tag:blogger.com,1999:blog-61724168897856862272024-03-18T03:08:42.686-07:00Kentucky USDA Rural Housing Mortgage LenderI specialize in Kentucky USDA Rural Housing mortgage loans in KY. Apply for free today for a Rural Housing loan Pre-Approval Letter. Same day approvals. I offer the USDA Rural Development Guaranteed Housing Loans for all counties in Kentucky that are eligible. Put my expert advice to use. Call or text 502-905-3708 or email kentuckyloan@gmail.com
This website is not affiliated with USDA or any other government agency. NMLS# 57916 Equal Housing LenderJoel Lobb, Mortgage Broker FHA, VA, KHC, USDAhttp://www.blogger.com/profile/14742291613632757087noreply@blogger.comBlogger543125tag:blogger.com,1999:blog-6172416889785686227.post-25290318877300216072024-03-18T03:07:00.000-07:002024-03-18T03:07:46.934-07:00How 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-6172416889785686227.post-52916861007372181752024-03-17T08:03:00.000-07:002024-03-17T08:03:13.890-07:00Buying a Kentucky home with a Rural Housing Development USDA loan?<p><br /></p><br style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif;" /><span style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif;">Here's what you need to understand about the inspection process to ensure your journey to homeownership is as smooth as possible:</span><div><br style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif;" /><img alt="🔹" aria-label="🔹" class="an1" data-emoji="🔹" draggable="false" loading="lazy" src="https://fonts.gstatic.com/s/e/notoemoji/15.0/1f539/72.png" style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif; height: 1.2em; vertical-align: middle; width: 1.2em;" /><span style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif;"> <a href="https://kentuckyusdaloan.com/2023/12/03/kentucky-usda-rural-housing-appraisal-requirements/">Inspections for Kentucky USDA Loans</a> aren't required, but highly recommended! While</span><span class="gmail_default" style="background-color: white; color: #222222; font-family: verdana, sans-serif;"> Kentucky</span><span style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif;"> USDA loans don't mandate home inspections for approval, getting one is in your best interest for a thorough understanding of your future home's condition.</span></div><div><br style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif;" /><img alt="🔹" aria-label="🔹" class="an1" data-emoji="🔹" draggable="false" loading="lazy" src="https://fonts.gstatic.com/s/e/notoemoji/15.0/1f539/72.png" style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif; height: 1.2em; vertical-align: middle; width: 1.2em;" /><span style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif;"> An appraisal is essential for loan processing, assessing the property's value and ensuring it meets </span><span class="gmail_default" style="background-color: white; color: #222222; font-family: verdana, sans-serif;"><a href="https://kentuckyruralhousingusdaloan.blogspot.com/2018/02/kentucky-usda-mortgage-loan-requirements.html">Kentucky </a></span><span style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif;"><a href="https://kentuckyruralhousingusdaloan.blogspot.com/2018/02/kentucky-usda-mortgage-loan-requirements.html">USDA standards</a>. However, it's not a substitute for a detailed home inspection, which can uncover hidden issues.</span></div><div><br style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif;" /><img alt="🔹" aria-label="🔹" class="an1" data-emoji="🔹" draggable="false" loading="lazy" src="https://fonts.gstatic.com/s/e/notoemoji/15.0/1f539/72.png" style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif; height: 1.2em; vertical-align: middle; width: 1.2em;" /> <span style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif;">Water quality tests are a must for private wells. Ensuring your future home has safe drinking water is crucial. A water quality test is required for homes with private wells, adhering to state or EPA guidelines.</span></div><div><br style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif;" /><img alt="🔹" aria-label="🔹" class="an1" data-emoji="🔹" draggable="false" loading="lazy" src="https://fonts.gstatic.com/s/e/notoemoji/15.0/1f539/72.png" style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif; height: 1.2em; vertical-align: middle; width: 1.2em;" /><span style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif;"> With<a href="800 Greensburg Road Hodgenville, KY 42748 View Map $495,000 Beds 3 Baths 2 Sq.Ft. 2,987 Year 1951 Save Share Social 800 Greensburg Road Hodgenville, KY 42748 | MLS HK24000944 Photo 1 800 Greensburg Road Hodgenville, KY 42748 | MLS HK24000944 Photo 2 800 Greensburg Road Hodgenville, KY 42748 | MLS HK24000944 Photo 3 800 Greensburg Road Hodgenville, KY 42748 | MLS HK24000944 Photo 4 800 Greensburg Road Hodgenville, KY 42748 | MLS HK24000944 Photo 5 800 Greensburg Road Hodgenville, KY 42748 | MLS HK24000944 Photo 6 800 Greensburg Road Hodgenville, KY 42748 | MLS HK24000944 Photo 7 800 Greensburg Road Hodgenville, KY 42748 | MLS HK24000944 Photo 8 800 Greensburg Road Hodgenville, KY 42748 | MLS HK24000944 Photo 9 800 Greensburg Road Hodgenville, KY 42748 | MLS HK24000944 Photo 10 800 Greensburg Road Hodgenville, KY 42748 | MLS HK24000944 Photo 11 800 Greensburg Road Hodgenville, KY 42748 | MLS HK24000944 Photo 12 800 Greensburg Road Hodgenville, KY 42748 | MLS HK24000944 Photo 13 800 Greensburg Road Hodgenville, KY 42748 | MLS HK24000944 Photo 14 800 Greensburg Road Hodgenville, KY 42748 | MLS HK24000944 Photo 15 800 Greensburg Road Hodgenville, KY 42748 | MLS HK24000944 Photo 16 800 Greensburg Road Hodgenville, KY 42748 | MLS HK24000944 Photo 17 800 Greensburg Road Hodgenville, KY 42748 | MLS HK24000944 Photo 18 800 Greensburg Road Hodgenville, KY 42748 | MLS HK24000944 Photo 19 800 Greensburg Road Hodgenville, KY 42748 | MLS HK24000944 Photo 20 800 Greensburg Road Hodgenville, KY 42748 | MLS HK24000944 Photo 21 800 Greensburg Road Hodgenville, KY 42748 | MLS HK24000944 Photo 22 800 Greensburg Road Hodgenville, KY 42748 | MLS HK24000944 Photo 23 800 Greensburg Road Hodgenville, KY 42748 | MLS HK24000944 Photo 24 800 Greensburg Road Hodgenville, KY 42748 | MLS HK24000944 Photo 25 800 Greensburg Road Hodgenville, KY 42748 | MLS HK24000944 Photo 26 800 Greensburg Road Hodgenville, KY 42748 | MLS HK24000944 Photo 27 800 Greensburg Road Hodgenville, KY 42748 | MLS HK24000944 Photo 28 800 Greensburg Road Hodgenville, KY 42748 | MLS HK24000944 Photo 29 800 Greensburg Road Hodgenville, KY 42748 | MLS HK24000944 Photo 30 800 Greensburg Road Hodgenville, KY 42748 | MLS HK24000944 Photo 31 800 Greensburg Road Hodgenville, KY 42748 | MLS HK24000944 Photo 32 800 Greensburg Road Hodgenville, KY 42748 | MLS HK24000944 Photo 33 800 Greensburg Road Hodgenville, KY 42748 | MLS HK24000944 Photo 34 800 Greensburg Road Hodgenville, KY 42748 | MLS HK24000944 Photo 35 800 Greensburg Road Hodgenville, KY 42748 | MLS HK24000944 Photo 36 800 Greensburg Road Hodgenville, KY 42748 | MLS HK24000944 Photo 37 800 Greensburg Road Hodgenville, KY 42748 | MLS HK24000944 Photo 38 800 Greensburg Road Hodgenville, KY 42748 | MLS HK24000944 Photo 39 800 Greensburg Road Hodgenville, KY 42748 | MLS HK24000944 Photo 40 800 Greensburg Road Hodgenville, KY 42748 | MLS HK24000944 Photo 41 800 Greensburg Road Hodgenville, KY 42748 | MLS HK24000944 Photo 42 800 Greensburg Road Hodgenville, KY 42748 | MLS HK24000944 Photo 43 800 Greensburg Road Hodgenville, KY 42748 | MLS HK24000944 Photo 44 800 Greensburg Road Hodgenville, KY 42748 | MLS HK24000944 Photo 45 800 Greensburg Road Hodgenville, KY 42748 | MLS HK24000944 Photo 46 800 Greensburg Road Hodgenville, KY 42748 | MLS HK24000944 Photo 47 800 Greensburg Road Hodgenville, KY 42748 | MLS HK24000944 Photo 48 800 Greensburg Road Hodgenville, KY 42748 | MLS HK24000944 Photo 49 800 Greensburg Road Hodgenville, KY 42748 | MLS HK24000944 Photo 50 800 Greensburg Road Hodgenville, KY 42748 | MLS HK24000944 Photo 51 800 Greensburg Road Hodgenville, KY 42748 | MLS HK24000944 Photo 52 800 Greensburg Road Hodgenville, KY 42748 | MLS HK24000944 Photo 53 800 Greensburg Road Hodgenville, KY 42748 | MLS HK24000944 Photo 54 800 Greensburg Road Hodgenville, KY 42748 | MLS HK24000944 Photo 55 800 Greensburg Road Hodgenville, KY 42748 | MLS HK24000944 Photo 56 800 Greensburg Road Hodgenville, KY 42748 | MLS HK24000944 Photo 57 800 Greensburg Road Hodgenville, KY 42748 | MLS HK24000944 Photo 58 800 Greensburg Road Hodgenville, KY 42748 | MLS HK24000944 Photo 59 800 Greensburg Road Hodgenville, KY 42748 | MLS HK24000944 Photo 60 800 Greensburg Road Hodgenville, KY 42748 | MLS HK24000944 Photo 61 800 Greensburg Road Hodgenville, KY 42748 | MLS HK24000944 Photo 62 800 Greensburg Road Hodgenville, KY 42748 | MLS HK24000944 Photo 63 800 Greensburg Road Hodgenville, KY 42748 | MLS HK24000944 Photo 64 800 Greensburg Road Hodgenville, KY 42748 | MLS HK24000944 Photo 65 800 Greensburg Road Hodgenville, KY 42748 | MLS HK24000944 Photo 66 800 Greensburg Road Hodgenville, KY 42748 | MLS HK24000944 Photo 67 800 Greensburg Road Hodgenville, KY 42748 | MLS HK24000944 Photo 68 800 Greensburg Road Hodgenville, KY 42748 | MLS HK24000944 Photo 69 800 Greensburg Road Hodgenville, KY 42748 | MLS HK24000944 Photo 70 Next Photo Schedule a Tour Amy Roten Amy Roten (270) 528-1386 LICENSE: 257812 In-Person Tour Video Chat Tour Choose Your Date -- It's Free, Cancel Anytime Get pre-qualified or ask a question about financing Status: Active Property Type: Single Family MLS #: HK24000944 Sq. Feet: 2,987 On Site: 3 Days Lot Size: 12.18 Acres County: LaRue Beautiful Home + 12 acres. The search is over! Your forever home awaits you today! This charming 3 bed, 2 bath home with basement features a little bit of everything. The home has an eat-in kitchen, dining room, living area with fireplace, den or secondary living area. You will feel like royalty in the primary bedroom suite. It features a large bathroom with a walk-in closet and the homes second fireplace. Out back you will find your own private getaway. The fenced in backyard host an in-ground pool, gazebo, fish pond and pool shed with a half bath. Did I me More."> </a></span><span class="gmail_default" style="background-color: white; color: #222222; font-family: verdana, sans-serif;"><a href="800 Greensburg Road Hodgenville, KY 42748 View Map $495,000 Beds 3 Baths 2 Sq.Ft. 2,987 Year 1951 Save Share Social 800 Greensburg Road Hodgenville, KY 42748 | MLS HK24000944 Photo 1 800 Greensburg Road Hodgenville, KY 42748 | MLS HK24000944 Photo 2 800 Greensburg Road Hodgenville, KY 42748 | MLS HK24000944 Photo 3 800 Greensburg Road Hodgenville, KY 42748 | MLS HK24000944 Photo 4 800 Greensburg Road Hodgenville, KY 42748 | MLS HK24000944 Photo 5 800 Greensburg Road Hodgenville, KY 42748 | MLS HK24000944 Photo 6 800 Greensburg Road Hodgenville, KY 42748 | MLS HK24000944 Photo 7 800 Greensburg Road Hodgenville, KY 42748 | MLS HK24000944 Photo 8 800 Greensburg Road Hodgenville, KY 42748 | MLS HK24000944 Photo 9 800 Greensburg Road Hodgenville, KY 42748 | MLS HK24000944 Photo 10 800 Greensburg Road Hodgenville, KY 42748 | MLS HK24000944 Photo 11 800 Greensburg Road Hodgenville, KY 42748 | MLS HK24000944 Photo 12 800 Greensburg Road Hodgenville, KY 42748 | MLS HK24000944 Photo 13 800 Greensburg Road Hodgenville, KY 42748 | MLS HK24000944 Photo 14 800 Greensburg Road Hodgenville, KY 42748 | MLS HK24000944 Photo 15 800 Greensburg Road Hodgenville, KY 42748 | MLS HK24000944 Photo 16 800 Greensburg Road Hodgenville, KY 42748 | MLS HK24000944 Photo 17 800 Greensburg Road Hodgenville, KY 42748 | MLS HK24000944 Photo 18 800 Greensburg Road Hodgenville, KY 42748 | MLS HK24000944 Photo 19 800 Greensburg Road Hodgenville, KY 42748 | MLS HK24000944 Photo 20 800 Greensburg Road Hodgenville, KY 42748 | MLS HK24000944 Photo 21 800 Greensburg Road Hodgenville, KY 42748 | MLS HK24000944 Photo 22 800 Greensburg Road Hodgenville, KY 42748 | MLS HK24000944 Photo 23 800 Greensburg Road Hodgenville, KY 42748 | MLS HK24000944 Photo 24 800 Greensburg Road Hodgenville, KY 42748 | MLS HK24000944 Photo 25 800 Greensburg Road Hodgenville, KY 42748 | MLS HK24000944 Photo 26 800 Greensburg Road Hodgenville, KY 42748 | MLS HK24000944 Photo 27 800 Greensburg Road Hodgenville, KY 42748 | MLS HK24000944 Photo 28 800 Greensburg Road Hodgenville, KY 42748 | MLS HK24000944 Photo 29 800 Greensburg Road Hodgenville, KY 42748 | MLS HK24000944 Photo 30 800 Greensburg Road Hodgenville, KY 42748 | MLS HK24000944 Photo 31 800 Greensburg Road Hodgenville, KY 42748 | MLS HK24000944 Photo 32 800 Greensburg Road Hodgenville, KY 42748 | MLS HK24000944 Photo 33 800 Greensburg Road Hodgenville, KY 42748 | MLS HK24000944 Photo 34 800 Greensburg Road Hodgenville, KY 42748 | MLS HK24000944 Photo 35 800 Greensburg Road Hodgenville, KY 42748 | MLS HK24000944 Photo 36 800 Greensburg Road Hodgenville, KY 42748 | MLS HK24000944 Photo 37 800 Greensburg Road Hodgenville, KY 42748 | MLS HK24000944 Photo 38 800 Greensburg Road Hodgenville, KY 42748 | MLS HK24000944 Photo 39 800 Greensburg Road Hodgenville, KY 42748 | MLS HK24000944 Photo 40 800 Greensburg Road Hodgenville, KY 42748 | MLS HK24000944 Photo 41 800 Greensburg Road Hodgenville, KY 42748 | MLS HK24000944 Photo 42 800 Greensburg Road Hodgenville, KY 42748 | MLS HK24000944 Photo 43 800 Greensburg Road Hodgenville, KY 42748 | MLS HK24000944 Photo 44 800 Greensburg Road Hodgenville, KY 42748 | MLS HK24000944 Photo 45 800 Greensburg Road Hodgenville, KY 42748 | MLS HK24000944 Photo 46 800 Greensburg Road Hodgenville, KY 42748 | MLS HK24000944 Photo 47 800 Greensburg Road Hodgenville, KY 42748 | MLS HK24000944 Photo 48 800 Greensburg Road Hodgenville, KY 42748 | MLS HK24000944 Photo 49 800 Greensburg Road Hodgenville, KY 42748 | MLS HK24000944 Photo 50 800 Greensburg Road Hodgenville, KY 42748 | MLS HK24000944 Photo 51 800 Greensburg Road Hodgenville, KY 42748 | MLS HK24000944 Photo 52 800 Greensburg Road Hodgenville, KY 42748 | MLS HK24000944 Photo 53 800 Greensburg Road Hodgenville, KY 42748 | MLS HK24000944 Photo 54 800 Greensburg Road Hodgenville, KY 42748 | MLS HK24000944 Photo 55 800 Greensburg Road Hodgenville, KY 42748 | MLS HK24000944 Photo 56 800 Greensburg Road Hodgenville, KY 42748 | MLS HK24000944 Photo 57 800 Greensburg Road Hodgenville, KY 42748 | MLS HK24000944 Photo 58 800 Greensburg Road Hodgenville, KY 42748 | MLS HK24000944 Photo 59 800 Greensburg Road Hodgenville, KY 42748 | MLS HK24000944 Photo 60 800 Greensburg Road Hodgenville, KY 42748 | MLS HK24000944 Photo 61 800 Greensburg Road Hodgenville, KY 42748 | MLS HK24000944 Photo 62 800 Greensburg Road Hodgenville, KY 42748 | MLS HK24000944 Photo 63 800 Greensburg Road Hodgenville, KY 42748 | MLS HK24000944 Photo 64 800 Greensburg Road Hodgenville, KY 42748 | MLS HK24000944 Photo 65 800 Greensburg Road Hodgenville, KY 42748 | MLS HK24000944 Photo 66 800 Greensburg Road Hodgenville, KY 42748 | MLS HK24000944 Photo 67 800 Greensburg Road Hodgenville, KY 42748 | MLS HK24000944 Photo 68 800 Greensburg Road Hodgenville, KY 42748 | MLS HK24000944 Photo 69 800 Greensburg Road Hodgenville, KY 42748 | MLS HK24000944 Photo 70 Next Photo Schedule a Tour Amy Roten Amy Roten (270) 528-1386 LICENSE: 257812 In-Person Tour Video Chat Tour Choose Your Date -- It's Free, Cancel Anytime Get pre-qualified or ask a question about financing Status: Active Property Type: Single Family MLS #: HK24000944 Sq. Feet: 2,987 On Site: 3 Days Lot Size: 12.18 Acres County: LaRue Beautiful Home + 12 acres. The search is over! Your forever home awaits you today! This charming 3 bed, 2 bath home with basement features a little bit of everything. The home has an eat-in kitchen, dining room, living area with fireplace, den or secondary living area. You will feel like royalty in the primary bedroom suite. It features a large bathroom with a walk-in closet and the homes second fireplace. Out back you will find your own private getaway. The fenced in backyard host an in-ground pool, gazebo, fish pond and pool shed with a half bath. Did I me More.">Kentucky </a></span><span style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif;"><a href="800 Greensburg Road Hodgenville, KY 42748 View Map $495,000 Beds 3 Baths 2 Sq.Ft. 2,987 Year 1951 Save Share Social 800 Greensburg Road Hodgenville, KY 42748 | MLS HK24000944 Photo 1 800 Greensburg Road Hodgenville, KY 42748 | MLS HK24000944 Photo 2 800 Greensburg Road Hodgenville, KY 42748 | MLS HK24000944 Photo 3 800 Greensburg Road Hodgenville, KY 42748 | MLS HK24000944 Photo 4 800 Greensburg Road Hodgenville, KY 42748 | MLS HK24000944 Photo 5 800 Greensburg Road Hodgenville, KY 42748 | MLS HK24000944 Photo 6 800 Greensburg Road Hodgenville, KY 42748 | MLS HK24000944 Photo 7 800 Greensburg Road Hodgenville, KY 42748 | MLS HK24000944 Photo 8 800 Greensburg Road Hodgenville, KY 42748 | MLS HK24000944 Photo 9 800 Greensburg Road Hodgenville, KY 42748 | MLS HK24000944 Photo 10 800 Greensburg Road Hodgenville, KY 42748 | MLS HK24000944 Photo 11 800 Greensburg Road Hodgenville, KY 42748 | MLS HK24000944 Photo 12 800 Greensburg Road Hodgenville, KY 42748 | MLS HK24000944 Photo 13 800 Greensburg Road Hodgenville, KY 42748 | MLS HK24000944 Photo 14 800 Greensburg Road Hodgenville, KY 42748 | MLS HK24000944 Photo 15 800 Greensburg Road Hodgenville, KY 42748 | MLS HK24000944 Photo 16 800 Greensburg Road Hodgenville, KY 42748 | MLS HK24000944 Photo 17 800 Greensburg Road Hodgenville, KY 42748 | MLS HK24000944 Photo 18 800 Greensburg Road Hodgenville, KY 42748 | MLS HK24000944 Photo 19 800 Greensburg Road Hodgenville, KY 42748 | MLS HK24000944 Photo 20 800 Greensburg Road Hodgenville, KY 42748 | MLS HK24000944 Photo 21 800 Greensburg Road Hodgenville, KY 42748 | MLS HK24000944 Photo 22 800 Greensburg Road Hodgenville, KY 42748 | MLS HK24000944 Photo 23 800 Greensburg Road Hodgenville, KY 42748 | MLS HK24000944 Photo 24 800 Greensburg Road Hodgenville, KY 42748 | MLS HK24000944 Photo 25 800 Greensburg Road Hodgenville, KY 42748 | MLS HK24000944 Photo 26 800 Greensburg Road Hodgenville, KY 42748 | MLS HK24000944 Photo 27 800 Greensburg Road Hodgenville, KY 42748 | MLS HK24000944 Photo 28 800 Greensburg Road Hodgenville, KY 42748 | MLS HK24000944 Photo 29 800 Greensburg Road Hodgenville, KY 42748 | MLS HK24000944 Photo 30 800 Greensburg Road Hodgenville, KY 42748 | MLS HK24000944 Photo 31 800 Greensburg Road Hodgenville, KY 42748 | MLS HK24000944 Photo 32 800 Greensburg Road Hodgenville, KY 42748 | MLS HK24000944 Photo 33 800 Greensburg Road Hodgenville, KY 42748 | MLS HK24000944 Photo 34 800 Greensburg Road Hodgenville, KY 42748 | MLS HK24000944 Photo 35 800 Greensburg Road Hodgenville, KY 42748 | MLS HK24000944 Photo 36 800 Greensburg Road Hodgenville, KY 42748 | MLS HK24000944 Photo 37 800 Greensburg Road Hodgenville, KY 42748 | MLS HK24000944 Photo 38 800 Greensburg Road Hodgenville, KY 42748 | MLS HK24000944 Photo 39 800 Greensburg Road Hodgenville, KY 42748 | MLS HK24000944 Photo 40 800 Greensburg Road Hodgenville, KY 42748 | MLS HK24000944 Photo 41 800 Greensburg Road Hodgenville, KY 42748 | MLS HK24000944 Photo 42 800 Greensburg Road Hodgenville, KY 42748 | MLS HK24000944 Photo 43 800 Greensburg Road Hodgenville, KY 42748 | MLS HK24000944 Photo 44 800 Greensburg Road Hodgenville, KY 42748 | MLS HK24000944 Photo 45 800 Greensburg Road Hodgenville, KY 42748 | MLS HK24000944 Photo 46 800 Greensburg Road Hodgenville, KY 42748 | MLS HK24000944 Photo 47 800 Greensburg Road Hodgenville, KY 42748 | MLS HK24000944 Photo 48 800 Greensburg Road Hodgenville, KY 42748 | MLS HK24000944 Photo 49 800 Greensburg Road Hodgenville, KY 42748 | MLS HK24000944 Photo 50 800 Greensburg Road Hodgenville, KY 42748 | MLS HK24000944 Photo 51 800 Greensburg Road Hodgenville, KY 42748 | MLS HK24000944 Photo 52 800 Greensburg Road Hodgenville, KY 42748 | MLS HK24000944 Photo 53 800 Greensburg Road Hodgenville, KY 42748 | MLS HK24000944 Photo 54 800 Greensburg Road Hodgenville, KY 42748 | MLS HK24000944 Photo 55 800 Greensburg Road Hodgenville, KY 42748 | MLS HK24000944 Photo 56 800 Greensburg Road Hodgenville, KY 42748 | MLS HK24000944 Photo 57 800 Greensburg Road Hodgenville, KY 42748 | MLS HK24000944 Photo 58 800 Greensburg Road Hodgenville, KY 42748 | MLS HK24000944 Photo 59 800 Greensburg Road Hodgenville, KY 42748 | MLS HK24000944 Photo 60 800 Greensburg Road Hodgenville, KY 42748 | MLS HK24000944 Photo 61 800 Greensburg Road Hodgenville, KY 42748 | MLS HK24000944 Photo 62 800 Greensburg Road Hodgenville, KY 42748 | MLS HK24000944 Photo 63 800 Greensburg Road Hodgenville, KY 42748 | MLS HK24000944 Photo 64 800 Greensburg Road Hodgenville, KY 42748 | MLS HK24000944 Photo 65 800 Greensburg Road Hodgenville, KY 42748 | MLS HK24000944 Photo 66 800 Greensburg Road Hodgenville, KY 42748 | MLS HK24000944 Photo 67 800 Greensburg Road Hodgenville, KY 42748 | MLS HK24000944 Photo 68 800 Greensburg Road Hodgenville, KY 42748 | MLS HK24000944 Photo 69 800 Greensburg Road Hodgenville, KY 42748 | MLS HK24000944 Photo 70 Next Photo Schedule a Tour Amy Roten Amy Roten (270) 528-1386 LICENSE: 257812 In-Person Tour Video Chat Tour Choose Your Date -- It's Free, Cancel Anytime Get pre-qualified or ask a question about financing Status: Active Property Type: Single Family MLS #: HK24000944 Sq. Feet: 2,987 On Site: 3 Days Lot Size: 12.18 Acres County: LaRue Beautiful Home + 12 acres. The search is over! Your forever home awaits you today! This charming 3 bed, 2 bath home with basement features a little bit of everything. The home has an eat-in kitchen, dining room, living area with fireplace, den or secondary living area. You will feel like royalty in the primary bedroom suite. It features a large bathroom with a walk-in closet and the homes second fireplace. Out back you will find your own private getaway. The fenced in backyard host an in-ground pool, gazebo, fish pond and pool shed with a half bath. Did I me More.">USDA loans</a>, navigating through the various requirements can be complex. It's essential to work with lenders experienced in USDA loans to guide you through the process.</span></div><div><br /></div><div><br style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif;" /><br style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif;" /><span style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif;">Whether you're a</span><span class="gmail_default" style="background-color: white; color: #222222; font-family: verdana, sans-serif;"> <a href="https://kentuckyusdaloan.com/2023/12/03/kentucky-usda-rural-housing-appraisal-requirements/">Kentucky</a></span><span style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif;"><a href="https://kentuckyusdaloan.com/2023/12/03/kentucky-usda-rural-housing-appraisal-requirements/"> first-time homebuyer</a> or a seasoned </span><span class="gmail_default" style="background-color: white; color: #222222; font-family: verdana, sans-serif;">Kentucky </span><span style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif;">Realtor, understanding these key points can help prepare you for what lies ahead in the USDA loan process. Remember, being informed is your first step towards a successful home purchase!</span></div><div><span style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif;"><br /></span></div><div><p style="background-color: white; box-sizing: inherit; color: #1a1a1a; font-family: Merriweather, Georgia, serif; margin: 0px 0px 1.75em;">As with all loan programs, the USDA Loan requires that an independent appraiser inspect the subject property in order to determine the property value. Specific to a USDA Loan, the appraisal report will be conducted by an FHA approved appraiser. The appraisal report must include verbiage or similar verbiage:</p><blockquote class="wp-block-quote is-layout-flow wp-block-quote-is-layout-flow" style="background-color: white; border-bottom-color: rgb(26, 26, 26); border-image: initial; border-left-color: initial; border-right-color: rgb(26, 26, 26); border-style: solid; border-top-color: rgb(26, 26, 26); border-width: 0px 0px 0px 0.25em; box-sizing: border-box; color: #686868; font-family: Merriweather, Georgia, serif; font-style: italic; line-height: 1.47368; margin: 0px 0px 1.75em -1.47368em; overflow-wrap: break-word; overflow: hidden; padding: 0px 0px 0px 1em; quotes: none;"><p style="box-sizing: inherit; margin: 0px;">“The subject meets minimum standards as set under guidelines established by the U.S. Department of Housing and Urban Development and indicated in Handbooks 4000.1”</p></blockquote><p style="background-color: white; box-sizing: inherit; color: #1a1a1a; font-family: Merriweather, Georgia, serif; margin: 0px 0px 1.75em;">No different from a FHA or VA appraisal inspection, the appraiser is required to document all property deficiencies that preclude the appraiser from signing off on their report. A property deficiency is any defect to the house that the appraiser deems necessary to have repaired to ensure compliance to the loan program guidelines. Typical examples of property deficiencies include:</p><ul style="background-color: white; box-sizing: border-box; color: #1a1a1a; font-family: Merriweather, Georgia, serif; list-style-image: initial; list-style-position: initial; margin: 0px 0px 1.75em; padding: 0px;"><li style="box-sizing: inherit;">Chipped and peeling paint</li><li style="box-sizing: inherit;">Missing handrails on stairs and railing on decks</li><li style="box-sizing: inherit;">Lights not working properly and wires hanging out of the electrical box</li><li style="box-sizing: inherit;">Non-working heating and cooling systems and plumbing</li><li style="box-sizing: inherit;">Houses that do not have utilities turned on</li></ul><p style="background-color: white; box-sizing: inherit; color: #1a1a1a; font-family: Merriweather, Georgia, serif; margin: 0px 0px 1.75em;">If a property has deficiencies, the appraiser will determine the value of the property, but state that their report is subject to the property defects listed being corrected. After the property defects are repaired, the appraiser will re-inspect the property, and signoff if the required repairs have been completed.</p><p style="background-color: white; box-sizing: inherit; color: #1a1a1a; font-family: Merriweather, Georgia, serif; margin: 0px 0px 1.75em;">Bottom line, the USDA Loan program is designed to finance homes that are in move-in condition, not fixer-uppers. However, on a subsequent email I will review an option to establish a repair escrow account to address certain property deficiencies. The repair escrow account is only available through one of my many USDA lenders, so it is imperative to inform me when making an offer a house if this option will be required.</p><h3 class="wp-block-heading" style="background-color: white; box-sizing: inherit; clear: both; color: #1a1a1a; font-family: Merriweather, Georgia, serif; line-height: 1.21739; margin: 2.43478em 0px 1.21739em; text-rendering: optimizelegibility;"><span style="font-size: small;">Kentucky USDA appraisals</span></h3><p style="background-color: white; box-sizing: inherit; color: #1a1a1a; font-family: Merriweather, Georgia, serif; margin: 0px 0px 1.75em;"><a href="https://kentuckyusdaloan.com/2023/12/03/kentucky-usda-rural-housing-appraisal-requirements/">Kentucky USDA appraisals </a>can take home buyers by surprise. That’s why we’ve put together some good-to-know info about the process. Feel free to use this to help educate your clients. </p><p style="background-color: white; box-sizing: inherit; color: #1a1a1a; font-family: Merriweather, Georgia, serif; margin: 0px 0px 1.75em;">The property must pass an FHA appraisal, so USDA and FHA have the same appraisal requirements, which determines the current market value and makes sure the house meets certain safety standards. Here is a list of items an FHA appraiser may look for:</p><p style="background-color: white; box-sizing: inherit; color: #1a1a1a; font-family: Merriweather, Georgia, serif; margin: 0px 0px 1.75em;"><span style="box-sizing: inherit; font-weight: 700;">General Health and Safety</span></p><ul style="background-color: white; box-sizing: border-box; color: #1a1a1a; font-family: Merriweather, Georgia, serif; list-style-image: initial; list-style-position: initial; margin: 0px 0px 1.75em; padding: 0px;"><li style="box-sizing: inherit;">Foundation or structural defects</li><li style="box-sizing: inherit;">Whether the utilities (water, sewage, heat, and electricity) all work</li><li style="box-sizing: inherit;">Chipped or peeling paint in homes built before 1978</li><li style="box-sizing: inherit;">Incomplete renovations</li><li style="box-sizing: inherit;">Water damage</li><li style="box-sizing: inherit;">If the property is accessible to vehicles, especially emergency vehicles</li><li style="box-sizing: inherit;">Exposed wiring and uncovered junction boxes</li><li style="box-sizing: inherit;">Whether the house is too close to outside hazards, such as a leaking oil tank or a waste dump</li><li style="box-sizing: inherit;">Excessive noise, such as being close to an airport</li><li style="box-sizing: inherit;">Missing handrails</li></ul><p style="background-color: white; box-sizing: inherit; color: #1a1a1a; font-family: Merriweather, Georgia, serif; margin: 0px 0px 1.75em;"><span style="box-sizing: inherit; font-weight: 700;">Exterior</span></p><ul style="background-color: white; box-sizing: border-box; color: #1a1a1a; font-family: Merriweather, Georgia, serif; list-style-image: initial; list-style-position: initial; margin: 0px 0px 1.75em; padding: 0px;"><li style="box-sizing: inherit;">Leaky or defective roof and holes in the siding</li><li style="box-sizing: inherit;">Leaning or broken fencing </li><li style="box-sizing: inherit;">Doors that don’t properly open or close</li><li style="box-sizing: inherit;">Condition of gutters, chimney, stairs, railings, and porches</li><li style="box-sizing: inherit;">If swimming pools are up to code </li></ul><p style="background-color: white; box-sizing: inherit; color: #1a1a1a; font-family: Merriweather, Georgia, serif; margin: 0px 0px 1.75em;"><span style="box-sizing: inherit; font-weight: 700;">Every Room</span></p><ul style="background-color: white; box-sizing: border-box; color: #1a1a1a; font-family: Merriweather, Georgia, serif; list-style-image: initial; list-style-position: initial; margin: 0px 0px 1.75em; padding: 0px;"><li style="box-sizing: inherit;">Whether each room has electricity</li><li style="box-sizing: inherit;">Whether each room has a window or door to the exterior to be used as a fire escape</li></ul><p style="background-color: white; box-sizing: inherit; color: #1a1a1a; font-family: Merriweather, Georgia, serif; margin: 0px 0px 1.75em;"><span style="box-sizing: inherit; font-weight: 700;">Kitchen</span></p><ul style="background-color: white; box-sizing: border-box; color: #1a1a1a; font-family: Merriweather, Georgia, serif; list-style-image: initial; list-style-position: initial; margin: 0px 0px 1.75em; padding: 0px;"><li style="box-sizing: inherit;">Missing or broken appliances usually sold with a home, including stove and refrigerator</li><li style="box-sizing: inherit;">Broken or leaking sink</li></ul><p style="background-color: white; box-sizing: inherit; color: #1a1a1a; font-family: Merriweather, Georgia, serif; margin: 0px 0px 1.75em;"><span style="box-sizing: inherit; font-weight: 700;">Bathrooms</span></p><ul style="background-color: white; box-sizing: border-box; color: #1a1a1a; font-family: Merriweather, Georgia, serif; list-style-image: initial; list-style-position: initial; margin: 0px 0px 1.75em; padding: 0px;"><li style="box-sizing: inherit;">Broken or leaking toilet, sink, or tub/shower</li><li style="box-sizing: inherit;">No ventilation (either an exhaust fan or window)</li></ul><p style="background-color: white; box-sizing: inherit; color: #1a1a1a; font-family: Merriweather, Georgia, serif; margin: 0px 0px 1.75em;"><span style="box-sizing: inherit; font-weight: 700;">Crawl space or basement</span></p><ul style="background-color: white; box-sizing: border-box; color: #1a1a1a; font-family: Merriweather, Georgia, serif; list-style-image: initial; list-style-position: initial; margin: 0px 0px 1.75em; padding: 0px;"><li style="box-sizing: inherit;">Basement moisture</li><li style="box-sizing: inherit;">Evidence of past or present standing water</li></ul><p style="background-color: white; box-sizing: inherit; color: #1a1a1a; font-family: Merriweather, Georgia, serif; margin: 0px 0px 1.75em;"><span style="box-sizing: inherit; font-weight: 700;">Heating and Plumbing</span></p><ul style="background-color: white; box-sizing: border-box; color: #1a1a1a; font-family: Merriweather, Georgia, serif; list-style-image: initial; list-style-position: initial; margin: 0px 0px 1.75em; padding: 0px;"><li style="box-sizing: inherit;">Inoperable HVAC</li><li style="box-sizing: inherit;">Major plumbing issues and leaks</li></ul><p style="background-color: white; box-sizing: inherit; color: #1a1a1a; font-family: Merriweather, Georgia, serif; margin: 0px 0px 1.75em;">These are some common items an FHA appraiser looks for, but other issues that might make a house unsafe could keep it from passing. An FHA appraisal is not the same as an independent home inspection. It’s still a good idea to get a separate home inspection to make sure you’re making a wise investment! </p><figure class="wp-block-image" style="background-color: white; box-sizing: inherit; color: #1a1a1a; font-family: Merriweather, Georgia, serif; margin: 0px 0px 1em;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgGqaTjbQfT1f1RjTndRHeYJUVRtt7s9GZ9W3VbDTkB9hnfUdwez8x3jpLbyFHyhdEjWDHASRi2kaGgM5uCscyl7DzHExQ2J4Ip7KNyUqsfOou5ZrljLQon51P8fPy6gIe-jkBTBQD8ijqB40LCWnu2Lsmu2GmzugklcvJ3u8iF_-LS2HiHevjBjtDnsg/s812/273596936_10159760693059233_1572539536694932133_n%20(1).jpg" rel="noreferrer noopener" style="background-color: transparent; box-shadow: currentcolor 0px 1px 0px 0px; box-sizing: inherit; color: #007acc; text-decoration-line: none;" target="_blank"><img alt="USDA APPRAISAL REQUIREMENTS FOR KENTUCKY MORTGAGE LOANS" src="https://ci3.googleusercontent.com/proxy/mrf5vV5BdEjDO3yN2wYskWwbymFC956SkeDNx82pimZaXHSiZyi9kAQeQvSChx14tn-I0AwKWencwe4q9IAaAc_yGhKgKvdNiy46uP-dWX9CUUGmwZ2pqRxZ8Xyg5XgWOfH45wsncFPOAxdRddZUGqrUJrcBMjkZGkRkYqCCLreiFoJAPIPVlli1MVaHbrLZMBUgvnAF1kMIIe2_V_Q2KIsbC8NDiV0WcMBChdF7mf-jeGJ5GM7K7ivyQUHmecwdMaKGVnhAr_V86gaRnJH-hsmg6g5B5CT7BbqkEe11lcut-wX24njTqeyUwHJ8MEqMTluNN-7aKY6hKpYCaGPD4By6zqGxmSxDm6aGDqhR9Qk42xCefkDWVoS4lxgFml6p4lkAgkPxntZ1i2darqiCI1VxHhNxKQPC8YyxWs1XkP6TXQ9VAX56iuX7Ife8qg=s16000" style="border: 0px; box-sizing: border-box; display: block; height: auto; max-width: 100%; vertical-align: bottom;" title="USDA APPRAISAL REQUIREMENTS FOR KENTUCKY MORTGAGE LOANS" /></a></figure><h1 class="wp-block-heading" style="background-color: white; box-sizing: inherit; clear: both; color: #1a1a1a; font-family: Merriweather, Georgia, serif; line-height: 1.27273; margin: 1.69697em 0px 0.848485em; text-rendering: optimizelegibility;"><br /></h1><p style="background-color: white; box-sizing: inherit; color: #1a1a1a; font-family: Merriweather, Georgia, serif; margin: 0px 0px 1.75em;">Posted by Joel Lobb, Mortgage Broker FHA, VA, KHC, USDA <a href="https://www.blogger.com/email-post.g?blogID=6172416889785686227&postID=2256808359367299281" style="background-color: transparent; box-shadow: currentcolor 0px 1px 0px 0px; box-sizing: inherit; color: #007acc; text-decoration-line: none;"> </a></p><p style="background-color: white; box-sizing: inherit; color: #1a1a1a; font-family: Merriweather, Georgia, serif; margin: 0px 0px 1.75em;"></p><p style="background-color: white; box-sizing: inherit; color: #1a1a1a; font-family: Merriweather, Georgia, serif; margin: 0px 0px 1.75em;"> <a href="https://kentuckyruralhousingusdaloan.blogspot.com/search/label/Appraisal" style="background-color: transparent; box-shadow: currentcolor 0px 1px 0px 0px; box-sizing: inherit; color: #007acc; text-decoration-line: none;">Appraisal</a>, <a href="https://kentuckyruralhousingusdaloan.blogspot.com/search/label/appraisal%20issues" style="background-color: transparent; box-shadow: currentcolor 0px 1px 0px 0px; box-sizing: inherit; color: #007acc; text-decoration-line: none;">appraisal issues</a>, <a href="https://kentuckyruralhousingusdaloan.blogspot.com/search/label/appraisal%20standards%20for%20USDA%20RHS" style="background-color: transparent; box-shadow: currentcolor 0px 1px 0px 0px; box-sizing: inherit; color: #007acc; text-decoration-line: none;">appraisal standards for USDA RHS</a>, <a href="https://kentuckyruralhousingusdaloan.blogspot.com/search/label/property%20eligibility" style="background-color: transparent; box-shadow: currentcolor 0px 1px 0px 0px; box-sizing: inherit; color: #007acc; text-decoration-line: none;">property eligibility</a>, <a href="https://kentuckyruralhousingusdaloan.blogspot.com/search/label/USDA%20APPRAISAL%20REQUIREMENTS" style="background-color: transparent; box-shadow: currentcolor 0px 1px 0px 0px; box-sizing: inherit; color: #007acc; text-decoration-line: none;">USDA APPRAISAL REQUIREMENTS</a></p><p style="background-color: white; box-sizing: inherit; color: #1a1a1a; font-family: Merriweather, Georgia, serif; margin: 0px 0px 1.75em;"><br /></p><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;"></p><p style="color: #222222;"><img src="https://ci4.googleusercontent.com/proxy/1KQ2czV_rxsQjXM7GsBdSS4qXcqPUO3bF-bl5c6-reJxAc1BXnPR55dwGNWYqzW0ncQcFdYQE1xgtSjehLutydaiG9JvwzNqDksdEOAgCz0ldMwz8gX0WQMbxK7UxVgLfGKqYX6e75T87REifWhOodHAFwRVg4NRrgsM3q94=s0-d-e1-ft#https://encrypted-tbn0.gstatic.com/images?q=tbn:ANd9GcSrlFJJlcULRY0tNMWjPvz0p9kAuFLYXr0YbPIXYluJW1qZRI3f" /></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;" /><br /></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><p style="background-color: white; box-sizing: inherit; color: #1a1a1a; font-family: Merriweather, Georgia, serif; margin: 0px 0px 1.75em;"><br /></p></div>Joel Lobb, Mortgage Broker FHA, VA, KHC, USDAhttp://www.blogger.com/profile/14742291613632757087noreply@blogger.comtag:blogger.com,1999:blog-6172416889785686227.post-51604360676444276572024-03-17T07:27:00.000-07:002024-03-17T07:27:23.633-07:00Kentucky 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-6172416889785686227.post-79511165405958575112024-03-14T03:32:00.000-07:002024-03-14T03:32:13.469-07:00Louisville Kentucky Mortgage Lender for FHA, VA, KHC, USDA and Rural Housing Kentucky Mortgages: USDA Rural Housing Kentucky Loan Information<a href="https://www.mylouisvillekentuckymortgage.com/p/a-kentucky-usda-home-loan-is-zero.html?spref=bl">Louisville Kentucky Mortgage Lender for FHA, VA, KHC, USDA and Rural Housing Kentucky Mortgages: USDA Rural Housing Kentucky Loan Information</a>: A Kentucky USDA home loan is a zero-dollar-down mortgage option provided by USDA’s Department of Rural Development. This government-...Joel Lobb, Mortgage Broker FHA, VA, KHC, USDAhttp://www.blogger.com/profile/14742291613632757087noreply@blogger.comtag:blogger.com,1999:blog-6172416889785686227.post-55314299755010075262024-03-09T07:29:00.000-08:002024-03-09T07:29:08.215-08:00Louisville 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-6172416889785686227.post-36645394165540572452024-02-19T07:15:00.000-08:002024-02-19T07:15:06.527-08:00Louisville 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-6172416889785686227.post-5227542548262937072024-02-19T07:14:00.000-08:002024-02-19T07:14:46.117-08:00Louisville 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-6172416889785686227.post-1530254438304512132024-02-17T09:49:00.000-08:002024-02-17T09:49:30.698-08:00Kentucky 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; 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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-6172416889785686227.post-60422056713189127942024-02-15T10:24:00.000-08:002024-02-15T10:24:09.013-08:00Kentucky's Welcome Home Grant: A $20,000 Grant To Help Kentucky Home Buy...<iframe style="background-image:url(https://i.ytimg.com/vi/imAYi7A3jAo/hqdefault.jpg)" width="480" height="270" src="https://youtube.com/embed/imAYi7A3jAo?si=ffBJ6IHXYTrE2Z3t" frameborder="0"></iframe>Joel Lobb, Mortgage Broker FHA, VA, KHC, USDAhttp://www.blogger.com/profile/14742291613632757087noreply@blogger.comtag:blogger.com,1999:blog-6172416889785686227.post-8493600600938678542024-02-15T06:56:00.000-08:002024-02-15T06:56:05.710-08:00Louisville 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-6172416889785686227.post-77319808763582442012024-02-14T06:33:00.000-08:002024-02-14T06:33:21.654-08:00Fee Increases for Origination Appraisals and Conditional Commitments for Kentucky Direct USDA loans<p> <span style="background-color: white; color: #16254b; font-family: arial, helvetica, sans-serif; font-size: 24px; text-align: right;">SFH Direct Loan and Grant Programs</span></p><h3 align="left" style="background-color: white; color: #035840; font-family: arial, helvetica, sans-serif; font-size: 18px; line-height: 1.2; margin: 0px 0px 15px;"><br /></h3><h1 align="left" style="background-color: white; color: #16254b; font-family: arial, helvetica, sans-serif; font-size: 24px; line-height: 1.2; margin: 0px 0px 20px;"><strong>Fee Increases for Origination Appraisals and Conditional Commitments</strong></h1><p align="left" style="background-color: white; font-family: arial, helvetica, sans-serif; font-size: 14px; line-height: 1.4; margin: 0px 0px 15px;">An Unnumbered Letter (UL) dated February 13, 2024, has been issued which increases the appraisal fee to $775 and the conditional commitment fee to $850 under the direct programs. The fee increases are effective March 14, 2024. The increased fees reflect market research for origination appraisals in rural areas and incorporates the average cost of appraisals under the programs’ nationwide contract with the Appraisal Management Companies.</p><p align="left" style="background-color: white; font-family: arial, helvetica, sans-serif; font-size: 14px; line-height: 1.4; margin: 0px 0px 15px;">Rural Development staff will follow the implementation responsibilities outlined in the UL, which has been posted to <a data-saferedirecturl="https://www.google.com/url?q=https://lnks.gd/l/eyJhbGciOiJIUzI1NiJ9.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.XiT8A2_ibz5DQe49z8QVQKB6BamVA1DWZ5uxXCD6T54/s/255281132/br/237039408086-l&source=gmail&ust=1708006975355000&usg=AOvVaw1SCsZ1Oi5k4qL-T6pGNPp0" href="https://lnks.gd/l/eyJhbGciOiJIUzI1NiJ9.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.XiT8A2_ibz5DQe49z8QVQKB6BamVA1DWZ5uxXCD6T54/s/255281132/br/237039408086-l" style="color: #005cc1;" target="_blank">https://www.rd.usda.gov/<wbr></wbr>resources/directives/<wbr></wbr>unnumbered-letters</a> under Housing Programs (or <u><a data-saferedirecturl="https://www.google.com/url?q=https://lnks.gd/l/eyJhbGciOiJIUzI1NiJ9.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.EqTfsflyvkj8TNrdCjKa1O5Qt-Cf3lI_WrEzaVfJb0I/s/255281132/br/237039408086-l&source=gmail&ust=1708006975355000&usg=AOvVaw1xLJpK-gdDDR19H_ndzCtD" href="https://lnks.gd/l/eyJhbGciOiJIUzI1NiJ9.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.EqTfsflyvkj8TNrdCjKa1O5Qt-Cf3lI_WrEzaVfJb0I/s/255281132/br/237039408086-l" style="color: #005cc1;" target="_blank">click here for a direct link</a></u>). </p>Joel Lobb, Mortgage Broker FHA, VA, KHC, USDAhttp://www.blogger.com/profile/14742291613632757087noreply@blogger.comtag:blogger.com,1999:blog-6172416889785686227.post-80974598514773299292024-02-12T14:11:00.000-08:002024-02-12T14:11:07.346-08:00Louisville 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-6172416889785686227.post-2700768431319629022024-02-08T08:22:00.000-08:002024-02-08T08:22:55.128-08:00Louisville 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-6172416889785686227.post-80638617395158414972024-02-06T12:16:00.000-08:002024-02-06T12:16:57.442-08:00Kentucky 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-6172416889785686227.post-47595235038195916202024-02-03T06:21:00.000-08:002024-02-03T06:21:41.668-08:00KENTUCKY VA MORTGAGE LENDER APPROVAL REQUIREMENTS<iframe width="480" height="270" src="https://youtube.com/embed/Da-UZM_mLIs?si=a-FRXmbOAHwKXohO" frameborder="0"></iframe>Joel Lobb, Mortgage Broker FHA, VA, KHC, USDAhttp://www.blogger.com/profile/14742291613632757087noreply@blogger.comtag:blogger.com,1999:blog-6172416889785686227.post-49430468905103181912024-01-24T10:01:00.000-08:002024-01-24T10:01:44.524-08:00Louisville Kentucky Mortgage Lender for FHA, VA, KHC, USDA and Rural Housing Kentucky Mortgages: Kentucky FHA Mortgage Loans vs Kentucky USDA Rural...<a href="https://www.mylouisvillekentuckymortgage.com/2015/01/kentucky-fha-mortgage-loans-vs-kentucky.html?spref=bl">Louisville Kentucky Mortgage Lender for FHA, VA, KHC, USDA and Rural Housing Kentucky Mortgages: Kentucky FHA Mortgage Loans vs Kentucky USDA Rural...</a>: Here are the important points about Kentucky USDA Rural Housing Loans: USDA loan are only available in certain counties of Kentucky. ...Joel Lobb, Mortgage Broker FHA, VA, KHC, USDAhttp://www.blogger.com/profile/14742291613632757087noreply@blogger.comtag:blogger.com,1999:blog-6172416889785686227.post-16542981601696224302024-01-24T09:15:00.000-08:002024-01-24T09:15:00.477-08:00100 percent Financing Kentucky USDA Rural Development Loans<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiH6pftAW4oypgEsWrZoiM6GrljA4NICc078IZi0ehS6rGsrQGPhpWmf05gVUlmoAodGdlQ3YY5Jbbyb4aIVBairXTxLXXOSZeuC5PRmF2Qs1ZFDmYro1yRwBy8bkdV1IOUXrN5Eg6Ue4hx/s1600/a33b15e056656c8bd2c43643d632531b+%25281%2529.jpg" style="margin-left: 1em; margin-right: 1em;"><img alt="USDA Lender Kentucky" border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiH6pftAW4oypgEsWrZoiM6GrljA4NICc078IZi0ehS6rGsrQGPhpWmf05gVUlmoAodGdlQ3YY5Jbbyb4aIVBairXTxLXXOSZeuC5PRmF2Qs1ZFDmYro1yRwBy8bkdV1IOUXrN5Eg6Ue4hx/s16000/a33b15e056656c8bd2c43643d632531b+%25281%2529.jpg" title="Kentucky USDA Mortgage Lender" /></a></div>
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Kentucky Rural Housing Loans </h3>
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USDA home loans in Kentucky are also known as the Rural Development Loan or RHS Loans. It is one of the best options for homebuyers that are currently looking for a home outside the urban areas of Lexington, Louisville, Bowling Green and Northern Kentucky that requires <b>No Money Down.</b> </div>
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Another major advantage of this home loan is it’s fixed interest rate. The fixed interest rate insulate buyers from interest rate fluctuations. You’ll have the same monthly loan repayment throughout the life of your loan.</div>
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<span style="font-weight: 700;">100 percent Financing Kentucky USDA Rural Development Loans</span> will allow you to roll up some of your closing cost into your monthly mortgage. While it is impossible to avoid closing costs of the home purchase, it is possible to have the seller pay for some of these cost and or arranged for them to be added to your total loan with minimal impact on your monthly payments.</div>
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<span style="font-weight: 700;">Eligibility for Kentucky USDA Loans</span></h4>
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When applying for eligibility for 100% <u>USDA loans,</u> there are <b>six</b> factors taken into account:</div>
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<li style="margin-left: 15px;"><span face=""open sans" , "helvetica neue" , "helvetica" , "arial" , sans-serif" style="background-color: white; font-size: 14px; line-height: 21px;"><b style="color: #191919;">Loan income restrictions </b><span style="color: #191919;">Most household income limits are set between $91,900 for a family of four, and up to $121,300 for a family of five or more see map </span></span></li></ul><div><span style="color: #191919;"><span style="font-size: 14px;"><br /></span></span></div><div><span style="color: #191919;"><span style="font-size: 14px;"><br /></span></span></div><ul style="margin: 15px 0px; padding-left: 30px;">
<li style="margin-left: 15px;"><span face=""open sans" , "helvetica neue" , "helvetica" , "arial" , sans-serif" style="background-color: white; font-size: 14px; line-height: 21px;"><span style="color: #191919;">>>>>></span></span><span face=""open sans" , "helvetica neue" , "helvetica" , "arial" , sans-serif" style="color: blue;"><span style="font-size: 14px; line-height: 21px;"><b><a href="http://www.rd.usda.gov/files/RD-GRHLimitMap.pdf">http://www.rd.usda.gov/files/RD-GRHLimitMap.pdf</a></b></span></span></li>
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<li style="margin-left: 15px;"><span style="background-color: white;"><b style="color: #191919; font-family: "Open Sans", "Helvetica Neue", Helvetica, Arial, sans-serif; font-size: 14px; line-height: 21px;">Credit </b><span face=""open sans" , "helvetica neue" , "helvetica" , "arial" , sans-serif" style="color: #191919;"><span style="line-height: 21px;"><span face="Open Sans, Helvetica Neue, Helvetica, Arial, sans-serif"><span style="font-size: 14px;"><b>score You</b></span></span><span style="font-size: 14px;"> have three credit scores, they throw and the high and low score and take the middle score of each of the three main credit bureaus, Experian, Equifax, and Transunion. Most lenders will want a 620 middle credit score due to the fact that GUS </span></span></span><span face=""open sans" , "helvetica neue" , "helvetica" , "arial" , sans-serif" style="color: #191919;"><span style="font-size: 14px; line-height: 21px;">(Guaranteed Underwriting System) </span></span><span face=""open sans" , "helvetica neue" , "helvetica" , "arial" , sans-serif" style="color: #191919;"><span style="font-size: 14px; line-height: 21px;">will not give you an automated approval upfront if the middle score is below the 640 thresholds. You may get a refer eligible on the initial pre-approval but a lot of lenders will not honor a refer eligible USDA file. On paper USDA says they will go down to a minimum credit score of 581 but most lenders will not touch them. </span></span></span></li>
<li style="margin-left: 15px;"><span style="background-color: white;"><span face=""open sans" , "helvetica neue" , "helvetica" , "arial" , sans-serif" style="color: #191919;"><span style="font-size: 14px; line-height: 21px;"><br /></span></span></span></li>
<li style="margin-left: 15px;"><span style="background-color: white;"><b style="color: #191919; font-family: "Open Sans", "Helvetica Neue", Helvetica, Arial, sans-serif; font-size: 14px; line-height: 21px;">Property Ownership </b><span face=""open sans" , "helvetica neue" , "helvetica" , "arial" , sans-serif" style="color: #191919;"><span style="font-size: 14px; line-height: 21px;">(Do you own other Property) In most cases, USDA will not allow you to use their program to purchase another home if you already have a home in your name. In some extreme cases, they will waive this if certain exceptions are met. You can call or email me for more details on this matter. The USDA loans are only available for single family primary residences. No rental homes or working farms are allowed on the USDA Home Loan </span></span><span face=""open sans" , "helvetica neue" , "helvetica" , "arial" , sans-serif" style="color: #191919;"><span style="font-size: 14px; line-height: 21px;">Program</span></span></span></li>
<li style="margin-left: 15px;"><span style="background-color: white;"><span face=""open sans" , "helvetica neue" , "helvetica" , "arial" , sans-serif" style="color: #191919;"><span style="font-size: 14px; line-height: 21px;"><br /></span></span></span></li>
<li style="margin-left: 15px;"><b style="background-color: white; color: #191919; font-family: "Open Sans", "Helvetica Neue", Helvetica, Arial, sans-serif; font-size: 14px; line-height: 21px;">Residential Location </b><span face=""open sans" , "helvetica neue" , "helvetica" , "arial" , sans-serif" style="color: #191919; font-size: 14px; line-height: 21px;"><span style="background-color: white;">(USDA Eligibility: to </span></span><span style="background-color: white;"><span face=""open sans" , "helvetica neue" , "helvetica" , "arial" , sans-serif" style="line-height: 21px;"><span><span style="color: #191919;"><span style="font-size: 14px;">check</span></span><span style="color: white;"><span style="font-size: 14px;"> </span></span></span><a href="http://eligibility.sc.egov.usda.gov/eligibility/welcomeAction.do?pageAction=sfp&NavKey=property@11" style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: 0px 0px; background-repeat: initial; background-size: initial; font-size: 14px; text-decoration: none;" target="_blank"><b><span style="color: blue;">click here</span></b></a></span><b style="font-family: "Open Sans", "Helvetica Neue", Helvetica, Arial, sans-serif; font-size: 14px; line-height: 21px;"><span style="color: blue;"> </span></b><span style="color: #191919;"><span face=""open sans" , "helvetica neue" , "helvetica" , "arial" , sans-serif"><span style="font-size: 14px; line-height: 21px;">) Is the property located in a Eligible area. See link above for eligibility boundaries for counties in Kentucky</span></span></span></span></li>
<li style="margin-left: 15px;"><span style="background-color: white;"><span style="color: #191919;"><span face=""open sans" , "helvetica neue" , "helvetica" , "arial" , sans-serif"><span style="font-size: 14px; line-height: 21px;"><br /></span></span></span></span></li>
<li style="margin-left: 15px;"><span style="background-color: white;"><span style="color: #191919;"><span face=""open sans" , "helvetica neue" , "helvetica" , "arial" , sans-serif"><span style="font-size: 14px; line-height: 21px;"><b>Debt to Income Ratios</b>: If your credit score is above 640, GUS will typically limit your back-end ratio to 45% of your total gross income. The front end ratio, or the housing ratio, usually is centered around 30% to 35% range, with compensating factors such as assets or money in bank to cover your new house payment, disposable income, high credit scores, and no rent payment shock. Rent payment shock is where your new house payment is much larger than your current rent payment. This only comes into play on lower credit scores.</span></span></span></span></li>
<li style="margin-left: 15px;"><span style="background-color: white;"><span style="color: #191919;"><span face=""open sans" , "helvetica neue" , "helvetica" , "arial" , sans-serif"><span style="line-height: 21px;"><span style="font-size: 14px;"><b>Assets I</b> have noticed that with 3 or 4 months reserves you can typically get a loan approved with lower credit scores with payment shock on the new loan. Additionally, if you have access to 20% down payment in your checking or savings account, they will make you use your own money. If the money is in a 401k or other tax deferred savings accounts this will not factor in and you can use the USDA loan program.</span></span></span></span></span></li>
<li style="margin-left: 15px;"><span face=""open sans" , "helvetica neue" , "helvetica" , "arial" , sans-serif" style="background-color: white; color: #191919; font-size: 14px; line-height: 21px;">I can explain this more in detail if you want to call or email me. </span></li>
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<span face=""open sans" , "helvetica neue" , "helvetica" , "arial" , sans-serif" style="color: #191919;"><span style="font-size: 14px;"><span style="background-color: white; box-sizing: border-box; color: #2a3785; font-family: "open sans" , "helvetica neue" , "helvetica" , "arial" , serif; font-size: 15px; font-weight: 700; text-align: -webkit-center;"><span style="box-sizing: border-box; font-size: 13px;"><span style="box-sizing: border-box;"><span style="box-sizing: border-box; font-size: 14px;"><span style="box-sizing: border-box; font-size: 16px;"><span style="box-sizing: border-box;">Look-up tool to determine if a Kentucky property is eligible for No Money Down USDA financing</span>-</span></span></span></span></span></span></span><br />
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<span face=""open sans" , "helvetica neue" , "helvetica" , "arial" , sans-serif" style="color: #191919;"><span style="font-size: 14px;"><span style="background-color: white; box-sizing: border-box; color: #2a3785; font-family: "open sans" , "helvetica neue" , "helvetica" , "arial" , serif; font-size: 15px; font-weight: 700; text-align: -webkit-center;"><span style="box-sizing: border-box; font-size: 13px;"><span style="box-sizing: border-box;"><span style="box-sizing: border-box; font-size: 14px;"><span style="box-sizing: border-box; font-size: 16px;"><br /></span></span></span></span></span></span></span>
<span face=""open sans" , "helvetica neue" , "helvetica" , "arial" , sans-serif" style="color: #191919;"><span style="background-color: white; box-sizing: border-box; color: #2a3785; font-family: "open sans" , "helvetica neue" , "helvetica" , "arial" , serif; font-weight: 700; text-align: -webkit-center;"><span style="box-sizing: border-box;"><br style="box-sizing: border-box;" /></span></span><span style="box-sizing: border-box; color: #002060; font-size: 16px;"><a href="https://eligibility.sc.egov.usda.gov/eligibility/welcomeAction.do">https://eligibility.sc.egov.usda.gov/eligibility/welcomeAction.do</a></span></span><br />
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<br /></div><div style="color: #222222; font-family: arial, sans-serif; font-size: small;"><div dir="ltr"><h1><strong style="font-size: small;">Joel Lobb </strong><strong style="font-size: small;">Mortgage Loan Officer</strong></h1><strong>American Mortgage Solutions, Inc.</strong><br /><strong>10602 Timberwood Circle</strong><br /><strong>Louisville, KY 40223</strong><br /><strong>Company NMLS ID #1364</strong><br /><br /><span style="color: red;"><strong>Text/call: 502-905-3708</strong><br /><strong>fax: 502-327-9119<br />email:</strong></span><strong><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 /><p><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></p><p><br /></p><p><img src="https://blogger.googleusercontent.com/img/proxy/AVvXsEjfoYTqXsEM1we_iR9e1gdzzPeuyRVhRn4zCECYrW7KlEzg1BGbczcIJnlM9b-NzTENGcp7co9NFIBQb0OIbs295Y2lafrI1AEpEo3y_apRBtm3wlC5DD4BNQ1Y0OA8H5e4l0th78uVzv3yz9s16Io8cBVqtOeli32iQ4eiSKZAUu__JmRUqgSvs6DQbdxyeEsoRCniM9ZJVPA6DeC0kLhbHpZLMkZVOhM=s0-d-e1-ft" /></p><p></p><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;" /><br /></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<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>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.<br />NMLS ID# 57916, (<a href="http://www.nmlsconsumeraccess.org/" style="color: #1155cc;" target="_blank">www.nmlsconsumeraccess.org</a>).<br /></div><div dir="ltr"><br /></div><div dir="ltr"><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" /></div></div><div style="color: #222222; font-family: arial, sans-serif; font-size: small;"><br /></div><div style="color: #222222; font-family: arial, sans-serif; font-size: small;"><br /></div><div style="color: #222222; font-family: arial, sans-serif; font-size: small;"><br /></div><div style="color: #222222; font-family: arial, sans-serif; font-size: small;"><br /></div><div style="color: #222222; font-family: arial, sans-serif; font-size: small;"><br /></div><div style="color: #222222; font-family: arial, sans-serif; font-size: small;"><br /></div><div style="color: #222222; font-family: arial, sans-serif; font-size: small;"><br /></div><div style="color: #222222; font-family: arial, sans-serif; font-size: small;"><br /></div>
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Joel Lobb, Mortgage Broker FHA, VA, KHC, USDAhttp://www.blogger.com/profile/14742291613632757087noreply@blogger.com10602 Timberwood Cir #3, Louisville, KY 40223, USA38.2347121 -85.5748545-36.020342664729931 133.80014549999999 90 55.0501455tag:blogger.com,1999:blog-6172416889785686227.post-16420173616654684002024-01-20T07:20:00.000-08:002024-01-20T07:20:24.636-08:00Louisville 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.comtag:blogger.com,1999:blog-6172416889785686227.post-43214298615284080092024-01-16T07:04:00.000-08:002024-01-16T07:04:52.032-08:00Louisville 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-6172416889785686227.post-15557205564520753192024-01-14T05:25:00.000-08:002024-01-14T05:25:30.444-08:00Kentucky 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-6172416889785686227.post-80477775509478673912024-01-13T06:33:00.000-08:002024-01-13T06:33:47.798-08:00Louisville 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-6172416889785686227.post-50435897332758152712024-01-10T12:10:00.000-08:002024-01-10T12:10:12.788-08:00Kentucky USDA Rural Housing Mortgage Qualifying Guidelines for 2024<iframe frameborder="0" height="270" src="https://youtube.com/embed/YLj4Ajej6og?si=mp1Radph8dFP98px" style="background-image: url(https://i.ytimg.com/vi/YLj4Ajej6og/hqdefault.jpg);" width="480"></iframe><div><br /></div><div><br /></div><div><br /></div><div><br /></div><div><br /><div class="gmail_signature" data-smartmail="gmail_signature" dir="ltr"><div dir="ltr"><div dir="ltr"><div dir="ltr"><div dir="ltr"><div dir="ltr"><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;"><br /></p><p style="color: #222222;"><img src="https://blogger.googleusercontent.com/img/proxy/AVvXsEjfoYTqXsEM1we_iR9e1gdzzPeuyRVhRn4zCECYrW7KlEzg1BGbczcIJnlM9b-NzTENGcp7co9NFIBQb0OIbs295Y2lafrI1AEpEo3y_apRBtm3wlC5DD4BNQ1Y0OA8H5e4l0th78uVzv3yz9s16Io8cBVqtOeli32iQ4eiSKZAUu__JmRUqgSvs6DQbdxyeEsoRCniM9ZJVPA6DeC0kLhbHpZLMkZVOhM=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;" /><br /></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></div></div></div></div></div></div>Joel Lobb, Mortgage Broker FHA, VA, KHC, USDAhttp://www.blogger.com/profile/14742291613632757087noreply@blogger.com10602 Timberwood Cir #3, Louisville, KY 40223, USA38.2347121 -85.5748545-13.773968768383448 -155.88735450000001 90 -15.2623545tag:blogger.com,1999:blog-6172416889785686227.post-29813177899605867272024-01-10T03:39:00.000-08:002024-01-10T03:39:16.134-08:00Louisville Kentucky Mortgage Lender for FHA, VA, KHC, USDA and Rural Housing Kentucky Mortgages: Louisville Kentucky Mortgage Lender for FHA, VA, K...<a href="https://www.mylouisvillekentuckymortgage.com/2024/01/louisville-kentucky-mortgage-lender-for_10.html?spref=bl">Louisville Kentucky Mortgage Lender for FHA, VA, KHC, USDA and Rural Housing Kentucky Mortgages: Louisville Kentucky Mortgage Lender for FHA, VA, K...</a>: Louisville Kentucky Mortgage Lender for FHA, VA, KHC, USDA and Rural Housing Kentucky Mortgages: What is the minimum Credit Score Needed to ...Joel Lobb, Mortgage Broker FHA, VA, KHC, USDAhttp://www.blogger.com/profile/14742291613632757087noreply@blogger.comtag:blogger.com,1999:blog-6172416889785686227.post-57161109845062616242024-01-08T07:00:00.000-08:002024-01-08T07:02:37.592-08:00Kentucky USDA Mortgage Loan Requirements<div>
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<div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhBhBcCeGoVLsNwuteftW-0Fj6rMvMeI5fjTHggyeuURt8qfLQefrFk5lgW4NNkwAl9gye-W9Ohj0gYHhyRgGQFyqjkwfc3RYsp8gV49cUzSgR8C4t9z3xAzqks57H47QvVmZz6eyQdn3Ou/s495/unnamed+%252833%2529.png" style="margin-left: 1em; margin-right: 1em;"><img alt="Kentucky USDA Mortgage Loan Requirements" border="0" data-original-height="432" data-original-width="495" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhBhBcCeGoVLsNwuteftW-0Fj6rMvMeI5fjTHggyeuURt8qfLQefrFk5lgW4NNkwAl9gye-W9Ohj0gYHhyRgGQFyqjkwfc3RYsp8gV49cUzSgR8C4t9z3xAzqks57H47QvVmZz6eyQdn3Ou/s16000/unnamed+%252833%2529.png" title="Kentucky USDA Mortgage Loan Requirements" /></a></div><br /><div class="separator" style="background-color: white; clear: both; text-align: center;"><br /></div><br /><h3 style="background-color: white; border: none; font-family: oswald; font-size: 20px; font-style: inherit; line-height: 1.5em; margin: 0px 0px 14px; padding: 0px; text-align: center; vertical-align: baseline;"><br /></h3>
<div style="background-color: white; font-family: arial; font-style: inherit; font-weight: inherit; line-height: 21px; margin-bottom: 20px; padding: 0px; vertical-align: baseline;"><span style="color: #555555;">Kentucky Rural Housing USDA loans require One of the biggest eligibility requirements is that the property be located in a designated rural area of Kentucky. </span></div><div style="background-color: white; font-family: arial; font-style: inherit; font-weight: inherit; line-height: 21px; margin-bottom: 20px; padding: 0px; vertical-align: baseline;"><span style="color: #555555;">You can use</span> <span style="border-color: initial; border-image: initial; border-style: initial; font-style: inherit; font-weight: inherit; outline-color: initial; outline-style: initial;">this map for <a href="https://kentuckyruralhousingusdaloan.blogspot.com/2018/02/usda-eligibility-map-usda-home-loan.html">Kentucky USDA Rural Housing Eligible Areas</a> for 20</span>24 <span style="color: #555555;"> below to determine if the property you have your eye on is eligible for a Kentucky USDA home loan.</span></div>
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<span style="font-style: inherit; font-weight: inherit;">Generally, these areas are outside of major metropolitan areas of Kentucky to include Jefferson County, Fayette County, and parts of Northern Kentucky are not eligible. </span></div><div style="background-color: white; font-family: arial; font-style: inherit; font-weight: inherit; line-height: 21px; margin-bottom: 20px; padding: 0px; vertical-align: baseline;"><span style="font-style: inherit; font-weight: inherit;">There are some smaller towns like Frankfort, Richmond, Winchester, Bowling Green, Paducah, Owensboro, Henderson and Radcliff that are not eligible for the USDA loan program--(see brown shaded areas on map link)</span></div>
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<span style="font-family: "arial";"><span style="background-color: white; color: #555555; font-style: inherit; font-weight: inherit;">The second crucial element for qualifying or a<a href="https://eligibility.sc.egov.usda.gov/eligibility/incomeEligibilityAction.do?pageAction=state"> USDA in Kentucky is the income limits</a>. USDA income limits can’t make more than 115% of the median family household income for the area in which you wish you purchase the home.</span></span></div><div style="line-height: 21px; margin-bottom: 20px; padding: 0px; vertical-align: baseline;"><div class="separator" style="clear: both; text-align: center;"><br /></div></div></div><div class="m_-3998526801935452882m_1680394039450654717gmail-post-entry" style="background-color: white; margin: 0px; padding: 0px; vertical-align: baseline;"><div style="font-family: arial; font-style: inherit; font-weight: inherit; line-height: 21px; margin-bottom: 20px; padding: 0px; vertical-align: baseline;">
With regard to income, the max DTI ratio is 29/41, meaning the housing payment can’t exceed 29% of gross monthly income and total liabilities can’t exceed 41% of income. You can go higher with an automated GUS approval. </div>
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You must also occupy the property you’re buying – no second homes or investment properties are permitted. But manufactured homes are USDA eligible. And there area loan limits just like there are on conventional mortgages and FHA loans.<span style="font-style: inherit; font-weight: inherit;">.</span></div>
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<span style="font-style: inherit; font-weight: inherit;"> The Kentucky USDA home loan program is not limited to just </span><span style="font-style: inherit; font-weight: inherit;">first-time home buyers</span><span style="font-style: inherit; font-weight: inherit;">. Repeat buyers are also eligible!</span></div>
<h4 style="border: none; font-family: oswald; font-style: inherit; line-height: 1.5em; margin: 0px 0px 14px; padding: 0px; text-align: left; vertical-align: baseline;"><span style="font-size: small; font-style: inherit; margin: 0px; padding: 0px; vertical-align: baseline;">Types of Kentucky USDA Home Loans</span></h4>
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The USDA home loan only comes in one flavor; a 30-year fixed-rate mortgage. Nothing fancy or exotic here to ensure borrowers don’t get into any trouble with an ARM.</div>
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The 15-year fixed also isn’t an option because such a loan would imply that the borrower could afford a conventional loan and not need to rely on the USDA and its zero down financing program.</div>
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<span style="font-style: inherit; font-weight: inherit;">However, you can use a USDA home loan to both purchase a new property or refinance your current mortgage under certain circumstances. But no cash out is permitted if you perform the latter.</span></div>
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<span style="font-style: inherit; font-weight: inherit;">There is a sister program known as the<a href="https://www.rd.usda.gov/programs-services/single-family-housing-programs/single-family-housing-direct-home-loans"> </a></span><span style="font-style: inherit; font-weight: inherit; margin: 0px; padding: 0px; text-decoration-line: underline; vertical-align: baseline;"><a href="https://www.rd.usda.gov/programs-services/single-family-housing-programs/single-family-housing-direct-home-loans">Section 502 Direct Loan Program</a></span><span style="font-style: inherit; font-weight: inherit;"> that assists low- and very-low income borrowers by providing subsidies that lower monthly mortgage payments for a select period of time.</span></div>
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The income limits for this program are significantly lower than those for the main USDA loan program, but the benefits are pretty amazing. For example, you can obtain an interest rate as low as 1% and get a 38-year loan term.</div>
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<span style="font-size: small; font-style: inherit; margin: 0px; padding: 0px; vertical-align: baseline;">Minimum Credit Scores for a Kentucky USDA Home Loan Approval</span></h3>
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Technically, there is no minimum credit score required to obtain a USDA home loan. However, lenders often impose overlays over USDA guidelines to ensure the borrowers are creditworthy.</div>
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Generally, you’ll need a credit score of 640 or higher to get approved for a USDA loan, though it’s possible to go lower with an exception or a manual underwrite.</div>
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When doing a manual underwrite, you should have compensating factors (such as long-term employment, assets, decent income, positive rental history etc.) to allow for the lower credit score. Your mortgage rate will also be higher to account for increased risk.</div>
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Also note that a higher credit score may be required if your DTI exceeds the allowable ratios.</div>
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In any case, you should really try to attain much higher credit scores if you want to get any type of mortgage, and favorable terms on said loan.</div>
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As with any other mortgage, it’s advisable to check your credit several months in advance to ensure your credit is on good shape, and if not, take steps to improve it before applying.</div>
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<br /><span style="color: red; font-family: "arial";"><span>Credit score over 680: </span></span></h4>
<span style="color: #555555; font-family: "arial";"><span><br /></span></span>
<span style="color: #555555; font-family: "arial";"><span>Perform a basic level of underwriting to confirm the</span></span><br />
<span style="color: #555555; font-family: "arial";"><span>applicant has an acceptable credit reputation. Perform additional analysis if the</span></span><br />
<span style="color: #555555; font-family: "arial";"><span>applicant’s credit history has indicators of unacceptable credit as noted in Paragraph 10.7</span></span><br />
<span style="color: #555555; font-family: "arial";"><span>of this Chapter.</span></span><br />
<span style="color: red; font-family: "arial";"><span><br /></span></span>
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<span style="color: red; font-family: "arial";"><span>Credit score 679 to 640:</span></span></h4>
<br />
<span style="color: #555555; font-family: "arial";"><span><br /></span></span>
<span style="color: #555555; font-family: "arial";"><span> Perform a comprehensive level of underwriting.</span></span><br />
<span style="color: #555555; font-family: "arial";"><span>Underwrite all aspects of the applicant’s credit history to establish the applicant has an</span></span><br />
<span style="color: #555555; font-family: "arial";"><span>acceptable credit reputation. Credit scores in this range indicate the applicant’s</span></span><br />
<span style="color: #555555; font-family: "arial";"><span>reputation is uncertain and will require a thorough analysis by the underwriter of the</span></span><br />
<span style="color: #555555; font-family: "arial";"><span>credit to draw a logical conclusion about the applicant’s commitment to making</span></span><br />
<span style="color: #555555; font-family: "arial";"><span>payments on the new mortgage obligation. The applicant’s credit history should</span></span><br />
<span style="color: #555555; font-family: "arial";"><span>demonstrate his or her past willingness and ability to meet credit obligations.</span></span><br />
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<span style="color: red; font-family: "arial";"><span>Credit score less than 640:</span></span></h4>
<br />
<span style="color: #555555; font-family: "arial";"><span><br /></span></span>
<span style="color: #555555; font-family: "arial";"><span> Perform a cautious level of underwriting. Perform a</span></span><br />
<span style="color: #555555; font-family: "arial";"><span>detailed review of all aspects of the applicant’s credit history to establish the applicant’s</span></span><br />
<span style="color: #555555; font-family: "arial";"><span>willingness to repay and ability to manage obligations as agreed. Unless there are</span></span><br />
<span style="color: #555555; font-family: "arial";"><span>extenuating circumstances documented in accordance with this Chapter, a credit score in</span></span><br />
<span style="color: #555555; font-family: "arial";"><span>this range is generally viewed as a strong indication that the applicant does not have an</span></span><br />
<span style="color: #555555; font-family: "arial";"><span>acceptable credit reputation.</span></span><br />
<span style="color: #555555; font-family: "arial";"><span><br /></span></span>
<span style="color: #555555; font-family: "arial";"><span>Little or no credit history: The lack of credit history on the credit report may be</span></span><br />
<span style="color: #555555; font-family: "arial";"><span>mitigated if the applicant can document a willingness to pay recurring debts through</span></span><br />
<span style="color: #555555; font-family: "arial";"><span>other acceptable means such as third party verification or cancelled checks. Due to</span></span><br />
<span style="color: #555555; font-family: "arial";"><span>impartiality issues, third party verification from relatives of household members are not</span></span><br />
<span style="color: #555555; font-family: "arial";"><span>permissible. Lenders can develop a Non-Traditional Credit Report for applicants who</span></span><br />
<span style="color: #555555; font-family: "arial";"><span>do not have a credit score in accordance with Paragraph 10.6 of this Chapter.</span></span><br />
<span style="color: #555555; font-family: "arial";"><span><br /></span></span>
<span style="color: #555555; font-family: "arial";"><span>An applicant with an outstanding judgment obtained by the United States in a</span></span><br />
<span style="color: #555555; font-family: "arial";"><span>Federal court, other than the United States Tax Court, is not eligible for a guarantee</span></span><br />
<span style="color: #555555; font-family: "arial";"><span>unless otherwise stated in this Chapter. </span></span><br />
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<h4>
<span style="font-family: "arial";"><span><span style="color: red;">Validating the Credit Score.</span><span style="color: #555555;"> </span></span></span></h4>
<br />
<span style="font-family: "arial";"><span><span style="color: #555555;"><br /></span></span></span>
<span style="font-family: "arial";"><span><span style="color: #555555;">Two or more eligible trade lines are necessary to validate</span></span></span><br />
<span style="color: #555555; font-family: "arial";"><span>an applicant’s credit report score. Eligible trade lines consist of credit accounts</span></span><br />
<span style="color: #555555; font-family: "arial";"><span>(revolving, installment etc.) with at least 12 months of repayment history reported on the</span></span><br />
<span style="color: #555555; font-family: "arial";"><span>credit report. At least one applicant whose income or assets are used for qualification</span></span><br />
<span style="color: #555555; font-family: "arial";"><span>must have a valid credit report score. </span></span><br />
<br />
<span style="color: #555555; font-family: "arial";"><span>Confirm the applicant has at least two eligible tradelines reported to the credit bureau.</span></span><br />
<span style="color: #555555; font-family: "arial";"><span>The tradeline may be open, closed and/or paid in full by the applicant. Eligible tradelines</span></span><br />
<span style="color: #555555; font-family: "arial";"><span>include:</span></span><br />
<span style="color: #555555; font-family: "arial";"><span><br /></span></span>
<span style="color: #555555; font-family: "arial";"><span> Loan (secured or unsecured);</span></span><br />
<span style="color: #555555; font-family: "arial";"><span> Revolving (generally a credit which is not repaid by a certain number of</span></span><br />
<span style="color: #555555; font-family: "arial";"><span>installments);</span></span><br />
<span style="color: #555555; font-family: "arial";"><span> Installment credit (generally repaid through a specified number of</span></span><br />
<span style="color: #555555; font-family: "arial";"><span>installments such as automobile, recreational vehicle, or student loans);</span></span><br />
<span style="color: #555555; font-family: "arial";"><span> Credit card (offered by banking institutions, commercial enterprises and</span></span><br />
<span style="color: #555555; font-family: "arial";"><span>individual retail stores. Consumers make purchases on credit and if payment</span></span><br />
<span style="color: #555555; font-family: "arial";"><span>is made within a stipulated period of time, no interest is charged);</span></span><br />
<span style="color: #555555; font-family: "arial";"><span> Collection (an account whereby an original creditor transfers an unpaid,</span></span><br />
<span style="color: #555555; font-family: "arial";"><span>delinquent balance to a collection agency to retrieve any monies owed);</span></span><br />
<span style="color: #555555; font-family: "arial";"><span> Charge-off (is the declaration by a creditor that an amount of debt is unlikely</span></span><br />
<span style="color: #555555; font-family: "arial";"><span>to be collected)</span></span><br />
<span style="color: #555555; font-family: "arial";"><span> Authorized user accounts may not be considered in the credit score and credit</span></span><br />
<span style="color: #555555; font-family: "arial";"><span>reputation analysis unless the applicant provides documentation that they have</span></span><br />
<span style="color: #555555; font-family: "arial";"><span>made payments on the account for the previous 12 months prior to</span></span><br />
<br />
<span style="color: #555555; font-family: "arial";"><span>application. </span></span><br />
<span style="color: #555555; font-family: "arial";"><span><br /></span></span>
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<h4>
<b><span style="color: red;">Indicators of unacceptable credit.</span></b></h4>
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<span style="color: #555555; font-family: "arial";"><span><br /></span></span>
<span style="color: #555555; font-family: "arial";"><span><br /></span></span>
<span style="color: #555555; font-family: "arial";"><span> Foreclosure within 3 years:</span></span><br />
<span style="color: #555555; font-family: "arial";"><span> Including pre-foreclosure activity, such as a pre-foreclosure sale or short sale</span></span><br />
<span style="color: #555555; font-family: "arial";"><span>in the previous 3 years\</span></span><br />
<span style="color: #555555; font-family: "arial";"><span> Bankruptcy within 3 years:</span></span><br />
<span style="color: #555555; font-family: "arial";"><span> Chapter 7 bankruptcy discharged in the previous 3 years;</span></span><br />
<span style="color: #555555; font-family: "arial";"><span> An elapsed period of less than 3 years, but not less than 12 months, may</span></span><br />
<span style="color: #555555; font-family: "arial";"><span>be acceptable if the applicant meets the criteria of Section 10.8 of this</span></span><br />
<span style="color: #555555; font-family: "arial";"><span>Chapter.</span></span><br />
<span style="color: #555555; font-family: "arial";"><span> Chapter 13 bankruptcy that has yet to complete repayment (repayment plan in</span></span><br />
<span style="color: #555555; font-family: "arial";"><span>progress) or has completed payment in the most recent 12 months.</span></span><br />
<span style="color: #555555; font-family: "arial";"><span> Plans that are completed for 12 months or greater do not require a credit</span></span><br />
<span style="color: #555555; font-family: "arial";"><span>exception in accordance with Section 10.8;</span></span><br />
<span style="color: #555555; font-family: "arial";"><span>\</span></span><br />
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<span style="color: red; font-size: small;"><br /></span></h3>
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<h4 style="border: none; font-family: oswald; font-style: inherit; line-height: 1.5em; margin: 0px 0px 14px; padding: 0px; text-align: left; vertical-align: baseline;"><span style="font-size: small; font-style: inherit; margin: 0px; padding: 0px; vertical-align: baseline;">Kentucky USDA Home Loan Mortgage Insurance Costs</span></h4>
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One of the upside of the USDA home loan is the fact that there’s an upfront guarantee fee that the borrower must pay. It is currently set at 1.0% of the loan amount, and .35% monthly mi premium called the annual fee, which is much cheaper than FHA and Conventional loans on lower credit scores. </div>
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This can be financed into the loan amount so it’s paid off over time, as opposed to upfront out-of-pocket at closing. And if the USDA guarantee fee is financed the LTV can exceed 100%.</div>
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<span style="font-size: small; font-style: inherit; margin: 0px; padding: 0px; vertical-align: baseline;">Refinancing a Kentucky USDA Home Loan</span></h3>
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It’s also possible to refinance an existing USDA home loan into another USDA loan, and actually quite easy thanks to a streamlined program that doesn’t require an appraisal, credit report, or a debt-to-income calculation.</div>
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The only requirement is that you must have been current on your mortgage for the past 12 months, and it must lower your interest rate by at least 1%. </div>
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<span style="font-style: inherit; font-weight: inherit;">There is also a non-streamlined USDA refinance option that requires an appraisal to gain approval, but allows you to roll closing costs into the new loan.</span></div>
<h2 style="border: none; font-family: oswald; font-style: inherit; line-height: 1.5em; margin: 0px 0px 14px; padding: 0px; text-align: left; vertical-align: baseline;"><span style="font-size: medium; font-style: inherit; margin: 0px; padding: 0px; vertical-align: baseline;">Kentucky Rural Housing USDA Home Loan Frequently Asked Questions</span></h2>
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<span style="font-style: inherit; font-weight: 700; margin: 0px; padding: 0px; vertical-align: baseline;">Do I need to make a down payment on a USDA home loan?</span></div>
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No, you can obtain 100% financing with a USDA loan, which is the main draw of the program. The only other government housing loans that provide zero down financing are VA mortgages.</div>
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<span style="font-style: inherit; font-weight: 700; margin: 0px; padding: 0px; vertical-align: baseline;">What credit score do I need to get a USDA loan?</span></div>
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You need a 640 credit score to get an automated approval for a USDA loan, but some lenders will go to 581 with expensive pricing adjustments. If you have bad credit, you may want to take a hard look at your credit history and clean it up as much as possible before applying.</div>
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<span style="font-style: inherit; font-weight: 700; margin: 0px; padding: 0px; vertical-align: baseline;">Do I need two years of job history to get approved for a USDA loan?</span></div>
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Not necessarily. If you’re new to the workforce or returning after a reasonable and explainable absence and likely to continue working it may be permitted.</div>
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<span style="font-style: inherit; font-weight: 700; margin: 0px; padding: 0px; vertical-align: baseline;">Can I get a USDA loan if I’m self-employed?</span></div>
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Yes, but you’ll need to provide two years of tax returns to ensure it is stable and in the same line of work.</div>
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<span style="font-style: inherit; font-weight: 700; margin: 0px; padding: 0px; vertical-align: baseline;">Are USDA mortgage rates high or low?</span></div>
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They’re generally pretty low relative to conventional mortgage rates (Fannie and Freddie) and pretty close to FHA mortgage rates. If an FHA 30-year fixed is 4.5%, the USDA 30-year fixed rate might be 4.5%. In other words, they’re low and competitive.</div>
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But you have to factor in the upfront and monthly mortgage insurance premiums as well.</div>
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Additionally, USDA loan rates can’t be more than 1% above the current Fannie Mae yield for 90-day delivery for 30-year fixed rate conventional loans. This regulates how high the rate can be based on the market average.</div>
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<span style="font-style: inherit; font-weight: 700; margin: 0px; padding: 0px; vertical-align: baseline;">What loan types are available via the USDA loan program?</span></div>
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Just the 30-year fixed. No adjustable-rate mortgages and no other fixed products are available. Additionally, balloon mortgages and interest-only mortgages aren’t permitted, nor are prepayment penalties.</div>
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<span style="font-style: inherit; font-weight: 700; margin: 0px; padding: 0px; vertical-align: baseline;">Can you buy a condo with a USDA home loan?</span></div>
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Yes, but it must be on the approved list from Fannie/Freddie, the FHA, or VA, and it must be located in a rural area.</div>
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<span style="font-style: inherit; font-weight: 700; margin: 0px; padding: 0px; vertical-align: baseline;">Can I get a USDA loan on a second home or investment property?</span></div>
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No, USDA loans are only available on owner-occupied primary residences.</div>
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<span style="font-style: inherit; font-weight: 700; margin: 0px; padding: 0px; vertical-align: baseline;">Can I get cash out via a USDA loan?</span></div>
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No, only rate and term refinances are available, along with purchase financing.</div>
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<span style="font-style: inherit; font-weight: 700; margin: 0px; padding: 0px; vertical-align: baseline;">Can I roll closing costs into a USDA loan?</span></div>
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Yes, as long as the property appraises for more than the purchase price and the DTI isn’t exceeded as a result. You can also use seller concessions or a lender credit to cover closing costs.</div>
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<span style="font-style: inherit; font-weight: 700; margin: 0px; padding: 0px; vertical-align: baseline;">Is there mortgage insurance on a USDA loan?</span></div>
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It’s technically called a guarantee fee, and includes both an upfront fee at closing (that can be financed) and a monthly fee that is ongoing.</div>
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<span style="font-style: inherit; font-weight: inherit;">!</span></div>
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<span style="font-style: inherit; font-weight: 700;">How long does it take to get a USDA loan in Kentucky?</span></div>
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Like all other mortgages, it depends on your specific scenario, but the USDA loan approval process does require an extra step in sending the loan to the USDA for final approval. They basically check the lender’s work before they allow them to fund the loan. This step can add an extra few days to few weeks (or more) onto your closing date, so beware!</div>
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<b>On average it takes 30-45 days to close a USDA loan in Kentucky,</b><span style="font-weight: inherit;"> so about the same as any other government-backed mortgage loan like FHA, VA KHC etc. </span></div>
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<br /></div><div style="line-height: 21px; margin-bottom: 20px; padding: 0px; vertical-align: baseline;">Kentucky USDA Rural Housing Map Below:👇 Click on link below to see if the home is located in a Rural Housing Area.</div><div style="line-height: 21px; margin-bottom: 20px; padding: 0px; vertical-align: baseline;"><a href="https://rdgdwe.sc.egov.usda.gov/eligibilitymaps/index.jsp?">https://rdgdwe.sc.egov.usda.gov/eligibilitymaps/index.jsp?</a></div><div style="line-height: 21px; margin-bottom: 20px; padding: 0px; vertical-align: baseline;"><br /></div>
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Joel Lobb, Mortgage Broker FHA, VA, KHC, USDAhttp://www.blogger.com/profile/14742291613632757087noreply@blogger.comjoel lobb mortgage broker38.2526647 -85.75845570000001337.853296699999994 -86.403902700000017 38.6520327 -85.113008700000009tag:blogger.com,1999:blog-6172416889785686227.post-80738021866577964872024-01-08T06:23:00.000-08:002024-01-08T06:23:20.856-08:00Kentucky 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.com