I specialize in Kentucky First Time Homebuyers FHA, VA, USDA & Rural Housing, KHC and Fannie Mae mortgage loans. I have helped over 1300 Kentucky families buy their first home or refinance their current mortgage for a lower payment; Kentucky First time buyers we still how available down payment assistance with KHC. Free Mortgage applications/ same day approvals. Web site is not endorsed by the FHA, VA, USDA govt agency. Text/call 502-905-3708 kentuckyloan@gmail.com NMLS 57916 NMLS 1738461
KHC Announces$2,000 Closing Cost Grant Available for 180 Borrowers
Effective with new reservations TODAY,Tuesday, July 15, 2025, Kentucky Housing Corporation (KHC) will offer a limited-time $2,000 closing cost grant. Funding has been made available for 180 loans.
Remaining funds will be updated weekly on the PowerLender dashboard.
First-come, first-served until funds are exhausted.
Purchase transactions only.
List as a grant in Desktop Underwriter (DU) and Loan Product Advisor (LPA).
List as a gift in the Guaranteed Underwriting System (GUS).
Can be used with KHC Down payment Assistance Program (DAP).
A KHC grant/gift letter will be available at time of reservation and must be signed by borrower(s).
List the Closing Cost Grant on the Final 1003 in Section 4d.
$2,000 CLOSING COST GRANT
Kentucky Housing Corporation Special Offer
🚨 LIMITED TIME OFFER 🚨
Effective July 15, 2025 - Only 180 borrowers will receive this grant!
💰
$2,000 FREE MONEY
Grant money that doesn't need to be repaid - reduces your closing costs significantly
🏡
Purchase Only
Available for home purchases only - perfect for first-time homebuyers
⚡
Stack with DAP
Can be combined with KHC Down Payment Assistance for maximum savings
Program Details
First-come, first-served until funds are exhausted
Purchase transactions only
List as a grant in Desktop Underwriter (DU) and Loan Product Advisor (LPA)
List as a gift in the Guaranteed Underwriting System (GUS)
Can be used with KHC Down Payment Assistance Program (DAP)
KHC grant/gift letter required and must be signed by borrower(s)
Must be listed on Final 1003 in Section 4d
⏰ ACT FAST!
Only 180 grants available - funds will be updated weekly until exhausted
Ready to Get Started?
Contact Joel Lobb - Your Kentucky Mortgage Expert
📧 Email
kentuckyloan@gmail.com
📱 Call/Text
502-905-3708
🌐 Website
www.mylouisvillekentuckymortgage.com
📍 Address
911 Barret Ave. Louisville, KY 40204
🎯 Specialization
Kentucky Mortgage Loan Expert For Kentucky FHA, VA, USDA, Fannie Mae and KHC Down Payment Assistance Loans
🏛️ Licensing Information
Joel Lobb - Personal NMLS# 57916 Evo Mortgage - Company NMLS# 1738461 Kentucky Mortgage Loan Only www.nmlsconsumeraccess.org
This website is not endorsed by the FHA, VA, USDA, KHC, or any government agency. It is an independent platform created to educate and assist homebuyers with expert advice and accessible tools. Equal Housing Lender.
These materials are not from HUD, FHA, the USDA, KHC, or the VA. These materials were not approved by any government agency. They are independent of any government agency.
For information directly from KHC, visit their official website. Loan approval subject to credit approval and program guidelines.
Kentucky First-Time Home Buyer Programs 2025 | Complete Guide & Down Payment Assistance
Kentucky First-Time Home Buyer Programs 2025: Your Complete Guide to Homeownership
New for 2025: Kentucky Housing Corporation (KHC) has increased their purchase price limit to $544,232 effective June 23, 2025, opening doors for more first-time home buyers across Kentucky. Whether you're looking in Louisville, Lexington, or rural Kentucky communities, we'll help you find the right program with down payment assistance up to $10,000.
Kentucky First-Time Home Buyer Programs: What's Available in 2025?
Kentucky offers some of the most comprehensive first-time home buyer assistance programs in the nation. From zero-down payment options to substantial down payment assistance, first-time buyers in Kentucky have multiple pathways to homeownership. Here's what makes Kentucky special for new home buyers:
Kentucky Housing Corporation (KHC) provides up to $10,000 in down payment assistance
USDA Rural Development loans offer 0% down for eligible areas in Kentucky
FHA loans require as little as 3.5% down with credit scores as low as 580 or 10% down with a 500 credit score
VA loans provide 0% down for eligible veterans and active military
Conventional loans with as little as 3% down for qualified borrowers
The best part? Many of these programs can be combined to maximize your buying power and minimize out-of-pocket costs.
Kentucky Home Buyer Programs: Side-by-Side Comparison
Program
Minimum Credit Score
Down Payment
Income/Price Limits
Best For
FHA Loan
580 (3.5% down) 500-579 (10% down)
3.5% minimum
Up to $524,225 in high-cost KY counties
Lower credit scores, flexible qualification
USDA Rural Development
640+ (preferred) but no minimum score
0% down payment
115% of area median income; rural/$119,850 to $158,250 typically based on household size family
Rural buyers, zero down payment
VA Loan
No minimum (lender overlay 620 or higher preferred)
0% down payment
No income limits; must meet VA eligibility for residual income limits
Veterans, active military, eligible spouses
KHC Down Payment Assistance
620-660 (varies by loan type)
0% with assistance
Income limits vary by county; $544,232 max price
First-time buyers needing down payment help
Conventional 95-97% LTV
620+ but 720 or higher is usually needed with at least 5% down with mi gets approved
3% minimum max debt to income ratio of 45% and 50% on front end and back end ratios
$806,500 Kentucky limit
Good credit, ability to cancel PMI
FHA Loans for First-Time Buyers in Kentucky
FHA loans are the most popular choice for Kentucky first-time home buyers, and for good reason. The Federal Housing Administration backs these loans, making them less risky for lenders and more accessible for borrowers.
Kentucky FHA Loan Benefits:
Low down payment: Just 3.5% with a 580+ credit score
Flexible credit requirements: Scores as low as 500 accepted (with 10% down)
Gift funds allowed: Down payment can come from family gifts
Seller concessions: Sellers can contribute up to 6% toward closing costs
Assumable loans: Future buyers can take over your FHA loan
2025 FHA Loan Limits in Kentucky:
Most Kentucky counties have an FHA loan limit of $524,225
FHA Mortgage Insurance in Kentucky:
FHA loans require both upfront mortgage insurance (1.75% of loan amount) and annual mortgage insurance. For 2025, annual rates range from 0.15% to 0.75% depending on loan-to-value ratio and loan term and loan amount Everyone pays the same with FHA.
USDA Rural Development Loans in Kentucky
Kentucky's rural and suburban communities are perfect for USDA loans, which offer 100% financing (no down payment) for eligible properties and borrowers.
USDA Loan Advantages:
Zero down payment required
Competitive interest rates
No prepayment penalties
Flexible credit guidelines
Lower mortgage insurance than FHA loans
USDA Eligibility in Kentucky:
Contrary to popular belief, "rural" doesn't mean farmland. Many suburban areas around Louisville, Lexington, and other Kentucky cities qualify for USDA financing. Key requirements include:
Property must be in a USDA-eligible area see link below (we can check any address)
Household income cannot exceed 115% of area median income see link below
Must be primary residence, not investment or second homes
Credit score of 640+ for automated approval, but can do a manual underwrite with scores below 640 with a maxiumum debt to income ratio of 29% and 41% respeivrtly on front end and back end ratios
Popular USDA-Eligible Areas in Kentucky:
Many communities around major cities qualify, including parts of Oldham, Shelby, Spencer, Bullitt, and other counties near Louisville, plus numerous areas around Lexington, Bowling Green, and other Kentucky metros.
VA Loans for Kentucky Veterans and Military
Kentucky's strong military presence means many first-time buyers can take advantage of VA loan benefits, which are among the best available.
VA Loan Benefits:
No down payment required
No private mortgage insurance
Competitive interest rates
No prepayment penalties
Assumable loans
Reusable benefit
VA Loan Eligibility:
Veterans, active-duty service members, National Guard, Reserves, and eligible surviving spouses may qualify. You'll need a Certificate of Eligibility (COE) from the VA.
VA Funding Fee:
While VA loans don't require montlhy mortgage insurance, there is a upfront funding fee, varies click here for more info Veterans with service-connected disabilities are exempt from this fee.
Kentucky Housing Corporation (KHC) Down Payment Assistance
The Kentucky Housing Corporation offers the most significant down payment assistance in the state, helping qualified first-time buyers overcome the biggest barrier to homeownership.
KHC Program Highlights:
Up to $10,000 in down payment assistance
Forgivable loans in many cases
Can be combined with FHA, VA, USDA, or conventional loans
Below-market interest rates
$544,232 maximum purchase price (effective June 23, 2025)
KHC Income Limits by County (2025):
Income limits vary by county and household size. For example:
Jefferson County (Louisville): Up to $99,700 for 1-2 person household
Fayette County (Lexington): Up to $92,400 for 1-2 person household
Most other counties: $73,500-$89,100 for 1-2 person household
How KHC Down Payment Assistance Works:
KHC provides a second mortgage for down payment and closing cost assistance. In many cases, this loan is forgiven after 5-10 years of occupancy, making it essentially a grant.
How to Qualify for Kentucky First-Time Home Buyer Programs
First-Time Buyer Definition:
Most programs define "first-time buyer" as someone who hasn't owned a home in the past 3 years. Some exceptions apply for single parents, divorced individuals, and displaced homemakers.
General Qualification Requirements:
Credit Score: Minimum varies by program 620 for government loans and 660 for conventinonal loans
Income: Must be within program limits for your area
Employment: Stable 2-year work history
Debt-to-Income: Typically 50% or lower
Assets: Enough for down payment and closing costs (unless using assistance)
Primary residence: Must be your main home
Required Documentation:
Recent pay stubs or monthly statements if on fixed income (30 days)
Tax returns and w-2's(2 years)
Bank statements (2 months)
Credit report
Employment verification for last two years
ID and Social Security card
Kentucky First-Time Home Buyer Process: Step-by-Step Guide
Step 1: Check Your Credit and Finances
Pull your free credit report from annualcreditreport.com and review your finances. Calculate how much you can afford for a monthly payment including principal, interest, taxes, and insurance.
Step 2: Get Pre-Qualified
Contact a Kentucky-licensed loan officer for a free pre-qualification. This will help you understand your buying power and which programs you qualify for.
Step 3: Choose Your Home Loan Program
Based on your location, credit, and financial situation, select the best program or combination of programs for your needs.
Step 4: Find a Kentucky Realtor
Work with a buyer's agent who understands first-time buyer programs and can help you find homes within your budget and program requirements.
Step 5: Apply for Your Mortgage
Submit your complete application with all required documentation. Your loan officer will guide you through underwriting and closing.
Step 6: Close on Your New Home
Attend your closing, sign the paperwork, and get your keys! Welcome to homeownership in Kentucky!
Kentucky Home Buying Timeline: What to Expect
Understanding the timeline helps you plan your home purchase:
Pre-qualification: Same day to 24 hours
House hunting: 2-8 weeks (varies by market and preferences)
Loan processing: 30-45 days from application to closing
USDA loans: May take 35-45 days due to rural development review
KHC loans: Allow extra time for down payment assistance processing
Frequently Asked Questions About Kentucky First-Time Home Buyer Programs
What credit score do I need to buy a house in Kentucky?
Credit score requirements vary by program: FHA loans accept scores as low as 580 (or 500 with 10% down), USDA prefers 640+ but can go lower on a manual undewrite, VA loans have no official minimum but lenders typically want 620+, and conventional loans usually require 620+ but usually need 700 or highere. KHC programs follow the underlying loan type requirements.
Can I get down payment assistance in Kentucky?
Yes! Kentucky Housing Corporation provides up to $10,000 in down payment assistance for qualified first-time buyers. Many of these loans are forgivable after 5-10 years. Additionally, FHA, VA, and USDA loans allow seller contributions toward closing costs.
What areas of Kentucky qualify for USDA loans?
Much of Kentucky outside major metro centers qualifies for USDA financing. This includes many suburban areas around Louisville, Lexington, and other cities. We can check any specific address for USDA eligibility at no cost.
How much can I borrow with Kentucky first-time buyer programs?
Loan limits vary by program and location. FHA limits go up to $524,225 in high-cost Kentucky areas, USDA has no set limit but income restrictions apply, VA loans have no limit with full entitlement, and KHC programs have a $544,232 maximum purchase price as of June 2025. House payment should not be more than 45 to 50% of your gross income, lower on bad credit files and no money down programs in Kentucky
Can I combine multiple Kentucky home buyer programs?
Yes! Many programs can be combined. For example, you can use KHC down payment assistance with an FHA loan, or combine seller concessions with various loan programs to minimize your out-of-pocket costs.
How long does it take to close on a home in Kentucky?
Average closing times are 30 days for FHA and conventional loans, 25-30 days for VA loans, and 35-45 days for USDA loans. KHC programs may add a few extra days for down payment assistance processing.
Kentucky Home Loan Payment Calculator
Estimate Your Monthly Payment
*Estimates only. Actual payments may vary. Not a commitment to lend. Equal Housing Lender.
EVO Mortgage NMLS #1738461 • Joel Lobb NMLS #57916
Ready to Start Your Kentucky Home Buying Journey?
Get your free pre-qualification in 24 hours and discover which Kentucky first-time buyer programs you qualify for. No hard credit check required.
Joel Lobb - Senior Loan Officer
EVO Mortgage • NMLS #1738461 • Personal NMLS #57916
Equal Housing Lender • Licensed in Kentucky
Kentucky First-Time Home Buyer Programs by Region
Louisville Metro Area First-Time Buyers
Kentucky Mortgage Expert Joel Lobb Launches Resource Hub for First-Time Homebuyers
Kentucky Mortgage Expert Joel Lobb Launches Resource Hub for First-Time Homebuyers
LOUISVILLE, KY – As higher rates and stricter underwriting challenge first-time homebuyers, Kentucky mortgage broker Joel Lobb (NMLS #57916) is unveiling a new digital hub designed to help local residents understand and qualify for low or no money down home loans.
“Most Kentuckians don’t realize they may qualify for a home loan with as little as 0–3.5% down, even with less-than-perfect credit,” said Lobb. “This platform is built to educate and provide tools buyers actually need.”
Kentucky's Welcome Home Grant: A $20,000 Boost for Homeownership!
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 $20,000 grant 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!
What is the Welcome Home Grant Program?
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.
Who is Eligible?
Income Limits: 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
Only Kentucky First-Time Homebuyers? Not necessarily: Both first-time and repeat homebuyers can apply!
Location: 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
Other Requirements: 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.
Important Dates to Remember:
Application Period: Reservations for the 2025 Welcome Home Grant program open on March 1st, 2025, at 8:00 AM ET.
Funding Availability: Grants are limited and awarded on a first-come, first-served basis.
Program Duration: The program runs until all funds are reserved.
Must have contract under agreement to submit for funds.
Benefits of the Welcome Home Grant:
Significant financial assistance: $20,000 can make a huge difference in lowering your down payment and closing costs.
More affordable monthly payments: A smaller down payment translates to a lower mortgage amount and potentially lower monthly payments.
Opens doors to homeownership: The grant can make homeownership more accessible for those facing financial constraints.
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;
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. Note: Applicants do not have to be first-time homebuyers.
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) or a qualified manufactured home. (Manufactured homes may be eligible if they are taxed as real estate and affixed to a permanent foundation); and,
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.
Beginning March 1, 2025, 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? 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 –
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
2025 Income Limits Kentucky Welcome Program Below:
Use the 80% limits for the Welcome Home Program
Kentucky Welcome Home Grant 2025 Income Limits for the $20,000 Grant.
Use the 80% limits for the Welcome Home Program
Use the 100% limits for the Disaster Reconstruction Program
Home Buyer Eligibility 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 (MRB) limit for the county and state where the property is located; 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. Note: Applicants do not have to be first-time homebuyers.
Property Eligibility The Welcome Home grant is available for various property types:
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) or a qualified manufactured home. (Manufactured homes may be eligible if they are taxed as real estate and affixed to a permanent foundation); and, 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.
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.
Evo Mortgage Company NMLS# 1738461 Personal NMLS# 57916
For assistance with Kentucky mortgage loans, reach out via email, call, or text Joel Lobb directly.
The view and opinions stated on this website belong solely to the authors, and are intended for informational purposes only. The posted information does not guarantee approval, nor does it comprise full underwriting guidelines. This does not represent being part of a government agency. The views expressed on this post are mine and do not necessarily reflect the view of my employer. Not all products or services mentioned on this site may fit all people. NMLS ID# 57916, (www.nmlsconsumeraccess.org).
Buying your first home in Kentucky can be both exciting and overwhelming. With the right loan programs and financial assistance, homeownership is more achievable than ever. Whether you need low down payment options, credit flexibility, or down payment assistance, there are Kentucky first-time home buyer programs designed to help.
In this guide, we’ll cover FHA, VA, USDA, Kentucky Housing Corporation (KHC), and down payment assistance programs to help you make the best decision.
Kentucky First-Time Home Buyer Loan Programs
1. FHA Loans – Low Down Payment, Credit-Friendly
Best for: Buyers with lower credit scores or limited savings
Minimum Credit Score: 580 (3.5% down), 500 (10% down) Debt-to-Income (DTI) Ratio: Up to 57% with compensating factors Mortgage Insurance: Required for the life of the loan Down Payment Assistance Available: Yes Why Choose an FHA Loan? FHA loans are perfect for first-time home buyers in Kentucky who may not have a perfect credit history or large down payment. These loans are insured by the government, making them easier to qualify for.
2. VA Loans – No Down Payment for Military Buyers
Best for: Veterans, active-duty service members, and eligible spouses
Minimum Credit Score: 580-620 (varies by lender) Down Payment: $0 down payment required Mortgage Insurance: None (No PMI) Debt-to-Income Ratio: Up to 50%+ with strong credit
Why Choose a VA Loan?
VA loans provide 100% financing, meaning no down payment is required. They also have lower interest rates and no private mortgage insurance (PMI), making them one of the best loan programs for Kentucky first-time homebuyers who qualify.
3. USDA Loans – 100% Financing for Rural Buyers
Best for: Buyers looking in USDA-eligible rural or suburban areas
Minimum Credit Score: 640 preferred Down Payment: $0 down payment required Income Limits: 115% of the area’s median income Location Restrictions: Must be in a USDA-eligible area
Why Choose a USDA Loan?
If you’re looking to buy in a qualifying rural area, a USDA loan offers 100% financing, meaning no down payment is needed. It’s a great option for buyers with limited savings.
4. Kentucky Housing Corporation (KHC) Loans – Down Payment Assistance
Best for: First-time buyers needing down payment and closing cost help
Minimum Credit Score: 620+ Down Payment Assistance: Up to $10,000 Income Limits: Varies by county
Key Factors for Kentucky First-Time Home Buyers in 2025
1. Credit Scores: The Gateway to Mortgage Approval
Your credit score determines loan eligibility and interest rates. Here’s what you need:
Minimum Scores:
FHA Loans: 580+ (3.5% down) or 500–579 (10% down).
Conventional Loans: 620+.
Improving Your Score: Pay down debt, dispute errors, and avoid new credit lines. Learn how to boost your credit score here (internal link).
2. Down Payments: How Much Do You Really Need?
Kentucky Average Down Payment: 6–10% (
– 13,500–22,500 on a $225k home).
Low Down Payment Options:
FHA Loan: 3.5% down.
USDA Loan: 0% down (rural areas).
KHC Down Payment Assistance: Up to $10,000 for eligible buyers. Explore Kentucky Housing Corporation (KHC) programs (external link).
3. 2025 Interest Rate Trends in Kentucky
Average rates are projected at 6.2–7.5% (Freddie Mac, 2024). Lock in lower rates by improving your credit score and shopping lenders.
4. Income Ratios: What Lenders Look For
Most lenders use the 28/36 rule:
28% of gross income on housing costs.
36% on total debt.
5. Kentucky Home Prices: Where to Buy
Louisville: $250k median.
Lexington: $275k median.
Rural Areas: As low as $150k.
Joel Lobb, Kentucky Mortgage Expert on FHA, VA, USDA and KHC Joel Lobb, Mortgage Broker FHA, VA, KHC, USDA
Evo Mortgage Company NMLS# 1738461 Personal NMLS# 57916
For assistance with Kentucky mortgage loans, reach out via email, call, or text Joel Lobb directly.
Kentucky Local Home Loan Lender Services
First-Time Home Buyers Welcome FHA, Rural Housing (USDA), VA, and Kentucky Housing Corporation (KHC) Loans Conventional Loan Options Available Fast Local Decision-Making Experienced Guidance Through the Home Buying Process
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.
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#57916http://www.nmlsconsumeraccess.org/
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