$0 Down Local KY Home Loans - KY First Time Buyer 620 score Free Credit Report FHA VA USDA, KHC Down payment assistance Fannie Mae HARP Refi

KHC's Minimum Credit Score Requirements Lowered

KHC's Minimum Credit Score Requirements Lowered

 Effective today, KHC is lowering the minimum credit score requirement on government loans from 640 to 620, and from 680 to 660 on conventional loans.

KHC Program Guide
Secondary Market Programs
August 21, 2018
Reduced Conventional Interest Rates in Underserved Markets
Effective with new reservations as of today, August 21, 2018, properties located in one
of the counties considered Middle Appalachia or Lower Mississippi Delta, will have a
reduced interest rate by .25%-.375%. The interest rate can be found on KHC’s website,
www.kyhousing.org, on the interest rate page. This program is a first-come, first-serve,
limited to 100 families and must be reserved by December 31, 2018. When reserving
this program in KHC’s Loan Reservation System, be sure to select 2MK DTS Preferred
or 2MK DTS Preferred Risk. Applicant’s income is limited to 100% AMI. See income
chart and map on pages 15-16.
Affordable Dap Increasing from $4,500 to $6,000
Effective with new reservations as of today, August 21, 2018, the Affordable DAP will
increase to $6,000. The term of 10 years and 1% interest rate will remain the same.
FHA Manual Underwriting
Effective immediately, KHC will allow manual underwriting on FHA loans.
• Loan receiving a “Refer” finding; and
• Loan receiving an “Approve/Accept” finding but which have been downgraded to
a “Refer” by the Underwriter; and
• Loan receiving an “Approve/Accept” is downgraded to a “Refer” loan must be a
manual underwrite.
• Minimum credit score of 620.
• A VOR is require if rent is paid to a management company or 12 months
cancelled checks if paid to an individual.
• A LOE from borrower is required if borrower is living rent free.
KHC follows HUD guidelines with the exception of the minimum 620 credit score and
VOR or LOE regarding not paying rent. Refer to the KHC/FHA Manual Underwriting
Matrix on KHC’s Lender Resources page, in the First Mortgage Program Information
tab

text or call my phone: (502) 905-3708
email me at kentuckyloan@gmail.com

FHA $100 Down HUD Homes in Louisville, KY

List of FHA $100 Down HUD Homes in Louisville, KY Search Results for HUD Homes in KY 1 | 2 | 3 | 42 listings found List Gallery Save Search Email Search View Map Export to Display: Property Case Address Price Status Bed Bath Listing Period Bid Open Date Details 201-271516 345 Concord Dr White Plains, KY, 42464 Hopkins County $15,300 3 1.00 Extended 10/11/2018 View Street Map it Email Info 201-278709 793 Highway 16 Glencoe, KY, 41046 Gallatin County $27,000 3 2.00 Extended 10/11/2018 View Street Map it Email Info 201-325182 4719 Fairway Pointe Ct Louisville, KY, 40241 Jefferson County $197,000 2 2.00 Exclusive 10/11/2018 View Street Map it Email Info 201-348170 820 Mars Dr Verona, KY, 41092 Gallatin County $54,000 3 2.00 Extended 10/11/2018 View Street Map it Email Info 201-353808 537 Beecher St Louisville, KY, 40215 Jefferson County $42,000 2 1.00 Exclusive 10/15/2018 View Street Map it Email Info 201-362370 194 Batton Loop Morehead, KY, 40351 Rowan County $66,000 3 2.00 Exclusive 10/16/2018 View Street Map it Email Info 201-363027 329 Womack Rd Grayson, KY, 41143 Carter County $69,000 3 1.00 Extended 10/11/2018 View Street Map it Email Info 201-368065 199 Lake Trail Land Russell Springs, KY, 42642 Russell County $43,000 3 2.00 Extended 10/11/2018 View Street Map it Email Info 201-371407 5906 Hudgins Hwy Summersville, KY, 42782 Green County $103,500 5 2.00 Extended 10/11/2018 View Street Map it Email Info 201-372013 10057 Elizabethtown Rd Big Clifty, KY, 42712 Grayson County $40,000 3 2.00 Extended 10/11/2018 View Street Map it Email Info 201-378847 3204 Rogers St Covington, KY, 41015 Kenton County $74,700 3 2.00 Extended 10/11/2018 View Street Map it Email Info 201-391357 38 Lovelaceville Rd Lovelaceville, KY, 42060 Ballard County $22,400 2 1.00 Extended 10/11/2018 View Street Map it Email Info 201-392821 1099 Sea Ridge Rd Lawrenceburg, KY, 40342 Anderson County $34,000 3 2.00 Lottery 10/17/2018 View Street Map it Email Info 201-393499 620 Main Street Uniontown, KY, 42461 Union County $29,000 3 1.00 Extended 10/11/2018 View Street Map it Email Info 201-396079 504 Murray St Madisonville, KY, 42431 Hopkins County $32,000 3 2.00 Extended 10/11/2018 View Street Map it Email Info 201-401444 151 Eastside Park Dr Butler, KY, 41006 Pendleton County $56,000 3 2.00 Extended 10/11/2018 View Street Map it Email Info 201-402838 8610 Oglesby Court Fairdale, KY, 40118 Jefferson County $73,000 3 1.00 Extended 10/11/2018 View Street Map it Email Info 201-417838 147 Main Street Newport, KY, 41071 Campbell County $49,500 1 1.00 Extended 10/11/2018 View Street Map it Email Info 201-427873 229 Rosedale Ct Covington, KY, 41015 Kenton County $47,700 2 1.00 Extended 10/11/2018 View Street Map it Email Info 201-432146 1068 Emery Dr Ft Wright, KY, 41011 Kenton County $64,800 2 1.10 Extended 10/11/2018 View Street Map it Email Info Search Results for HUD Homes in KY 1 | 2 | 3 | 42 listings found List Gallery Save Search Email Search View Map Export to Display: Property Case Address Price Status Bed Bath Listing Period Bid Open Date Details 201-601254 1044 Scenic Dr Radcliff, KY, 40160 Hardin County $132,300 3 2.00 Extended 10/11/2018 View Street Map it Email Info 202-017977 140 Daniels St Covington, KY, 41015 Kenton County $36,000 1 1.00 Lottery 10/16/2018 View Street Map it Email Info 1 | 2 | 3 | Search Results for HUD Homes in KY 1 | 2 | 3 | 42 listings found List Gallery Save Search Email Search View Map Export to Display: Property Case Address Price Status Bed Bath Listing Period Bid Open Date Details 201-440932 3006 Bob White Ct Louisville, KY, 40216 Jefferson County $73,000 3 1.10 Lottery 10/17/2018 View Street Map it Email Info 201-445853 902 Deer Haven Dr Owensboro, KY, 42301 Daviess County $70,000 3 2.00 Extended 10/11/2018 View Street Map it Email Info 201-459307 145 Daniels St Covington, KY, 41015 Kenton County $45,000 1 1.00 Extended 10/11/2018 View Street Map it Email Info 201-462575 1203 Morrison Rd Big Clifty, KY, 42712 Grayson County $46,000 3 2.00 Exclusive 10/11/2018 View Street Map it Email Info 201-472831 252 Boone Ave Winchester, KY, 40391 Clark County $247,500 4 3.00 Extended 10/11/2018 View Street Map it Email Info 201-481525 216 10th St Carrollton, KY, 41008 Carroll County $117,000 4 2.00 Exclusive 10/22/2018 View Street Map it Email Info 201-483667 290 Blue Run Rd Irvine, KY, 40336 Estill County $20,700 3 1.00 Extended 10/11/2018 View Street Map it Email Info 201-495837 3503 Carlisle Avenu Covington, KY, 41015 Kenton County $58,500 3 2.00 Extended 10/11/2018 View Street Map it Email Info 201-518840 1562 Ellison Pulaski Rd Eubank, KY, 42567 Lincoln County $62,000 3 2.00 Extended 10/11/2018 View Street Map it Email Info 201-535925 428w Walnut St Richmond, KY, 40475 Madison County $30,000 2 1.00 Extended 10/11/2018 View Street Map it Email Info 201-536556 1504 Robinson St Grayson, KY, 41143 Carter County $52,200 3 1.00 Extended 10/11/2018 View Street Map it Email Info 201-545566 115 N 2nd St Irvington, KY, 40146 Breckinridge County $50,000 3 2.00 Exclusive 10/15/2018 View Street Map it Email Info 201-549831 1402 Hillcrest St Fulton, KY, 42041 Fulton County $70,000 3 2.10 Extended 10/11/2018 View Street Map it Email Info 201-551193 654 Paul Shewmaker Rd Campbellsville, KY, 42718 Marion County $48,000 3 1.10 Lottery 10/11/2018 View Street Map it Email Info 201-557096 237 Wright St Frankfort, KY, 40601 Franklin County $50,000 3 1.00 Extended 10/11/2018 View Street Map it Email Info 201-559078 4040 Yates Dr Owensboro, KY, 42301 Daviess County $108,000 3 1.00 Extended 10/11/2018 View Street Map it Email Info 201-560972 5457 Ky Route 680 Grethel, KY, 41631 Floyd County $85,500 4 2.10 Extended 10/11/2018 View Street Map it Email Info 201-563201 632 Chadley Ave Lebanon, KY, 40033 Marion County $80,000 3 1.00 Exclusive 10/12/2018 View Street Map it Email Info 201-564028 414 Noel Ave Frankfort, KY, 40601 Franklin County $68,000 5 2.10 Extended 10/11/2018 View Street Map it Email Info 201-583071 104 Jonathan Ct Somerset, KY, 42503 Pulaski County $121,000 4 2.00 Exclusive 10/15/2018 View Street Map it Email Info 1 | 2 | 3 | 7 listings found List Gallery Save Search Email Search View Map Export to Display: Property Case Address Price Status Bed Bath Listing Period Bid Open Date Details 201-387681 3715 Stratton Ave Louisville, KY, 40211 Jefferson County $75,000 3 2.00 Extended 08/16/2016 View Street Map it Email Info 201-397913 4503 Gaudet Road Louisville, KY, 40299 Jefferson County $130,000 3 1.00 Extended 08/16/2016 View Street Map it Email Info 201-404698 206 Harpers Ferry Rd Louisville, KY, 40214 Jefferson County $85,000 3 1.10 Extended 08/16/2016 View Street Map it Email Info 201-429062 2404 Taylorsville R Louisville, KY, 40205 Jefferson County $215,000 3 1.00 Exclusive 08/23/2016 View Street Map it Email Info 201-439194 1605 Mae Street Kidd Ave Louisville, KY, 40211 Jefferson County $75,000 3 1.00 Extended 08/16/2016 View Street Map it Email Info 201-443751 426 W Southside Ct Louisville, KY, 40214 Jefferson County $75,000 4 2.00 Exclusive 08/16/2016 View Street Map it Email Info 201-457354 7909 Edsel Lane Louisville, KY, 40291 Jefferson County $114,000 3 1.00 Extended 08/16/2016 View Street Map it Email Info Joel Lobb Senior Loan Officer Call or text my phone: (502) 905-3708 kentuckyloan@gmail.com http://www.mylouisvillekentuckymortgage.com/ he 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). I lend in the following state: Only Kentucky!