Getting a FHA Loan Approved with the new Guidelines for Student Loans in Kentucky for 2017

2017 KENTUCKY FHA MORTGAGE GUIDELINES FOR APPROVAL WITH STUDENT LOANS

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Student Loan Payment Calculation
Must include all student loans in the borrower’s liabilities, regardless of the payment type or status of payments.

Calculation of monthly obligation, regardless of the payment status, must use either:
the greater of:
• 1 percent of the outstanding balance on the loan; or
• the monthly payment reported on the borrower’s credit report; or

the actual documented payment, provided the payment will fully amortize the loan over its term.
Additional documentation required if the payment used for the monthly obligation is:
• less than 1 percent of the outstanding balance reported on the borrower’s credit report;and
• less than the monthly payment reported on the borrower’s credit report.
Provide written documentation of the actual monthly payment, the payment status, and evidence of the outstanding balance and terms from the creditor.
Guide Reference – 4000.1 II.A.4.b.iv(H) (TOTAL) and II.A.5.a.iv.(G) (Manual)

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I can answer your questions and usually get you pre-approved the same day.

Call or Text me at 502-905-3708 with your mortgage questions.
Email Kentuckyloan@gmail.com






 
 


Joel Lobb (NMLS#57916)
Senior  Loan Officer
 
American Mortgage Solutions, Inc.
10602 Timberwood Circle Suite 3
Louisville, KY 40223
Company ID #1364 | MB73346
 


Text/call 502-905-3708
kentuckyloan@gmail.com

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, nor does it comprise full underwriting guidelines.  This does not represent being part of a government agency. The views expressed on this post are mine and do not necessarily reflect the view of  my employer. Not all products or services mentioned on this site may fit all people.
, NMLS ID# 57916, (www.nmlsconsumeraccess.org). I lend in the following states: Kentucky

 

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Kentucky FHA Loan Requirements for 2017

Kentucky HUD $100 Down FHA Program for 2017

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Kentucky FHA Loan Requirements

The requirements for Kentucky FHA loans are set by HUD.

  • Borrowers must have a steady employment history of the last two years within the same industry or line of work. Recent college graduates can use their transcripts to supplant the 2 year work history rule as long as it makes sense.
  • Self-Employed will need a 2 year history of tax returns filed with IRS. They will take a 2 year average.
  • FHA requires a 3.5% down payment. Can be gifted from family member or from retirement savings plan, or money saved-up. Any type of cash deposits are not allowed for down payments. No exceptions to this rule!! This is one of the biggest issues I see in FHA underwriting nowadays.
  •  FHA loans are  for primary residence occupancy. Not rental houses.
  • Borrowers must have a property appraisal from a FHA-approved appraiser.
  • Borrowers’ front-end ratio (mortgage payment plus HOA fees, property taxes, mortgage insurance, homeowners insurance) needs to be less than 31 percent of their gross income, typically. You may be able to get approved with as high a percentage as 43 percent. If the Automated Underwriting System gives you an Approved Eligible you can go higher on the debt ratios
  • Borrowers must have a minimum credit score of 580 for maximum financing with a 3.5% down payment
  • Borrowers must have a minimum credit score of 500-579 for maximum LTV of 90 percent with a minimum down payment of 10 percent. Most lenders will not go below 620 score, and very few lenders will go to 580 score. It’s best to work on getting your scores up before you apply or work with a loan officer to improve them.
  • 2 years removed from Chapter 7 is required with good pay history after bankruptcy
  • 1 year removed from Chapter 13 is okay with an excellent pay history with the Chapter 13 plan and permission from trustee. You will need to qualify with the Chapter 13 payment along with new house payment. Again, scores will play into your loan pre-approval.
  • Typically borrowers must be three years out of foreclosure and have re-established good credit. Exceptions can be made if there were extenuating circumstances and you’ve improved your credit. If you were unable to sell your home because you had to move to a new area, this does not qualify as an exception to the three-year foreclosure guideline.
  • Max FHA loan in Kentucky is between $275,000 to $299,000 depending on the county in Kentucky
    I can answer your questions and usually get you pre-approved the same day.

hud-100-incentive-program-fha-home-loan-group-1

  • Call or Text me at 502-905-3708 with your mortgage questions.
    Email Kentuckyloan@gmail.com





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    Joel Lobb
    Senior  Loan Officer
    (NMLS#57916)
    text or call my phone: (502) 905-3708
    email me at kentuckyloan@gmail.com
    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, nor does it comprise full underwriting guidelines. This does not represent being part of a government agency. The views expressed on this post are mine and do not necessarily reflect the view of my employer. Not all products or services mentioned on this site may fit all people. NMLS ID# 57916, (www.nmlsconsumeraccess.org). Mortgage loans only offered in Kentucky.
    All loans and lines are subject to credit approval, verification, and collateral evaluation and are originated by lender. Products and interest rates are subject to change without notice. Manufactured and mobile homes are not eligible as collateral.

What are the Kentucky FHA Credit Score Requirements for 2017 Mortgage Loan Approvals?

 

Getting a FHA loan in Kentucky in 2017 you will be confronted with minimum credit score requirements set forth by FHA and the lender. Even though FHA will insure the mortgage loan at a certain credit score, you will see that lenders will create  “credit-overlays” to protect their risk and ask for a higher credit score.

So keep in mind when you are getting a FHA loan in 2017, some lenders will have higher credit score minimums in addition to the FHA Mortgage Insurance program.

For a Kentucky Home buyer wanting to purchase a home or refinance their existing FHA loan, FHA requires a 3.5% down payment and the borrower must have a 580 FICO Credit Score. If the score is below 580, then you would need 10% down and still qualify on a manual underwrite.

You must have a FICO score of at least 500 to be eligible for an Kentucky  FHA loan. If your FICO score is from 500 to 579, your down payment on the loan is 10 percent of the loan.

If your FICO score is 580 or higher, your down payment is only 3.5 percent. If your credit score is less than 580, it may be more cost effective to take the necessary steps to improve your score before taking out the loan, rather than putting the money into a larger down payment.

How do they get the credit score:  There are three main credit bureaus in the US. Equifax, Experian, and Transunion. The three scores vary but should be relativley  close as long as the same creditors are reporting to the same bureaus.

You will get a variation in the scores due to all creditors or collection companies don’t report to all three bureaus. This is why they take the mid score.  So if you have a 590 experian, 680 equifax, and 620 transunion, your qualifying credit score would be 620

Based on my experience with lenders that I deal with in Kentucky on FHA loans,  most lenders require 620 middle credit score for consideration for loan approval.

How do they get the score:  They take the mid score, so if you have a 590 experian, 680 equifax, and 620 transunion, your qualifying score would be 620.

 

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Kentucky FHA Loans with less than 620 Score

If your score is below 620, a manual underwrite is where the AUS (Automated Underwriting System) refers your loan to an human being, and they look at the entire file to see if they can overturn and approve the mortgage loan because the Desktop Underwriting Automated Software could not approve you.

With scores below 620, they typically will want to verify your rent history, have no bankruptcies in last two years, and no foreclosures in the last 3 years.

If you have had any lates since the bankruptcy this will probably result in a denial on a refer manual underwrite file.

Your max house payment will be set at 31% of your gross monthly income,  and your new house payment plus the bills you are paying on the credit report cannot be more than 43%.

Typically, on scores below 620 for FHA loans, they will also look at reserves or money you have saved-up after the loan is made to try and qualify you. For example, if you have a 401k or savings account that have at least 4 months reserves (take your mortgage payment  x 4) and this would equal your reserves. They look at this as a rainy day fund and could help you keep up on your bills if you were unemployed or could not work.

Maximum FHA loan limits in Kentucky are set around $285,000 and below.

If you are looking to take a FHA loan in 2017 to buy or refinance a home in Kentucky, please contact me below with your questions about the credit score requirements and how they affect your loan approval.

Joel Lobb
Senior  Loan Officer
(NMLS#57916)
text or call my phone: (502) 905-3708
email me at kentuckyloan@gmail.com
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, nor does it comprise full underwriting guidelines. This does not represent being part of a government agency. The views expressed on this post are mine and do not necessarily reflect the view of my employer. Not all products or services mentioned on this site may fit all people. NMLS ID# 57916, (www.nmlsconsumeraccess.org). Mortgage loans only offered in Kentucky.
All loans and lines are subject to credit approval, verification, and collateral evaluation and are originated by lender. Products and interest rates are subject to change without notice. Manufactured and mobile homes are not eligible as collateral.

 

 

 

Kentucky FHA Loan Limits for 2017

Kentucky FHA Loan Limits for 2017
FHA has announced new loan limits for 2017. For all FHA loans with Case Numbers assigned on or after January 1st, the following will be effective
  • The minimum national loan limit is being increased to$275,655. No county will have a maximum loan limit lower than this number.
  • Individual County loan limits can be located here. There were no counties where the loan limit decreased. There were a few where the limit did not change, but the vast majority of counties saw some increase.
  • FHA High Balance maximum loan limits have increased to coincide with the new FNMA maximum loan limits previously announced.
As of now, FHA high balance pricing will still apply to loans above the previous FNMA loan limit floor. That is, the High Balance FHA Loan Program policy will continue to apply to base loan amounts GREATER than:
* $417,000 for one-unit property
* $533,850 for two-unit property
* $645,300 for three-unit property
* $801,950 for four-unit property
However we will continue to monitor the market and make an announcement if/when these values are updated to coincide with the new FNMA loan limit floor values.

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Kentucky FHA Lending Limits

2017 Kentucky FHA limits include the following cities of  Fort Thomas, Erlanger, Florence, Ashland, Frankfort, Lexington, Richmond, Somerset Elizabethtown, Louisville, Owensboro, Hopkinsville, Fort Campbell North, Mayfield, Paducah, Madisonville, Henderson, Radcliff, Fort Knox, Georgetown, London, Bowling Green, E-town, Shepherdsville, Mount Washington, Lagrange, Shelbyville, Independence,  Hodgenville, Brandenburg, Morehead, Danville, Versailles, Lawrenceburg, Simpsonville, Winchester, Williamstown, Pikeville, Munfordville, Prospect, Crestwood, St. Matthews, Highlands,

 

Mortgage maximums as of Tuesday November 29, 2016
(120 records were selected, records 1 through 50 displayed)

MSA Name MSA Code Division County Name County
Code
State One-Family Two-Family Three-Family Four-Family Median Sale Price Last Revised Limit Year
NON-METRO 99999   ADAIR 001 KY $275,665 $352,950 $426,625 $530,150 $55,000 01/01/2017 CY2017
BOWLING GREEN, KY 14540   ALLEN 003 KY $275,665 $352,950 $426,625 $530,150 $150,000 01/01/2017 CY2017
FRANKFORT, KY 23180   ANDERSON 005 KY $275,665 $352,950 $426,625 $530,150 $115,000 01/01/2017 CY2017
PADUCAH, KY-IL 37140   BALLARD 007 KY $275,665 $352,950 $426,625 $530,150 $122,000 01/01/2017 CY2017
GLASGOW, KY 23980   BARREN 009 KY $275,665 $352,950 $426,625 $530,150 $79,000 01/01/2017 CY2017
MOUNT STERLING, KY 34460   BATH 011 KY $275,665 $352,950 $426,625 $530,150 $102,000 01/01/2017 CY2017
MIDDLESBOROUGH, KY 33180   BELL 013 KY $275,665 $352,950 $426,625 $530,150 $66,000 01/01/2017 CY2017
CINCINNATI, OH-KY-IN 17140   BOONE 015 KY $275,665 $352,950 $426,625 $530,150 $214,000 01/01/2017 CY2017
LEXINGTON-FAYETTE, KY 30460   BOURBON 017 KY $275,665 $352,950 $426,625 $530,150 $171,000 01/01/2017 CY2017
HUNTINGTON-ASHLAND, WV-KY-OH 26580   BOYD 019 KY $275,665 $352,950 $426,625 $530,150 $170,000 01/01/2017 CY2017
DANVILLE, KY 19220   BOYLE 021 KY $275,665 $352,950 $426,625 $530,150 $145,000 01/01/2017 CY2017
CINCINNATI, OH-KY-IN 17140   BRACKEN 023 KY $275,665 $352,950 $426,625 $530,150 $214,000 01/01/2017 CY2017
NON-METRO 99999   BREATHITT 025 KY $275,665 $352,950 $426,625 $530,150 $52,000 01/01/2017 CY2017
NON-METRO 99999   BRECKINRIDGE 027 KY $275,665 $352,950 $426,625 $530,150 $60,000 01/01/2017 CY2017
LOUISVILLE/JEFFERSON , KY-IN 31140   BULLITT 029 KY $299,000 $382,750 $462,650 $575,000 $260,000 01/01/2017 CY2017
BOWLING GREEN, KY 14540   BUTLER 031 KY $275,665 $352,950 $426,625 $530,150 $150,000 01/01/2017 CY2017
NON-METRO 99999   CALDWELL 033 KY $275,665 $352,950 $426,625 $530,150 $63,000 01/01/2017 CY2017
MURRAY, KY 34660   CALLOWAY 035 KY $275,665 $352,950 $426,625 $530,150 $115,000 01/01/2017 CY2017
CINCINNATI, OH-KY-IN 17140   CAMPBELL 037 KY $275,665 $352,950 $426,625 $530,150 $214,000 01/01/2017 CY2017
NON-METRO 99999   CARLISLE 039 KY $275,665 $352,950 $426,625 $530,150 $74,000 01/01/2017 CY2017
NON-METRO 99999   CARROLL 041 KY $275,665 $352,950 $426,625 $530,150 $104,000 01/01/2017 CY2017
NON-METRO 99999   CARTER 043 KY $275,665 $352,950 $426,625 $530,150 $67,000 01/01/2017 CY2017
NON-METRO 99999   CASEY 045 KY $275,665 $352,950 $426,625 $530,150 $73,000 01/01/2017 CY2017
CLARKSVILLE, TN-KY 17300   CHRISTIAN 047 KY $275,665 $352,950 $426,625 $530,150 $158,000 01/01/2017 CY2017
LEXINGTON-FAYETTE, KY 30460   CLARK 049 KY $275,665 $352,950 $426,625 $530,150 $171,000 01/01/2017 CY2017
NON-METRO 99999   CLAY 051 KY $275,665 $352,950 $426,625 $530,150 $25,000 01/01/2017 CY2017
NON-METRO 99999   CLINTON 053 KY $275,665 $352,950 $426,625 $530,150 $37,000 01/01/2017 CY2017
NON-METRO 99999   CRITTENDEN 055 KY $275,665 $352,950 $426,625 $530,150 $58,000 01/01/2017 CY2017
NON-METRO 99999   CUMBERLAND 057 KY $275,665 $352,950 $426,625 $530,150 $66,000 01/01/2017 CY2017
OWENSBORO, KY 36980   DAVIESS 059 KY $275,665 $352,950 $426,625 $530,150 $112,000 01/01/2017 CY2017
BOWLING GREEN, KY 14540   EDMONSON 061 KY $275,665 $352,950 $426,625 $530,150 $150,000 01/01/2017 CY2017
NON-METRO 99999   ELLIOTT 063 KY $275,665 $352,950 $426,625 $530,150 $62,000 01/01/2017 CY2017
NON-METRO 99999   ESTILL 065 KY $275,665 $352,950 $426,625 $530,150 $52,000 01/01/2017 CY2017
LEXINGTON-FAYETTE, KY 30460   FAYETTE 067 KY $275,665 $352,950 $426,625 $530,150 $171,000 01/01/2017 CY2017
NON-METRO 99999   FLEMING 069 KY $275,665 $352,950 $426,625 $530,150 $60,000 01/01/2017 CY2017
NON-METRO 99999   FLOYD 071 KY $275,665 $352,950 $426,625 $530,150 $110,000 01/01/2017 CY2017
FRANKFORT, KY 23180   FRANKLIN 073 KY $275,665 $352,950 $426,625 $530,150 $115,000 01/01/2017 CY2017
UNION CITY, TN-KY 46460   FULTON 075 KY $275,665 $352,950 $426,625 $530,150 $63,000 01/01/2017 CY2017
CINCINNATI, OH-KY-IN 17140   GALLATIN 077 KY $275,665 $352,950 $426,625 $530,150 $214,000 01/01/2017 CY2017
NON-METRO 99999   GARRARD 079 KY $275,665 $352,950 $426,625 $530,150 $106,000 01/01/2017 CY2017
CINCINNATI, OH-KY-IN 17140   GRANT 081 KY $275,665 $352,950 $426,625 $530,150 $214,000 01/01/2017 CY2017
MAYFIELD, KY 32460   GRAVES 083 KY $275,665 $352,950 $426,625 $530,150 $68,000 01/01/2017 CY2017
NON-METRO 99999   GRAYSON 085 KY $275,665 $352,950 $426,625 $530,150 $39,000 01/01/2017 CY2017
NON-METRO 99999   GREEN 087 KY $275,665 $352,950 $426,625 $530,150 $58,000 01/01/2017 CY2017
HUNTINGTON-ASHLAND, WV-KY-OH 26580   GREENUP 089 KY $275,665 $352,950 $426,625 $530,150 $170,000 01/01/2017 CY2017
OWENSBORO, KY 36980   HANCOCK 091 KY $275,665 $352,950 $426,625 $530,150 $112,000 01/01/2017 CY2017
ELIZABETHTOWN-FORT KNOX, KY 21060   HARDIN 093 KY $275,665 $352,950 $426,625 $530,150 $130,000 01/01/2017 CY2017
NON-METRO 99999   HARLAN 095 KY $275,665 $352,950 $426,625 $530,150 $53,000 01/01/2017 CY2017
NON-METRO 99999   HARRISON 097 KY $275,665 $352,950 $426,625 $530,150 $71,000 01/01/2017 CY2017
NON-METRO 99999   HART 099 KY $275,665 $352,950 $426,625 $530,150 $77,000 01/01/2017 CY2017

Selection criteria

Sorted by: County
State: KY
County:
County Code:
MSA Name:
MSA Code:
Limit Type: FHA Forward
Limit Year: CY2017
Last Revised:

The CY2017 basic standard mortgage limits for FHA insured loans are:
One-family Two-family Three-family Four-family
FHA Forward $275,665.00 $352,950.00 $426,625.00 $530,150.00
HECM $636,150.00
Fannie/Freddie $424,100.00 $543,000.00 $656,350.00 $815,650.00

Mortgage maximums as of Tuesday November 29, 2016
(120 records were selected, records 51 through 100 displayed)

MSA Name MSA Code Division County Name County
Code
State One-Family Two-Family Three-Family Four-Family Median Sale Price Last Revised Limit Year
EVANSVILLE, IN-KY 21780   HENDERSON 101 KY $275,665 $352,950 $426,625 $530,150 $176,000 01/01/2017 CY2017
LOUISVILLE/JEFFERSON , KY-IN 31140   HENRY 103 KY $299,000 $382,750 $462,650 $575,000 $260,000 01/01/2017 CY2017
NON-METRO 99999   HICKMAN 105 KY $275,665 $352,950 $426,625 $530,150 $68,000 01/01/2017 CY2017
MADISONVILLE, KY 31580   HOPKINS 107 KY $275,665 $352,950 $426,625 $530,150 $80,000 01/01/2017 CY2017
NON-METRO 99999   JACKSON 109 KY $275,665 $352,950 $426,625 $530,150 $55,000 01/01/2017 CY2017
LOUISVILLE/JEFFERSON , KY-IN 31140   JEFFERSON 111 KY $299,000 $382,750 $462,650 $575,000 $260,000 01/01/2017 CY2017
LEXINGTON-FAYETTE, KY 30460   JESSAMINE 113 KY $275,665 $352,950 $426,625 $530,150 $171,000 01/01/2017 CY2017
NON-METRO 99999   JOHNSON 115 KY $275,665 $352,950 $426,625 $530,150 $93,000 01/01/2017 CY2017
CINCINNATI, OH-KY-IN 17140   KENTON 117 KY $275,665 $352,950 $426,625 $530,150 $214,000 01/01/2017 CY2017
NON-METRO 99999   KNOTT 119 KY $275,665 $352,950 $426,625 $530,150 $39,000 01/01/2017 CY2017
LONDON, KY 30940   KNOX 121 KY $275,665 $352,950 $426,625 $530,150 $98,000 01/01/2017 CY2017
ELIZABETHTOWN-FORT KNOX, KY 21060   LARUE 123 KY $275,665 $352,950 $426,625 $530,150 $130,000 01/01/2017 CY2017
LONDON, KY 30940   LAUREL 125 KY $275,665 $352,950 $426,625 $530,150 $98,000 01/01/2017 CY2017
NON-METRO 99999   LAWRENCE 127 KY $275,665 $352,950 $426,625 $530,150 $89,000 01/01/2017 CY2017
NON-METRO 99999   LEE 129 KY $275,665 $352,950 $426,625 $530,150 $18,000 01/01/2017 CY2017
NON-METRO 99999   LESLIE 131 KY $275,665 $352,950 $426,625 $530,150 $49,000 01/01/2017 CY2017
NON-METRO 99999   LETCHER 133 KY $275,665 $352,950 $426,625 $530,150 $21,000 01/01/2017 CY2017
NON-METRO 99999   LEWIS 135 KY $275,665 $352,950 $426,625 $530,150 $42,000 11/29/2016 CY2017
DANVILLE, KY 19220   LINCOLN 137 KY $275,665 $352,950 $426,625 $530,150 $145,000 01/01/2017 CY2017
PADUCAH, KY-IL 37140   LIVINGSTON 139 KY $275,665 $352,950 $426,625 $530,150 $122,000 01/01/2017 CY2017
NON-METRO 99999   LOGAN 141 KY $275,665 $352,950 $426,625 $530,150 $96,000 01/01/2017 CY2017
NON-METRO 99999   LYON 143 KY $275,665 $352,950 $426,625 $530,150 $103,000 01/01/2017 CY2017
RICHMOND-BEREA, KY 40080   MADISON 151 KY $275,665 $352,950 $426,625 $530,150 $140,000 01/01/2017 CY2017
NON-METRO 99999   MAGOFFIN 153 KY $275,665 $352,950 $426,625 $530,150 $39,000 01/01/2017 CY2017
NON-METRO 99999   MARION 155 KY $275,665 $352,950 $426,625 $530,150 $80,000 01/01/2017 CY2017
NON-METRO 99999   MARSHALL 157 KY $275,665 $352,950 $426,625 $530,150 $108,000 01/01/2017 CY2017
NON-METRO 99999   MARTIN 159 KY $275,665 $352,950 $426,625 $530,150 $83,000 01/01/2017 CY2017
MAYSVILLE, KY 32500   MASON 161 KY $275,665 $352,950 $426,625 $530,150 $67,000 01/01/2017 CY2017
PADUCAH, KY-IL 37140   MCCRACKEN 145 KY $275,665 $352,950 $426,625 $530,150 $122,000 01/01/2017 CY2017
NON-METRO 99999   MCCREARY 147 KY $275,665 $352,950 $426,625 $530,150 $67,000 01/01/2017 CY2017
OWENSBORO, KY 36980   MCLEAN 149 KY $275,665 $352,950 $426,625 $530,150 $112,000 01/01/2017 CY2017
ELIZABETHTOWN-FORT KNOX, KY 21060   MEADE 163 KY $275,665 $352,950 $426,625 $530,150 $130,000 01/01/2017 CY2017
MOUNT STERLING, KY 34460   MENIFEE 165 KY $275,665 $352,950 $426,625 $530,150 $102,000 01/01/2017 CY2017
NON-METRO 99999   MERCER 167 KY $275,665 $352,950 $426,625 $530,150 $98,000 01/01/2017 CY2017
GLASGOW, KY 23980   METCALFE 169 KY $275,665 $352,950 $426,625 $530,150 $79,000 01/01/2017 CY2017
NON-METRO 99999   MONROE 171 KY $275,665 $352,950 $426,625 $530,150 $76,000 01/01/2017 CY2017
MOUNT STERLING, KY 34460   MONTGOMERY 173 KY $275,665 $352,950 $426,625 $530,150 $102,000 01/01/2017 CY2017
NON-METRO 99999   MORGAN 175 KY $275,665 $352,950 $426,625 $530,150 $18,000 01/01/2017 CY2017
NON-METRO 99999   MUHLENBERG 177 KY $275,665 $352,950 $426,625 $530,150 $68,000 11/29/2016 CY2017
BARDSTOWN, KY 12680   NELSON 179 KY $275,665 $352,950 $426,625 $530,150 $125,000 11/29/2016 CY2017
NON-METRO 99999   NICHOLAS 181 KY $275,665 $352,950 $426,625 $530,150 $88,000 01/01/2017 CY2017
NON-METRO 99999   OHIO 183 KY $275,665 $352,950 $426,625 $530,150 $86,000 01/01/2017 CY2017
LOUISVILLE/JEFFERSON , KY-IN 31140   OLDHAM 185 KY $299,000 $382,750 $462,650 $575,000 $260,000 01/01/2017 CY2017
NON-METRO 99999   OWEN 187 KY $275,665 $352,950 $426,625 $530,150 $79,000 01/01/2017 CY2017
NON-METRO 99999   OWSLEY 189 KY $275,665 $352,950 $426,625 $530,150 $82,000 01/01/2017 CY2017
CINCINNATI, OH-KY-IN 17140   PENDLETON 191 KY $275,665 $352,950 $426,625 $530,150 $214,000 01/01/2017 CY2017
NON-METRO 99999   PERRY 193 KY $275,665 $352,950 $426,625 $530,150 $73,000 01/01/2017 CY2017
NON-METRO 99999   PIKE 195 KY $275,665 $352,950 $426,625 $530,150 $92,000 01/01/2017 CY2017
NON-METRO 99999   POWELL 197 KY $275,665 $352,950 $426,625 $530,150 $49,000 01/01/2017 CY2017
SOMERSET, KY 43700   PULASKI 199 KY $275,665 $352,950 $426,625 $530,150 $65,000 01/01/2017 CY2017

 

MSA Name MSA Code Division County Name County
Code
State One-Family Two-Family Three-Family Four-Family Median Sale Price Last Revised Limit Year
NON-METRO 99999   ROBERTSON 201 KY $275,665 $352,950 $426,625 $530,150 $95,000 01/01/2017 CY2017
RICHMOND-BEREA, KY 40080   ROCKCASTLE 203 KY $275,665 $352,950 $426,625 $530,150 $140,000 01/01/2017 CY2017
NON-METRO 99999   ROWAN 205 KY $275,665 $352,950 $426,625 $530,150 $105,000 01/01/2017 CY2017
NON-METRO 99999   RUSSELL 207 KY $275,665 $352,950 $426,625 $530,150 $63,000 01/01/2017 CY2017
LEXINGTON-FAYETTE, KY 30460   SCOTT 209 KY $275,665 $352,950 $426,625 $530,150 $171,000 01/01/2017 CY2017
LOUISVILLE/JEFFERSON , KY-IN 31140   SHELBY 211 KY $299,000 $382,750 $462,650 $575,000 $260,000 01/01/2017 CY2017
NON-METRO 99999   SIMPSON 213 KY $275,665 $352,950 $426,625 $530,150 $82,000 01/01/2017 CY2017
LOUISVILLE/JEFFERSON , KY-IN 31140   SPENCER 215 KY $299,000 $382,750 $462,650 $575,000 $260,000 01/01/2017 CY2017
CAMPBELLSVILLE, KY 15820   TAYLOR 217 KY $275,665 $352,950 $426,625 $530,150 $90,000 01/01/2017 CY2017
NON-METRO 99999   TODD 219 KY $275,665 $352,950 $426,625 $530,150 $64,000 01/01/2017 CY2017
CLARKSVILLE, TN-KY 17300   TRIGG 221 KY $275,665 $352,950 $426,625 $530,150 $158,000 01/01/2017 CY2017
LOUISVILLE/JEFFERSON , KY-IN 31140   TRIMBLE 223 KY $299,000 $382,750 $462,650 $575,000 $260,000 01/01/2017 CY2017
NON-METRO 99999   UNION 225 KY $275,665 $352,950 $426,625 $530,150 $43,000 01/01/2017 CY2017
BOWLING GREEN, KY 14540   WARREN 227 KY $275,665 $352,950 $426,625 $530,150 $150,000 01/01/2017 CY2017
NON-METRO 99999   WASHINGTON 229 KY $275,665 $352,950 $426,625 $530,150 $127,000 01/01/2017 CY2017
NON-METRO 99999   WAYNE 231 KY $275,665 $352,950 $426,625 $530,150 $60,000 01/01/2017 CY2017
NON-METRO 99999   WEBSTER 233 KY $275,665 $352,950 $426,625 $530,150 $46,000 11/29/2016 CY2017
LONDON, KY 30940   WHITLEY 235 KY $275,665 $352,950 $426,625 $530,150 $98,000 01/01/2017 CY2017
NON-METRO 99999   WOLFE 237 KY $275,665 $352,950 $426,625 $530,150 $63,000 01/01/2017 CY2017
LEXINGTON-FAYETTE, KY 30460   WOODFORD 239 KY $275,665 $352,950 $426,625 $530,150 $171,000 01/01/2017 CY2017

Kentucky FHA Appraisal Requirements For A Mortgage Loan Approval.

Kentucky FHA Appraisal Requirements For A Mortgage Loan Approval.

  • Ordered through a third party source. Interested/vested parties may not initiate the appraisal. I.E> buyers, sellers, realtors, loan officer, family members
  • Property must meet HUD’s minimum property standards. i.e.: permanent heat source, utilities must be on and in working order at time of inspection
  • Flips < 90 days – not allowed Per HUD -If current owner owned less than 90 days FHA will not insure. Sometimes a second appraisal will be required by FHA investor if sold within the last 6 months for a large profit. Receipts of work done may be needed to substantiate  increase in value of home in short-time period.
  • Transferred appraisal – ok
  • Appraisal valid 120 days – 30 day extension possible*
  • Property eligibility – No location restrictions.
  • New Construction Available

23444444

 

Joel Lobb
Senior  Loan Officer
(NMLS#57916)
 
 Fax:     (502) 327-9119
 
 

Pre-Qual-Button-v2

 

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, 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.

 

What are the 2014 Kentucky FHA Guidelines for credit scores, down payments, cash out, and mortgage insurance requirements for a FHA Mortgage loan?

Kentucky FHA Program guidelines have been updated as follows:

For a Kentucky FHA Purchase Loan, we can go down to a 600 credit score with the minimum down payment of 3.5%.  No bankruptcies or foreclosures in the last 2 years.

If you are getting cash out, then the max loan to value or equity position is limited to 85% of the homes value. For example, if you had a home that was valued at $100,000, then the max loan for a FHA Cash Out in Kentucky would be $85,000.00. You still have to may mortgage insurance for life of loan so think carefully about using FHA for a cashout refinance.

The maximum debt to income ratios will be set by the AUS when we run it, but for a refer, it will be limited to 31% and 43% respectively. For example, if you make $3000 a month gross income, the max house payment would be $930.00 piti, and the maximum monthly payments including the new house payment would be $1290.00. So in the above example, the most you could have left in monthly bills listed on the credit report would be $360.00–If you had child support this would count in the dti calculation on the backend ratio of 43%

The seller can pay up to 6% of the buyer’s closing costs and prepaids (property taxes, home insurance for 1st years escrows) of the sales price. So, if you purchased a home for $100,000.00, the seller could give you a concession at closing to pay your closing costs and prepaids. A lot of Kentucky First Time homebuyers use this to limit their cash to close.

The minimum down payment of 3.5% for Kentucky FHA Loans can come from a family member in the form of a gift, or can be borrowed from a 401k, retirement account, or secured asset like a car.

• Seller must own the property a minimum of 90 days prior to the contract date.

FHA loans do not require a termite or home inspection, but they do require a HUD appraisal by a FHA approved Appraiser.

The following changes are effective for all Kentucky  FHA case numbers assigned on or after June 3, 2013: FHA is changing the duration for the collection of MIP
o For all mortgages with an original principal LTV of 90% or less, regardless of loan term, the annual MIP will be assessed for 11 years.
o For all mortgages with an original principal LTV greater than 90%, regardless of loan term, the annual MIP will be assessed for the entire life of the loan.

Loans of 15 year terms or less with LTV 78% or less will pay an MIP amount of 45 bps.

FHA Streamlines Prior to June 2009
FHA Streamlines with case numbers dated June 11, 2012 or later will have new MIP rules applied. If the loan being refinanced was endorsed on or before May 31, 2009, the new Streamline will receive a flat annual MIP of 55 basis points, regardless of loan amount, and the UFMIP ratio will decrease to 0.01% of the base loan amount.

 

 

2014 Kentucky FHA Loan Guidelines for Credit, Down payment, income,

Senior Loan Officer
(NMLS#57916)

American Mortgage Solutions, Inc.
800 Stone Creek Pkwy, Ste 7,
Louisville, KY 40223

phone: (502) 905-3708
Fax: (502) 327-9119
kentuckyloan@gmail.com

Company ID #1364 | MB73346
http://mylouisvillekentuckymortgage.com/

 

FHA loans are secured through the FHA, or Federal Housing Administration
FHA loans are secured through the FHA, or Federal Housing Administration

Kentucky HUD Homes for Sale with the FHA $100 Down Program

HUD HOMES SALES INCENTIVES

For a limited time, FHA offers sales incentives on HUD homes that will make these homes more affordable for home buyers when purchasing a property using FHA-insured financing. The incentives VARY from State to State but may include: low down payments; sales allowances that can be used to pay closing costs, make repairs, or pay down the mortgage amount; broker bonuses for owner-occupant sales. The benefits of FHA financing are low down payments; competitive interest rates; flexible credit qualifying. To find a HUD-Approved Lender, and for the latest sales incentives in your areas, visit HUDhomestore.com. The program incentives are subject to change without prior notice.

Sales Incentives

(subject to change without prior notice)

Participating States

$100 Down Payment! Available to Owner Occupant Homebuyers when purchasing a property using FHA-insured financing.

Illinois, Indiana, Kentucky, Tennessee, S. Carolina,N. Carolina, Georgia, Mississippi, Alabama, Florida, Puerto Rico, Virgin Islands

Good Neighborhood Next Door (GNND)
For Law enforcement officers, pre-Kindergarten through 12th grade teachers and firefighters/emergency medical technicians. HUD offers a substantial incentive in the form of a discount of 50% from the list price of the home. In return you must commit to live in the property for 36 months as your sole residence. When a law enforcement officer, teacher, firefighter, or emergency medical technician chooses to use an FHA- insured mortgage, the down payment is $100. Eligible Single Family homes located in revitalization areas are listed exclusively for sales through the Good Neighbor Next Door Sales program. GNND buyers can bid in lottery, exclusive, and extended phases, but can bid exclusively on insured single unit homes in revitalization areas in the lottery phase. GNND buyers are given preference over government agencies and nonprofits in the selection of a bid-winner in the lottery phase. Search for available properties at www.hudhomestore.com, enter State and Buyer Type: Good Neighbor Next Door. View Q & As

$1 Homes
Sales For Local Governments
HUD’s Dollar Homes initiative helps local governments to foster housing opportunities for low to moderate income families and address specific community needs by offering them the opportunity to purchase qualified HUD-owned homes for $1 each. Please read HUD’s most recent notice on H2011-16 for more information. Search for available properties at HUDhomestore.com, enter State and Buyer Type is Government Agency.

Nonprofit Organizations
Eligible nonprofit organizations, can bid on homes in lottery, exclusive, and extended phases provided they are in approved purchase areas. If the property is in the lottery phase, the home must be uninsured. Nonprofits rank below Government Agencies in the bid selection process for the lottery, but above them for exclusive and extended listings. Nonprofits cannot bid for dollar homes. Nonprofit organizations that want to obtain HUD approval to participate as a FHA mortgagor, purchase HUD homes at a discount, or administer a Secondary Financing/ Down payment Assistance Program must submit an email directly to their local Homeownership Center (HOC), Program Support Division, indicating that your organization would like to apply for approval to participate in FHA Nonprofit activities. Search for available properties at www.hudhomestore.com, enter State and Buyer Type: Nonprofit.

FHA’s “First Look” Sales Program Neighborhood Stabilization Program
For Governmental Entities, Nonprofit Organizations, and Sub-recipients that have received a HUD-issued Name and Address Identification Number (NAID) are eligible to participate in the First Look Sales Method. The National First Look Program is a first-ever public-private partnership agreement between HUD and the National Community Stabilization Trust (Stabilization Trust). In collaboration with national servicers, Fannie Mae, and Freddie Mac, the First Look program is intended to give communities participating in HUD’s Neighborhood Stabilization Program (NSP)a brief exclusive opportunity to purchase bank-owned properties in certain neighborhoods so these homes can either be rehabilitated, rented, resold or demolished.Information will be available here soon.

Please use the following link https://hudnsphelp.info/index.cfm?do=viewFHAfirstLook for information about this program.

Search Results for HUD Homes in KY

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339 listings found
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Property Case Address Price Status Bed Bath Listing Period Bid Open Date Details 
201-205484 100 S 42nd St
Louisville, KY, 40212
Jefferson County
$14,000 2 1.00 Exclusive  07/27/2013 View Street
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201-225941 3113 Park Side Court
Louisville, KY, 40214
Jefferson County
$31,500 2 1.10 Extended  07/27/2013 View Street
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201-274256 109 Maple St
Taylorsville, KY, 40071
Spencer County
$60,000 2 1.00 Exclusive  08/03/2013 View Street
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201-274858 10517 Charleswood Rd
Louisville, KY, 40229
Jefferson County
$114,900 3 2.00 Exclusive  07/28/2013 View Street
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201-287533 1041 Jd Circle
Berea, KY, 40403
Madison County
$110,000 3 2.10 Exclusive  07/30/2013 View Street
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201-289145 319 Lee Street
Ashland, KY, 41102
Boyd County
$49,900 2 2.00 Extended  07/27/2013 View Street
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201-289395 4326 Cobblewood Ct
Independence, KY, 41051
Kenton County
$35,000 3 1.10 Extended  07/27/2013 View Street
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201-290102 4802 Palma Rd
Louisville, KY, 40272
Jefferson County
$39,900 3 1.00 Extended  07/27/2013 View Street
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201-298983 129 Old Pitts Point Rd
Shepherdsville, KY, 40165
Bullitt County
$40,000 3 1.00 Exclusive  07/31/2013 View Street
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201-302603 1543 Heron Dr
Lexington, KY, 40503
Fayette County
$100,000 3 1.00 Exclusive  08/03/2013 View Street
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Search Results for HUD Homes in KY

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339 listings found
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Property Case Address Price Status Bed Bath Listing Period Bid Open Date Details 
201-354430 210 Marytena Dr
Louisville, KY, 40214
Jefferson County
$82,000 2 1.00 Exclusive  07/30/2013 View Street
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201-382277 309 Poole Mill Road
Sebree, KY, 42455
Webster County
$82,000 3 2.00 Extended  07/27/2013 View Street
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201-374426 52 Country Lane
Prestonsburg, KY, 41653
Floyd County
$81,900 3 2.00 Extended  07/27/2013 View Street
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201-370038 754 Cantering Hills Way
Walton, KY, 41094
Boone County
$80,100 2 1.00 Extended  07/27/2013 View Street
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201-486909 1318 Kentucky Dr
Elizabethtown, KY, 42701
Hardin County
$80,000 3 1.00 Extended  07/27/2013 View Street
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201-382847 148 Haley Avenue
Shepherdsville, KY, 40165
Bullitt County
$80,000 3 1.10 Exclusive  07/27/2013 View Street
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201-363266 546 E Walnut Street
Danville, KY, 40422
Boyle County
$80,000 3 2.10 Extended  07/27/2013 View Street
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201-367674 139 Deluca Dr
Science Hill, KY, 42553
Pulaski County
$79,000 3 2.00 Exclusive  07/27/2013 View Street
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201-384619 972 Hill Rd
Paris, KY, 40361
Bourbon County
$78,900 3 1.00 Exclusive  07/29/2013 View Street
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201-366868 225 Joy Ave
Mt Washington, KY, 40047
Bullitt County
$78,900 3 1.00 Exclusive  08/03/2013 View Street
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201-363051 2013 Harris Way
Russell, KY, 41169
Greenup County
$78,300 3 1.10 Extended  07/27/2013 View Street
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201-438838 936 Morehead Rd
Bowling Green, KY, 42101
Warren County
$78,300 3 1.00 Extended  07/27/2013 View Street
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201-359829 6924 Colrain Cir
Louisville, KY, 40258
Jefferson County
$78,000 3 2.00 Exclusive  08/04/2013 View Street
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201-371828 3405 Eva Road
Louisville, KY, 40216
Jefferson County
$78,000 4 1.10 Exclusive  08/05/2013 View Street
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201-368751 545 Murphy Subdivision
Stearns, KY, 42647
Mccreary County
$77,900 2 2.00 Exclusive  07/27/2013 View Street
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201-376414 1132 Reutlinger Ave
Louisville, KY, 40204
Jefferson County
$76,500 1 1.00 Extended  07/27/2013 View Street
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201-363065 238 Dogwood Run
Shepherdsville, KY, 40165
Bullitt County
$76,000 3 2.00 Exclusive  07/27/2013 View Street
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201-389362 29 Ky Route 1596
Boons Camp, KY, 41204
Johnson County
$75,200 3 3.00 Extended  07/27/2013 View Street
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201-370849 115 Guess Subdivision Lane
Prestonsburg, KY, 41653
Floyd County
$75,050 3 2.00 Exclusive  07/27/2013 View Street
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201-399426 2108 S Shelby Stree
Louisville, KY, 40217
Jefferson County
$75,000 3 1.00 Extended  07/27/2013 View Street
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Search Results for HUD Homes in KY

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339 listings found
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Property Case Address Price Status Bed Bath Listing Period Bid Open Date Details 
201-305305 416 Kilmory Avenue
Louisville, KY, 40214
Jefferson County
$60,000 3 1.00 Exclusive  07/27/2013 View Street
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201-306787 5135 Cold Springs Rd
West Paducah, KY, 42086
Mccracken County
$20,000 3 2.00 Lottery  07/27/2013 View Street
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201-308256 807 Inverness Ave
Louisville, KY, 40214
Jefferson County
$39,000 2 1.00 Exclusive  07/27/2013 View Street
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201-311780 148 Eighth St
South Shore, KY, 41175
Greenup County
$56,500 3 1.00 Lottery  07/31/2013 View Street
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201-317819 111 Shauna Dr
Leitchfield, KY, 42754
Grayson County
$59,000 2 1.00 Extended  07/27/2013 View Street
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201-318276 5410 Matterhorn Dr
Louisville, KY, 40216
Jefferson County
$83,900 3 1.10 Exclusive  08/05/2013 View Street
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201-319684 74 Bon Jan Lane
Highland Heights, KY, 41076
Campbell County
$60,000 3 0.10 Exclusive  07/27/2013 View Street
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201-320029 3045 Bowen Rd
Stanford, KY, 40484
Lincoln County
$39,900 2 1.00 Exclusive  07/28/2013 View Street
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201-320884 1132 Lillian Avenue
Louisville, KY, 40208
Jefferson County
$36,000 2 1.00 Exclusive  07/27/2013 View Street
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201-321742 117 Academy Lane
Radcliff, KY, 40160
Hardin County
$49,000 3 1.00 Extended  07/27/2013 View Street
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Search Results for HUD Homes in KY

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339 listings found
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Property Case Address Price Status Bed Bath Listing Period Bid Open Date Details 
201-350437 4701 Marcy Ave
Louisville, KY, 40272
Jefferson County
$50,900 3 1.00 Extended  07/27/2013 View Street
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201-351391 245 Shadowlawn Ct
Glasgow, KY, 42141
Barren County
$54,000 3 2.00 Extended  07/27/2013 View Street
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201-351434 152 Riley St
Stamping Ground, KY, 40379
Scott County
$57,000 3 1.00 Exclusive  07/31/2013 View Street
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201-351592 265 Shepherd Lane
Manitou, KY, 42436
Hopkins County
$17,500 3 2.00 Extended  07/27/2013 View Street
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201-351620 112 Santa Barbara
Georgetown, KY, 40324
Scott County
$115,000 4 2.10 Lottery  08/01/2013 View Street
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201-351686 1881 Marietta Dr
Lexington, KY, 40505
Fayette County
$70,000 3 1.00 Exclusive  07/27/2013 View Street
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201-352724 1059 Summit Dr
Louisville, KY, 40229
Bullitt County
$89,900 3 1.00 Exclusive  07/28/2013 View Street
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201-352802 3220 Grant Ave
Louisville, KY, 40214
Jefferson County
$70,000 4 2.00 Lottery  07/31/2013 View Street
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201-353614 8516 Shirley Lane
Louisville, KY, 40258
Jefferson County
$50,000 3 1.10 Exclusive  08/03/2013 View Street
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201-353818 1422 Berry Boulevard
Louisville, KY, 40215
Jefferson County
$68,000 4 4.00 Exclusive  07/28/2013 View Street
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Search Results for HUD Homes in KY

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339 listings found
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Property Case Address Price Status Bed Bath Listing Period Bid Open Date Details 
201-366047 7030 Shanty Creek Drive
Louisville, KY, 40228
Jefferson County
$68,000 2 2.00 Exclusive  08/05/2013 View Street
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201-366166 327 Brooks Rd.
Richmond, KY, 40475
Madison County
$70,000 4 1.00 Extended  07/27/2013 View Street
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201-366868 225 Joy Ave
Mt Washington, KY, 40047
Bullitt County
$78,900 3 1.00 Exclusive  08/03/2013 View Street
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201-366876 139 Santa Barbara
Georgetown, KY, 40324
Scott County
$128,900 3 2.00 Exclusive  07/27/2013 View Street
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201-366968 3408 Burrell Dr
Louisville, KY, 40216
Jefferson County
$60,000 3 1.00 Exclusive  07/31/2013 View Street
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201-367080 13703 Bohannon Ave
Louisville, KY, 40272
Jefferson County
$39,000 3 1.00 Lottery  08/01/2013 View Street
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201-367354 3010 Ky Highway 562
Warsaw, KY, 41095
Gallatin County
$70,000 3 2.00 Exclusive  07/27/2013 View Street
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201-367459 505 Wallace Avenue
Covington, KY, 41014
Kenton County
$55,000 6 2.00 Extended  07/27/2013 View Street
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201-367561 5870 Spencer Pike
Mount Sterling, KY, 40353
Montgomery County
$25,000 2 1.00 Extended  07/27/2013 View Street
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201-367637 359 Shadowwood Dr
Grayson, KY, 41143
Carter County
$33,600 3 2.00 Extended  07/27/2013 View Street
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Property Case Address Price Status Bed Bath Listing Period Bid Open Date Details 
201-346814 92 Mitchell Dr
Vine Grove, KY, 40175
Hardin County
$55,900 3 1.00 Exclusive  07/27/2013 View Street
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201-424031 4113 Whittier Dr
Owensboro, KY, 42303
Daviess County
$55,900 4 1.10 Exclusive  07/28/2013 View Street
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201-375639 5206 Beechwood Dr
Somerset, KY, 42501
Pulaski County
$55,000 3 1.00 Extended  07/27/2013 View Street
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201-387740 2170 Us Highway 431 S
Beechmont, KY, 42323
Muhlenberg County
$55,000 3 1.00 Extended  07/27/2013 View Street
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201-338236 4803 Raven Rd
Louisville, KY, 40213
Jefferson County
$55,000 3 1.00 Exclusive  07/27/2013 View Street
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201-405365 914 Pine St
Benton, KY, 42025
Marshall County
$55,000 4 1.10 Exclusive  08/04/2013 View Street
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201-367459 505 Wallace Avenue
Covington, KY, 41014
Kenton County
$55,000 6 2.00 Extended  07/27/2013 View Street
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201-362348 95 Kingsbury Ln
Cynthiana, KY, 41031
Harrison County
$55,000 3 1.00 Extended  07/27/2013 View Street
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201-390451 3380 Apple Tree Ln
Erlanger, KY, 41018
Kenton County
$54,900 3 1.00 Extended  07/27/2013 View Street
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201-351391 245 Shadowlawn Ct
Glasgow, KY, 42141
Barren County
$54,000 3 2.00 Extended  07/27/2013 View Street
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201-431005 214 Wilton Avenue
Lexington, KY, 40508
Fayette County
$54,000 3 1.00 Extended  07/27/2013 View Street
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201-438025 10811 Alberta Dr
Fairdale, KY, 40118
Jefferson County
$54,000 2 2.00 Extended  07/27/2013 View Street
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201-430510 3365 Old Madisonville Rd
Henderson, KY, 42420
Henderson County
$53,500 3 2.00 Exclusive  07/27/2013 View Street
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201-358196 505 W 3rd St
Sacramento, KY, 42372
Mclean County
$53,100 4 2.00 Extended  07/27/2013 View Street
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201-363906 2950 Old Calvary Pike
Lebanon, KY, 40033
Marion County
$53,000 3 1.00 Extended  07/27/2013 View Street
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201-396006 81 Sea Shell Ln
Shelbyville, KY, 40065
Shelby County
$52,200 2 1.00 Extended  07/27/2013 View Street
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201-389608 115 5th St
Paintsville, KY, 41240
Johnson County
$52,000 3 1.10 Extended  07/27/2013 View Street
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201-469096 116 Northview Ave
Elizabethtown, KY, 42701
Hardin County
$52,000 2 1.00 Extended  07/27/2013 View Street
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201-392306 3414 Donald Dr
Louisville, KY, 40216
Jefferson County
$50,900 3 1.00 Exclusive  08/01/2013 View Street
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201-350437 4701 Marcy Ave
Louisville, KY, 40272
Jefferson County
$50,900 3 1.00 Extended  07/27/2013 View Street
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Search Results for HUD Homes in KY

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339 listings found
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Property Case Address Price Status Bed Bath Listing Period Bid Open Date Details 
201-426115 1003 Edgehill Drive
Lawrenceburg, KY, 40342
Anderson County
$193,500 2 2.00 Extended  07/27/2013 View Street
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201-338018 86 Willowbrook Dr
Fisherville, KY, 40023
Spencer County
$190,000 6 3.00 Exclusive  07/27/2013 View Street
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201-365531 11607 Deutsch Farm Road
Louisville, KY, 40229
Jefferson County
$182,000 4 2.10 Exclusive  07/29/2013 View Street
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201-434525 8028 Watterson Trail
Louisville, KY, 40291
Jefferson County
$182,000 3 2.10 Extended  07/27/2013 View Street
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201-421296 941 Andover Woods Ln
Lexington, KY, 40509
Fayette County
$167,000 3 2.10 Exclusive  08/03/2013 View Street
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201-430874 8521 Beechwood Ct
Alexandria, KY, 41001
Campbell County
$166,500 4 2.10 Extended  07/27/2013 View Street
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201-411217 208 University Dr
Walton, KY, 41094
Boone County
$165,000 4 2.10 Exclusive  08/03/2013 View Street
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201-367845 976 Wood Valley Ln
Jeffersontown, KY, 40299
Jefferson County
$164,000 3 2.00 Extended  07/27/2013 View Street
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201-419808 275 Macy Ct
Walton, KY, 41094
Boone County
$160,000 4 2.10 Exclusive  07/27/2013 View Street
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201-356402 10334 Mackay Ct
Independence, KY, 41051
Kenton County
$157,500 4 2.10 Extended  07/27/2013 View Street
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201-424630 89 Grande Cir
Somerset, KY, 42503
Pulaski County
$156,900 3 2.00 Exclusive  08/05/2013 View Street
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201-406372 7911 Apple Valley D
Louisville, KY, 40228
Jefferson County
$155,000 4 2.10 Lottery  08/01/2013 View Street
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201-364788 1820 Foxboro Rd
La Grange, KY, 40031
Oldham County
$148,900 3 2.00 Exclusive  08/04/2013 View Street
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201-392621 798 Wheaton Way
Eddyville, KY, 42038
Lyon County
$147,700 3 2.00 Extended  07/27/2013 View Street
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201-401936 2508 Wendell Ave
Louisville, KY, 40205
Jefferson County
$145,900 3 2.00 Exclusive  07/27/2013 View Street
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201-388600 125 Bluegrass Dr
Glasgow, KY, 42141
Barren County
$145,000 3 2.10 Extended  07/27/2013 View Street
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201-348783 4309 Seagrape Rd
Louisville, KY, 40299
Jefferson County
$143,500 3 2.00 Exclusive  07/28/2013 View Street
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201-460342 438 Murphy Subdivision Rd
Stearns, KY, 42647
Mccreary County
$142,000 2 2.00 Extended  07/27/2013 View Street
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201-426453 7205 York River Rd
Louisville, KY, 40214
Jefferson County
$141,900 3 2.00 Exclusive  08/05/2013 View Street
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201-323337 147 Triple Court
Vine Grove, KY, 40175
Hardin County
$138,900 3 2.00 Exclusive  07/27/2013 View Street
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Search Results for HUD Homes in KY

First | 1 | 2 | 3 | 4 | 5 | Next | Last |
339 listings found
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Property Case Address Price Status Bed Bath Listing Period Bid Open Date Details 
201-385760 1012 Tom Hackley Rd
Danville, KY, 40422
Boyle County
$136,900 3 2.00 Exclusive  07/27/2013 View Street
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201-344171 140 Covington Way
Richmond, KY, 40475
Madison County
$136,900 3 2.00 Exclusive  07/27/2013 View Street
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201-415151 1005 Stonefield Way
Bardstown, KY, 40004
Nelson County
$135,900 3 2.00 Exclusive  08/05/2013 View Street
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201-362420 2324 Cottonwood Ct
Maysville, KY, 41056
Mason County
$135,000 3 2.00 Extended  07/27/2013 View Street
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201-380868 4807 Middlesex Dr
Louisville, KY, 40245
Jefferson County
$135,000 3 2.10 Exclusive  07/27/2013 View Street
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201-418359 717 Petty Davis Ln
Scottsville, KY, 42164
Allen County
$131,220 1 1.10 Extended  07/27/2013 View Street
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201-410157 369 Helmwood Cir
Mount Washington, KY, 40047
Bullitt County
$130,000 3 2.00 Exclusive  08/01/2013 View Street
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201-445368 1085 Brandy Ln
Richmond, KY, 40475
Madison County
$130,000 3 2.00 Extended  07/27/2013 View Street
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201-421016 6315 Tioga Rd
Louisville, KY, 40214
Jefferson County
$129,900 3 2.00 Exclusive  07/27/2013 View Street
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201-411981 333 Tex Ave
Fairdale, KY, 40118
Jefferson County
$128,900 3 2.00 Exclusive  07/29/2013 View Street
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201-366876 139 Santa Barbara
Georgetown, KY, 40324
Scott County
$128,900 3 2.00 Exclusive  07/27/2013 View Street
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201-375728 40 Belmont Dr
Shepherdsville, KY, 40165
Bullitt County
$126,000 4 3.00 Extended  07/27/2013 View Street
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201-387281 9810 River Trail Dr
Louisville, KY, 40229
Jefferson County
$125,000 3 2.10 Exclusive  07/27/2013 View Street
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201-355224 10542 Clayton Allen Blvd
Louisville, KY, 40229
Jefferson County
$125,000 2 2.10 Extended  07/27/2013 View Street
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201-398934 57 Springhill Ln
Bedford, KY, 40006
Trimble County
$123,000 3 2.10 Exclusive  07/30/2013 View Street
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201-415384 306 Skyline Park Dr
Hopkinsville, KY, 42240
Christian County
$119,900 3 1.10 Exclusive  07/27/2013 View Street
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201-365853 6805 Jumper Ct
Louisville, KY, 40291
Jefferson County
$119,000 3 1.00 Exclusive  07/27/2013 View Street
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201-350079 424 Paddock Ct
Henderson, KY, 42420
Henderson County
$118,000 3 2.00 Exclusive  07/27/2013 View Street
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201-433276 121 Moore St
Hazard, KY, 41701
Perry County
$118,000 2 2.00 Exclusive  07/27/2013 View Street
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201-407565 1440 Afton Drive
Florence, KY, 41042
Boone County
$115,000 2 1.00 Exclusive  07/27/2013 View Street
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