USDA LOAN LENDER IN KENTUCKY
KENTUCKY USDA MORTGAGE LOAN INFORMATION PROGRAM FEATURES FOR USDA LOANS 620+ MIN FICO - REFERS AND GUS ACCEPTS! 620+ - YES WE DO REFERS!(29/41 MAX RATIOS)U/W DIRECTLY TO RD MANUAL GUIDES 620+ GUS ACCEPTS - NO OVERLAYS - follow GUS findings 101% LTV of appraised value Ratios to 32/44 w/ 620+ and GUS approval w/ comp. factors for debt waiver 35% Annual Fee, 1% Guarantee Fee We Accept Transfer Appraisals - No Problem on all loans File sent to RD within 24 Hours of UW clear! File sent to docs within 24 Hours of Receipt of the RD commitment Up to 6% seller concessions allowed 620+ - GUS Accept - must have 2 trades for 12 months(open/closed) - or manual downgrade GUS REFERS 620 - scores OK! 29/41 max ratios VOR or 12 months cancelled rents checks required Tradelines or alt tradelines required Medical collections & charge off accounts ignored - consumer collections follow HUD $2000 guidelines (Call us for details!) Minimal lates allowed in past 12 months