Category: kENTUCKY FHA Program Quick Reference

24 New Fannie Mae Homes in Kentucky Government Foreclosures 2017


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Louisville Kentucky Mortgage Lender for FHA, VA, KHC, USDA and Rural Housing Kentucky Mortgage: Kentucky General Mortgage Guide for Underwriting A…: Kentucky Mortgage Underwriting Guidelines Understanding  Mortgage mortgage underwriting guidelines will help you understand your loan opt…


Posted By Blogger to Louisville Kentucky Mortgage Lender for FHA, VA, KHC, USDA and Rural Housing Kentucky Mortgage

Address Location Type Status Price Beds Baths
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114 Dakota Cir
Carrollton, KY
Carrollton, KY 41008
Single Family Just Listed $119,900 3 2 First Look Program
4516 Amerivan Ct
Louisville, KY
Single Family Just Listed $198,900 4 2 First Look Program
1530 Spring Creek Dr
Murray, KY
Single Family Just Listed $299,900 3 3 First Look Program
3508 E 6th St
Owensboro, KY
Single Family Just Listed $63,000 3 1 First Look Program
10823 Muirfield Ct
Union, KY
Single Family Just Listed $158,500 2 4 First Look Program
843 Button Knob Rd
Liberty, KY
Single Family Just Listed $92,500 4 2 First Look Program
1557 Dunbar Leetown Rd
Morgantown, KY
Single Family Just Listed $134,500 3 2 First Look Program
563 Saint Andrews Rd
Brandenburg, KY
Single Family Just Listed $155,000 3 3 First Look Program
362 Pollitt Cir
New Castle, KY
Single Family Just Listed $64,500 3 2 First Look Program
931 Robin Cir
Radcliff, KY
Single Family Just Listed $116,500 3 2 First Look Program
114 Indian Trace Rd
Cadiz, KY
Single Family Just Listed $154,000 4 3 First Look Program
2589 Oregon Rd
Salvisa, KY
Single Family Just Listed $247,500 5 5 First Look Program
12 Crestwood Ave
Newport, KY
Single Family Back on Market $87,000 2 1
727 Agawam Rd
Winchester, KY
Single Family Back on Market $129,900 4 3 First Look Program
40 Beech Dr
Ft Mitchell, KY
Single Family Back on Market $84,500 3 2
313 Shakers Landing Rd
Harrodsburg, KY
Single Family Back on Market $142,500 3 2
8854 Valley Circle Dr
Florence, KY
Single Family Back on Market $118,800 3 2
163 Falls Ln
Shepherdsville, KY
Single Family Back on Market $99,900 4 1
213 Ridge Pole Rd
Brandenburg, KY
Single Family Price Reduced $199,900 4 4
1520 Bryan Rd
Boaz, KY
Single Family Price Reduced $117,500 4 3
8 Davenport Ln
Williamsburg, KY
Single Family Price Reduced $85,000 3 3
414 Village Dr
Frankfort, KY
Single Family Active $165,000 4 4
120 Ridgemont Rd
Paducah, KY
Single Family Active $94,500 3 3
3445 Bonny Lea Ct
Louisville, KY
Single Family Active $129,900 3 2 First Look Program
6003 Murnan Rd
Newport, KY
Single Family Active $77,500 3 2
21 Highway 578 N
Annville, KY
Single Family Active $99,900 4 2 First Look Program
11501 Flowervale Ln
Louisville, KY
Single Family Active $74,900 3 1
146 Grand Oak Blvd
Shepherdsville, KY
Single Family Active $255,000 4 3
18 Alice Dr
Greenup, KY
Single Family Active $75,000 4 2.5
424 E Union St
Hartford, KY
Single Family Active $98,900 4 2
2024 Woodmere Ct
Hebron, KY
Single Family Active $169,900 4 3
1927 Brooklyn Chapel Rd
Morgantown, KY
Single Family Active $89,900 3 2
112 Valley Brook Dr
Frankfort, KY
Single Family Active $85,000 3 2
250 Commerce St
Hardin, KY
Single Family Active $69,900 4 2
421 Newby Rd
Richmond, KY
Single Family Active $109,900 4 2
136 W Main St
Mount Sterling, KY
Single Family Active $115,000 5 2
2440 Lancaster Rd
Richmond, KY
Single Family Active $299,900 4 5
3510 Mcneil Rd
Boaz, KY
Single Family Active $249,000 3 2
145 Douglas Ave W
Stanford, KY
Single Family Active $115,000 3 2
418 A Mckinney Rd
Glasgow, KY
Single Family Active $72,500 2 1
532 Park Ridge Dr
Richmond, KY
Single Family Active $269,900 4 4
96 Cross Creek Farms Rd
Benton, KY
Single Family Active $209,500 5 4 First Look Program
3401 Wolf Creek Rd
Williamsburg, KY
Single Family Active $83,500 3 1

 

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Louisville Kentucky First Time Home Buyer 2017 Kentucky First Time Home Buyer Grant for $10,000 from Kentucky Housing

Louisville Kentucky First Time Home Buyer 2017 Kentucky First Time Home Buyer Grant for $10,000 from Kentucky Housing


2017 Kentucky First Time Home Buyer Grant for $10,000 from Kentucky Housing
louisvillekentuckyfirsttimehomebuyer.com
A Kentucky Mortgage Blog for First Time Home Buyers in Kentucky

Give us a try or let us compare your options on your next mortgage transaction. Call me locally at 502-905-3708. Free Mortgage Pre-Qualifications same day on most applications.

Email me at kentuckyloan@gmail.com with your questions

I specialize in Kentucky FHA, VA ,USDA, KHC, Conventional and Jumbo mortgage loans. I am based out of Louisville Kentucky. For the first time buyer with little money down, we offer Kentucky Housing or KHC loans with down payment assistance.

This website is not an government agency, and does
not officially represent the HUD, VA, USDA or FHA or any other government agency.

NMLS# 57916 http://www.nmlsconsumeraccess.org/

Joel Lobb Senior Loan Officer

American Mortgage Solutions, Inc.
10602 Timberwood Circle Suite 3
Louisville, KY 40223

phone: (502) 905-3708
Fax: (502) 327-9119
kentuckyloan@gmail.com

Company ID #1364 | MB73346E
EQUAL HOUSING LENDER
http://www.mylouisvillekentuckymortgage.com/

New Fannie Mae Homes in Kentucky


New Fannie Mae Homes in Kentucky

To: kentuckyloan@gmail.com

You have subscribed to receive alerts in Kentucky.

$22,500Back on Market

2691 Us 231 South
Beaver Dam, KY 42320

3 Beds |1 Baths | 1800 sq. ft.

View Property

$72,500Back on Market

3522 Alpha Ct
Erlanger, KY 41018

5 Beds |3 Baths | 1919 sq. ft.

View Property

$104,900Price Reduced

120 Ridgemont Rd
Paducah, KY 42003

3 Beds |3 Baths | 2429 sq. ft.

View Property

$265,000Price Reduced

146 Grand Oak Blvd
Shepherdsville, KY 40165

4 Beds |3 Baths | 2534 sq. ft.

View Property

$25,000Price Reduced

532 Kellacey Rd
West Liberty, KY 41472

3 Beds |1 Baths

View Property

$59,000Price Reduced

517 Washington Ave
Paintsville, KY 41240

3 Beds |2 Baths | 2242 sq. ft.

View Property

$89,900Price Reduced

112 Valley Brook Dr
Frankfort, KY 40601

3 Beds |2 Baths | 1127 sq. ft.

View Property

$28,900Price Reduced

319 H Hale Dr
East Point, KY 41216

3 Beds |2 Baths | 1253 sq. ft.

View Property

$315,000Price Reduced

2440 Lancaster Rd
Richmond, KY 40475

4 Beds |5 Baths | 3525 sq. ft.

View Property

$139,900Price Reduced

1336 Equestrian Way
Frankfort, KY 40601

4 Beds |4 Baths | 1676 sq. ft.

View Property

$64,900Price Reduced

2116 Quillman Rd
Louisville, KY 40214

4 Beds |1 Baths | 1440 sq. ft.

View Property

$180,000Active

11131 Misty Wood Ct
Walton, KY 41094

4 Beds |2.5 Baths

View Property

 

11 New Fannie Mae Homes in Kentucky Louisville Kentucky Mortgage First Time Home Buyer


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You have subscribed to receive alerts in Kentucky.

$145,000Just Listed

1520 Bryan Rd
Boaz, KY 42027

3 Beds |2 Baths | 1421 sq. ft.

View Property

$292,500Just Listed

3510 Mcneil Rd
Boaz, KY 42027

4 Beds |2 Baths

View Property

$126,900Back on Market

7016 Maple Leaf Dr
Maysville, KY 41056

3 Beds |2 Baths | 1680 sq. ft.

View Property

$74,900Price Reduced

313 Town Branch Rd
Manchester, KY 40962

3 Beds |2 Baths | 1248 sq. ft.

View Property

$15,000Price Reduced

2030 Clay St
Paducah, KY 42001

4 Beds |2 Baths | 1660 sq. ft.

View Property

$85,000Price Reduced

20763 Highway 190
Frakes, KY 40940

3 Beds |2 Baths | 1475 sq. ft.

View Property

$21,900Active

210 N 35th St
Louisville, KY 40212

2 Beds |1 Baths | 1119 sq. ft.

View Property

$325,000Active

15500 Pfanstiel Rd
De Mossville, KY 41033

3 Beds |4 Baths | 3389 sq. ft.

View Property

$72,500Active

3522 Alpha Ct
Erlanger, KY 41018

5 Beds |3 Baths | 1919 sq. ft.

View Property

Coming Soon

1924 Northern Dancer Ct
Owensboro, KY 42301

3 Beds |1 Baths | 1160 sq. ft.

View Property

Coming Soon

2885 Laton Turner Rd
Upton, KY 42784

3 Beds |2 Baths | 1800 sq. ft.

Joel Lobb
Senior Loan Officer
(NMLS#57916)

American Mortgage Solutions, Inc.
10602 Timberwood Circle, Suite 3
Louisville, KY 40223

phone: (502) 905-3708
Fax: (502) 327-9119
kentuckyloan@gmail.com

http://www.mylouisvillekentuckymortgage.com

Louisville Kentucky Mortgage Lender for  FHA, VA, KHC, USDA and Rural Housing  Kentucky Mortgage

Louisville Kentucky Mortgage Lender for FHA, VA, KHC, USDA and Rural Housing Kentucky Mortgage
I specialize in Kentucky FHA, VA, USDA & Rural Housing, KHC and Fannie Mae mortgage loans. I have helped over 589 Kentucky families buy their first home and refinance their current mortgage for a lower rate; First time buyer $0 money down still a

Kentucky USDA Rural Housing Homes For Sale and Mortgage Loans


 

 Louisville Kentucky Mortgage Rates

 

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502-905-3708

 

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Please Do Not Reply To This Message**********

Your properties subscription for USDA Single Family Housing is kentuckyloan@gmail.com as of 10/23/2016
State Days Old Counties
KY 365 ADAIR, ALLEN, ANDERSON, BALLARD, BARREN, BATH, BELL, BOONE, BOURBON, BOYD, BOYLE, BRACKEN, BREATHITT, BRECKINRIDGE, BULLITT, BUTLER, CALDWELL, CALLOWAY, CAMPBELL, CARLISLE, CARROLL, CARTER, CASEY, CHRISTIAN, CLARK, CLAY, CLINTON, CRITTENDEN, CUMBERLAND, DAVIESS, EDMONSON, ELLIOTT, ESTILL, FAYETTE, FLEMING, FLOYD, FRANKLIN, FULTON, GALLATIN, GARRARD, GRANT, GRAVES, GRAYSON, GREEN, GREENUP, HANCOCK, HARDIN, HARLAN, HARRISON, HART, HENDERSON, HENRY, HICKMAN, HOPKINS, JACKSON, JEFFERSON, JESSAMINE, JOHNSON, KENTON, KNOTT, KNOX, LARUE, LAUREL, LAWRENCE, LEE, LESLIE, LETCHER, LEWIS, LINCOLN, LIVINGSTON, LOGAN, LYON, MADISON, MAGOFFIN, MARION, MARSHALL, MARTIN, MASON, MCCRACKEN, MCCREARY, MCLEAN, MEADE, MENIFEE, MERCER, METCALFE, MONROE, MONTGOMERY, MORGAN, MUHLENBERG, NELSON, NICHOLAS, OHIO, OLDHAM, OWEN, OWSLEY, PENDLETON, PERRY, PIKE, POWELL, PULASKI, ROBERTSON, ROCKCASTLE, ROWAN, RUSSELL, SCOTT, SHELBY, SIMPSON, SPENCER, TAYLOR, TODD, TRIGG, TRIMBLE, UNION, WARREN, WASHINGTON, WAYNE, WEBSTER, WHITLEY, WOLFE, WOODFORD, WOODFORD
To change your preferences, click here.
Address Bed/Bath Price
23 Hale St. 3/1 $26,800.00 – GovtBid
Stanton, KY 40380 Foreclosure Sale
500 White Oak Rd 3/2 $17,000.00 – GovtBid
Irvine, KY 40336 Foreclosure Sale
148 Falls Lane 3/1 $33,500.00 – GovtBid
Clearfield, KY 40313 Foreclosure Sale
1203 S 6th St 4/2 $12,500.00 – GovtBid
Mayfield, KY 42066 Foreclosure Sale
604 Wells Avenue 3/2 $16,750.00 – GovtBid
Fulton, KY 42041 Foreclosure Sale
15077 N. State Highway 7 3/1 $24,120.00 – GovtBid
Grayson, KY 41143 Foreclosure Sale
1905 Stacy Lane Rd 3/1 $16,750.00 – GovtBid
Irvine, KY 40336 Foreclosure Sale
24 Golden Gates Drive 4/2 $47,570.00 – GovtBid
Wingo, KY 42088 Foreclosure Sale
406 Indian Hills Circle 3/1 $34,170.00 – GovtBid
Vanceburg, KY 41179 Foreclosure Sale
91 Roxanne St 3/1 $18,760.00 – GovtBid
Clearfield, KY 403139771 Foreclosure Sale
117 Beechmont Drive 3/1 $31,490.00 – GovtBid
Nicholasville, KY 40356 Foreclosure Sale
275 Highway 227 N 3/1 $42,210.00 – GovtBid
New Liberty, KY 40355 Foreclosure Sale
1721 Village Lane 3/1 $23,450.00 – GovtBid
Shelbyville, KY 40065 Foreclosure Sale
177 Crawford Rd 3/1 $30,820.00 – GovtBid
Clearfield, KY 403139648 Foreclosure Sale
2201 Brent Drive 3/1 $8,500.00 – GovtBid
Madisonville , KY 42431 Foreclosure Sale
415 Grassy Knoll Rd. 2/2 $28,140.00 – GovtBid
Flemingsburg, KY 41041 Foreclosure Sale
1225 Tim Tam Way 3/2 $64,695.00 – GovtBid
Lawrenceburg, KY 40342 Foreclosure Sale
171 State Route 1461 3/2 $24,790.00 – GovtBid
Fulton, KY 42041 Foreclosure Sale
204 N. Madison St. 2/1 $26,800.00 – GovtBid
Owenton, KY 40359 Foreclosure Sale
125 Gloria Dr. 3/1 $36,850.00 – GovtBid
Shelbyville, KY 400658910 Foreclosure Sale
2 Pebble Court 3/1 $30,820.00 – GovtBid
Frankfort, KY 40601 Foreclosure Sale
381 Dunroven Dr. 4/1.5 $40,200.00 – GovtBid
Versailles, KY 40383 Foreclosure Sale
377 Damron Br. 3/1 $26,130.00 – GovtBid
Grayson, KY 41143 Foreclosure Sale

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 502-905-3708

Joel Lobb
Senior Loan Officer
(NMLS#57916
text or call my phone: (502) 905-3708
email me at kentuckyloan@gmail.com

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). USDA Mortgage loans only offered in Kentucky.

All loans and lines are subject to credit approval, verification, and collateral evaluation and are originated by lender. Products and interest rates are subject to change without notice. Manufactured and mobile homes are not eligible as collateral.

American Mortgage Solutions, Inc.
800 Stone Creek Pkwy, Ste 7,
Louisville, KY 40223
 Company ID #1364 | MB73346

 

Kentucky FHA Mortgage Guidelines


Kentucky FHA Mortgage Guidelines.

via Kentucky FHA Mortgage Guidelines.

Current Guidelines for Louisville Kentucky Mortgage programs including FHA, VA, KHC, USDA, and Fannie Mae Home Loans in the State of Kentucky
NMLS# 57916
502-905-3708
kentuckyloan@gmail.com

Joel Lobb
Senior  Loan Officer

(NMLS#57916)
 
 phone: (502) 905-3708
 Fax:     (502) 327-9119
 
 Company ID #1364 | MB73346

 

KHC’s First Mortgage Government Loan Products


KHC’s First Mortgage Government Loan Products

Federal Housing Administration (FHA)

Minimum 640 credit score required.

Financing to 96.50% of lesser of sales price or appraised value.

All KHC DAPs and other KHC-approved secondary financing may be used.

Maximum 6% seller-paid items.

Maximum ratios of 40/45 with AUS approval.

28 for HUD’s full policy.

All borrowers must be scored by TOTAL and receive approve/eligible or accept/accept.

Lender must follow the FHA maximum mortgage limits for particular area

see https://entp.hud.gov/idapp/html/hicostlook.cf

just follow Upfront and Annual Mortgage Insurance Premiums Guidelines (see information below).

Upfront and Annual Mortgage Insurance Premiums

Loan Terms Greater than 15 Years

Case numbers on or after Monday, April 18, 2011

LTV less than or equal to 95%

1% annual 1.10 monthly

LTV greater than 95%

1% annual 1.15 monthly

Conventional

Minimum 660 credit score required

Maximum loan-to-value (LTV) ratio is 80%.

Maximum ratios 40/45 with AUS approval.

No down payment assistance products may be used. Borrower must meet down payment requirements with their own funds or a gift.

Federal Home Loan Bank monies allowed once borrower meets the 20% down payment requirement. Must be entered as subordinate

financing in DU/LP.

Pre-purchase education required as per AUS findings.

Not available for manufactured housing.

Appraiser Independence required (see page 4).

KHC does not presently have a product for 81% LTV or greater.

Rural Housing Services (RHS)

Minimum 640 credit score required.

Financing to 100% of the appraised value, plus guarantee fee of 3.5%.

All KHC DAP programs and other KHC-approved secondary financing may be used.

No maximum on seller-paid items.

Ratio requirements and guarantee fee per agency guidelines.

KHC will accept Government Underwriting System (GUS) findings, including reduced documentation and, with approval, expanded

ratios up to 40/45.

Veteran’s Administration (VA)

Minimum 640 credit score required.

Ratios up to 40/45% with AUS Approval.

Financing to 100% of the lesser of the appraised value or sale price.

All KHC DAP programs and other KHC-approved secondary financing may be used.

Maximum 4% seller-paid items.

Follow agency guidelines for ratio requirements and funding fee.

>kENTUCKY FHA Program Quick Reference 2011


>FHA Program Quick Reference

Terms 15 & 30 Year Fixed

Loan Amount Minimum loan amount = $50,000 Base loan amount

Current HUD limits apply by the county in which the property is located.

For specific counties, see https://entp.hud.gov/idapp/html/hicostlook.cfm

Max LTV/CLTV Purchase = 96.5% LTV/100% CLTV

Streamline Refinance = 97.75% LTV/97.75% CLTV

Cash-Out Refinance = 85% LTV/85% CLTV

Min. Credit Score Minimum Loan Score for all streamline refinances: 640

The minimum Loan Score for non-High Balance FHA cash-out refinance transactions: 640

Occupancy Owner-Occupied

Second Homes & Investment allowed on FHA Streamline (principal balance only refinance)

Ratios 31%/43%

Transaction Types Purchase, Rate & Term Refinance, Streamline Refinance & Purchase

Eligible Borrowers U.S. Citizens, Permanent Resident Aliens & Non-Permanent Resident Aliens

Income Documentation Full/Alt Doc

Residual Income None required

Reserves 1-2 Units: None required

3-4 Units: 3 months PITI

Property Types SFR, 2-4 units, PUDs, FHA approved Condos

Mortgage Insurance Upfront: 1.00% for all LTVs and Terms, 1.00% on all Streamlines

Annual: 30 year – .85% for LTVs less than or equal to 95%, .90% for LTVs greater than 95%

15 year – no charge if initial LTV is 89.99% or lower, .25% for 90% LTV or greater

Seller Concessions 6% seller concessions are permitted

Down Payment