USDA LOAN LENDER IN KENTUCKY

KENTUCKY USDA MORTGAGE LOAN INFORMATION 


 

PROGRAM FEATURES FOR USDA LOANS

 

620+ MIN FICO- REFERS AND GUS ACCEPTS!

  • 620+ - YES WE DO REFERS!(29/41 MAX RATIOS)U/W DIRECTLY TO RD MANUAL GUIDES
  • 620+ GUS ACCEPTS - NO OVERLAYS - follow GUS findings
  • 101% LTV of appraised value
  • Ratios to 32/44 w/ 620+ and GUS approval w/ comp. factors for debt waiver
  • 35% Annual Fee, 1% Guarantee Fee
  • We Accept Transfer Appraisals - No Problem on all loans
  • File sent to RD within 24 Hours of UW clear!
  • File sent to docs within 24 Hours of Receipt of the RD commitment
  • Up to 6% seller concessions allowed
  • 620+ - GUS Accept - must have 2 trades for 12 months(open/closed) - or manual downgrade

GUS REFERS

  • 620- scores OK!
  • 29/41 max ratios
  • VOR or 12 months cancelled rents checks required
  • Tradelines or alt tradelines required
  • Medical collections & charge off accounts ignored - consumer collections follow HUD $2000 guidelines (Call us for details!)
  • Minimal lates allowed in past 12 months




USDA LOAN LENDER IN Kentucky






Location: 10602 Timberwood Cir #3, Louisville, KY 40223, USA

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