscreen="" class="BLOG_video_class" height="368" src="https://www.youtube.com/embed/ZCCW6hjFTZ4" width="613" youtube-src-id="ZCCW6hjFTZ4"></iframe></div><br /><div><br /></div><div><span style="background-color: white;"><br /></span></div><div><span style="background-color: white;"><div dir="ltr"><h1 style="color: #222222;"><strong style="font-size: small;">Joel Lobb </strong><strong style="font-size: small;">Mortgage Loan Officer</strong></h1><strong style="color: #222222;">American Mortgage Solutions, Inc.</strong><br style="color: #222222;" /><strong style="color: #222222;">10602 Timberwood Circle</strong><br style="color: #222222;" /><strong style="color: #222222;">Louisville, KY 40223</strong><br style="color: #222222;" /><strong style="color: #222222;">Company NMLS ID #1364</strong><br style="color: #222222;" /><br style="color: #222222;" /><span style="color: red;"><strong>Text/call: 502-905-3708</strong><br /><strong>fax: 502-327-9119<br />email:</strong></span><strong style="color: #222222;"><span style="color: red;"> </span><a href="mailto:kentuckyloan@gmail.com" style="color: #1155cc;" target="_blank"><span style="color: red;">kentuckyloan@gmail.com</span></a></strong><br style="color: #222222;" /><p style="color: #222222;"><strong><a href="https://u6837958.ct.sendgrid.net/ls/click?upn=yDl4ONl2FnWoxI2oUNFFdRLTTAUR6y90NKFY4MVDgLrvgV5JMFyv678UBGQn5ITz-2F9bBlLpKi1T8g4odG86bqA-3D-3D4dbF_1UNj7hvg7uUE8G5zDMsBgP0qkAFLLWYc62YOGAQ6BSEELGOxNkZE13wbiOroZAYR0-2FUM4CYCCXkRTkFayVZSfjJ5dPRpECoVgXmtswvjQYMs3nyfHkCAWNreolgwA9vpSrTKFvOpkb1Zo4WNFjjBzgblYoXbwHuJHSL0qfi7a3IcVIRp9IA17ZuZtCdnOLKVctzNhv5qM8dw0siqXVRKhUcHKbT2aSp-2FdibS3FZokq3haw5OCmFZPSo5GwU0QJd9QfE-2FjbZ6cC9waLaLOqLjLHNvvS6K5VgF5qw5UD9HtcmUMZGrnEfRViPpToLA7aNgoH4obFiHJV-2FNKDKYvnN3ExcA2OXosEMlF69ic5bGmNCW6EM2XWsTL-2FNHuYV8vPC9cDr9Ju4mZV8Dk4QjPeXmHxmFa0Bzfn8tkSylyZY-2FUoQ8IuS-2B51ApxVtwC0M6wEyzPLRySS9CkBsJ2or6yCT3uppB8UHa8Pz-2Brv8QlzKhM8g-3D" style="color: #1155cc;" target="_blank"><span style="color: red;">http://www.mylouisvillekentuckymortgage.com/</span></a></strong></p><p style="color: #222222;"></p><p style="color: #222222;"><br /></p><p style="color: #222222;"><img src="https://blogger.googleusercontent.com/img/proxy/AVvXsEhfUflvoHihINKK7IdLzXCBSKjw9Xk2HtGndRjqQ2jUXT9q8WU7UeThhnlI2a3igD4YlUgOv6WNUl40xtECjKrG-7J9lTKD6f5D-PqaM68YYkYY91eDfIEdwmLxhpdalB7E9oRMOmubtVbv6_JtSluDZPKa7NsaVSgJgmD1qHeXQ1Ck8isY1aEDdiBuS-eSgpNn7LbVM1H8TphFS1upzJmr_VOKGhuGoCk=s0-d-e1-ft" /></p><p style="color: #222222;"></p><span style="color: #222222;"><div dir="ltr"><br /></div><div dir="ltr"><span color="rgba(0,0,0,0.9)" face="-apple-system,system-ui,BlinkMacSystemFont,"Segoe UI",Roboto,"Helvetica Neue","Fira Sans",Ubuntu,Oxygen,"Oxygen Sans",Cantarell,"Droid Sans","Apple Color Emoji","Segoe UI Emoji","Segoe UI Emoji","Segoe UI Symbol","Lucida Grande",Helvetica,Arial,sans-serif" style="font-size: 14px;">NMLS 57916 | Company NMLS #1364/MB73346135166/MBR1574</span><br style="color: rgba(0, 0, 0, 0.9); font-family: -apple-system, system-ui, BlinkMacSystemFont, "Segoe UI", Roboto, "Helvetica Neue", "Fira Sans", Ubuntu, Oxygen, "Oxygen Sans", Cantarell, "Droid Sans", "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Lucida Grande", Helvetica, Arial, sans-serif; font-size: 14px; line-height: inherit;" /><a href="https://kentuckyfirsttimehomebuyer.blogspot.com/p/ky-down-payment-assistance-programs.html" target="_blank">Get Approved Now Click Here</a></div><div dir="ltr"><br /></div>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</span><a href="https://u6837958.ct.sendgrid.net/ls/click?upn=QeGBzuH2Omh4G8v1pXHrQS1g6H2Ok594vLcQnW1lyknbckT67tKaQxT6SPyLpSBloqscNlovnnm3AOysbnWTaj-2BEa-2Bi44k0mS6qPov-2FyXrtlMMntK0Trk1bXKiEA8kCu-2FnQDsNqk1wqPGQQZERhBwZ-2BBdcOoZEDZJGo0DHn7sYU-3DF83G_1UNj7hvg7uUE8G5zDMsBgP0qkAFLLWYc62YOGAQ6BSEELGOxNkZE13wbiOroZAYR0-2FUM4CYCCXkRTkFayVZSfjJ5dPRpECoVgXmtswvjQYMs3nyfHkCAWNreolgwA9vpSrTKFvOpkb1Zo4WNFjjBzgblYoXbwHuJHSL0qfi7a3IcVIRp9IA17ZuZtCdnOLKVctzNhv5qM8dw0siqXVRKhUcHKbT2aSp-2FdibS3FZokq3haw5OCmFZPSo5GwU0QJd9QfE-2FjbZ6cC9waLaLOqLjLHNvvS6K5VgF5qw5UD9HtcmUMZGrnEfRViPpToLA7aNgoH4obFiHJV-2FNKDKYvnN3E8mXPtRwdvTqpF-2FzdZQKf0Zrcct3qxCd3tMbXsUnenctfeDPBzyHasznmrVwNnv0IL-2FsfFTKOnGT1LY7DJqhBoDyJD8k-2FhwTuhMq7hBh-2BXB4Y4LicUOAkIjfxiXGkdP9EYCaeui4Cb3JBlBC0TUTYls-3D" style="color: #1155cc;" target="_blank">, </a><span style="color: #222222;">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.</span><br style="color: #222222;" /><span style="color: #222222;">NMLS ID# 57916, (</span><a href="http://www.nmlsconsumeraccess.org/" style="color: #1155cc;" target="_blank">www.nmlsconsumeraccess.org</a><span style="color: #222222;">).</span><br style="color: #222222;" /></div><div dir="ltr"><span style="color: #222222;"><br /></span></div><div dir="ltr"><span style="color: #222222;"><img alt="https://kentuckyfirsttimehomebuyer.blogspot.com/p/ky-down-payment-assistance-programs.html" data-aii="CiExekY1T2VQTmlXLURfUU9nR25Rc1NrenZiUlVpUnhxeGk" data-os="https://lh3.googleusercontent.com/d/1zF5OePNiW-D_QOgGnQsSkzvbRUiRxqxi" src="https://ci3.googleusercontent.com/mail-sig/AIorK4z8hNT6XBDra8zmZTmg_8WRWFCg2ZtN2QkgcGW4zAtzbVBzOSDLqq7VLemUIWhwBOYDJLJsByw=s16000" title="https://kentuckyfirsttimehomebuyer.blogspot.com/p/ky-down-payment-assistance-programs.html" /></span></div></span></div>
<br />Joel Lobb, Mortgage Broker FHA, VA, KHC, USDAhttp://www.blogger.com/profile/14742291613632757087noreply@blogger.comtag:blogger.com,1999:blog-2083715272801756161.post-287992141069803802024-02-17T12:49:00.002-05:002024-02-17T12:49:42.491-05:00Kentucky First Time Home Buyer Loan Options<div><br /></div><div><br /></div><div><br /></div><iframe frameborder="0" height="270" src="https://youtube.com/embed/ZCCW6hjFTZ4?si=lb7UqMqAiDj6BZsw" style="background-image: url(https://i.ytimg.com/vi/ZCCW6hjFTZ4/hqdefault.jpg);" width="480"></iframe><div><br /></div><div><br /></div><div><div dir="ltr"><h1 style="color: #222222;"><strong style="font-size: small;">Joel Lobb </strong><strong style="font-size: small;">Mortgage Loan Officer</strong></h1><strong style="color: #222222;">American Mortgage Solutions, Inc.</strong><br style="color: #222222;" /><strong style="color: #222222;">10602 Timberwood Circle</strong><br style="color: #222222;" /><strong style="color: #222222;">Louisville, KY 40223</strong><br style="color: #222222;" /><strong style="color: #222222;">Company NMLS ID #1364</strong><br style="color: #222222;" /><br style="color: #222222;" /><span style="color: red;"><strong>Text/call: 502-905-3708</strong><br /><strong>fax: 502-327-9119<br />email:</strong></span><strong style="color: #222222;"><span style="color: red;"> </span><a href="mailto:kentuckyloan@gmail.com" style="color: #1155cc;" target="_blank"><span style="color: red;">kentuckyloan@gmail.com</span></a></strong><br style="color: #222222;" /><p style="color: #222222;"><strong><a href="https://u6837958.ct.sendgrid.net/ls/click?upn=yDl4ONl2FnWoxI2oUNFFdRLTTAUR6y90NKFY4MVDgLrvgV5JMFyv678UBGQn5ITz-2F9bBlLpKi1T8g4odG86bqA-3D-3D4dbF_1UNj7hvg7uUE8G5zDMsBgP0qkAFLLWYc62YOGAQ6BSEELGOxNkZE13wbiOroZAYR0-2FUM4CYCCXkRTkFayVZSfjJ5dPRpECoVgXmtswvjQYMs3nyfHkCAWNreolgwA9vpSrTKFvOpkb1Zo4WNFjjBzgblYoXbwHuJHSL0qfi7a3IcVIRp9IA17ZuZtCdnOLKVctzNhv5qM8dw0siqXVRKhUcHKbT2aSp-2FdibS3FZokq3haw5OCmFZPSo5GwU0QJd9QfE-2FjbZ6cC9waLaLOqLjLHNvvS6K5VgF5qw5UD9HtcmUMZGrnEfRViPpToLA7aNgoH4obFiHJV-2FNKDKYvnN3ExcA2OXosEMlF69ic5bGmNCW6EM2XWsTL-2FNHuYV8vPC9cDr9Ju4mZV8Dk4QjPeXmHxmFa0Bzfn8tkSylyZY-2FUoQ8IuS-2B51ApxVtwC0M6wEyzPLRySS9CkBsJ2or6yCT3uppB8UHa8Pz-2Brv8QlzKhM8g-3D" style="color: #1155cc;" target="_blank"><span style="color: red;">http://www.mylouisvillekentuckymortgage.com/</span></a></strong></p><p style="color: #222222;"></p><p style="color: #222222;"><img height="51" jslog="138226; u014N:xr6bB; 53:WzEsMV0." src="https://blogger.googleusercontent.com/img/proxy/AVvXsEho67m63xTHbIGoz7ecfJibwAuWUSk5j-oEBivK_KCWZcX3Ti_5XVLhUcEpSMVK8SgADjgH4GeqTXxlvq0YrfryNTBFxfNHTe6WOsMnzvQq-CBeUnqgLLpoZlNNWCdS8QcEabbY15EHQ_6uSURlsVQAUoQJGAqBl9uLsODSvKILXcoRngWUGvJd6rlN8um-brkh8CfZDg=s0-d-e1-ft" width="200" /></p><p style="color: #222222;"><img src="https://blogger.googleusercontent.com/img/proxy/AVvXsEhfUflvoHihINKK7IdLzXCBSKjw9Xk2HtGndRjqQ2jUXT9q8WU7UeThhnlI2a3igD4YlUgOv6WNUl40xtECjKrG-7J9lTKD6f5D-PqaM68YYkYY91eDfIEdwmLxhpdalB7E9oRMOmubtVbv6_JtSluDZPKa7NsaVSgJgmD1qHeXQ1Ck8isY1aEDdiBuS-eSgpNn7LbVM1H8TphFS1upzJmr_VOKGhuGoCk=s0-d-e1-ft" /></p><p style="color: #222222;"></p><span style="color: #222222;"><div dir="ltr"><br /></div><div dir="ltr"><span style="color: rgba(0,0,0,0.9); font-family: -apple-system,system-ui,BlinkMacSystemFont,"Segoe UI",Roboto,"Helvetica Neue","Fira Sans",Ubuntu,Oxygen,"Oxygen Sans",Cantarell,"Droid Sans","Apple Color Emoji","Segoe UI Emoji","Segoe UI Emoji","Segoe UI Symbol","Lucida Grande",Helvetica,Arial,sans-serif; font-size: 14px;">NMLS 57916 | Company NMLS #1364/MB73346135166/MBR1574</span><br style="color: rgba(0,0,0,0.9); font-family: -apple-system,system-ui,BlinkMacSystemFont,"Segoe UI",Roboto,"Helvetica Neue","Fira Sans",Ubuntu,Oxygen,"Oxygen Sans",Cantarell,"Droid Sans","Apple Color Emoji","Segoe UI Emoji","Segoe UI Emoji","Segoe UI Symbol","Lucida Grande",Helvetica,Arial,sans-serif; font-size: 14px; line-height: inherit!important;" /><a href="https://americanmtgsolutions.shapeportal.com/ref/19" target="_blank">Get Approved Now Click Here</a></div><div dir="ltr"><br /></div>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</span><a href="https://u6837958.ct.sendgrid.net/ls/click?upn=QeGBzuH2Omh4G8v1pXHrQS1g6H2Ok594vLcQnW1lyknbckT67tKaQxT6SPyLpSBloqscNlovnnm3AOysbnWTaj-2BEa-2Bi44k0mS6qPov-2FyXrtlMMntK0Trk1bXKiEA8kCu-2FnQDsNqk1wqPGQQZERhBwZ-2BBdcOoZEDZJGo0DHn7sYU-3DF83G_1UNj7hvg7uUE8G5zDMsBgP0qkAFLLWYc62YOGAQ6BSEELGOxNkZE13wbiOroZAYR0-2FUM4CYCCXkRTkFayVZSfjJ5dPRpECoVgXmtswvjQYMs3nyfHkCAWNreolgwA9vpSrTKFvOpkb1Zo4WNFjjBzgblYoXbwHuJHSL0qfi7a3IcVIRp9IA17ZuZtCdnOLKVctzNhv5qM8dw0siqXVRKhUcHKbT2aSp-2FdibS3FZokq3haw5OCmFZPSo5GwU0QJd9QfE-2FjbZ6cC9waLaLOqLjLHNvvS6K5VgF5qw5UD9HtcmUMZGrnEfRViPpToLA7aNgoH4obFiHJV-2FNKDKYvnN3E8mXPtRwdvTqpF-2FzdZQKf0Zrcct3qxCd3tMbXsUnenctfeDPBzyHasznmrVwNnv0IL-2FsfFTKOnGT1LY7DJqhBoDyJD8k-2FhwTuhMq7hBh-2BXB4Y4LicUOAkIjfxiXGkdP9EYCaeui4Cb3JBlBC0TUTYls-3D" style="color: #1155cc;" target="_blank">, </a><span style="color: #222222;">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.</span><br style="color: #222222;" /><span style="color: #222222;">NMLS ID# 57916, (</span><a href="http://www.nmlsconsumeraccess.org/" style="color: #1155cc;" target="_blank">www.nmlsconsumeraccess.org</a><span style="color: #222222;">).</span><br style="color: #222222;" /></div><div dir="ltr"><span style="color: #222222;"><br /></span></div><div dir="ltr"><span style="color: #222222;"><img data-aii="CiExekY1T2VQTmlXLURfUU9nR25Rc1NrenZiUlVpUnhxeGk" data-os="https://lh3.googleusercontent.com/d/1zF5OePNiW-D_QOgGnQsSkzvbRUiRxqxi" height="284" src="https://ci3.googleusercontent.com/mail-sig/AIorK4z8hNT6XBDra8zmZTmg_8WRWFCg2ZtN2QkgcGW4zAtzbVBzOSDLqq7VLemUIWhwBOYDJLJsByw" width="420" /></span></div></div>Joel Lobb, Mortgage Broker FHA, VA, KHC, USDAhttp://www.blogger.com/profile/14742291613632757087noreply@blogger.comtag:blogger.com,1999:blog-2083715272801756161.post-17566780968535698102024-02-15T13:23:00.001-05:002024-02-15T13:23:38.354-05:00Kentucky's Welcome Home Grant: A $20,000 Grant To Help Kentucky Home Buy...<iframe style="background-image:url(https://i.ytimg.com/vi/imAYi7A3jAo/hqdefault.jpg)" width="480" height="270" src="https://youtube.com/embed/imAYi7A3jAo?si=ffBJ6IHXYTrE2Z3t" frameborder="0"></iframe>Joel Lobb, Mortgage Broker FHA, VA, KHC, USDAhttp://www.blogger.com/profile/14742291613632757087noreply@blogger.comtag:blogger.com,1999:blog-2083715272801756161.post-39168466959213713092024-02-14T07:34:00.002-05:002024-02-14T07:34:27.298-05:00FHA loans are a popular option for Kentucky home buyers' with bad credit<p> <span style="background-color: white;"><span style="color: #222222; font-family: Arial, Helvetica, sans-serif; font-size: x-small;">FHA loans are a popular option for Kentucky home buyers' with bad credit, but there are certain requirements you'll need to meet to qualify. Here's a quick overview:</span></span></p><p><span style="background-color: white;"></span></p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhI0pfJB9txrVVXnLvnlSFfHZQ4C_7ldO8yLUM5ciLzIUcnc8sqlpEGJVXNhkESWePvIKNcpNTlKrAPKdX2pVkfMzsdR2Ye73Z8TvI1k8guZHfH_3ZM_usS2x3lzHlKln2ZO63hRB-X0igAlhsiG55oqQXFjlEyP8IwzQcluQvpB0bRyaXEwb39pq-6kISj/s808/FHA%20PIC%20FOR%20BLOG.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img alt="Kentucky FHA Loan Requirements for 2024 to include Credit Fico Scores, Down Payment, Income and Job history" border="0" data-original-height="474" data-original-width="808" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhI0pfJB9txrVVXnLvnlSFfHZQ4C_7ldO8yLUM5ciLzIUcnc8sqlpEGJVXNhkESWePvIKNcpNTlKrAPKdX2pVkfMzsdR2Ye73Z8TvI1k8guZHfH_3ZM_usS2x3lzHlKln2ZO63hRB-X0igAlhsiG55oqQXFjlEyP8IwzQcluQvpB0bRyaXEwb39pq-6kISj/s16000/FHA%20PIC%20FOR%20BLOG.png" title="Kentucky FHA Loan Requirements for 2024 to include Credit Fico Scores, Down Payment, Income and Job history" /></a></div><br /><span style="color: #222222; font-family: Arial, Helvetica, sans-serif; font-size: x-small;"><br /></span><p></p><span style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif; font-size: small;">Credit score:</span><div><br style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif; font-size: small;" /><span style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif; font-size: small;">* The minimum credit score for an FHA loan in Kentucky is 500 to 580 depending on your credit score and down payment. However, some lenders may accept scores as low as 500 with a larger down payment (10% instead of 3.5%).</span></div><div><br style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif; font-size: small;" /><span style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif; font-size: small;">Debt-to-income ratio:</span></div><div><br style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif; font-size: small;" /><span style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif; font-size: small;">* Your debt-to-income ratio (DTI) is your monthly debt payments divided by your gross monthly income. Most lenders prefer a DTI below 50%, but some may allow up to 56.9%.</span></div><div><br style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif; font-size: small;" /><span style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif; font-size: small;">Down payment:</span></div><div><br style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif; font-size: small;" /><span style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif; font-size: small;">* The minimum down payment for an FHA loan is 3.5% of the purchase price.</span></div><div><br style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif; font-size: small;" /><span style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif; font-size: small;">Employment and income:</span></div><div><br style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif; font-size: small;" /><span style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif; font-size: small;">* You'll need to have steady employment for at least two years and sufficient income to cover your monthly mortgage payment.</span></div><div><br /></div><div><br style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif; font-size: small;" /><span style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif; font-size: small;">* You'll also need to meet other requirements, such as having a valid Social Security number and homeowner's insurance.</span></div><div><br style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif; font-size: small;" /><span style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif; font-size: small;">If you have bad credit and are considering an <a href="https://www.mylouisvillekentuckymortgage.com/p/kenttucky-fhamortgage-loansupdated.html">FHA loan in Kentucky,</a> it's important to shop around and compare rates from different lenders. You may also want to consider talking to a credit counselor to help improve your credit score before you apply.</span></div><div><span style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif; font-size: small;"><br /></span></div><div><span style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif; font-size: small;"><br /></span></div><div><div dir="ltr"><h1 style="color: #222222;"><strong style="font-size: small;">Joel Lobb </strong><strong style="font-size: small;">Mortgage Loan Officer</strong></h1><strong style="color: #222222;">American Mortgage Solutions, Inc.</strong><br style="color: #222222;" /><strong style="color: #222222;">10602 Timberwood Circle</strong><br style="color: #222222;" /><strong style="color: #222222;">Louisville, KY 40223</strong><br style="color: #222222;" /><strong style="color: #222222;">Company NMLS ID #1364</strong><br style="color: #222222;" /><br style="color: #222222;" /><span style="color: red;"><strong>Text/call: 502-905-3708</strong><br /><strong>fax: 502-327-9119<br />email:</strong></span><strong style="color: #222222;"><span style="color: red;"> </span><a href="mailto:kentuckyloan@gmail.com" style="color: #1155cc;" target="_blank"><span style="color: red;">kentuckyloan@gmail.com</span></a></strong><br style="color: #222222;" /><p style="color: #222222;"><strong><a href="https://u6837958.ct.sendgrid.net/ls/click?upn=yDl4ONl2FnWoxI2oUNFFdRLTTAUR6y90NKFY4MVDgLrvgV5JMFyv678UBGQn5ITz-2F9bBlLpKi1T8g4odG86bqA-3D-3D4dbF_1UNj7hvg7uUE8G5zDMsBgP0qkAFLLWYc62YOGAQ6BSEELGOxNkZE13wbiOroZAYR0-2FUM4CYCCXkRTkFayVZSfjJ5dPRpECoVgXmtswvjQYMs3nyfHkCAWNreolgwA9vpSrTKFvOpkb1Zo4WNFjjBzgblYoXbwHuJHSL0qfi7a3IcVIRp9IA17ZuZtCdnOLKVctzNhv5qM8dw0siqXVRKhUcHKbT2aSp-2FdibS3FZokq3haw5OCmFZPSo5GwU0QJd9QfE-2FjbZ6cC9waLaLOqLjLHNvvS6K5VgF5qw5UD9HtcmUMZGrnEfRViPpToLA7aNgoH4obFiHJV-2FNKDKYvnN3ExcA2OXosEMlF69ic5bGmNCW6EM2XWsTL-2FNHuYV8vPC9cDr9Ju4mZV8Dk4QjPeXmHxmFa0Bzfn8tkSylyZY-2FUoQ8IuS-2B51ApxVtwC0M6wEyzPLRySS9CkBsJ2or6yCT3uppB8UHa8Pz-2Brv8QlzKhM8g-3D" style="color: #1155cc;" target="_blank"><span style="color: red;">http://www.mylouisvillekentuckymortgage.com/</span></a></strong></p><p style="color: #222222;"></p><p style="color: #222222;"><img alt="Kentucky FHA Loan Requirements for 2024 to include Credit Fico Scores, Down Payment, Income and Job history" height="123" jslog="138226; u014N:xr6bB; 53:WzEsMV0." src="https://ci3.googleusercontent.com/proxy/ncOpS9Um7j7q05JXBr_v3bQoiSlClKdFlfkpZnJrYfXpAPRWGIU4OFc10P8c2v7GC6nXORCVXLAywd-gYtk77EtXXiAEFgIXG3uBj8_L6IRkAewYSucfaslSWCv04PIabzXWwKmiCeNl3r4=w483-h123" title="Kentucky FHA Loan Requirements for 2024 to include Credit Fico Scores, Down Payment, Income and Job history" width="483" /></p><p style="color: #222222;"><img src="https://blogger.googleusercontent.com/img/proxy/AVvXsEhfUflvoHihINKK7IdLzXCBSKjw9Xk2HtGndRjqQ2jUXT9q8WU7UeThhnlI2a3igD4YlUgOv6WNUl40xtECjKrG-7J9lTKD6f5D-PqaM68YYkYY91eDfIEdwmLxhpdalB7E9oRMOmubtVbv6_JtSluDZPKa7NsaVSgJgmD1qHeXQ1Ck8isY1aEDdiBuS-eSgpNn7LbVM1H8TphFS1upzJmr_VOKGhuGoCk=s0-d-e1-ft" /></p><p style="color: #222222;"></p><span style="color: #222222;"><div dir="ltr"><br /></div><div dir="ltr"><span style="color: rgba(0,0,0,0.9); font-family: -apple-system,system-ui,BlinkMacSystemFont,"Segoe UI",Roboto,"Helvetica Neue","Fira Sans",Ubuntu,Oxygen,"Oxygen Sans",Cantarell,"Droid Sans","Apple Color Emoji","Segoe UI Emoji","Segoe UI Emoji","Segoe UI Symbol","Lucida Grande",Helvetica,Arial,sans-serif; font-size: 14px;">NMLS 57916 | Company NMLS #1364/MB73346135166/MBR1574</span><br style="color: rgba(0,0,0,0.9); font-family: -apple-system,system-ui,BlinkMacSystemFont,"Segoe UI",Roboto,"Helvetica Neue","Fira Sans",Ubuntu,Oxygen,"Oxygen Sans",Cantarell,"Droid Sans","Apple Color Emoji","Segoe UI Emoji","Segoe UI Emoji","Segoe UI Symbol","Lucida Grande",Helvetica,Arial,sans-serif; font-size: 14px; line-height: inherit!important;" /><a href="https://americanmtgsolutions.shapeportal.com/ref/19" target="_blank">Get Approved Now Click Here</a></div><div dir="ltr"><br /></div>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</span><a href="https://u6837958.ct.sendgrid.net/ls/click?upn=QeGBzuH2Omh4G8v1pXHrQS1g6H2Ok594vLcQnW1lyknbckT67tKaQxT6SPyLpSBloqscNlovnnm3AOysbnWTaj-2BEa-2Bi44k0mS6qPov-2FyXrtlMMntK0Trk1bXKiEA8kCu-2FnQDsNqk1wqPGQQZERhBwZ-2BBdcOoZEDZJGo0DHn7sYU-3DF83G_1UNj7hvg7uUE8G5zDMsBgP0qkAFLLWYc62YOGAQ6BSEELGOxNkZE13wbiOroZAYR0-2FUM4CYCCXkRTkFayVZSfjJ5dPRpECoVgXmtswvjQYMs3nyfHkCAWNreolgwA9vpSrTKFvOpkb1Zo4WNFjjBzgblYoXbwHuJHSL0qfi7a3IcVIRp9IA17ZuZtCdnOLKVctzNhv5qM8dw0siqXVRKhUcHKbT2aSp-2FdibS3FZokq3haw5OCmFZPSo5GwU0QJd9QfE-2FjbZ6cC9waLaLOqLjLHNvvS6K5VgF5qw5UD9HtcmUMZGrnEfRViPpToLA7aNgoH4obFiHJV-2FNKDKYvnN3E8mXPtRwdvTqpF-2FzdZQKf0Zrcct3qxCd3tMbXsUnenctfeDPBzyHasznmrVwNnv0IL-2FsfFTKOnGT1LY7DJqhBoDyJD8k-2FhwTuhMq7hBh-2BXB4Y4LicUOAkIjfxiXGkdP9EYCaeui4Cb3JBlBC0TUTYls-3D" style="color: #1155cc;" target="_blank">, </a><span style="color: #222222;">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.</span><br style="color: #222222;" /><span style="color: #222222;">NMLS ID# 57916, (</span><a href="http://www.nmlsconsumeraccess.org/" style="color: #1155cc;" target="_blank">www.nmlsconsumeraccess.org</a><span style="color: #222222;">).</span><br style="color: #222222;" /></div><div dir="ltr"><span style="color: #222222;"><br /></span></div><div dir="ltr"><span style="color: #222222;"><img data-aii="CiExekY1T2VQTmlXLURfUU9nR25Rc1NrenZiUlVpUnhxeGk" data-os="https://lh3.googleusercontent.com/d/1zF5OePNiW-D_QOgGnQsSkzvbRUiRxqxi" height="284" src="https://ci3.googleusercontent.com/mail-sig/AIorK4z8hNT6XBDra8zmZTmg_8WRWFCg2ZtN2QkgcGW4zAtzbVBzOSDLqq7VLemUIWhwBOYDJLJsByw" width="420" /></span></div></div>Joel Lobb, Mortgage Broker FHA, VA, KHC, USDAhttp://www.blogger.com/profile/14742291613632757087noreply@blogger.comtag:blogger.com,1999:blog-2083715272801756161.post-37171593255743832462024-02-13T09:05:00.002-05:002024-02-13T09:06:55.939-05:00 Qualifying for a home loan in Kentucky as a first-time homebuyer<h1 style="text-align: left;"> <span face="Arial, Helvetica, sans-serif" style="background-color: white; color: #222222; font-size: small;">Qualifying for a home loan in Kentucky as a first-time homebuyer</span></h1><span face="Arial, Helvetica, sans-serif" style="background-color: white; color: #222222; font-size: small;">Buying a home is a major financial decision, and it's important to make sure you're financially qualified before you start shopping for homes. Here are some key things to consider when qualifying for a home loan in Kentucky as a first-time homebuyer:</span><div><br style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif; font-size: small;" /><span face="Arial, Helvetica, sans-serif" style="background-color: white; color: #222222; font-size: small;">* Credit score: Your credit score is one of the most important factors in determining your eligibility for a home loan and the interest rate you'll be offered. Aim for a credit score of 580 or higher to get the best rates.</span></div><div><br style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif; font-size: small;" /><span face="Arial, Helvetica, sans-serif" style="background-color: white; color: #222222; font-size: small;">* Debt-to-income ratio: Your debt-to-income ratio (DTI) is the amount of your monthly debt payments divided by your gross monthly income. A lower DTI ratio is better, and most lenders prefer a DTI ratio of 50% or lower.</span></div><div><br style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif; font-size: small;" /><span face="Arial, Helvetica, sans-serif" style="background-color: white; color: #222222; font-size: small;">* Down payment: While a 20% down payment is traditional, there are many loan programs available that allow you to put down as little as 3% or even 0% down. However, keep in mind that a larger down payment will result in a lower monthly mortgage payment and may help you avoid paying private mortgage insurance (PMI).</span></div><div><br style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif; font-size: small;" /><span face="Arial, Helvetica, sans-serif" style="background-color: white; color: #222222; font-size: small;">* Income: Your income will need to be sufficient to cover your monthly mortgage payment, property taxes, homeowners insurance, and other housing costs. Use Gross income and not net income to qualify for a mortgage payment</span></div><div><br style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif; font-size: small;" /><span face="Arial, Helvetica, sans-serif" style="background-color: white; color: #222222; font-size: small;">* Employment: Lenders will want to see that you have a steady job history and sufficient income to make your mortgage payments. Stable 2 year work history </span></div><div><br style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif; font-size: small;" /><span face="Arial, Helvetica, sans-serif" style="background-color: white; color: #222222; font-size: small;">In addition to the above, there are also a number of down payment assistance programs available for first-time homebuyers in Kentucky. These programs can help you reduce the amount of money you need to come up with upfront for a down payment.</span></div><div><br style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif; font-size: small;" /><span face="Arial, Helvetica, sans-serif" style="background-color: white; color: #222222; font-size: small;">Here are some of the down payment assistance programs available in Kentucky:</span></div><div><br style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif; font-size: small;" /><span face="Arial, Helvetica, sans-serif" style="background-color: white; color: #222222; font-size: small;">* Kentucky Housing Corporation (KHC) Down Payment Assistance Programs: KHC offers a variety of down payment assistance programs for first-time homebuyers, including the KHC Conventional Preferred Program, the KHC FHA Advantage Program, and the KHC USDA Rural Development Guaranteed Loan Program.</span></div><div><br style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif; font-size: small;" /><span face="Arial, Helvetica, sans-serif" style="background-color: white; color: #222222; font-size: small;">* Federal Housing Administration (FHA) Loans: FHA loans are government-insured loans that allow for down payments as low as 3.5%.</span></div><div><br style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif; font-size: small;" /><span face="Arial, Helvetica, sans-serif" style="background-color: white; color: #222222; font-size: small;">* Veterans Administration (VA) Loans: VA loans are available to eligible veterans and active duty service members and allow for 0% down payments.</span></div><div><br style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif; font-size: small;" /><span face="Arial, Helvetica, sans-serif" style="background-color: white; color: #222222; font-size: small;">If you're thinking about buying a home in Kentucky, be sure to do your research and talk to a lender to get pre-approved for a mortgage. This will help you determine how much you can afford to spend on a home and give you a better idea of what loan options are available to you.</span></div><div><br style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif; font-size: small;" /><span face="Arial, Helvetica, sans-serif" style="color: #222222; font-size: x-small;"><span style="background-color: white;"><a href="https://kyfirsttimehomebuyer.wordpress.com/">https://kyfirsttimehomebuyer.wordpress.com/</a></span></span></div><div><span face="Arial, Helvetica, sans-serif" style="color: #222222; font-size: x-small;"><br /></span></div><div><ul style="background-color: white; box-sizing: border-box; color: #1a1a1a; font-family: Merriweather, Georgia, serif; font-size: 13px; list-style-image: initial; list-style-position: initial; margin: 0px 0px 0px 1.25em; padding: 0px;"><li class="cat-item cat-item-48591149" style="box-sizing: inherit;"><a href="https://kyfirsttimehomebuyer.wordpress.com/category/first-time-home-buyer-in-kentucky-zero-down/" style="background-color: transparent; box-sizing: inherit; color: #007acc; text-decoration-line: none;">First Time Home Buyer in Kentucky Zero Down</a></li><li class="cat-item cat-item-43069285" style="box-sizing: inherit;"><a href="https://kyfirsttimehomebuyer.wordpress.com/category/first-time-home-buyer-loans-kentucky/" style="background-color: transparent; box-sizing: inherit; color: #007acc; text-decoration-line: none;">First Time Home Buyer Loans–Kentucky</a></li><li class="cat-item cat-item-48850872" style="box-sizing: inherit;"><a href="https://kyfirsttimehomebuyer.wordpress.com/category/first-time-home-buyer-prgoams/" style="background-color: transparent; box-sizing: inherit; color: #686868; outline: 0px; text-decoration-line: none;">First Time home Buyer Programs</a></li><li class="cat-item cat-item-59646701" style="box-sizing: inherit;"><a href="https://kyfirsttimehomebuyer.wordpress.com/category/first-time-home-buyer-programs-louisville-kentucky/" style="background-color: transparent; box-sizing: inherit; color: #007acc; text-decoration-line: none;">First Time Home Buyer Programs Louisville Kentucky</a></li></ul></div>Joel Lobb, Mortgage Broker FHA, VA, KHC, USDAhttp://www.blogger.com/profile/14742291613632757087noreply@blogger.comtag:blogger.com,1999:blog-2083715272801756161.post-50182182615623098942024-02-12T16:51:00.004-05:002024-02-12T17:06:12.827-05:00Kentucky's Welcome Home Grant: A $20,000 Grant To Help Kentucky Home Buyers in 2024 Buy their First House in Kentucky<h4 style="text-align: left;">KENTUCKY WELCOME GRANT INFORMATION FOR QUALIFYING IN 2024 </h4><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhBURVPLfnrXAtrgE1Wo9k6st_yJhk2OGWUdj1TIdUTRQAh8xtqqWARDa5l5F3TseKPnzNMkPH2jDmr9jhqCgbjSDzYtdPg_sNIw8PEn90BzJj5RKXnYGhhqYrNPuFfH6ghwIXI46nKP0VKShtYwGtT91U2hTrJ8rlGV2YLSN5yh4s5o75sC_3XpJEEr1sf/s960/CCZCZxcZCzCZCZczcZCzcZCZ.png" style="margin-left: 1em; margin-right: 1em;"><img alt="KENTUCKY WELCOME GRANT INFORMATION FOR QUALIFYING IN 2024" border="0" data-original-height="960" data-original-width="864" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhBURVPLfnrXAtrgE1Wo9k6st_yJhk2OGWUdj1TIdUTRQAh8xtqqWARDa5l5F3TseKPnzNMkPH2jDmr9jhqCgbjSDzYtdPg_sNIw8PEn90BzJj5RKXnYGhhqYrNPuFfH6ghwIXI46nKP0VKShtYwGtT91U2hTrJ8rlGV2YLSN5yh4s5o75sC_3XpJEEr1sf/s16000/CCZCZxcZCzCZCZczcZCzcZCZ.png" title="KENTUCKY WELCOME GRANT INFORMATION FOR QUALIFYING IN 2024" /></a></div><br /><p><br /></p><h2 data-sourcepos="1:1-1:68" style="background-color: white; color: #1f1f1f; font-family: "Google Sans", "Helvetica Neue", sans-serif; font-size: 1rem; line-height: 1.5rem; margin: 0px 0px 1rem; scrollbar-color: rgb(218, 220, 224) transparent;">Kentucky's Welcome Home Grant: A $20,000 Boost for Homeownership!</h2><p data-sourcepos="3:1-3:330" style="background-color: white; color: #1f1f1f; font-family: "Google Sans", "Helvetica Neue", sans-serif; font-size: 16px; margin: 1rem 0px; scrollbar-color: rgb(218, 220, 224) transparent; white-space-collapse: preserve; word-break: break-word;">Dreaming of owning a home in Kentucky but facing hurdles with the down payment? The Welcome Home Grant program might be your answer! This initiative offers a <span style="font-weight: 700; scrollbar-color: rgb(218, 220, 224) transparent;">$20,000 grant</span> to eligible homebuyers, giving them a significant financial boost towards their dream home. Let's delve into the program's details and see if you qualify!</p><p data-sourcepos="5:1-5:43" style="background-color: white; color: #1f1f1f; font-family: "Google Sans", "Helvetica Neue", sans-serif; font-size: 16px; margin: 1rem 0px; scrollbar-color: rgb(218, 220, 224) transparent; white-space-collapse: preserve; word-break: break-word;"><span style="font-weight: 700; scrollbar-color: rgb(218, 220, 224) transparent;">What is the Welcome Home Grant Program?</span></p><p data-sourcepos="7:1-7:311" style="background-color: white; color: #1f1f1f; font-family: "Google Sans", "Helvetica Neue", sans-serif; font-size: 16px; margin: 1rem 0px; scrollbar-color: rgb(218, 220, 224) transparent; white-space-collapse: preserve; word-break: break-word;">This program, funded by the Federal Home Loan Bank of Cincinnati (FHLBC), partners with participating lenders across Kentucky to provide down payment and closing cost assistance to homebuyers. It aims to increase homeownership opportunities for individuals and families, particularly those with moderate income.</p><p data-sourcepos="9:1-9:20" style="background-color: white; color: #1f1f1f; font-family: "Google Sans", "Helvetica Neue", sans-serif; font-size: 16px; margin: 1rem 0px; scrollbar-color: rgb(218, 220, 224) transparent; white-space-collapse: preserve; word-break: break-word;"><span style="font-weight: 700; scrollbar-color: rgb(218, 220, 224) transparent;">Who is Eligible?</span></p><ul data-sourcepos="11:1-15:0" style="background-color: white; color: #1f1f1f; font-family: "Google Sans", "Helvetica Neue", sans-serif; font-size: 16px; margin: 4px 0px; padding-inline-start: 1.125rem; scrollbar-color: rgb(218, 220, 224) transparent;"><li data-sourcepos="11:1-11:201" style="margin-bottom: 0px; scrollbar-color: rgb(218, 220, 224) transparent;"><span style="font-weight: 700; scrollbar-color: rgb(218, 220, 224) transparent;">Income Limits:</span> Your household income must be at or below 80% of the Mortgage Revenue Bond (MRB) limit for your county. You can find these limits here <a href="-->>https://kyfirsttimehomebuyer.wordpress.com/2024/01/20/kentucky-welcome-home-grant-5000-00/">--👇>>https://kyfirsttimehomebuyer.wordpress.com/2024/01/20/kentucky-welcome-home-grant-5000-00/</a></li><li data-sourcepos="12:1-12:94" style="margin-bottom: 0px; scrollbar-color: rgb(218, 220, 224) transparent;"><span style="font-weight: 700; scrollbar-color: rgb(218, 220, 224) transparent;">Only Kentucky First-Time Homebuyers? Not necessarily:</span> Both first-time and repeat homebuyers can apply!</li><li data-sourcepos="13:1-13:113" style="margin-bottom: 0px; scrollbar-color: rgb(218, 220, 224) transparent;"><span style="font-weight: 700; scrollbar-color: rgb(218, 220, 224) transparent;">Location:</span> The property must be your primary residence and located in a county participating in the program. It's available in all 120 counties of Kentucky</li><li data-sourcepos="14:1-15:0" style="margin-bottom: 0px; scrollbar-color: rgb(218, 220, 224) transparent;"><span style="font-weight: 700; scrollbar-color: rgb(218, 220, 224) transparent;">Other Requirements:</span> You must have a fully executed purchase contract, contribute at least $500 of your own funds towards the down payment/closing costs, and meet the lender's creditworthiness standards.</li></ul><p data-sourcepos="16:1-16:32" style="background-color: white; color: #1f1f1f; font-family: "Google Sans", "Helvetica Neue", sans-serif; font-size: 16px; margin: 1rem 0px; scrollbar-color: rgb(218, 220, 224) transparent; white-space-collapse: preserve; word-break: break-word;"><span style="font-weight: 700; scrollbar-color: rgb(218, 220, 224) transparent;">Important Dates to Remember:</span></p><p data-sourcepos="16:1-16:32" style="background-color: white; color: #1f1f1f; font-family: "Google Sans", "Helvetica Neue", sans-serif; font-size: 16px; margin: 1rem 0px; scrollbar-color: rgb(218, 220, 224) transparent; white-space-collapse: preserve; word-break: break-word;"><span style="font-weight: 700; scrollbar-color: rgb(218, 220, 224) transparent;"><br /></span></p><ul data-sourcepos="18:1-21:0" style="background-color: white; color: #1f1f1f; font-family: "Google Sans", "Helvetica Neue", sans-serif; font-size: 16px; margin: 4px 0px; padding-inline-start: 1.125rem; scrollbar-color: rgb(218, 220, 224) transparent;"><li data-sourcepos="18:1-18:122" style="margin-bottom: 0px; scrollbar-color: rgb(218, 220, 224) transparent;"><span style="font-weight: 700; scrollbar-color: rgb(218, 220, 224) transparent;">Application Period:</span> Reservations for the 2024 Welcome Home Grant program open on <span style="font-weight: 700; scrollbar-color: rgb(218, 220, 224) transparent;">March 1st, 2024, at 8:00 AM ET</span>.</li><li data-sourcepos="19:1-19:95" style="margin-bottom: 0px; scrollbar-color: rgb(218, 220, 224) transparent;"><span style="font-weight: 700; scrollbar-color: rgb(218, 220, 224) transparent;">Funding Availability:</span> Grants are limited and awarded on a first-come, first-served basis.</li><li data-sourcepos="20:1-21:0" style="margin-bottom: 0px; scrollbar-color: rgb(218, 220, 224) transparent;"><span style="font-weight: 700; scrollbar-color: rgb(218, 220, 224) transparent;">Program Duration:</span> The program runs until all funds are reserved.</li><li data-sourcepos="20:1-21:0" style="margin-bottom: 0px; scrollbar-color: rgb(218, 220, 224) transparent;"><b>Must have contract</b> under agreement to submit for funds. </li></ul><p data-sourcepos="22:1-22:39" style="background-color: white; color: #1f1f1f; font-family: "Google Sans", "Helvetica Neue", sans-serif; font-size: 16px; margin: 1rem 0px; scrollbar-color: rgb(218, 220, 224) transparent; white-space-collapse: preserve; word-break: break-word;"><span style="font-weight: 700; scrollbar-color: rgb(218, 220, 224) transparent;">Benefits of the Welcome Home Grant:</span></p><ul data-sourcepos="24:1-27:0" style="background-color: white; color: #1f1f1f; font-family: "Google Sans", "Helvetica Neue", sans-serif; font-size: 16px; margin: 4px 0px; padding-inline-start: 1.125rem; scrollbar-color: rgb(218, 220, 224) transparent;"><li data-sourcepos="24:1-24:123" style="margin-bottom: 0px; scrollbar-color: rgb(218, 220, 224) transparent;"><span style="font-weight: 700; scrollbar-color: rgb(218, 220, 224) transparent;">Significant financial assistance:</span> $20,000 can make a huge difference in lowering your down payment and closing costs.</li><li data-sourcepos="25:1-25:140" style="margin-bottom: 0px; scrollbar-color: rgb(218, 220, 224) transparent;"><span style="font-weight: 700; scrollbar-color: rgb(218, 220, 224) transparent;">More affordable monthly payments:</span> A smaller down payment translates to a lower mortgage amount and potentially lower monthly payments.</li><li data-sourcepos="26:1-27:0" style="margin-bottom: 0px; scrollbar-color: rgb(218, 220, 224) transparent;"><span style="font-weight: 700; scrollbar-color: rgb(218, 220, 224) transparent;">Opens doors to homeownership:</span> The grant can make homeownership more accessible for those facing financial constraints.</li></ul><p data-sourcepos="28:1-28:15" style="background-color: white; color: #1f1f1f; font-family: "Google Sans", "Helvetica Neue", sans-serif; font-size: 16px; margin: 1rem 0px; scrollbar-color: rgb(218, 220, 224) transparent; white-space-collapse: preserve; word-break: break-word;"><span style="font-weight: 700; scrollbar-color: rgb(218, 220, 224) transparent;">Next Steps:</span></p><ol data-sourcepos="30:1-34:0" style="background-color: white; color: #1f1f1f; font-family: "Google Sans", "Helvetica Neue", sans-serif; font-size: 16px; margin: 4px 0px; padding-inline-start: 1.75rem; scrollbar-color: rgb(218, 220, 224) transparent;"><li data-sourcepos="30:1-30:141" style="margin-bottom: 0px; scrollbar-color: rgb(218, 220, 224) transparent;"><span style="font-weight: 700; scrollbar-color: rgb(218, 220, 224) transparent;">Check your eligibility:</span> Visit the this <a href="https://kyfirsttimehomebuyer.wordpress.com/2024/01/20/kentucky-welcome-home-grant-5000-00/">Kentucky Welcome Home Grant Qualifying Criteria</a> or contact a participating lender to confirm you meet the income and other requirements. </li><li data-sourcepos="31:1-31:117" style="margin-bottom: 0px; scrollbar-color: rgb(218, 220, 224) transparent;"><span style="font-weight: 700; scrollbar-color: rgb(218, 220, 224) transparent;">Find a participating lender:</span> A list of participating lenders is available on the FHLBC website or here --->>><a href="https://kyfirsttimehomebuyer.wordpress.com/2024/01/20/kentucky-welcome-home-grant-5000-00/website" target="_blank"> Kentucky Lenders for Welcome Home Grant 2024</a>.</li><li data-sourcepos="32:1-32:123" style="margin-bottom: 0px; scrollbar-color: rgb(218, 220, 224) transparent;"><span style="font-weight: 700; scrollbar-color: rgb(218, 220, 224) transparent;">Get pre-approved:</span> Getting pre-approved shows the seller you're a serious buyer and helps you understand your budget.</li><li data-sourcepos="33:1-34:0" style="margin-bottom: 0px; scrollbar-color: rgb(218, 220, 224) transparent;"><span style="font-weight: 700; scrollbar-color: rgb(218, 220, 224) transparent;">Be prepared on March 1st:</span> Have all necessary documents ready to submit your reservation for the grant as soon as applications open.</li><li data-sourcepos="33:1-34:0" style="margin-bottom: 0px; scrollbar-color: rgb(218, 220, 224) transparent;">Income Limits for Kentucky Welcome Grant for all Kentucky Counties below:👇</li><li data-sourcepos="33:1-34:0" style="margin-bottom: 0px; scrollbar-color: rgb(218, 220, 224) transparent;">👉<a href="https://kentuckymortgage.wordpress.com/tag/kentucky-welcome-home-grant/">Kentucky welcome grant income limits for 2024 </a></li></ol><div><span face="Google Sans, Helvetica Neue, sans-serif" style="color: #1f1f1f;"><br /></span></div><div><span face="Google Sans, Helvetica Neue, sans-serif" style="color: #1f1f1f;"><br /></span></div><div><div style="box-sizing: border-box;"><div style="box-sizing: border-box;"><div style="box-sizing: border-box;"><div style="box-sizing: border-box;"><div style="box-sizing: border-box;"><div style="box-sizing: border-box;"><div style="box-sizing: border-box;"><h5 style="box-sizing: border-box; color: #147eb0; font-family: inherit; font-size: 1.25rem; line-height: 1.5625rem; margin: 0.625rem 0px;">Kentucky Welcome Home Buyer Eligibility</h5><div style="box-sizing: border-box;">A homebuyer would be eligible for the <a href="https://kentuckymortgage.wordpress.com/tag/kentucky-welcome-home-grant/">Kentucky Welcome Home grant </a>if all of the following guidelines are met:<br style="box-sizing: border-box;" /><br style="box-sizing: border-box;" /></div><ul style="box-sizing: border-box; margin-bottom: 1rem; margin-top: 0px;"><li style="box-sizing: border-box;">The total income for all occupants who will reside in the home is at or below 80 percent of the Mortgage Revenue Bond (MRB) limit for the county and state where the property is located;</li><li style="box-sizing: border-box;">A fully executed (signed by buyer and seller) purchase contract on an eligible property is in hand;</li><li style="box-sizing: border-box;">The homebuyer has at least $500 of their own funds to contribute towards down payment and/or closing costs; and,</li><li style="box-sizing: border-box;">If a first-time homebuyer (typically anyone who has not owned a home in the last three years), a satisfactory homebuyer counseling course is completed prior to the loan closing.<br style="box-sizing: border-box;" />Note: Applicants do not have to be first-time homebuyers.<br style="box-sizing: border-box;" /></li></ul><div style="box-sizing: border-box;"><h5 style="box-sizing: border-box; color: #147eb0; font-family: inherit; font-size: 1.25rem; line-height: 1.5625rem; margin: 0.625rem 0px;">Kentucky Property Eligibility</h5><div style="box-sizing: border-box;">The <a href="https://kentuckymortgage.wordpress.com/tag/kentucky-welcome-home-grant/">Kentucky Welcome Home grant </a>is available for various property types:<br style="box-sizing: border-box;" /><br style="box-sizing: border-box;" /></div><ul style="box-sizing: border-box; margin-bottom: 1rem; margin-top: 0px;"><li style="box-sizing: border-box;">The property will be the homebuyer’s primary residence;</li><li style="box-sizing: border-box;">The property is a single family, townhome, condominium, duplex, multi-unit (up to four family units) or a qualified manufactured home. (Manufactured homes may be eligible if they are taxed as real estate and affixed to a permanent foundation); and,</li><li style="box-sizing: border-box;">The property is subject to a legally enforceable five-year retention mechanism, included in the Deed or as a Declaration of Restrictive Covenants to the Deed, requiring the FHLB Cincinnati be given notice of any refinancing, sale, foreclosure, deed in-lieu of foreclosure, or change in ownership during the five year retention period.<br style="box-sizing: border-box;" /></li></ul></div></div> Beginning March 1, 2024, the Federal Home Loan Bank of Cincinnati offers grants of up to $25,000 for honorably discharged veterans, surviving spouses of military personnel, and active duty military homebuyers and up to $20,000 for all other homebuyers to assist with down payment and closing costs for income eligible homebuyers through the Welcome Home Program. Who are Eligible Homebuyers?<br /> A homebuyer would be eligible for the Welcome Home grant if all of the following guidelines are met: The total income for all occupants who will reside in the home is at or below 80 percent of the Mortgage Revenue Bond limit for the county and state where the property is located – <br /><br /><br />In Jefferson County 1 or 2 person families can make up to $71,760. 3-4 persons in the household cap at $82,584. The limits are slightly higher or lower in the surrounding counties like Bullitt, Henry, Oldham, Spencer, Hardin, Meade, Nelson and Spencer Counites. see limits below <br /><br /><br /><br />2024 Welcome Home Program for Kentucky Home Buyers<br /><br /><br />– Kentucky First-Time Homebuyer Loan Programs for FHA, VA, KHC and USDA<br /><br />2024 Income Limits Kentucky Welcome Program Below:<br /><br /><span style="color: red;"><br />Use the 80% limits for the Welcome Home Program</span><div style="box-sizing: border-box;"><p style="background-color: white; border: 0px; box-sizing: border-box; color: #666666; font-family: "Roboto Slab", Georgia, Times, serif; font-size: 18px; margin: 0px 0px 27px; outline: 0px; padding: 0px; vertical-align: baseline;"></p><figure class="wp-block-table" style="background-color: white; box-sizing: border-box; color: #666666; font-family: "Roboto Slab", Georgia, Times, serif; font-size: 18px; margin: 0px; overflow-x: auto;"><table style="border-collapse: collapse; border-spacing: 0px; border: 0px; font-family: inherit; font-size: 18px; font-style: inherit; font-weight: inherit; margin: 0px 0px 27px; outline: 0px; padding: 0px; vertical-align: baseline; width: 655.9px;"><tbody style="border: 0px; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"><tr style="border: 0px; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"><td colspan="2" style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;"> </td><td colspan="2" style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;"><span style="border: 0px; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: 700; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;">100% limits</span><span style="border: 0px; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: 700; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"></span></td><td colspan="2" style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;"><span style="border: 0px; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: 700; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"><span style="color: red;">80% limits**</span></span><span style="border: 0px; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: 700; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"></span></td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;"> </td></tr><tr style="border: 0px; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;"> </td><td colspan="2" style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;"><span style="border: 0px; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: 700; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;">1-2 Persons</span><span style="border: 0px; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: 700; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"></span></td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;"><span style="border: 0px; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: 700; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;">3 + Persons</span><span style="border: 0px; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: 700; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"></span></td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;"><span style="border: 0px; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: 700; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;">1-2 Persons</span><span style="border: 0px; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: 700; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"></span></td><td colspan="2" style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;"><span style="border: 0px; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: 700; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;">3 + Persons</span><span style="border: 0px; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: 700; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"></span></td></tr><tr style="border: 0px; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">Adair</td><td colspan="2" style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 78,600</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 90,390</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 62,880</td><td colspan="2" style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 72,312</td></tr><tr style="border: 0px; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">Allen</td><td colspan="2" style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 78,600</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 91,420</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 62,880</td><td colspan="2" style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 73,136</td></tr><tr style="border: 0px; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">Anderson</td><td colspan="2" style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 86,270</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 99,210</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 69,016</td><td colspan="2" style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 79,368</td></tr><tr style="border: 0px; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">Ballard</td><td colspan="2" style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 80,400</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 93,800</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 64,320</td><td colspan="2" style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 75,040</td></tr><tr style="border: 0px; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">Barren</td><td colspan="2" style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 78,600</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 90,390</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 62,880</td><td colspan="2" style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 72,312</td></tr><tr style="border: 0px; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">Bath</td><td colspan="2" style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 94,320</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 110,040</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 75,456</td><td colspan="2" style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 88,032</td></tr><tr style="border: 0px; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">Bell</td><td colspan="2" style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 94,320</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 110,040</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 75,456</td><td colspan="2" style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 88,032</td></tr><tr style="border: 0px; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">Boone</td><td colspan="2" style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 101,100</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 116,265</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 80,880</td><td colspan="2" style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 93,012</td></tr><tr style="border: 0px; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">Bourbon</td><td colspan="2" style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 89,300</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 102,695</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 71,440</td><td colspan="2" style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 82,156</td></tr><tr style="border: 0px; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">Boyd</td><td colspan="2" style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 83,040</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 96,880</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 66,432</td><td colspan="2" style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 77,504</td></tr><tr style="border: 0px; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">Boyle</td><td colspan="2" style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 80,760</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 94,220</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 64,608</td><td colspan="2" style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 75,376</td></tr><tr style="border: 0px; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">Bracken</td><td colspan="2" style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 101,100</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 116,265</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 80,880</td><td colspan="2" style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 93,012</td></tr><tr style="border: 0px; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">Breathitt</td><td colspan="2" style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 94,320</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 110,040</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 75,456</td><td colspan="2" style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 88,032</td></tr><tr style="border: 0px; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">Breckinridge</td><td colspan="2" style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 87,410</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 100,521</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 69,928</td><td colspan="2" style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 80,417</td></tr><tr style="border: 0px; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">Bullitt</td><td colspan="2" style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 89,700</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 103,155</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 71,760</td><td colspan="2" style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 82,524</td></tr><tr style="border: 0px; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">Butler</td><td colspan="2" style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 78,600</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 91,420</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 62,880</td><td colspan="2" style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 73,136</td></tr><tr style="border: 0px; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">Caldwell</td><td colspan="2" style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 84,480</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 98,560</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 67,584</td><td colspan="2" style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 78,848</td></tr><tr style="border: 0px; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">Calloway</td><td colspan="2" style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 82,560</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 96,320</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 66,048</td><td colspan="2" style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 77,056</td></tr><tr style="border: 0px; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">Campbell</td><td colspan="2" style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 101,100</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 116,265</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 80,880</td><td colspan="2" style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 93,012</td></tr><tr style="border: 0px; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">Carlisle</td><td colspan="2" style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 78,600</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 90,860</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 62,880</td><td colspan="2" style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 72,688</td></tr><tr style="border: 0px; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">Carroll</td><td colspan="2" style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 78,600</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 90,390</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 62,880</td><td colspan="2" style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 72,312</td></tr><tr style="border: 0px; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">Carter</td><td colspan="2" style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 94,320</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 110,040</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 75,456</td><td colspan="2" style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 88,032</td></tr><tr style="border: 0px; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">Casey</td><td colspan="2" style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 94,320</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 110,040</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 75,456</td><td colspan="2" style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 88,032</td></tr><tr style="border: 0px; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">Christian</td><td colspan="2" style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 87,590</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 100,728</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 70,072</td><td colspan="2" style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 80,582</td></tr><tr style="border: 0px; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">Clark</td><td colspan="2" style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 89,300</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 102,695</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 71,440</td><td colspan="2" style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 82,156</td></tr><tr style="border: 0px; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">Clay</td><td colspan="2" style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 94,320</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 110,040</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 75,456</td><td colspan="2" style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 88,032</td></tr><tr style="border: 0px; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">Clinton</td><td colspan="2" style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 94,320</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 110,040</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 75,456</td><td colspan="2" style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 88,032</td></tr><tr style="border: 0px; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">Crittenden</td><td colspan="2" style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 83,760</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 97,720</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 67,008</td><td colspan="2" style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 78,176</td></tr><tr style="border: 0px; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">Cumberland</td><td colspan="2" style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 78,600</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 90,390</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 62,880</td><td colspan="2" style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 72,312</td></tr><tr style="border: 0px; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">Daviess</td><td colspan="2" style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 86,950</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 99,992</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 69,560</td><td colspan="2" style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 79,994</td></tr><tr style="border: 0px; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">Edmonson</td><td colspan="2" style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 86,650</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 99,647</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 69,320</td><td colspan="2" style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 79,718</td></tr><tr style="border: 0px; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">Elliott</td><td colspan="2" style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 94,320</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 110,040</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 75,456</td><td colspan="2" style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 88,032</td></tr><tr style="border: 0px; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;"></td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;"></td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;"></td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;"></td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;"></td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;"></td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;"></td></tr></tbody></table></figure><figure class="wp-block-table" style="background-color: white; box-sizing: border-box; color: #666666; font-family: "Roboto Slab", Georgia, Times, serif; font-size: 18px; margin: 0px; overflow-x: auto;"><table style="border-collapse: collapse; border-spacing: 0px; border: 0px; font-family: inherit; font-size: 18px; font-style: inherit; font-weight: inherit; margin: 0px 0px 27px; outline: 0px; padding: 0px; vertical-align: baseline; width: 655.9px;"><tbody style="border: 0px; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"><tr style="border: 0px; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"><td rowspan="2" style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;"><span style="border: 0px; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: 700; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"> </span> <span style="border: 0px; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: 700; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;">County</span><span style="border: 0px; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: 700; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"></span></td><td colspan="2" style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;"><span style="border: 0px; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: 700; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;">100% limits</span><span style="border: 0px; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: 700; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"></span></td><td colspan="2" style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;"><span style="border: 0px; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: 700; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;">80% limits</span><span style="border: 0px; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: 700; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"></span></td></tr><tr style="border: 0px; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;"><span style="border: 0px; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: 700; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;">1-2 Persons</span><span style="border: 0px; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: 700; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"></span></td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;"><span style="border: 0px; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: 700; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;">3 + Persons</span><span style="border: 0px; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: 700; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"></span></td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;"><span style="border: 0px; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: 700; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;">1-2 Persons</span><span style="border: 0px; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: 700; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"></span></td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;"><span style="border: 0px; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: 700; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;">3 + Persons</span><span style="border: 0px; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: 700; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"></span></td></tr><tr style="border: 0px; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">Estill</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 94,320</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 110,040</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 75,456</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 88,032</td></tr><tr style="border: 0px; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">Fayette</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 89,300</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 102,695</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 71,440</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 82,156</td></tr><tr style="border: 0px; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">Fleming</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 78,600</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 90,390</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 62,880</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 72,312</td></tr><tr style="border: 0px; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">Floyd</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 94,320</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 110,040</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 75,456</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 88,032</td></tr><tr style="border: 0px; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">Franklin</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 85,430</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 98,244</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 68,344</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 78,595</td></tr><tr style="border: 0px; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">Fulton</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 78,600</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 90,390</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 62,880</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 72,312</td></tr><tr style="border: 0px; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">Gallatin</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 101,100</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 116,265</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 80,880</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 93,012</td></tr><tr style="border: 0px; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">Garrard</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 87,210</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 100,291</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 69,768</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 80,233</td></tr><tr style="border: 0px; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">Grant</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 79,560</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 92,820</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 63,648</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 74,256</td></tr><tr style="border: 0px; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">Graves</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 83,160</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 97,020</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 66,528</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 77,616</td></tr><tr style="border: 0px; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">Grayson</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 78,600</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 90,390</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 62,880</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 72,312</td></tr><tr style="border: 0px; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">Green</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 78,600</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 90,390</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 62,880</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 72,312</td></tr><tr style="border: 0px; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">Greenup</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 83,040</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 96,880</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 66,432</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 77,504</td></tr><tr style="border: 0px; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">Hancock</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 86,950</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 99,992</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 69,560</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 79,994</td></tr><tr style="border: 0px; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">Hardin</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 86,750</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 99,762</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 69,400</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 79,810</td></tr><tr style="border: 0px; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">Harlan</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 94,320</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 110,040</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 75,456</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 88,032</td></tr><tr style="border: 0px; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">Harrison</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 87,250</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 100,337</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 69,800</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 80,270</td></tr><tr style="border: 0px; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">Hart</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 78,600</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 90,390</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 62,880</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 72,312</td></tr><tr style="border: 0px; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">Henderson</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 87,300</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 100,395</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 69,840</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 80,316</td></tr><tr style="border: 0px; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">Henry</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 89,700</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 103,155</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 71,760</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 82,524</td></tr><tr style="border: 0px; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">Hickman</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 79,560</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 92,820</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 63,648</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 74,256</td></tr><tr style="border: 0px; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">Hopkins</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 80,640</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 94,080</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 64,512</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 75,264</td></tr><tr style="border: 0px; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">Jackson</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 94,320</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 110,040</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 75,456</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 88,032</td></tr><tr style="border: 0px; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">Jefferson</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 89,700</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 103,155</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 71,760</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 82,524</td></tr><tr style="border: 0px; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">Jessamine</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 89,300</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 102,695</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 71,440</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 82,156</td></tr><tr style="border: 0px; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">Johnson</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 94,320</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 110,040</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 75,456</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 88,032</td></tr><tr style="border: 0px; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">Kenton</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 101,100</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 116,265</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 80,880</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 93,012</td></tr><tr style="border: 0px; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">Knott</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 94,320</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 110,040</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 75,456</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 88,032</td></tr><tr style="border: 0px; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">Knox</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 94,320</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 110,040</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 75,456</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 88,032</td></tr><tr style="border: 0px; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">Larue</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 86,750</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 99,762</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 69,400</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 79,810</td></tr><tr style="border: 0px; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">Laurel</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 78,600</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 90,390</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 62,880</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 72,312</td></tr><tr style="border: 0px; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">Lawrence</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 94,320</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 110,040</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 75,456</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 88,032</td></tr><tr style="border: 0px; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">Lee</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 94,320</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 110,040</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 75,456</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 88,032</td></tr><tr style="border: 0px; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">Leslie</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 94,320</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 110,040</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 75,456</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 88,032</td></tr><tr style="border: 0px; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">Letcher</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 94,320</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 110,040</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 75,456</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 88,032</td></tr><tr style="border: 0px; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">Lewis</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 94,320</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 110,040</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 75,456</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 88,032</td></tr><tr style="border: 0px; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">Lincoln</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 78,600</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 90,390</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 62,880</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 72,312</td></tr><tr style="border: 0px; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">Livingston</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 82,320</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 96,040</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 65,856</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 76,832</td></tr><tr style="border: 0px; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">Logan</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 80,760</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 94,220</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 64,608</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 75,376</td></tr><tr style="border: 0px; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">Lyon</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 87,310</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 100,406</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 69,848</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 80,325</td></tr></tbody></table></figure><figure class="wp-block-table" style="background-color: white; box-sizing: border-box; color: #666666; font-family: "Roboto Slab", Georgia, Times, serif; font-size: 18px; margin: 0px; overflow-x: auto;"><table style="border-collapse: collapse; border-spacing: 0px; border: 0px; font-family: inherit; font-size: 18px; font-style: inherit; font-weight: inherit; margin: 0px 0px 27px; outline: 0px; padding: 0px; vertical-align: baseline; width: 655.9px;"><tbody style="border: 0px; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"><tr style="border: 0px; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"><td rowspan="2" style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;"><span style="border: 0px; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: 700; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"> </span> <span style="border: 0px; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: 700; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;">County</span><span style="border: 0px; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: 700; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"></span></td><td colspan="2" style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;"><span style="border: 0px; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: 700; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;">100% limits</span><span style="border: 0px; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: 700; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"></span></td><td colspan="2" style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;"><span style="border: 0px; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: 700; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;">80% limits</span><span style="border: 0px; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: 700; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"></span></td></tr><tr style="border: 0px; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;"><span style="border: 0px; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: 700; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;">1-2 Persons</span><span style="border: 0px; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: 700; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"></span></td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;"><span style="border: 0px; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: 700; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;">3 + Persons</span><span style="border: 0px; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: 700; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"></span></td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;"><span style="border: 0px; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: 700; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;">1-2 Persons</span><span style="border: 0px; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: 700; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"></span></td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;"><span style="border: 0px; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: 700; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;">3 + Persons</span><span style="border: 0px; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: 700; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"></span></td></tr><tr style="border: 0px; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">McCracken</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 87,130</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 100,199</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 69,704</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 80,159</td></tr><tr style="border: 0px; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">McCreary</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 94,320</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 110,040</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 75,456</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 88,032</td></tr><tr style="border: 0px; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">McLean</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 86,950</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 99,992</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 69,560</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 79,994</td></tr><tr style="border: 0px; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">Madison</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 86,910</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 99,946</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 69,528</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 79,957</td></tr><tr style="border: 0px; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">Magoffin</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 94,320</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 110,040</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 75,456</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 88,032</td></tr><tr style="border: 0px; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">Marion</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 80,760</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 94,220</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 64,608</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 75,376</td></tr><tr style="border: 0px; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">Marshall</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 86,030</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 98,934</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 68,824</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 79,147</td></tr><tr style="border: 0px; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">Martin</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 94,320</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 110,040</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 75,456</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 88,032</td></tr><tr style="border: 0px; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">Mason</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 85,920</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 100,240</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 68,736</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 80,192</td></tr><tr style="border: 0px; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">Meade</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 85,790</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 98,658</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 68,632</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 78,926</td></tr><tr style="border: 0px; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">Menifee</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 94,320</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 110,040</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 75,456</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 88,032</td></tr><tr style="border: 0px; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">Mercer</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 86,730</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 99,739</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 69,384</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 79,791</td></tr><tr style="border: 0px; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">Metcalfe</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 94,320</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 110,040</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 75,456</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 88,032</td></tr><tr style="border: 0px; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">Monroe</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 78,600</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 90,390</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 62,880</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 72,312</td></tr><tr style="border: 0px; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">Montgomery</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 78,600</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 91,140</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 62,880</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 72,912</td></tr><tr style="border: 0px; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">Morgan</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 94,320</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 110,040</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 75,456</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 88,032</td></tr><tr style="border: 0px; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">Muhlenberg</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 78,600</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 91,700</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 62,880</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 73,360</td></tr><tr style="border: 0px; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">Nelson</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 85,170</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 97,945</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 68,136</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 78,356</td></tr><tr style="border: 0px; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">Nicholas</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 78,600</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 90,860</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 62,880</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 72,688</td></tr><tr style="border: 0px; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">Ohio</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 78,600</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 90,390</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 62,880</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 72,312</td></tr><tr style="border: 0px; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">Oldham</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 89,700</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 103,155</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 71,760</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 82,524</td></tr><tr style="border: 0px; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">Owen</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 78,600</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 91,700</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 62,880</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 73,360</td></tr><tr style="border: 0px; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">Owsley</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 94,320</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 110,040</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 75,456</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 88,032</td></tr><tr style="border: 0px; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">Pendleton</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 101,100</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 116,265</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 80,880</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 93,012</td></tr><tr style="border: 0px; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">Perry</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 94,320</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 110,040</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 75,456</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 88,032</td></tr><tr style="border: 0px; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">Pike</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 94,320</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 110,040</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 75,456</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 88,032</td></tr><tr style="border: 0px; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">Powell</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 94,320</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 110,040</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 75,456</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 88,032</td></tr><tr style="border: 0px; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">Pulaski</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 78,600</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 90,390</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 62,880</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 72,312</td></tr><tr style="border: 0px; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">Robertson</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 94,320</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 110,040</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 75,456</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 88,032</td></tr><tr style="border: 0px; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">Rockcastle</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 94,320</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 110,040</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 75,456</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 88,032</td></tr><tr style="border: 0px; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">Rowan</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 94,320</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 110,040</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 75,456</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 88,032</td></tr><tr style="border: 0px; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">Russell</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 78,600</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 90,860</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 62,880</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 72,688</td></tr><tr style="border: 0px; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">Scott</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 89,300</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 102,695</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 71,440</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 82,156</td></tr><tr style="border: 0px; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">Shelby</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 92,700</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 106,605</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 74,160</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 85,284</td></tr><tr style="border: 0px; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">Simpson</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 82,920</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 96,740</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 66,336</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 77,392</td></tr><tr style="border: 0px; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">Spencer</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 89,700</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 103,155</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 71,760</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 82,524</td></tr><tr style="border: 0px; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">Taylor</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 78,600</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 90,390</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 62,880</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 72,312</td></tr><tr style="border: 0px; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">Todd</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 78,600</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 90,390</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 62,880</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 72,312</td></tr><tr style="border: 0px; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">Trigg</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 87,590</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 100,728</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 70,072</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 80,582</td></tr><tr style="border: 0px; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">Trimble</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 86,770</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 99,785</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 69,416</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 79,828</td></tr></tbody></table></figure><figure class="wp-block-table" style="background-color: white; box-sizing: border-box; color: #666666; font-family: "Roboto Slab", Georgia, Times, serif; font-size: 18px; margin: 0px; overflow-x: auto;"><table style="border-collapse: collapse; border-spacing: 0px; border: 0px; font-family: inherit; font-size: 18px; font-style: inherit; font-weight: inherit; margin: 0px 0px 27px; outline: 0px; padding: 0px; vertical-align: baseline; width: 655.9px;"><tbody style="border: 0px; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"><tr style="border: 0px; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"><td rowspan="2" style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;"> </td><td colspan="2" style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;"><span style="border: 0px; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: 700; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;">100% limits</span><span style="border: 0px; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: 700; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"></span></td><td colspan="2" style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;"><span style="border: 0px; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: 700; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;">80% limits</span><span style="border: 0px; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: 700; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"></span></td></tr><tr style="border: 0px; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;"> </td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;"> </td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;"> </td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;"> </td></tr><tr style="border: 0px; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">Union</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 78,600</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 91,420</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 62,880</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 73,136</td></tr><tr style="border: 0px; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">Warren</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 86,650</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 99,647</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 69,320</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 79,718</td></tr><tr style="border: 0px; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">Washington</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 87,090</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 100,153</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 69,672</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 80,122</td></tr><tr style="border: 0px; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">Wayne</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 94,320</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 110,040</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 75,456</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 88,032</td></tr><tr style="border: 0px; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">Webster</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 78,600</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 90,390</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 62,880</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 72,312</td></tr><tr style="border: 0px; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">Whitley</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 94,320</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 110,040</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 75,456</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 88,032</td></tr><tr style="border: 0px; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">Wolfe</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 94,320</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 110,040</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 75,456</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 88,032</td></tr><tr style="border: 0px; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">Woodford</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 89,300</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 102,695</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 71,440</td><td style="border-collapse: collapse; border: 1px solid; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0.5em; vertical-align: baseline;">$ 82,156</td></tr></tbody></table><figcaption class="wp-element-caption" style="box-sizing: border-box; color: inherit; font-size: 14.6px;">Home Buyer Eligibility</figcaption><figcaption class="wp-element-caption" style="box-sizing: border-box; color: inherit; font-size: 14.6px;"><br style="box-sizing: border-box;" />A homebuyer would be eligible for the Welcome Home grant if all of the following guidelines are met:<br style="box-sizing: border-box;" /><br style="box-sizing: border-box;" /><br style="box-sizing: border-box;" />The total income for all occupants who will reside in the home is at or below 80 percent of the Mortgage Revenue Bond (MRB) limit for the county and state where the property is located;<br style="box-sizing: border-box;" />A fully executed (signed by buyer and seller) purchase contract on an eligible property is in hand;<br style="box-sizing: border-box;" />The homebuyer has at least $500 of their own funds to contribute towards down payment and/or closing costs; and,</figcaption><figcaption class="wp-element-caption" style="box-sizing: border-box; color: inherit; font-size: 14.6px;"><br style="box-sizing: border-box;" />If a first-time homebuyer (typically anyone who has not owned a home in the last three years), a satisfactory homebuyer counseling course is completed prior to the loan closing.<br style="box-sizing: border-box;" />Note: Applicants do not have to be first-time homebuyers.<br style="box-sizing: border-box;" /><br style="box-sizing: border-box;" />Property Eligibility</figcaption><figcaption class="wp-element-caption" style="box-sizing: border-box; color: inherit; font-size: 14.6px;"><br style="box-sizing: border-box;" />The Welcome Home grant is available for various property types:<br style="box-sizing: border-box;" /><br style="box-sizing: border-box;" /><br style="box-sizing: border-box;" />The property will be the homebuyer’s primary residence;<br style="box-sizing: border-box;" />The property is a single family, townhome, condominium, duplex, multi-unit (up to four family units) or a qualified manufactured home. (Manufactured homes may be eligible if they are taxed as real estate and affixed to a permanent foundation); and,<br style="box-sizing: border-box;" />The property is subject to a legally enforceable five-year retention mechanism, included in the Deed or as a Declaration of Restrictive Covenants to the Deed, requiring the FHLB Cincinnati be given notice of any refinancing, sale, foreclosure, deed in-lieu of foreclosure, or change in ownership during the five year retention period.<br style="box-sizing: border-box;" /><br style="box-sizing: border-box;" /><br style="box-sizing: border-box;" />—<br style="box-sizing: border-box;" /><span style="border: 0px; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: 700; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;">Joel Lobb Mortgage Loan Officer</span><br style="box-sizing: border-box;" /><span style="border: 0px; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: 700; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;">American Mortgage Solutions, Inc.</span><br style="box-sizing: border-box;" /><span style="border: 0px; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: 700; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;">10602 Timberwood Circle</span><br style="box-sizing: border-box;" /><span style="border: 0px; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: 700; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;">Louisville, KY 40223</span><br style="box-sizing: border-box;" /><span style="border: 0px; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: 700; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;">Company NMLS ID #1364</span><br style="box-sizing: border-box;" /><br style="box-sizing: border-box;" /><span style="border: 0px; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: 700; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;">Text/call: 502-905-3708</span><br style="box-sizing: border-box;" /><span style="border: 0px; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: 700; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;">fax: 502-327-9119<br style="box-sizing: border-box;" />email: <a href="mailto:kentuckyloan@gmail.com" rel="noreferrer noopener" style="border: 0px; box-sizing: border-box; color: #1c7c7c; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; text-decoration-line: none; transition: all 0.2s ease-in-out 0s; vertical-align: baseline;" target="_blank">kentuckyloan@gmail.com</a></span><br style="box-sizing: border-box;" /><span style="border: 0px; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: 700; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"><a href="https://u6837958.ct.sendgrid.net/ls/click?upn=yDl4ONl2FnWoxI2oUNFFdRLTTAUR6y90NKFY4MVDgLrvgV5JMFyv678UBGQn5ITz-2F9bBlLpKi1T8g4odG86bqA-3D-3D4dbF_1UNj7hvg7uUE8G5zDMsBgP0qkAFLLWYc62YOGAQ6BSEELGOxNkZE13wbiOroZAYR0-2FUM4CYCCXkRTkFayVZSfjJ5dPRpECoVgXmtswvjQYMs3nyfHkCAWNreolgwA9vpSrTKFvOpkb1Zo4WNFjjBzgblYoXbwHuJHSL0qfi7a3IcVIRp9IA17ZuZtCdnOLKVctzNhv5qM8dw0siqXVRKhUcHKbT2aSp-2FdibS3FZokq3haw5OCmFZPSo5GwU0QJd9QfE-2FjbZ6cC9waLaLOqLjLHNvvS6K5VgF5qw5UD9HtcmUMZGrnEfRViPpToLA7aNgoH4obFiHJV-2FNKDKYvnN3ExcA2OXosEMlF69ic5bGmNCW6EM2XWsTL-2FNHuYV8vPC9cDr9Ju4mZV8Dk4QjPeXmHxmFa0Bzfn8tkSylyZY-2FUoQ8IuS-2B51ApxVtwC0M6wEyzPLRySS9CkBsJ2or6yCT3uppB8UHa8Pz-2Brv8QlzKhM8g-3D" rel="noreferrer noopener" style="border: 0px; box-sizing: border-box; color: #1c7c7c; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; text-decoration-line: none; transition: all 0.2s ease-in-out 0s; vertical-align: baseline;" target="_blank">http://www.mylouisvillekentuckymortgage.com/</a></span><br style="box-sizing: border-box;" /><br style="box-sizing: border-box;" /><img height="51" src="https://blogger.googleusercontent.com/img/proxy/AVvXsEgeaLkI_RvIltVOwlyUAZmSdHesZYYDaBp3EePm9gmEKg3cVDTxF0-WNTp9Ci9ATngYM2O8SzwsgfF-JNpLRtAvVWEo6CEPJx3SeAvteKt5doVHwDBaXFlwuHCHIdbiuFv1z2KnS49xaws26vf6y5xNm9-hmi2tevcdvIUwHfSgMw1xHrkD5BagNZpjFJKpHKuLug0ejQ=s0-d-e1-ft" style="box-sizing: border-box; height: auto; max-width: 100%;" width="200" /></figcaption></figure></div><div style="box-sizing: border-box;"><span style="background-color: rgba(0, 0, 0, 0.05); color: #131313; font-family: Roboto, Arial, sans-serif; font-size: 14px; white-space-collapse: preserve;"><br /></span></div><div style="box-sizing: border-box;"><span style="background-color: rgba(0, 0, 0, 0.05); color: #131313; font-family: Roboto, Arial, sans-serif; font-size: 14px; white-space-collapse: preserve;">
A fully executed (signed by buyer and seller) purchase contract on an eligible property is in hand;
The homebuyer has at least $500 of their own funds to contribute towards down payment and/or
closing costs; And,
If a first-time homebuyer (typically anyone who has not owned a home in the last three years), a
satisfactory homebuyer counseling course is completed prior to the loan closing.
YOU DO NOT HAVE TO BE A FIRST-TIME BUYER TO OBTAIN THIS GRANT.
What is an Eligible Property?
A property would be eligible if all of the following guidelines are met:
The property will be the homebuyer’s primary residence;
The property is a single family, townhome, condominium, duplex, multi-unit (up to four family units);
And, The property is subject to a legally enforceable five-year retention mechanism – this means it is forgiven at a rate of 20% per year and if you sell before 5 years, they will be repaid part of the grant.</span></div><div style="box-sizing: border-box;"><br /></div></div></div></div></div></div></div><div><div class="gmail_signature" data-smartmail="gmail_signature" dir="ltr"><div dir="ltr"><div style="color: #222222; font-family: Roboto, RobotoDraft, Helvetica, Arial, sans-serif; margin: 0px; padding: 0px 0px 20px; width: 1290.67px;"><div style="margin: 8px 0px 0px; padding: 0px;"><div dir="ltr"><div dir="ltr"><div dir="ltr"><div dir="ltr"><div dir="ltr"><div dir="ltr"><div dir="ltr"><div dir="ltr"><div style="font-size: 12.8px;"><div dir="ltr"><h1><strong style="font-size: small;">Joel Lobb </strong><strong style="font-size: small;">Mortgage Loan Officer</strong></h1><strong>American Mortgage Solutions, Inc.</strong><br /><strong>10602 Timberwood Circle</strong><br /><strong>Louisville, KY 40223</strong><br /><strong>Company NMLS ID #1364</strong><br /><br /><span style="color: red;"><strong>Text/call: 502-905-3708</strong><br /><strong>fax: 502-327-9119<br />email:</strong></span><strong><span style="color: red;"> <a href="mailto:joel@loansolutionsnow.com" target="_blank">joel@loansolutionsnow.com</a></span></strong><br /><p><strong><a href="https://u6837958.ct.sendgrid.net/ls/click?upn=yDl4ONl2FnWoxI2oUNFFdRLTTAUR6y90NKFY4MVDgLrvgV5JMFyv678UBGQn5ITz-2F9bBlLpKi1T8g4odG86bqA-3D-3D4dbF_1UNj7hvg7uUE8G5zDMsBgP0qkAFLLWYc62YOGAQ6BSEELGOxNkZE13wbiOroZAYR0-2FUM4CYCCXkRTkFayVZSfjJ5dPRpECoVgXmtswvjQYMs3nyfHkCAWNreolgwA9vpSrTKFvOpkb1Zo4WNFjjBzgblYoXbwHuJHSL0qfi7a3IcVIRp9IA17ZuZtCdnOLKVctzNhv5qM8dw0siqXVRKhUcHKbT2aSp-2FdibS3FZokq3haw5OCmFZPSo5GwU0QJd9QfE-2FjbZ6cC9waLaLOqLjLHNvvS6K5VgF5qw5UD9HtcmUMZGrnEfRViPpToLA7aNgoH4obFiHJV-2FNKDKYvnN3ExcA2OXosEMlF69ic5bGmNCW6EM2XWsTL-2FNHuYV8vPC9cDr9Ju4mZV8Dk4QjPeXmHxmFa0Bzfn8tkSylyZY-2FUoQ8IuS-2B51ApxVtwC0M6wEyzPLRySS9CkBsJ2or6yCT3uppB8UHa8Pz-2Brv8QlzKhM8g-3D" style="color: #1155cc;" target="_blank"><span style="color: red;">http://www.mylouisvillekentuckymortgage.com/</span></a></strong></p><p></p><p><img height="51" jslog="138226; u014N:xr6bB; 53:WzEsMV0." src="https://blogger.googleusercontent.com/img/proxy/AVvXsEho67m63xTHbIGoz7ecfJibwAuWUSk5j-oEBivK_KCWZcX3Ti_5XVLhUcEpSMVK8SgADjgH4GeqTXxlvq0YrfryNTBFxfNHTe6WOsMnzvQq-CBeUnqgLLpoZlNNWCdS8QcEabbY15EHQ_6uSURlsVQAUoQJGAqBl9uLsODSvKILXcoRngWUGvJd6rlN8um-brkh8CfZDg=s0-d-e1-ft" width="200" /></p><p><img src="https://blogger.googleusercontent.com/img/proxy/AVvXsEhfUflvoHihINKK7IdLzXCBSKjw9Xk2HtGndRjqQ2jUXT9q8WU7UeThhnlI2a3igD4YlUgOv6WNUl40xtECjKrG-7J9lTKD6f5D-PqaM68YYkYY91eDfIEdwmLxhpdalB7E9oRMOmubtVbv6_JtSluDZPKa7NsaVSgJgmD1qHeXQ1Ck8isY1aEDdiBuS-eSgpNn7LbVM1H8TphFS1upzJmr_VOKGhuGoCk=s0-d-e1-ft" /></p><p></p><div dir="ltr"><br /></div><div dir="ltr"><span color="rgba(0,0,0,0.9)" face="-apple-system,system-ui,BlinkMacSystemFont,"Segoe UI",Roboto,"Helvetica Neue","Fira Sans",Ubuntu,Oxygen,"Oxygen Sans",Cantarell,"Droid Sans","Apple Color Emoji","Segoe UI Emoji","Segoe UI Emoji","Segoe UI Symbol","Lucida Grande",Helvetica,Arial,sans-serif" style="font-size: 14px;">NMLS 57916 | Company NMLS #1364/MB73346135166/MBR1574</span><br style="color: rgba(0, 0, 0, 0.9); font-family: -apple-system, system-ui, BlinkMacSystemFont, "Segoe UI", Roboto, "Helvetica Neue", "Fira Sans", Ubuntu, Oxygen, "Oxygen Sans", Cantarell, "Droid Sans", "Apple Color Emoji", "Segoe UI Emoji", "Segoe UI Emoji", "Segoe UI Symbol", "Lucida Grande", Helvetica, Arial, sans-serif; font-size: 14px; line-height: inherit;" /><a href="https://americanmtgsolutions.shapeportal.com/ref/19" target="_blank">Get Approved Now Click Here</a></div><div dir="ltr"><br /></div>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<a href="https://u6837958.ct.sendgrid.net/ls/click?upn=QeGBzuH2Omh4G8v1pXHrQS1g6H2Ok594vLcQnW1lyknbckT67tKaQxT6SPyLpSBloqscNlovnnm3AOysbnWTaj-2BEa-2Bi44k0mS6qPov-2FyXrtlMMntK0Trk1bXKiEA8kCu-2FnQDsNqk1wqPGQQZERhBwZ-2BBdcOoZEDZJGo0DHn7sYU-3DF83G_1UNj7hvg7uUE8G5zDMsBgP0qkAFLLWYc62YOGAQ6BSEELGOxNkZE13wbiOroZAYR0-2FUM4CYCCXkRTkFayVZSfjJ5dPRpECoVgXmtswvjQYMs3nyfHkCAWNreolgwA9vpSrTKFvOpkb1Zo4WNFjjBzgblYoXbwHuJHSL0qfi7a3IcVIRp9IA17ZuZtCdnOLKVctzNhv5qM8dw0siqXVRKhUcHKbT2aSp-2FdibS3FZokq3haw5OCmFZPSo5GwU0QJd9QfE-2FjbZ6cC9waLaLOqLjLHNvvS6K5VgF5qw5UD9HtcmUMZGrnEfRViPpToLA7aNgoH4obFiHJV-2FNKDKYvnN3E8mXPtRwdvTqpF-2FzdZQKf0Zrcct3qxCd3tMbXsUnenctfeDPBzyHasznmrVwNnv0IL-2FsfFTKOnGT1LY7DJqhBoDyJD8k-2FhwTuhMq7hBh-2BXB4Y4LicUOAkIjfxiXGkdP9EYCaeui4Cb3JBlBC0TUTYls-3D" style="color: #1155cc;" target="_blank">, </a>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.<br />NMLS ID# 57916, (<a href="http://www.nmlsconsumeraccess.org/" style="color: #1155cc;" target="_blank">www.nmlsconsumeraccess.org</a>).</div><div dir="ltr"><br /></div><div dir="ltr"><br /></div><div dir="ltr"><iframe allowfullscreen="" class="BLOG_video_class" height="266" src="https://www.youtube.com/embed/Gv7qfG6Sgn0" width="320" youtube-src-id="Gv7qfG6Sgn0"></iframe></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div></div><div><iframe allowfullscreen="" class="BLOG_video_class" height="266" src="https://www.youtube.com/embed/52-ufJ4lgvo" width="320" youtube-src-id="52-ufJ4lgvo"></iframe></div>Joel Lobb, Mortgage Broker FHA, VA, KHC, USDAhttp://www.blogger.com/profile/14742291613632757087noreply@blogger.com