tag:blogger.com,1999:blog-87532480477230905502024-03-24T16:33:07.622-07:00100% Financing Zero Down Payment Kentucky Mortgage Home Loans for Kentucky First time Home Buyers100% Financing Zero Down Payment Kentucky Mortgage Loans for Kentucky First Time Homebuyers. I hope you find this website educational and informative, giving you the confidence when buying your first Kentucky Home. USDA, VA, KHC, and FHA loans all offer $0 Down Home Loan Options-Text or Call for your free application 502-905-3708- Email Kentuckyloan@gmail.com
Equal Housing Lender NMLS#57916. This website is not affiliated with any government agency.
Joel Lobb, Mortgage Broker FHA, VA, KHC, USDAhttp://www.blogger.com/profile/14742291613632757087noreply@blogger.comBlogger581125tag:blogger.com,1999:blog-8753248047723090550.post-47738708795995468212024-03-24T09:19:00.000-07:002024-03-24T09:19:53.568-07:00Credit Scores Required for Kentucky Mortgage Loan Approvals for FHA, VA,...<iframe width="480" height="270" src="https://youtube.com/embed/iM74Gt0GmMI?si=vwsth0QyAH37Qpa_" frameborder="0"></iframe>Joel Lobb, Mortgage Broker FHA, VA, KHC, USDAhttp://www.blogger.com/profile/14742291613632757087noreply@blogger.comtag:blogger.com,1999:blog-8753248047723090550.post-64654692634727885882024-03-24T07:43:00.001-07:002024-03-24T07:43:26.773-07:00Louisville Kentucky Mortgage Lender for FHA, VA, KHC, USDA and Rural Housing Kentucky Mortgages: Kentucky Mortgage Rates Today for 30 year fixed ra...<a href="https://www.mylouisvillekentuckymortgage.com/2024/03/kentucky-mortgage-rates-today-for-30.html?spref=bl">Louisville Kentucky Mortgage Lender for FHA, VA, KHC, USDA and Rural Housing Kentucky Mortgages: Kentucky Mortgage Rates Today for 30 year fixed ra...</a>: Rates are subject to change without notice. Other fees, sometimes referred to as "Third-Party Fees", will also be r...Joel Lobb, Mortgage Broker FHA, VA, KHC, USDAhttp://www.blogger.com/profile/14742291613632757087noreply@blogger.comtag:blogger.com,1999:blog-8753248047723090550.post-5812592808864465742024-03-24T07:43:00.000-07:002024-03-24T07:43:15.382-07:00Louisville Kentucky Mortgage Lender for FHA, VA, KHC, USDA and Rural Housing Kentucky Mortgages: Kentucky Mortgage Rates Today for 30 year fixed ra...<a href="https://www.mylouisvillekentuckymortgage.com/2024/03/kentucky-mortgage-rates-today-for-30.html?spref=bl">Louisville Kentucky Mortgage Lender for FHA, VA, KHC, USDA and Rural Housing Kentucky Mortgages: Kentucky Mortgage Rates Today for 30 year fixed ra...</a>: Rates are subject to change without notice. Other fees, sometimes referred to as "Third-Party Fees", will also be r...Joel Lobb, Mortgage Broker FHA, VA, KHC, USDAhttp://www.blogger.com/profile/14742291613632757087noreply@blogger.comtag:blogger.com,1999:blog-8753248047723090550.post-85506325481659213282024-03-21T10:20:00.000-07:002024-03-21T10:20:48.766-07:00Louisville Kentucky Mortgage Lender for FHA, VA, KHC, USDA and Rural Housing Kentucky Mortgages: Kentucky Fannie Mae or Freddie Mac $2500 in assist...<a href="https://www.mylouisvillekentuckymortgage.com/2024/03/kentucky-fannie-mae-or-freddie-mac-2500.html?spref=bl">Louisville Kentucky Mortgage Lender for FHA, VA, KHC, USDA and Rural Housing Kentucky Mortgages: Kentucky Fannie Mae or Freddie Mac $2500 in assist...</a>: Kentucky Fannie Mae HomeReady and Freddie Mac Home Possible purchase borrowers may receive $2500 in assistance toward the down payment a...Joel Lobb, Mortgage Broker FHA, VA, KHC, USDAhttp://www.blogger.com/profile/14742291613632757087noreply@blogger.comtag:blogger.com,1999:blog-8753248047723090550.post-81734888132021859472024-03-18T03:08:00.000-07:002024-03-18T03:08:08.360-07:00How 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-8753248047723090550.post-14304710468053028972024-03-14T03:30:00.000-07:002024-03-14T03:30:34.292-07:00Louisville Kentucky Mortgage Lender for FHA, VA, KHC, USDA and Rural Housing Kentucky Mortgages: Joel Lobb: A Guide for First-Time Home Buyers in K...<a href="https://www.mylouisvillekentuckymortgage.com/2024/03/joel-lobb-guide-for-first-time-home.html?spref=bl">Louisville Kentucky Mortgage Lender for FHA, VA, KHC, USDA and Rural Housing Kentucky Mortgages: Joel Lobb: A Guide for First-Time Home Buyers in K...</a>: First-time home buyers in Kentucky Joel Lobb Joel Lobb is a prominent figure in the Kentucky mortgage landscape, especially for those emba...Joel Lobb, Mortgage Broker FHA, VA, KHC, USDAhttp://www.blogger.com/profile/14742291613632757087noreply@blogger.comtag:blogger.com,1999:blog-8753248047723090550.post-9037862759778766542024-03-09T07:29:00.000-08:002024-03-09T07:29:26.333-08:00Louisville Kentucky Mortgage Lender for FHA, VA, KHC, USDA and Rural Housing Kentucky Mortgages: Joel Lobb: A Guide for First-Time Home Buyers in K...<a href="https://www.mylouisvillekentuckymortgage.com/2024/03/joel-lobb-guide-for-first-time-home.html?spref=bl">Louisville Kentucky Mortgage Lender for FHA, VA, KHC, USDA and Rural Housing Kentucky Mortgages: Joel Lobb: A Guide for First-Time Home Buyers in K...</a>: First-time home buyers in Kentucky Joel Lobb Joel Lobb is a prominent figure in the Kentucky mortgage landscape, especially for those emba...Joel Lobb, Mortgage Broker FHA, VA, KHC, USDAhttp://www.blogger.com/profile/14742291613632757087noreply@blogger.comtag:blogger.com,1999:blog-8753248047723090550.post-58192456273810330632024-02-19T07:14:00.000-08:002024-02-19T07:14:38.313-08:00Louisville Kentucky Mortgage Lender for FHA, VA, KHC, USDA and Rural Housing Kentucky Mortgages: Kentucky First Time Home Buyer Approval Requiremen...<a href="https://www.mylouisvillekentuckymortgage.com/2024/02/kentucky-first-time-home-buyer-approval.html?spref=bl">Louisville Kentucky Mortgage Lender for FHA, VA, KHC, USDA and Rural Housing Kentucky Mortgages: Kentucky First Time Home Buyer Approval Requiremen...</a>: Here's a more comprehensive breakdown of what it takes to get approved for a mortgage loan in Kentucky as a first-time homebuyer: * C...Joel Lobb, Mortgage Broker FHA, VA, KHC, USDAhttp://www.blogger.com/profile/14742291613632757087noreply@blogger.comtag:blogger.com,1999:blog-8753248047723090550.post-49296916065683941072024-02-17T09:49:00.000-08:002024-02-17T09:49:55.858-08:00Kentucky First Time Home Buyer Loan Options<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/AVvXsEiC-yQzIFFdCuufTtrqRJ_DzCdBDm_Xm2dTiOhP0ip0FHdnrDuJ7LNQERLESUqeNd9xbdZsCwGJiLnRpl1e4uIm_tPo6GLBjYfgG63TNRDD_MyLTnXtyomUMpC-plnkcLmjPIehodKLhGlAYGKFSAoPFkBVc7oOTNz3-KmxqGmKlHPF_yij0vvbqKeF6O5L4ZIHr8ctTg=s0-d-e1-ft" width="200" /></p><p style="color: #222222;"><img src="https://blogger.googleusercontent.com/img/proxy/AVvXsEhrjhAId5D6CEe884N-VcQyFZGlxwGk0nkwxSB7Oa1ws_VWSsgRRYvIFDZxrqPoAdsCXHG6DeRXi__nI8aHx0Rm5yjc1uDIHdUaydybkBCPgOZkSlowChTF3Fl1Zm3QOB1nP_pvP0jhvebBfKAfQMgBJz9Xi6dcBZfGlffNcnocw_RaEflTgpKFLfRXoW3SIRzu1F8hn5GutMNdRdCR36xzXI21ZAYS_iM=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-8753248047723090550.post-89099877624387349662024-02-15T06:56:00.000-08:002024-02-15T06:56:30.999-08:00Louisville Kentucky Mortgage Lender for FHA, VA, KHC, USDA and Rural Housing Kentucky Mortgages: Kentucky's Welcome Home Grant: A $20,000 Grant To ...<a href="https://www.mylouisvillekentuckymortgage.com/2024/02/kentuckys-welcome-home-grant-20000.html?spref=bl">Louisville Kentucky Mortgage Lender for FHA, VA, KHC, USDA and Rural Housing Kentucky Mortgages: Kentucky's Welcome Home Grant: A $20,000 Grant To ...</a>: KENTUCKY WELCOME GRANT INFORMATION FOR QUALIFYING IN 2024 Kentucky's Welcome Home Grant: A $20,000 Boost for Homeownership! Dreaming of...Joel Lobb, Mortgage Broker FHA, VA, KHC, USDAhttp://www.blogger.com/profile/14742291613632757087noreply@blogger.comtag:blogger.com,1999:blog-8753248047723090550.post-71018730905632856412024-02-12T14:10:00.000-08:002024-02-12T14:10:51.637-08:00Louisville Kentucky Mortgage Lender for FHA, VA, KHC, USDA and Rural Housing Kentucky Mortgages: Kentucky's Welcome Home Grant: A $20,000 Grant To ...<a href="https://www.mylouisvillekentuckymortgage.com/2024/02/kentuckys-welcome-home-grant-20000.html?spref=bl">Louisville Kentucky Mortgage Lender for FHA, VA, KHC, USDA and Rural Housing Kentucky Mortgages: Kentucky's Welcome Home Grant: A $20,000 Grant To ...</a>: KENTUCKY WELCOME GRANT INFORMATION FOR QUALIFYING IN 2024 Kentucky's Welcome Home Grant: A $20,000 Boost for Homeownership! Dreaming of...Joel Lobb, Mortgage Broker FHA, VA, KHC, USDAhttp://www.blogger.com/profile/14742291613632757087noreply@blogger.comtag:blogger.com,1999:blog-8753248047723090550.post-80184812704799359432024-02-12T12:12:00.000-08:002024-02-12T12:12:24.245-08:00Louisville Kentucky VA Home Loan Mortgage Lender: A Guide to VA Loans for First-Time Buyers in Kentucky<a href="https://kentuckyvamortgageloan.blogspot.com/2024/02/a-guide-to-va-loans-for-first-time.html?spref=bl">Louisville Kentucky VA Home Loan Mortgage Lender: A Guide to VA Loans for First-Time Buyers in Kentucky</a>: Owning Your Dream Home in Kentucky: A Guide to VA Loans for First-Time Buyers As a first-time homebuyer in Kentucky, navigating the mortga...Joel Lobb, Mortgage Broker FHA, VA, KHC, USDAhttp://www.blogger.com/profile/14742291613632757087noreply@blogger.comtag:blogger.com,1999:blog-8753248047723090550.post-59653380261127414402024-02-08T08:22:00.000-08:002024-02-08T08:22:47.710-08:00Louisville 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-8753248047723090550.post-46421619129653225552024-02-06T12:17:00.000-08:002024-02-06T12:17:58.144-08:00Kentucky USDA Rural Housing Mortgage Lender: Difference Between 502 Guarantee Loan and Direct L...<a href="https://kentuckyruralhousingusdaloan.blogspot.com/2013/05/difference-between-502-guarantee-loan.html?spref=bl">Kentucky USDA Rural Housing Mortgage Lender: Difference Between 502 Guarantee Loan and Direct L...</a>: The important differences between the Kentucky Section 502 guaranteed and Kentucky direct USDA and RHS loan programs are as follows...Joel Lobb, Mortgage Broker FHA, VA, KHC, USDAhttp://www.blogger.com/profile/14742291613632757087noreply@blogger.comtag:blogger.com,1999:blog-8753248047723090550.post-21049723427443674542024-01-28T06:14:00.000-08:002024-01-28T06:18:51.077-08:00Different Types of Kentucky Home Loans<div><br /></div><div><br /></div><iframe frameborder="0" height="270" src="https://youtube.com/embed/EPxnsVOvfKA?si=Lv-fPGM9g8lDILfT" width="480"></iframe><div><br /></div><div><br /></div><div><div class="gmail-m_7801065473372711877gmail-content-area" id="gmail-m_7801065473372711877gmail-primary" style="background-color: white; border: 0px; box-sizing: border-box; color: #666666; font-family: "Roboto Slab", Georgia, Times, serif; font-size: 18px; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"><div class="gmail-m_7801065473372711877gmail-site-content" id="gmail-m_7801065473372711877gmail-content" 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;"><div class="gmail-m_7801065473372711877entry-content" 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;"><div class="gmail-m_7801065473372711877gmail-pd-rating" id="gmail-m_7801065473372711877gmail-pd_rating_holder_3892066_post_4561" 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;"><h2 class="gmail-m_7801065473372711877gmail-rating-msg" id="gmail-m_7801065473372711877gmail-PDRTJS_3892066_post_4561_msg" style="border: 0px; box-sizing: border-box; clear: both; font-size: 28px; font-style: inherit; font-weight: 400; margin: 27px 0px; outline: 0px; padding: 0px; vertical-align: baseline;"><span style="box-sizing: border-box; font-weight: 700;"><u style="box-sizing: border-box;">Kentucky First Time Home Buyer Programs </u></span></h2><div 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;"> </div></div><div class="gmail-m_7801065473372711877gmail-post-body gmail-m_7801065473372711877entry-content" id="gmail-m_7801065473372711877gmail-post-body-614733163964173989" 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;"><div class="gmail_quote" 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;"><div dir="ltr" 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;"><div 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;"> </div><div 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;"><div class="gmail-m_7801065473372711877gmail-separator" 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;"> </div><div 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;"> </div><h3 style="border: 0px; box-sizing: border-box; clear: both; font-size: 24px; font-style: inherit; font-weight: 400; margin: 27px 0px; outline: 0px; padding: 0px; vertical-align: baseline;"><span style="border: 0px; box-sizing: border-box; color: black; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"><span style="box-sizing: border-box; font-weight: 700;"><a href="http://www.mylouisvillekentuckymortgage.com/2013/08/minimum-credit-score-needed-to-buy-house.html" rel="noopener" style="border: 0px; box-sizing: border-box; color: black; 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">Conventional Loan</a></span></span></h3><div 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;"> </div><div 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;"><span style="border: 0px; box-sizing: border-box; color: black; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;">• At least 3%-5% down</span></div><div 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;"><span style="border: 0px; box-sizing: border-box; color: black; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;">•<span class="gmail-m_7801065473372711877gmail-m_-5530264177157623299m_-7290518685589164532gmail-Apple-tab-span" 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;"> 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.</span></span></div><div 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;"><span style="border: 0px; box-sizing: border-box; color: black; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;">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.</span></div><div 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;"><span style="border: 0px; box-sizing: border-box; color: black; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;">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.</span></div><div 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;"><span style="border: 0px; box-sizing: border-box; color: black; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;">Conventional loans require 4-7 years removed from Bankruptcy and foreclosure.</span></div><div 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;"> </div><div 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;"> </div><h3 style="border: 0px; box-sizing: border-box; clear: both; font-size: 24px; font-style: inherit; font-weight: 400; margin: 27px 0px; outline: 0px; padding: 0px; vertical-align: baseline;"><span style="border: 0px; box-sizing: border-box; color: black; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"><span style="box-sizing: border-box; font-weight: 700;"><a href="http://kentuckyruralhousingusdaloan.blogspot.com/" rel="noopener" style="border: 0px; box-sizing: border-box; color: black; 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">Kentucky USDA Rural Housing Program</a></span></span></h3><div 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;"> </div><div 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;"><span style="border: 0px; box-sizing: border-box; color: black; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;">If you meet income eligibility requirements and are looking to settle in a rural area, you might qualify for the <a href="http://kentuckyruralhousingusdaloan.blogspot.com/" rel="noopener" style="border: 0px; box-sizing: border-box; color: black; 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">KY USDA Rural Housing program</a>. 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></div><div 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;"><span style="border: 0px; box-sizing: border-box; color: black; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;">Fico scores 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></div><div 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;"><span style="border: 0px; box-sizing: border-box; color: black; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;">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></div><div 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;"><span style="border: 0px; box-sizing: border-box; color: black; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;">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></div><div 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;"><span style="border: 0px; box-sizing: border-box; color: black; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;">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></div><div 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;"><span style="border: 0px; box-sizing: border-box; color: black; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;">There is a map link below to see the qualifying areas.</span></div><div 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;"><span style="border: 0px; box-sizing: border-box; color: black; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;">There is also a max household income limits with most cutoff starting at $109000 for a family of four, and up to $146000 for a family of five or more.</span></div><div 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;"><span style="border: 0px; box-sizing: border-box; color: black; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;">USDA requires 3 years removed from bankruptcy and foreclosure.</span></div><div 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;"><span style="border: 0px; box-sizing: border-box; color: black; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;">There is no max USDA loan limit.</span></div></div><div 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;"> </div><div 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;"><h3 style="border: 0px; box-sizing: border-box; clear: both; font-size: 24px; font-style: inherit; font-weight: 400; margin: 27px 0px; outline: 0px; padding: 0px; vertical-align: baseline;"><span style="border: 0px; box-sizing: border-box; color: black; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"><span style="box-sizing: border-box; font-weight: 700;"><a href="https://kentuckyfhaloan.wordpress.com/" rel="noopener" style="border: 0px; box-sizing: border-box; color: black; 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">Kentucky FHA Loan</a></span></span></h3></div><div 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;"> </div><div 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;"><div 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;"><span style="border: 0px; box-sizing: border-box; color: black; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;">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.</span></div><div 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;"><span style="border: 0px; box-sizing: border-box; color: black; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"><br /></span></div><div 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;"><span style="border: 0px; box-sizing: border-box; color: black; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;">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. As I tell borrowers, you will not have the loan for 30 years, so don’t worry too much about the mi premiums.</span></div><div 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;"><span style="border: 0px; box-sizing: border-box; color: black; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"><br /></span></div><div 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;"><span style="border: 0px; box-sizing: border-box; color: black; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;">The mi premiums are for life of loan like USDA.</span></div><div 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;"><span style="border: 0px; box-sizing: border-box; color: black; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"><br /></span></div><div 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;"><span style="border: 0px; box-sizing: border-box; color: black; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;">FHA requires 2 years removed from bankruptcy and 3 years removed from foreclosure.</span></div><div 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;"><span style="border: 0px; box-sizing: border-box; color: black; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"><br /></span></div><div 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;"><span style="border: 0px; box-sizing: border-box; color: black; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;">Maximum FHA loan limits in Kentucky are set around $498,000.00 and below.</span></div></div><div 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;"> </div><div 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;"><h3 style="border: 0px; box-sizing: border-box; clear: both; font-size: 24px; font-style: inherit; font-weight: 400; margin: 27px 0px; outline: 0px; padding: 0px; vertical-align: baseline;"><span style="border: 0px; box-sizing: border-box; color: black; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"><span style="box-sizing: border-box; font-weight: 700;"><a href="https://kentuckyvaloan.wordpress.com/" rel="noopener" style="border: 0px; box-sizing: border-box; color: black; 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">Kentucky VA Loan</a></span></span></h3><div 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;"> </div><div 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;"><span style="border: 0px; box-sizing: border-box; color: black; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;">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% for first time use, and 3% 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.</span></div><div 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;"><span style="border: 0px; box-sizing: border-box; color: black; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;">VA loans can be made anywhere, unlike the USDA restrictions, and there is no income household limit and the no maximum loan limits in Kentucky</span></div><div 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;"><span style="border: 0px; box-sizing: border-box; color: black; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;">Most VA lenders I work with will want a 620 credit score though I am setup with lenders that will go down to a 560 credit score if I can get it approved.</span></div><div 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;"><span style="border: 0px; box-sizing: border-box; color: black; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;">VA says on paper no minimum fico score but very hard to get approved with secondary market lenders currently.</span></div><div 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;"><span style="border: 0px; box-sizing: border-box; color: black; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;">VA requires 2 years removed from bankruptcy or foreclosure.</span></div><div 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;"> </div><div 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;"> </div></div><div 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;"> </div></div></div></div></div></div></div><div class="gmail-m_7801065473372711877gmail-content-area" id="gmail-m_7801065473372711877gmail-primary" style="background-color: white; border: 0px; box-sizing: border-box; color: #666666; font-family: "Roboto Slab", Georgia, Times, serif; font-size: 18px; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"><div class="gmail-m_7801065473372711877gmail-site-content" id="gmail-m_7801065473372711877gmail-content" 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;"><div class="gmail-m_7801065473372711877entry-content" 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;"><div class="gmail-m_7801065473372711877gmail-post-body gmail-m_7801065473372711877entry-content" id="gmail-m_7801065473372711877gmail-post-body-614733163964173989" 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;"><div class="gmail_quote" 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;"><div dir="ltr" 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;"><div class="gmail-m_7801065473372711877gmail-post-body gmail-m_7801065473372711877entry-content" id="gmail-m_7801065473372711877gmail-post-body-614733163964173989" 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;"><div class="gmail_quote" 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;"><div dir="ltr" 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;"><div 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;"><h3 style="border: 0px; box-sizing: border-box; clear: both; font-size: 24px; font-style: inherit; font-weight: 400; margin: 27px 0px; outline: 0px; padding: 0px; vertical-align: baseline;"><span style="border: 0px; box-sizing: border-box; color: black; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"><span style="box-sizing: border-box; font-weight: 700;"><a href="https://kyfirsttimehomebuyer.wordpress.com/" rel="noopener noreferrer" style="border: 0px; box-sizing: border-box; color: black; 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">Kentucky Down Payment Assistance</a></span></span></h3><div 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;"> </div><div 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;"><span style="border: 0px; box-sizing: border-box; color: black; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;">This type of loan is administered by KHC in the state of Kentucky. They typically have $10,000 down payment assistance year around, that is in the form of a second mortgage that you pay back over 10 years.</span></div><div 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;"> </div></div><div 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;"><span style="border: 0px; box-sizing: border-box; color: black; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;">Sometimes they will come to market with other down payment assistance and lower market rates to benefit lower income households with not a lot of money for down payment.</span></div><div 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;"> </div><div 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;"><span style="border: 0px; box-sizing: border-box; color: black; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;">KHC offers FHA, VA, USDA, and Conventional loans with their minimum credit scores being set at 620 for all programs. The conventional loan requirements at 660</span></div><div 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;"><span style="border: 0px; box-sizing: border-box; color: black; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"><br /></span></div><div 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;"><span style="border: 0px; box-sizing: border-box; color: black; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"><br /></span></div><div style="border: 0px; box-sizing: border-box; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; 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box-sizing: inherit; clear: both; display: block; float: none; height: auto; margin-left: -240px; margin-right: 0px; max-width: 140%; vertical-align: middle; width: auto;" title="Kentucky Mortgage Lender for FHA, VA, USDA and KHC Mortgage loans" /></p><h1 style="box-sizing: inherit; clear: both; color: #1a1a1a; font-family: Merriweather, Georgia, serif; font-size: 2.0625rem; line-height: 1.27273; margin: 0px 0px 0.848485em; text-rendering: optimizelegibility;"><span style="box-sizing: inherit;">Joel Lobb </span><span style="box-sizing: inherit;">Mortgage Loan Officer</span></h1><span style="box-sizing: inherit; color: #1a1a1a; font-family: Merriweather, Georgia, serif; font-size: 16px; font-weight: 700;">American Mortgage Solutions, Inc.</span><br style="box-sizing: inherit; color: #1a1a1a; font-family: Merriweather, Georgia, serif; font-size: 16px;" /><span style="box-sizing: inherit; color: #1a1a1a; font-family: Merriweather, Georgia, serif; font-size: 16px; font-weight: 700;">10602 Timberwood Circle</span><br style="box-sizing: inherit; color: #1a1a1a; font-family: Merriweather, Georgia, serif; font-size: 16px;" /><span style="box-sizing: inherit; color: #1a1a1a; font-family: Merriweather, Georgia, serif; font-size: 16px; font-weight: 700;">Louisville, KY 40223</span><br style="box-sizing: inherit; color: #1a1a1a; font-family: Merriweather, Georgia, serif; font-size: 16px;" /><span style="box-sizing: inherit; color: #1a1a1a; font-family: Merriweather, Georgia, serif; font-size: 16px; font-weight: 700;">Company NMLS ID #1364</span><br style="box-sizing: inherit; color: #1a1a1a; font-family: Merriweather, Georgia, serif; font-size: 16px;" /><br style="box-sizing: inherit; color: #1a1a1a; font-family: Merriweather, Georgia, serif; font-size: 16px;" /><span style="box-sizing: inherit; color: #1a1a1a; font-family: Merriweather, Georgia, serif; font-size: 16px; font-weight: 700;">Text/call: 502-905-3708</span><br style="box-sizing: inherit; color: #1a1a1a; font-family: Merriweather, Georgia, serif; font-size: 16px;" /><span style="box-sizing: inherit; color: #1a1a1a; font-family: Merriweather, Georgia, serif; font-size: 16px; font-weight: 700;">fax: 502-327-9119<br style="box-sizing: inherit;" />email:</span><span style="box-sizing: inherit; color: #1a1a1a; font-family: Merriweather, Georgia, serif; font-size: 16px; font-weight: 700;"> <a href="mailto:kentuckyloan@gmail.com" rel="noopener" style="background-color: transparent; box-shadow: currentcolor 0px 1px 0px 0px; box-sizing: inherit; color: #007acc; text-decoration-line: none;" target="_blank">kentuckyloan@gmail.com</a></span><br style="box-sizing: inherit; color: #1a1a1a; font-family: Merriweather, Georgia, serif; font-size: 16px;" /><p style="box-sizing: inherit; color: #1a1a1a; font-family: Merriweather, Georgia, serif; font-size: 16px; margin: 0px 0px 1.75em;"><span style="box-sizing: inherit; font-weight: 700;"><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="noopener" style="background-color: transparent; box-shadow: currentcolor 0px 1px 0px 0px; box-sizing: inherit; color: #007acc; text-decoration-line: none;" target="_blank">http://www.mylouisvillekentuckymortgage.com/</a></span></p><p style="box-sizing: inherit; color: #1a1a1a; font-family: Merriweather, Georgia, serif; font-size: 16px; margin: 0px 0px 1.75em;"><img src="https://blogger.googleusercontent.com/img/proxy/AVvXsEhrjhAId5D6CEe884N-VcQyFZGlxwGk0nkwxSB7Oa1ws_VWSsgRRYvIFDZxrqPoAdsCXHG6DeRXi__nI8aHx0Rm5yjc1uDIHdUaydybkBCPgOZkSlowChTF3Fl1Zm3QOB1nP_pvP0jhvebBfKAfQMgBJz9Xi6dcBZfGlffNcnocw_RaEflTgpKFLfRXoW3SIRzu1F8hn5GutMNdRdCR36xzXI21ZAYS_iM=s0-d-e1-ft" style="border: 0px; box-sizing: inherit; height: auto; max-width: 100%; vertical-align: middle;" /></p><p style="box-sizing: inherit; color: #1a1a1a; font-family: Merriweather, Georgia, serif; font-size: 16px; margin: 0px 0px 1.75em;"> </p><div><br /></div></div></div></span></div></div></div></div></div></div></div></div></div></div></div><br />Joel Lobb, Mortgage Broker FHA, VA, KHC, USDAhttp://www.blogger.com/profile/14742291613632757087noreply@blogger.comtag:blogger.com,1999:blog-8753248047723090550.post-91490571244319844232024-01-20T07:16:00.000-08:002024-01-20T07:16:33.915-08:00Louisville Kentucky Mortgage Lender for FHA, VA, KHC, USDA and Rural Housing Kentucky Mortgages:
Kentucky Down payment assistance loans are a...<a href="https://www.mylouisvillekentuckymortgage.com/2024/01/kentucky-down-payment-assistance-loans.html?spref=bl">Louisville Kentucky Mortgage Lender for FHA, VA, KHC, USDA and Rural Housing Kentucky Mortgages:
Kentucky Down payment assistance loans are a...</a>: Kentucky Down payment assistance loans are available up to $20,000 for Mortgage with Welcome Home Grant 2024 Information for Kent...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-8753248047723090550.post-44176972047708880092024-01-18T02:43:00.000-08:002024-01-18T02:43:36.427-08:00Louisville Kentucky Mortgage Lender for FHA, VA, KHC, USDA and Rural Housing Kentucky Mortgages: What is the minimum Credit Score Needed to Buy a H...<a href="https://www.mylouisvillekentuckymortgage.com/2013/08/minimum-credit-score-needed-to-buy-house.html?spref=bl">Louisville Kentucky Mortgage Lender for FHA, VA, KHC, USDA and Rural Housing Kentucky Mortgages: What is the minimum Credit Score Needed to Buy a H...</a>: Credit Score Needed to Buy a House and get a Kentucky Mortgage? Conventional Loan • At least 3%-5% down• Closing costs will vary on which r...Joel Lobb, Mortgage Broker FHA, VA, KHC, USDAhttp://www.blogger.com/profile/14742291613632757087noreply@blogger.comtag:blogger.com,1999:blog-8753248047723090550.post-4345310622546609102024-01-16T07:04:00.000-08:002024-01-16T07:04:33.988-08:00Louisville Kentucky Mortgage Lender for FHA, VA, KHC, USDA and Rural Housing Kentucky Mortgages: Documents Needed Mortgage Approval in Kentucky<a href="https://www.mylouisvillekentuckymortgage.com/p/documents-needed-for-mortgage-loan.html?spref=bl">Louisville Kentucky Mortgage Lender for FHA, VA, KHC, USDA and Rural Housing Kentucky Mortgages: Documents Needed Mortgage Approval in Kentucky</a>: Documents Needed For All Loan Applications ALL BORROWERS: Copies of W-2's for the last two years; Copies of paycheck stubs ...Joel Lobb, Mortgage Broker FHA, VA, KHC, USDAhttp://www.blogger.com/profile/14742291613632757087noreply@blogger.comtag:blogger.com,1999:blog-8753248047723090550.post-19463695540561578302024-01-14T05:25:00.000-08:002024-01-14T05:25:48.142-08:00Kentucky USDA Rural Housing Mortgage Lender: 100 percent Financing Kentucky USDA Rural Developm...<a href="https://kentuckyruralhousingusdaloan.blogspot.com/2016/02/100-percent-financing-kentucky-usda.html?spref=bl">Kentucky USDA Rural Housing Mortgage Lender: 100 percent Financing Kentucky USDA Rural Developm...</a>: Kentucky Rural Housing Loans USDA home loans in Kentucky are also known as the Rural Development Loan or RHS Loans. It is one of t...Joel Lobb, Mortgage Broker FHA, VA, KHC, USDAhttp://www.blogger.com/profile/14742291613632757087noreply@blogger.comtag:blogger.com,1999:blog-8753248047723090550.post-5935705994163455262024-01-13T06:34:00.000-08:002024-01-13T06:34:20.349-08:00Louisville Kentucky Mortgage Lender for FHA, VA, KHC, USDA and Rural Housing Kentucky Mortgages: Down Payment Assistance Kentucky 2024 Kentucky Hou...<a href="https://www.mylouisvillekentuckymortgage.com/p/khc-loan-programs.html?spref=bl">Louisville Kentucky Mortgage Lender for FHA, VA, KHC, USDA and Rural Housing Kentucky Mortgages: Down Payment Assistance Kentucky 2024 Kentucky Hou...</a>: Kentucky Down payment assistance loans are available up to $10,000 for Mortgage KHC recognizes that down payments, closing costs, and prep...Joel Lobb, Mortgage Broker FHA, VA, KHC, USDAhttp://www.blogger.com/profile/14742291613632757087noreply@blogger.comtag:blogger.com,1999:blog-8753248047723090550.post-16292279946356113632024-01-08T06:23:00.000-08:002024-01-08T06:23:04.661-08:00Kentucky 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-8753248047723090550.post-35997894653635900622024-01-02T06:51:00.000-08:002024-01-02T06:51:36.022-08:00Kentucky USDA Rural Housing Mortgage Lender: Kentucky USDA Rural Housing Mortgage Qualifying Gu...<a href="https://kentuckyruralhousingusdaloan.blogspot.com/2023/08/kentucky-usda-rural-housing-mortgage.html?spref=bl">Kentucky USDA Rural Housing Mortgage Lender: Kentucky USDA Rural Housing Mortgage Qualifying Gu...</a>: ENTUCKY USDA RURAL HOUSING UNDERWRITING GUIDELINES Kentucky Rural Development Mortgage Guide No Down Payment Required, Zero NADA! – Kentu...Joel Lobb, Mortgage Broker FHA, VA, KHC, USDAhttp://www.blogger.com/profile/14742291613632757087noreply@blogger.comtag:blogger.com,1999:blog-8753248047723090550.post-28447253884392179702023-12-24T08:05:00.000-08:002023-12-24T08:05:21.448-08:00Louisville Kentucky Mortgage Lender for FHA, VA, KHC, USDA and Rural Housing Kentucky Mortgages: Kentucky FHA Mortgage Loans and Kentucky Fannie Ma...<a href="https://www.mylouisvillekentuckymortgage.com/2022/12/kentucky-fha-loans-and-kentucky-fannie.html?spref=bl">Louisville Kentucky Mortgage Lender for FHA, VA, KHC, USDA and Rural Housing Kentucky Mortgages: Kentucky FHA Mortgage Loans and Kentucky Fannie Ma...</a>: 2024 Kentucky conforming and FHA loan limits by county County FHFA limit FHA limit Adair $766,550 $498,257 Allen $766,550 $498,257 Anderso...Joel Lobb, Mortgage Broker FHA, VA, KHC, USDAhttp://www.blogger.com/profile/14742291613632757087noreply@blogger.comtag:blogger.com,1999:blog-8753248047723090550.post-56995531114982845962023-12-05T09:57:00.000-08:002023-12-05T09:57:46.060-08:00Louisville Kentucky Mortgage Lender for FHA, VA, KHC, USDA and Rural Housing Kentucky Mortgages: What is the minimum Credit Score Needed to Buy a H...<a href="https://www.mylouisvillekentuckymortgage.com/2013/08/minimum-credit-score-needed-to-buy-house.html?spref=bl">Louisville Kentucky Mortgage Lender for FHA, VA, KHC, USDA and Rural Housing Kentucky Mortgages: What is the minimum Credit Score Needed to Buy a H...</a>: Credit Score Needed to Buy a House and get a Kentucky Mortgage? 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