How To Get Approved for A Kentucky FHA, VA, USDA, Mortgage Home Loan After A Bankruptcy?

How to Get a Kentucky Mortgage After Bankruptcy — FHA, VA, USDA & KHC Guide (2025)

Bankruptcy doesn't close the door on homeownership — it just changes the timeline. With the right plan, Kentucky buyers can qualify for an FHA, VA, USDA, or KHC mortgage loan sooner than you might think. This guide covers exact waiting periods, credit rebuilding steps, and how local down payment assistance can help.

Kentucky Mortgage After Bankruptcy — Waiting Periods by Loan Type

FHA

Ch. 7 — 2 years

Ch. 13 — 12 months

VA

Ch. 7 2 years or Chapter 13 — 12 months

USDA

Ch. 7 2 years or Chapter 13 — 12 months

Conv.

Ch. 7 — 4-7 yrs  |  Ch. 13 — 4 yrs

Discharge date 1 year 2 years 3 years 4 years

FHA Loan After Bankruptcy in Kentucky

The FHA loan is the most popular path for first-time Kentucky homebuyers coming out of bankruptcy. It has the shortest waiting period and the most flexible credit requirements of any conventional mortgage program.

Bankruptcy Type	Waiting Period	Min. FICO
Chapter 7	2 years from discharge	580+
Chapter 13	12 months of on-time plan payments	580+

Key notes for Kentucky FHA applicants:

• Chapter 13 borrowers must get written approval from the bankruptcy trustee
• A written letter of explanation for why you filed greatly strengthens your file
• Medical emergencies, job loss, and divorce are treated as extenuating circumstances
• Down payment is as low as 3.5% — and can be covered by KHC down payment assistance

 Complete Kentucky FHA Loan Requirements & Guidelines

VA Loan After Bankruptcy in Kentucky — Best Option for Veterans

If you served in the military, the VA loan remains one of the most powerful mortgage tools available — even after bankruptcy. No down payment, no PMI, and competitive interest rates.

Bankruptcy Type	Waiting Period	Min. FICO
Chapter 7	2 years from discharge	No minimum score but 580–620 preferred
Chapter 13	1 years from discharge	No minimum score but 580–620 preferred

Key advantages for Kentucky veterans post-bankruptcy:

• A foreclosure after bankruptcy does not restart the 2-year VA waiting period
• $0 down payment required
• No private mortgage insurance (PMI)
• Post-bankruptcy credit issues can affect your interest rate — keep your credit clean after discharge

 Kentucky VA Home Loan Guide — Zero Down for Veterans

USDA / Rural Housing Loan After Bankruptcy in Kentucky

Kentucky has more USDA-eligible rural land than most states, making this a powerful option for buyers outside Louisville, Lexington, and other major metros. Like VA, it requires zero down payment.

Bankruptcy Type	Waiting Period	Min. FICO
Chapter 7	3 years from discharge	No minimum score but 620 preferred
Chapter 13	12 month waiting period	No minimum score but 620 preferred

USDA requirements to keep in mind:

• Property must be in a USDA-eligible area — check the official USDA map
• Must be your primary residence only — no investment properties or vacation homes
• Household income limits apply — check current Kentucky USDA income limits
• $0 down payment available

 Kentucky USDA Rural Housing Loan Requirements

Conventional Loan After Bankruptcy in Kentucky — Longest Wait

Conventional (Fannie Mae / Freddie Mac) loans carry the strictest post-bankruptcy timelines. For most Kentucky first-time buyers coming out of bankruptcy, an FHA loan is a smarter starting point — then refinance to conventional later once your credit and equity are stronger.

Bankruptcy Type	Waiting Period	Min. FICO
Chapter 7	4-7 years from discharge	620
Chapter 13	4-7 years from discharge	620+

KHC Down Payment Assistance After Bankruptcy in Kentucky

The Kentucky Housing Corporation (KHC) offers down payment assistance programs that stack on top of FHA, VA, and USDA loans. Post-bankruptcy borrowers who meet the standard waiting periods may still qualify — making homeownership possible with little or no money out of pocket.

Current KHC programs include:

• Regular DPA — up to $12,500 and $2000 KHC Grant toward down payment and closing costs
• Affordable DPA — for buyers at qualifying income levels
• Must meet KHC income limits and purchase price caps for your Kentucky county

 Full KHC Down Payment Assistance Guide

How to Rebuild Your Credit After Bankruptcy — 5 Steps

The moment your bankruptcy is discharged, your recovery clock starts. Most buyers see meaningful score improvement within 12–18 months of discharge.

1

Secured Credit Card

Deposit $200–$500, buy small, pay the full balance monthly — every time.

2

Audit Your Credit Report

Pull all 3 bureaus free at AnnualCreditReport.com. Dispute any errors from the discharge.

3

Never Miss a Payment

Every on-time payment post-discharge is a data point in your favor.

4

Monitor Your FICO Score

Mortgage lenders use FICO — not Vantage. Track the right score at myFICO.com.

5

Apply When Ready

Hit your waiting period + 580+ FICO and call for a same-day pre-approval.

FICO Score Ranges That Matter for Kentucky Home Loans

FICO Range	Rating	Mortgage Impact
760+	Excellent	Best rates available
680–759	Good	Competitive rates
620–679	Fair	Conventional possible
580–619	Poor	FHA / VA / USDA only
Below 580	Very Poor	Very difficult to get approved

Pro tip: Most mortgage lenders still use FICO versions prior to Version 8. Use myFICO.com to monitor the mortgage-specific score version, not just the free scores from Credit Karma or your bank app.

What Kentucky Lenders Actually Look at Post-Bankruptcy

When you apply, your lender evaluates your full financial picture — not just the bankruptcy itself. Here is what matters most:

• Time since discharge — Has the required waiting period passed?
• FICO score at application — Are you at or above the program minimum?
• Letter of explanation — Did you document the circumstances (medical, job loss, divorce)?
• Post-discharge credit behavior — Have you been clean since discharge?
• Income stability — Do you have documentable, steady income?
• Debt-to-income ratio — Your total monthly debts vs. gross monthly income

Frequently Asked Questions

Can I get a Kentucky mortgage 1 year after bankruptcy?

Yes — but only under specific conditions. With Chapter 13 bankruptcy and an FHA loan, you may be eligible after 12 months of satisfactory plan payments with written approval from your bankruptcy trustee.

Does a foreclosure after bankruptcy restart the waiting period?

For VA loans, a foreclosure after bankruptcy does not restart the 2-year clock. For FHA, USDA, and Conventional loans, a separate foreclosure may trigger its own waiting period. Always disclose both events to your lender upfront.

What is the minimum credit score to buy a house in Kentucky after bankruptcy?

580 is the minimum for FHA, VA, and USDA programs. Conventional loans require 620 or higher. The higher your score above these thresholds, the better your interest rate and terms will be.

Can I use KHC down payment assistance after bankruptcy?

Yes. As long as you meet the waiting period requirements for the underlying loan program (FHA, VA, or USDA) and KHC's income and purchase price limits for your Kentucky county, KHC down payment assistance is available to you.

How long does it take to get pre-approved after bankruptcy?

If your waiting period has passed, your documents are in order, and your FICO is at the minimum threshold, a same-day pre-approval is absolutely possible. Call or text Joel Lobb at 502-905-3708 to get started today at no cost.

Helpful Resources for Kentucky Homebuyers

Official Government Resources:

•  HUD.gov — Official FHA Loan Requirements
•  VA.gov — VA Home Loan Eligibility & COE
•  USDA Eligible Area Map — Check Your Address
•  Kentucky Housing Corporation (KHC) — DPA Programs
•  AnnualCreditReport.com — Free Weekly Credit Reports
•  NMLS Consumer Access — Verify Your Lender (NMLS #57916)

More from Our Kentucky Mortgage Blog:

Kentucky FHA Loan Guide →

Requirements, rates & 3.5% down options

Kentucky VA Mortgage →

Zero down for veterans & active duty

USDA Rural Housing →

Zero down for eligible rural areas

KHC Down Payment Help →

Up to $12,500 for Kentucky buyers

First-Time Buyer Guide →

Step-by-step for Kentucky buyers

Free Pre-Approval →

Same-day approvals available

 Ready to Get Pre-Approved?

If your waiting period has passed — or is almost up — let's talk. I specialize in helping Kentucky families get back into homeownership after bankruptcy, with access to FHA, VA, USDA, and KHC down payment assistance programs. Free application. Same-day pre-approvals.

Start Free Application  Call / Text 502-905-3708 ✉ kentuckyloan@gmail.com

Joel Lobb  |  Mortgage Loan Officer  |  NMLS #57916  |  Company NMLS #1738461  |  Equal Housing Lender

Disclaimer: This content is for educational purposes only and is not an offer to lend or a commitment to make a loan. All loans are subject to credit approval, income verification, and property eligibility. This website is not endorsed by or affiliated with the FHA, VA, USDA, KHC, or any government agency. Kentucky mortgage licensing only. NMLS #57916. For licensing information, visit www.nmlsconsumeraccess.org. Equal Housing Lender.

Kentucky Bankruptcy Guidelines for Kentucky Conventional & Kentucky FHA Mortgage Loans

Kentucky Mortgage Guide

Can You Get a Mortgage After Bankruptcy in Kentucky?

The complete guide to FHA, Conventional, VA & USDA waiting periods — plus how to use KHC down payment assistance after Chapter 7 or Chapter 13.

By Joel Lobb — Kentucky Mortgage Loan Officer NMLS #57916  ·  20+ Years Experience

Yes — bankruptcy does not permanently disqualify you from buying a home in Kentucky. Thousands of Kentucky families have purchased homes after Chapter 7 or Chapter 13 bankruptcy. The key is knowing the right waiting periods and which loan program fits your situation.

This guide breaks down exactly what you need to qualify — including FHA, Conventional (Fannie Mae), VA, and USDA guidelines — so you can plan your road back to homeownership with confidence.

How Long After Bankruptcy Can You Get a Mortgage in Kentucky?

The waiting period depends on two things: the type of bankruptcy you filed and the type of mortgage loan you are applying for.

Loan Type	Chapter 7 Wait	Chapter 13 Wait
FHA	2 years from discharge	2 yrs from discharge, or 12 months into plan (manual underwrite)
Conventional (Fannie Mae)	4 years from discharge/dismissal	2 yrs from discharge / 4 yrs from dismissal
VA	2 years from discharge	1 year into plan (with trustee approval)
USDA / Rural Housing	3 years from discharge	3 years from discharge

FHA Loans After Bankruptcy in Kentucky

FHA loans are the most popular option for Kentucky homebuyers recovering from bankruptcy. They offer down payments as low as 3.5%, more flexible credit standards, and shorter waiting periods than conventional loans.

FHA — Chapter 7

FHA After Chapter 7 Bankruptcy

• 2 years from discharge date for DU approval — case number cannot be ordered until wait period has elapsed
• Manual underwrites allowed on refer/eligible DU finding once 2-year period has elapsed, with re-established credit or no new obligations
• 12–24 month exception possible if bankruptcy was caused by extenuating circumstances beyond your control (serious illness, death of a wage earner)

Not acceptable as extenuating circumstances: Divorce, loss of a job, or inability to sell a home after relocation. FHA is strict about this distinction.

FHA — Chapter 13

FHA After Chapter 13 Bankruptcy

• 2 years from discharge date for automated DU approval
• Manual underwrites allowed 1 day after discharge — or after 12 months of on-time plan payments if still in the repayment plan
• Must receive a refer/eligible DU finding and document 12 months of satisfactory payment history
• Must obtain written permission from the bankruptcy trustee to enter into a new mortgage transaction

Conventional (Fannie Mae) Loans After Bankruptcy in Kentucky

Fannie Mae — Chapter 7

Conventional After Chapter 7 Bankruptcy

• 4 years from discharge or dismissal date (standard)
• 2 years from discharge or dismissal if borrower meets Fannie Mae's extenuating circumstances definition
• 5 years if more than one bankruptcy was filed within the last 7 years — no exceptions

Fannie Mae — Chapter 13

Conventional After Chapter 13 Bankruptcy

• 2 years from discharge date (standard)
• 4 years from dismissal date (standard)
• 2 years from dismissal date if borrower meets Fannie Mae extenuating circumstances definition
• 5 years if more than one bankruptcy was filed within the last 7 years

VA Loans After Bankruptcy in Kentucky

Kentucky veterans and active-duty service members have access to VA loans, which offer some of the most flexible bankruptcy guidelines of any loan program.

VA Loans

VA After Chapter 7 & Chapter 13

• Chapter 7: 2 years from discharge date, with re-established credit and stable income
• Chapter 13: Eligible after 12 months of satisfactory plan payments with trustee's written approval — no need to wait for discharge

USDA / Rural Housing Loans After Bankruptcy in Kentucky

USDA loans offer 100% financing with no down payment required — and many areas throughout Kentucky qualify, including counties surrounding Louisville, Lexington, Bowling Green, and Owensboro.

USDA Rural Housing

USDA After Chapter 7 & Chapter 13

• Chapter 7: 3 years from discharge date
• Chapter 13: 3 years from discharge date (1-year exception possible with documented extenuating circumstances)

KHC Down Payment Assistance After Bankruptcy in Kentucky

Many Kentucky first-time homebuyers don't realize that Kentucky Housing Corporation (KHC) down payment assistance can still be used after a bankruptcy — as long as you meet the waiting period requirements for the underlying loan program.

This combination — a post-bankruptcy FHA loan paired with KHC down payment assistance — is one of the most powerful tools available to get Kentucky first-time buyers into a home faster and with less out-of-pocket cost at closing.

Can You Buy a Home While Still in Chapter 13?

Yes — this is one of the most common questions I receive. If you are currently in an active Chapter 13 repayment plan, you may be eligible for an FHA or VA mortgage after 12 months of on-time plan payments with your trustee's written approval.

The trustee approval letter must confirm that you are in good standing under your plan and that the court permits you to take on new mortgage debt. It is more paperwork-intensive, but it is absolutely possible — and I have helped Kentucky families close on homes while still in Chapter 13.

Steps to Take Right Now

1

Check Your Credit Report

Pull reports from all three bureaus and verify that all accounts included in the bankruptcy are accurately reporting as discharged with no errors or duplicate negative entries.

2

Rebuild Your Credit Strategically

A single secured credit card with a low balance, paid in full each month, can meaningfully improve your score over 12–24 months. You do not need to carry debt to rebuild credit.

3

Document Everything

If you are claiming extenuating circumstances, save medical records, obituaries, insurance documents, and written employer correspondence — these strengthen your loan file significantly.

4

Talk to a Kentucky Mortgage Loan Officer Early

The earlier you get professional guidance, the better position you will be in. A good loan officer will calculate your timeline, identify the right program, and tell you exactly what needs to happen before you can be approved.

Frequently Asked Questions

What credit score do I need for an FHA loan after bankruptcy in Kentucky?

Most FHA lenders look for a minimum credit score of 580 to qualify for the 3.5% down payment option. Scores between 500–579 may still qualify but require a 10% down payment.

How long does a bankruptcy stay on my credit report?

A Chapter 7 bankruptcy remains on your credit report for 10 years. A Chapter 13 remains for 7 years. However, its impact on your score diminishes over time — especially as you re-establish positive credit history.

Can I use KHC down payment assistance if I had a bankruptcy?

Yes — as long as you meet the waiting period requirements for the underlying loan program (FHA, VA, USDA, or Conventional), KHC down payment assistance is still available to eligible Kentucky first-time homebuyers.

What is the difference between a discharge and a dismissal?

A discharge means the court approved your bankruptcy and released you from the listed debts. A dismissal means the case was thrown out — usually for non-compliance. Waiting periods are often longer after a dismissal than a discharge under both FHA and Fannie Mae guidelines.

Can I buy a home while still making Chapter 13 payments?

Yes. FHA and VA both allow mortgage approval after 12 months of on-time Chapter 13 plan payments, provided you have written trustee approval to take on new mortgage debt.

Free Consultation — No Obligation

Let's Talk About Your Path to Homeownership

Over 20 years helping Kentucky families buy homes — including many who thought bankruptcy had closed the door forever.

Call or Text: 502-905-3708 kentuckyloan@gmail.com

Joel Lobb · NMLS #57916 · Company NMLS #1738461 · Equal Housing Lender

This article is for informational purposes only and does not constitute legal or financial advice. Mortgage guidelines are subject to change. Contact a licensed Kentucky mortgage loan officer for guidance specific to your situation. This website is not endorsed by FHA, VA, USDA, or any government agency.

Bankruptcy Mortgage Loans in Kentucky | FHA, VA, USDA & Conventional Guidelines for Chapter 7 & 13

Bankruptcy Mortgage Loans in Kentucky | FHA, VA, USDA & Conventional Guidelines for Chapter 7 & 13

Looking for a mortgage loan in Kentucky after bankruptcy? Whether you’ve filed Chapter 7 or Chapter 13, you may still qualify for FHA, VA, USDA, or Conventional (Fannie Mae) loans.

In this video, Joel Lobb, Kentucky Mortgage Expert with EVO Mortgage, breaks down the waiting periods, loan program requirements, and real options available to Kentucky homebuyers — even after bankruptcy.

✅ FHA – 2 years after Chapter 7, 1 year into Chapter 13

✅ VA – 2 years after Chapter 7, 1 year into Chapter 13

✅ USDA – 3 years after Chapter 7, 1 year into Chapter 13

✅ Conventional – 4+ years depending on discharge or dismissal

🏡 Serving all of Kentucky including Louisville, Lexington, Owensboro, Bowling Green, and rural counties.

📞 Call/Text: (502) 905-3708

📧 Email: kentuckyloan@gmail.com

🔗 Learn more: MyLouisvilleKentuckyMortgage.com

Equal Housing Lender | NMLS 57916 | EVO Mortgage NMLS 1738461

Can you buy a house in Kentucky with Bad Credit?

Buying A House with Bad Credit in Kentucky

When in comes to buying a house in Kentucky and getting approved for a mortgage loan a lot of buyers will have to confront their past credit issues. Credit, along with income, work history, and assets determine if you qualify for a mortgage loan. 

Below I will address the main issues you have to address when it comes to getting approved for a mortgage with past credit problems. 

 Mortgage late payments: One late payment in the last 12 months is permitted so long as it can be explained and fully documented if necessary.

• Foreclosure: Thirty-six months from the date of the foreclosure until eligibility to repurchase using the 3.5 percent down payment FHA Loan, 48 months for VA Loans (no money down required), seven years no matter the down payment on a conventional type.

• Short sale: Thirty-six months from the date of the short sale until eligibility to repurchase using the 3.5 percent down payment FHA Loan, 24 months with the VA, 24 months on a conventional money loan with a minimum down payment of 20 percent.

Bankruptcy: Chapter 7 (Chapter 13 is less common), 24 months from the date of discharge until eligibility to repurchase using the 3.5 percent down FHA Loan, 48 months on VA Loans (still no money down required),  48 months on conventional no matter the down payment. All mortgage companies have different thresholds of risk appetite. For example, the FHA (Federal Housing Administration) has no credit score requirement. Why, then, do lenders have a minimum credit score requirement of 620 for an FHA Loan? Unbeknownst to the majority of home buyers, many mortgage companies have a secret ominous business strategy.

Enter “investor overlays.” 
Investor overlays are adjustments to guidelines and/or pricing created in favor of the mortgage company. This is exactly why one lender can do the loan, and another lender cannot do the loan in some instances.
Tip: every mortgage lender has investor overlays, it’s the nature of how mortgage companies operate, key is work with the lender whose overlays are minimal.

Timing

Typically speaking, if you want to get a mortgage after bankruptcy you’ll need to allow time to pass. For conventional mortgages you’ll need to wait four years after Chapter 7 bankruptcy or two years after Chapter 13 bankruptcy. But there are some other mortgage options that require a shorter waits.

Credit Scores 

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.

 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.

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.

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.

FHA Mortgage

Two years after your Chapter 7 bankruptcy discharge you may apply for an FHA loan. If you filed Chapter 13 bankruptcy, then you’ll only need to wait until you’ve made twelve months of satisfactory payments, and you’ll need to get the approval of the bankruptcy trustee. But if you want to be given serious consideration, you’ll need to provide a clear explanation for why you filed bankruptcy. For example, maybe you filed Chapter 13 bankruptcy because you had a medical emergency and was unable to pay your medical bills.

VA Mortgage

If you’re a veteran, you can get a VA mortgage two years after your bankruptcy discharge. This VA application process can be challenging, but in some ways it’s more lenient since post-bankruptcy credit issues such as a foreclosure won’t restart the 2-year waiting period. However, credit issues after bankruptcy might affect your interest rate, so take care to keep your credit as clean as possible.

USDA Mortgage

If you live in a rural area, you may qualify for a USDA mortgage three years after your bankruptcy discharge. It’s important to note that while the USDA provides loans to rural residents it’s only for property that will serve as the borrower’s primary residence. The USDA will not finance the purchase of income property or a vacation home.

As you prepare to apply for a mortgage after bankruptcy, keep in mind that the mortgage lender will take into account the totality of your financial situation—your finances, credit history, credit score, and any extenuating circumstances

Joel Lobb  Mortgage Loan Officer

EVO Mortgage
911 Barret Ave, Louisville, KY 40204

1 -  Email - kentuckyloan@gmail.com 

2.   Call/Text - 502-905-3708

https://www.mylouisvillekentuckymortgage.com/2010/10/get-approved-for-mortgage-or-home-loan.html

NMLS 57916  | Company NMLS#173846

How to Get Approved for a Kentucky Mortgage While in A Chapter 13 Bankruptcy:

Can you get a mortgage loan while in a Chapter 13 Bankruptcy?

Here is a brief summary:

You must have 12 payments paid into the Chapter 13 before you can apply for a mortgage loan.

The payments must be made on time for last 12 months or after 12 months if you have been in longer, so no late payments to the Chapter 13 while in it.

You have to ask permission from the courts to seek a mortgage loan. They usually grant this. I have never not seen them grant it.

You have to qualify with the new house payment along with Chapter 13 payments and other debts listed on credit report. Debt to income ratios usually center around 31 and 43% respectively, meaning the new house payment should not be more than 31% of your gross monthly income and your total house payment and debts listed on credit report along with Chapter 13 payment should not be more than 43% of your total gross monthly income.

Credit scores: Most FHA lenders I work with will want a 620-middle score. You have three fico scores from Experian, Equifax, and Transunion, and they throw out the high and low score and take middle score. For example, if you had a 598, 679, and 590 scores respectively for all three bureaus listed above, your qualifying score would be 598.

There are some FHA investors that I am set up with that will go down to 580, but I have seen in my past experiences 620 will get you a better deal and far greater chance of closing on your loan with FHA.

Down payment: For FHA loans, you will need to have at least 3.5% down payment saved up. It is extremely hard to find a no money down loan program to get you approved for a mortgage while you are in a Chapter 13 plan.

FHA, VA and USDA are really the only two options that I know of that offer financing for a borrower with a current Chapter 13 Bankruptcy plan, so keep that in mind.

Conventional loan program offered by Fannie Mae will not allow a mortgage loan for someone in a Chapter 13 Bankruptcy plan.

On USDA loans, it is possible to get 100% Financing after you have paid into the plan for 12 months with a good pay history. The credit scores needed for a USDA loan approval really need to be above 640 in my past experience in getting them approved. 

A lot of USDA lenders will say they will do down to 620, but it is very difficult getting them approved. Best to get your scores up to increase your changes in qualifying for a USDA loan. There is not much that difference in getting your scores up to that range if you are at a 620 score now.

With USDA loans, they have income and property eligibility requirements that FHA does not have, so below is a rough run down of FHA vs USDA loan for you:


Typically, USDA-eligible properties are located in rural areas. It is a mistake, however, to think that you have to live far out in the country to qualify for a USDA loan. USDA-eligible properties are often located near urban areas.

A property’s eligibility is determined by its location with respect to USDA’s map of eligible locations. The USDA program also places limits on your household income based on median earnings in an area. If you exceed that limit, you can’t obtain a USDA loan.

The FHA, by contrast, does not place limits on household earnings. The FHA, however, does establish a maximum limit on the amount of money that can be borrowed through the program.

So, if you were in a hurry to buy, after you have been in your Chapter 13 plan for 12 months, I can look at getting you approved to buy a home if you wish:

So, if you were in a hurry to buy, after you have been in your Chapter 13 plan for 12 months, I can look at getting you approved to buy a home if you wish:




If you have questions about qualifying as first time home buyer in Kentucky, please call, text, email or fill out free prequalification below for your next mortgage loan pre-approval.


Joel Lobb
Senior Loan Officer

(NMLS#57916)


Text or call phone: (502) 905-3708

email me at kentuckyloan@gmail.com

http://www.mylouisvillekentuckymortgage.com/