Getting a FHA Loan Approved with the new Guidelines for Student Loans in Kentucky for 2018

2018 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 2018

Benefits and Drawbacks for an FHA Borrower

Kentucky HUD $100 Down FHA Program for 2018

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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.

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  • Gift Rules for Down-Payment Sources Guidelines on FHA Mortgage Programs

    One of the biggest obstacles to buying a home for Americans is the down payment. There was a time when you needed a 20% down payment and a high credit score to buy a home. But in 2018, you can buy a home with average to below average credit and a low down payment in some cases. One of the most popular loan programs for these buyers if the FHA loan. A major advantage of the FHA mortgage loan is you can get approved with only a 3.5% down payment with a 580 or higher credit score. If you have a lower score than that, you need a 10% down payment.

    Still, there are situations where the borrower is having trouble coming up with the down payment for the loan. What to do then? FHA guidelines do allow other options. Keep reading to learn more.

    More on FHA Down Payments and Approved Sources

    As we note above, you are required to have at least a 3.5% down payment to be approved for an FHA loan. The money must be verified by the FHA-approved lender to come from an ‘approved source.’ What is an approved source, anyway? Most people get their down payment from cash reserves, investments, borrow from 401k or IRA, etc. The idea behind verifying where the money came from is to make sure the borrower did not get the down payment from a credit card or payday loan, etc.

    But there are other options for your down payment. The funds also can come from a gift. The gift and the giver do need to meet FHA requirements, but this flexible guideline makes it possible to get into an FHA loan with, technically, zero money down. To determine if the down payment gift can be used or not, it is necessary to check HUD rules. According to HUD 41.55.1 Chapter 5 Section B, for the funds to be a gift, there cannot be any expected repayment of the money.

    Also, FHA will scrutinize the giver of the gift. Chapter 5 of the HUD Code states the cash gift is ok if it comes from your relative; employer or labor union; close friend with a defined interest in you; charitable organization; government agency or public entity.

    FHA also states who cannot give gift funds to you for the down payment. These are the seller; the real estate agent or broker on the deal; the builder or an associated entity.

    Gift Terms Explained

    The gift for your down payment cannot be made based upon paying it back later. You are required to get a gift letter from the person or organization. The letter should state that you are not required to pay the money back. It also should provide the contact information for the borrower, such as name, address, and phone number. Also included should be the bank account from which the funds will be sent.

    The gift donor should be OK with giving a bank statement with the letter. Also, he or she should ensure that the transfer amount matches what is in the gift letter and what is deposited into your account.

    FHA rules are very specific on these areas to ensure that the home buying process through FHA is fair and just. But as long as you follow the FHA rules, you should be able to get help with your down payment from a friend or relative.

    Don’t Have Friends or Family Who Can Help?

    Not every borrower has friends or family who can give them a gift for their down payment. But HUD lists many government programs spread throughout the country in most states that can offer down payment and closing cost help for certain borrowers.

    It also is worth checking if your employer and state have employer assisted housing. This program can help people with moderate incomes to get a loan to cover closing costs and down payment. Look up EAH in your state on Google to see what is available.

    Experts say that down payment help is available for nearly 90% of homes in the US. There is a good chance that you can get help on your down payment through one of these organizations. References: https://www.fha.com/fha_article?id=441

  • Benefits and Drawbacks for an FHA Borrower
  • Call or Text me at 502-905-3708 with your mortgage questions.
    Email Kentuckyloan@gmail.com



    Image result for gift funds fha infographic

    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 2018 Mortgage Loan Approvals?

 

Getting a FHA loan in Kentucky in 2018 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 2018 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.

 

home-loan-with-low-credit-scores-150x128

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.

 

What credit score do you need to qualify for a mortgage?

The first thing to keep in mind is that qualifying for a mortgage involves a lot more than just a credit score. While your FICO score is a very important ingredient, it is just one factor. Lenders also look at your income and level of debt, among other things.

As a rule of thumb, however, a credit score below 620 will make buying a home very difficult. A FICO score below 620 is considered sub-prime. In the past there were mortgage companies that specialized in sub-prime mortgages. Because of the challenges in the credit market over the last year or so, however, sub-prime loans have become difficult if not impossible to obtain.

A FICO score between 600 and 640  is considered fair to good credit. But keep in mind, this range of credit scores does not guarantee you will qualify for a mortgage, and if you do qualify, it won’t get you the lowest interest rate possible. Still, to buy a home aim for a score of at least 620, recognizing that other factors weigh in the decision and that some banks may require a higher score.

What credit score do you need to get a low rate mortgage?

It use to be that a score of about 720 would yield the lowest mortgage rates available. Today, the best rates kick in with a FICO score of 760. And interest rates go up significantly as your credit score drops. To give you an idea, the following table shows current rates by credit score and calculates a monthly principal and interest payment based on a $300,000 loan:

lenders will pull what they call a “tri-merge” credit report which will show three different fico scores from Transunion, Equifax, and Experian. The lenders will throw out the high and low score and take the “middle score.” For example, if you had a 614, 610, and 629 score from the three main credit bureaus, your qualifying score would be 614.
So if you only have one score, you may not qualify. Lenders will have to pull their own credit report and scores so if you had it ran somewhere else or saw it on a website or credit card you may own, it will not matter to the lender, because they have to use their own credit report and scores.
Lastly, lenders will pull your credit report for free nowadays so this should not be a big deal as long as your scores are high enough.
offered by FHA, VA, USDA, Fannie Mae, and KHC all have their minimum fico score requirements and lenders will create overlays in addition to what the Government agencies will accept, so even if on paper FHA says they will go down to 580 or 500 in some cases on fico scores, very few lenders will go below the 620 threshold.
If you have low fico scores it may make sense to check around with different lenders to see what their minimum fico scores are for loans.
The lenders I currently deal with have the following fico cutoffs for credit scores:
As you can see, 580 is the minimum score with most lenders for a FHA, VA, or Fannie Mae loan, and 640 is required for the no down payment programs offered by USDA and KHC in Kentucky for First Time Home Buyers wanting to go no money down.

A Complete Guide to Closing Costs

Joel Lobb
Senior  Loan Officer
(NMLS#57916)
 Company ID #1364 | MB73346

 unnamed (2) (1)

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). USDA Mortgage loans only offered in Kentucky.

All loans and lines are subject to credit approval, verification, and collateral evaluation

 

 

 

 

 

 

 

 

 

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.


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Kentucky FHA Loan Limits for 2018

Kentucky FHA Loan Limits for 2018
FHA has announced new loan limits for 2018. For all FHA loans with Case Numbers assigned on or after January 1st, the following will be effective
 these values are updated to coincide with the new FNMA loan limit floor values.

FHA Limits for 2018

Lending Limits for FHA Loans in KENTUCKY Counties

FHA mortgage lending limits in KENTUCKY vary based on a variety of housing types and the cost of local housing. FHA loans are designed for borrowers who are unable to make large down payments.

120 match(es) found.
ADAIR County
NON-METRO
Single Duplex Tri-plex Four-plex
$294,515 $377,075 $455,800 $566,425
ALLEN County
BOWLING GREEN, KY
Single Duplex Tri-plex Four-plex
$294,515 $377,075 $455,800 $566,425
ANDERSON County
FRANKFORT, KY
Single Duplex Tri-plex Four-plex
$294,515 $377,075 $455,800 $566,425
BALLARD County
PADUCAH, KY-IL
Single Duplex Tri-plex Four-plex
$294,515 $377,075 $455,800 $566,425
BARREN County
GLASGOW, KY
Single Duplex Tri-plex Four-plex
$294,515 $377,075 $455,800 $566,425
BATH County
MOUNT STERLING, KY
Single Duplex Tri-plex Four-plex
$294,515 $377,075 $455,800 $566,425
BELL County
MIDDLESBOROUGH, KY
Single Duplex Tri-plex Four-plex
$294,515 $377,075 $455,800 $566,425
BOONE County
CINCINNATI, OH-KY-IN
Single Duplex Tri-plex Four-plex
$294,515 $377,075 $455,800 $566,425
BOURBON County
LEXINGTON-FAYETTE, KY
Single Duplex Tri-plex Four-plex
$294,515 $377,075 $455,800 $566,425
BOYD County
HUNTINGTON-ASHLAND, WV-KY-OH
Single Duplex Tri-plex Four-plex
$294,515 $377,075 $455,800 $566,425
BOYLE County
DANVILLE, KY
Single Duplex Tri-plex Four-plex
$294,515 $377,075 $455,800 $566,425
BRACKEN County
CINCINNATI, OH-KY-IN
Single Duplex Tri-plex Four-plex
$294,515 $377,075 $455,800 $566,425
BREATHITT County
NON-METRO
Single Duplex Tri-plex Four-plex
$294,515 $377,075 $455,800 $566,425
BRECKINRIDGE County
NON-METRO
Single Duplex Tri-plex Four-plex
$294,515 $377,075 $455,800 $566,425
BULLITT County
LOUISVILLE/JEFFERSON COUNTY, KY-IN
Single Duplex Tri-plex Four-plex
$304,750 $390,100 $471,550 $586,050
BUTLER County
BOWLING GREEN, KY
Single Duplex Tri-plex Four-plex
$294,515 $377,075 $455,800 $566,425
CALDWELL County
NON-METRO
Single Duplex Tri-plex Four-plex
$294,515 $377,075 $455,800 $566,425
CALLOWAY County
MURRAY, KY
Single Duplex Tri-plex Four-plex
$294,515 $377,075 $455,800 $566,425
CAMPBELL County
CINCINNATI, OH-KY-IN
Single Duplex Tri-plex Four-plex
$294,515 $377,075 $455,800 $566,425
CARLISLE County
NON-METRO
Single Duplex Tri-plex Four-plex
$294,515 $377,075 $455,800 $566,425
CARROLL County
NON-METRO
Single Duplex Tri-plex Four-plex
$294,515 $377,075 $455,800 $566,425
CARTER County
NON-METRO
Single Duplex Tri-plex Four-plex
$294,515 $377,075 $455,800 $566,425
CASEY County
NON-METRO
Single Duplex Tri-plex Four-plex
$294,515 $377,075 $455,800 $566,425
CHRISTIAN County
CLARKSVILLE, TN-KY
Single Duplex Tri-plex Four-plex
$294,515 $377,075 $455,800 $566,425
CLARK County
LEXINGTON-FAYETTE, KY
Single Duplex Tri-plex Four-plex
$294,515 $377,075 $455,800 $566,425
CLAY County
NON-METRO
Single Duplex Tri-plex Four-plex
$294,515 $377,075 $455,800 $566,425
CLINTON County
NON-METRO
Single Duplex Tri-plex Four-plex
$294,515 $377,075 $455,800 $566,425
CRITTENDEN County
NON-METRO
Single Duplex Tri-plex Four-plex
$294,515 $377,075 $455,800 $566,425
CUMBERLAND County
NON-METRO
Single Duplex Tri-plex Four-plex
$294,515 $377,075 $455,800 $566,425
DAVIESS County
OWENSBORO, KY
Single Duplex Tri-plex Four-plex
$294,515 $377,075 $455,800 $566,425
EDMONSON County
BOWLING GREEN, KY
Single Duplex Tri-plex Four-plex
$294,515 $377,075 $455,800 $566,425
ELLIOTT County
NON-METRO
Single Duplex Tri-plex Four-plex
$294,515 $377,075 $455,800 $566,425
ESTILL County
NON-METRO
Single Duplex Tri-plex Four-plex
$294,515 $377,075 $455,800 $566,425
FAYETTE County
LEXINGTON-FAYETTE, KY
Single Duplex Tri-plex Four-plex
$294,515 $377,075 $455,800 $566,425
FLEMING County
NON-METRO
Single Duplex Tri-plex Four-plex
$294,515 $377,075 $455,800 $566,425
FLOYD County
NON-METRO
Single Duplex Tri-plex Four-plex
$294,515 $377,075 $455,800 $566,425
FRANKLIN County
FRANKFORT, KY
Single Duplex Tri-plex Four-plex
$294,515 $377,075 $455,800 $566,425
FULTON County
UNION CITY, TN-KY
Single Duplex Tri-plex Four-plex
$294,515 $377,075 $455,800 $566,425
GALLATIN County
CINCINNATI, OH-KY-IN
Single Duplex Tri-plex Four-plex
$294,515 $377,075 $455,800 $566,425
GARRARD County
NON-METRO
Single Duplex Tri-plex Four-plex
$294,515 $377,075 $455,800 $566,425
GRANT County
CINCINNATI, OH-KY-IN
Single Duplex Tri-plex Four-plex
$294,515 $377,075 $455,800 $566,425
GRAVES County
MAYFIELD, KY
Single Duplex Tri-plex Four-plex
$294,515 $377,075 $455,800 $566,425
GRAYSON County
NON-METRO
Single Duplex Tri-plex Four-plex
$294,515 $377,075 $455,800 $566,425
GREEN County
NON-METRO
Single Duplex Tri-plex Four-plex
$294,515 $377,075 $455,800 $566,425
GREENUP County
HUNTINGTON-ASHLAND, WV-KY-OH
Single Duplex Tri-plex Four-plex
$294,515 $377,075 $455,800 $566,425
HANCOCK County
OWENSBORO, KY
Single Duplex Tri-plex Four-plex
$294,515 $377,075 $455,800 $566,425
HARDIN County
ELIZABETHTOWN-FORT KNOX, KY
Single Duplex Tri-plex Four-plex
$294,515 $377,075 $455,800 $566,425
HARLAN County
NON-METRO
Single Duplex Tri-plex Four-plex
$294,515 $377,075 $455,800 $566,425
HARRISON County
NON-METRO
Single Duplex Tri-plex Four-plex
$294,515 $377,075 $455,800 $566,425
HART County
NON-METRO
Single Duplex Tri-plex Four-plex
$294,515 $377,075 $455,800 $566,425
HENDERSON County
EVANSVILLE, IN-KY
Single Duplex Tri-plex Four-plex
$294,515 $377,075 $455,800 $566,425
HENRY County
LOUISVILLE/JEFFERSON COUNTY, KY-IN
Single Duplex Tri-plex Four-plex
$304,750 $390,100 $471,550 $586,050
HICKMAN County
NON-METRO
Single Duplex Tri-plex Four-plex
$294,515 $377,075 $455,800 $566,425
HOPKINS County
MADISONVILLE, KY
Single Duplex Tri-plex Four-plex
$294,515 $377,075 $455,800 $566,425
JACKSON County
NON-METRO
Single Duplex Tri-plex Four-plex
$294,515 $377,075 $455,800 $566,425
JEFFERSON County
LOUISVILLE/JEFFERSON COUNTY, KY-IN
Single Duplex Tri-plex Four-plex
$304,750 $390,100 $471,550 $586,050
JESSAMINE County
LEXINGTON-FAYETTE, KY
Single Duplex Tri-plex Four-plex
$294,515 $377,075 $455,800 $566,425
JOHNSON County
NON-METRO
Single Duplex Tri-plex Four-plex
$294,515 $377,075 $455,800 $566,425
KENTON County
CINCINNATI, OH-KY-IN
Single Duplex Tri-plex Four-plex
$294,515 $377,075 $455,800 $566,425
KNOTT County
NON-METRO
Single Duplex Tri-plex Four-plex
$294,515 $377,075 $455,800 $566,425
KNOX County
LONDON, KY
Single Duplex Tri-plex Four-plex
$294,515 $377,075 $455,800 $566,425
LARUE County
ELIZABETHTOWN-FORT KNOX, KY
Single Duplex Tri-plex Four-plex
$294,515 $377,075 $455,800 $566,425
LAUREL County
LONDON, KY
Single Duplex Tri-plex Four-plex
$294,515 $377,075 $455,800 $566,425
LAWRENCE County
NON-METRO
Single Duplex Tri-plex Four-plex
$294,515 $377,075 $455,800 $566,425
LEE County
NON-METRO
Single Duplex Tri-plex Four-plex
$294,515 $377,075 $455,800 $566,425
LESLIE County
NON-METRO
Single Duplex Tri-plex Four-plex
$294,515 $377,075 $455,800 $566,425
LETCHER County
NON-METRO
Single Duplex Tri-plex Four-plex
$294,515 $377,075 $455,800 $566,425
LEWIS County
NON-METRO
Single Duplex Tri-plex Four-plex
$294,515 $377,075 $455,800 $566,425
LINCOLN County
DANVILLE, KY
Single Duplex Tri-plex Four-plex
$294,515 $377,075 $455,800 $566,425
LIVINGSTON County
PADUCAH, KY-IL
Single Duplex Tri-plex Four-plex
$294,515 $377,075 $455,800 $566,425
LOGAN County
NON-METRO
Single Duplex Tri-plex Four-plex
$294,515 $377,075 $455,800 $566,425
LYON County
NON-METRO
Single Duplex Tri-plex Four-plex
$294,515 $377,075 $455,800 $566,425
MADISON County
RICHMOND-BEREA, KY
Single Duplex Tri-plex Four-plex
$294,515 $377,075 $455,800 $566,425
MAGOFFIN County
NON-METRO
Single Duplex Tri-plex Four-plex
$294,515 $377,075 $455,800 $566,425
MARION County
NON-METRO
Single Duplex Tri-plex Four-plex
$294,515 $377,075 $455,800 $566,425
MARSHALL County
NON-METRO
Single Duplex Tri-plex Four-plex
$294,515 $377,075 $455,800 $566,425
MARTIN County
NON-METRO
Single Duplex Tri-plex Four-plex
$294,515 $377,075 $455,800 $566,425
MASON County
MAYSVILLE, KY
Single Duplex Tri-plex Four-plex
$294,515 $377,075 $455,800 $566,425
MCCRACKEN County
PADUCAH, KY-IL
Single Duplex Tri-plex Four-plex
$294,515 $377,075 $455,800 $566,425
MCCREARY County
NON-METRO
Single Duplex Tri-plex Four-plex
$294,515 $377,075 $455,800 $566,425
MCLEAN County
OWENSBORO, KY
Single Duplex Tri-plex Four-plex
$294,515 $377,075 $455,800 $566,425
MEADE County
ELIZABETHTOWN-FORT KNOX, KY
Single Duplex Tri-plex Four-plex
$294,515 $377,075 $455,800 $566,425
MENIFEE County
MOUNT STERLING, KY
Single Duplex Tri-plex Four-plex
$294,515 $377,075 $455,800 $566,425
MERCER County
NON-METRO
Single Duplex Tri-plex Four-plex
$294,515 $377,075 $455,800 $566,425
METCALFE County
GLASGOW, KY
Single Duplex Tri-plex Four-plex
$294,515 $377,075 $455,800 $566,425
MONROE County
NON-METRO
Single Duplex Tri-plex Four-plex
$294,515 $377,075 $455,800 $566,425
MONTGOMERY County
MOUNT STERLING, KY
Single Duplex Tri-plex Four-plex
$294,515 $377,075 $455,800 $566,425
MORGAN County
NON-METRO
Single Duplex Tri-plex Four-plex
$294,515 $377,075 $455,800 $566,425
MUHLENBERG County
CENTRAL CITY, KY
Single Duplex Tri-plex Four-plex
$294,515 $377,075 $455,800 $566,425
NELSON County
BARDSTOWN, KY
Single Duplex Tri-plex Four-plex
$294,515 $377,075 $455,800 $566,425
NICHOLAS County
NON-METRO
Single Duplex Tri-plex Four-plex
$294,515 $377,075 $455,800 $566,425
OHIO County
NON-METRO
Single Duplex Tri-plex Four-plex
$294,515 $377,075 $455,800 $566,425
OLDHAM County
LOUISVILLE/JEFFERSON COUNTY, KY-IN
Single Duplex Tri-plex Four-plex
$304,750 $390,100 $471,550 $586,050
OWEN County
NON-METRO
Single Duplex Tri-plex Four-plex
$294,515 $377,075 $455,800 $566,425
OWSLEY County
NON-METRO
Single Duplex Tri-plex Four-plex
$294,515 $377,075 $455,800 $566,425
PENDLETON County
CINCINNATI, OH-KY-IN
Single Duplex Tri-plex Four-plex
$294,515 $377,075 $455,800 $566,425
PERRY County
NON-METRO
Single Duplex Tri-plex Four-plex
$294,515 $377,075 $455,800 $566,425
PIKE County
NON-METRO
Single Duplex Tri-plex Four-plex
$294,515 $377,075 $455,800 $566,425
POWELL County
NON-METRO
Single Duplex Tri-plex Four-plex
$294,515 $377,075 $455,800 $566,425
PULASKI County
SOMERSET, KY
Single Duplex Tri-plex Four-plex
$294,515 $377,075 $455,800 $566,425
ROBERTSON County
NON-METRO
Single Duplex Tri-plex Four-plex
$294,515 $377,075 $455,800 $566,425
ROCKCASTLE County
RICHMOND-BEREA, KY
Single Duplex Tri-plex Four-plex
$294,515 $377,075 $455,800 $566,425
ROWAN County
NON-METRO
Single Duplex Tri-plex Four-plex
$294,515 $377,075 $455,800 $566,425
RUSSELL County
NON-METRO
Single Duplex Tri-plex Four-plex
$294,515 $377,075 $455,800 $566,425
SCOTT County
LEXINGTON-FAYETTE, KY
Single Duplex Tri-plex Four-plex
$294,515 $377,075 $455,800 $566,425
SHELBY County
LOUISVILLE/JEFFERSON COUNTY, KY-IN
Single Duplex Tri-plex Four-plex
$304,750 $390,100 $471,550 $586,050
SIMPSON County
NON-METRO
Single Duplex Tri-plex Four-plex
$294,515 $377,075 $455,800 $566,425
SPENCER County
LOUISVILLE/JEFFERSON COUNTY, KY-IN
Single Duplex Tri-plex Four-plex
$304,750 $390,100 $471,550 $586,050
TAYLOR County
CAMPBELLSVILLE, KY
Single Duplex Tri-plex Four-plex
$294,515 $377,075 $455,800 $566,425
TODD County
NON-METRO
Single Duplex Tri-plex Four-plex
$294,515 $377,075 $455,800 $566,425
TRIGG County
CLARKSVILLE, TN-KY
Single Duplex Tri-plex Four-plex
$294,515 $377,075 $455,800 $566,425
TRIMBLE County
LOUISVILLE/JEFFERSON COUNTY, KY-IN
Single Duplex Tri-plex Four-plex
$304,750 $390,100 $471,550 $586,050
UNION County
NON-METRO
Single Duplex Tri-plex Four-plex
$294,515 $377,075 $455,800 $566,425
WARREN County
BOWLING GREEN, KY
Single Duplex Tri-plex Four-plex
$294,515 $377,075 $455,800 $566,425
WASHINGTON County
NON-METRO
Single Duplex Tri-plex Four-plex
$294,515 $377,075 $455,800 $566,425
WAYNE County
NON-METRO
Single Duplex Tri-plex Four-plex
$294,515 $377,075 $455,800 $566,425
WEBSTER County
NON-METRO
Single Duplex Tri-plex Four-plex
$294,515 $377,075 $455,800 $566,425
WHITLEY County
LONDON, KY
Single Duplex Tri-plex Four-plex
$294,515 $377,075 $455,800 $566,425
WOLFE County
NON-METRO
Single Duplex Tri-plex Four-plex
$294,515 $377,075 $455,800 $566,425
WOODFORD County
LEXINGTON-FAYETTE, KY
Single Duplex Tri-plex Four-plex
$294,515 $377,075 $455,800 $566,425
http://www.emailmeform.com/builder/form/0bfJs9b6bK8TGoc6mQk9hIu
 
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

http://www.nmlsconsumeraccess.org/
Disclaimer: No statement on this site is a commitment to make a loan. Loans are subject to borrower qualifications, including income, property evaluation, sufficient equity in the home to meet Loan-to-Value requirements, and final credit approval. Approvals are subject to underwriting guidelines, interest rates, and program guidelines and are subject to change without notice based on applicant’s eligibility and market conditions. Refinancing an existing loan may result in total finance charges being higher over the life of a loan. Reduction in payments may reflect a longer loan term. Terms of any loan may be subject to payment of points and fees by the applicant  Equal Opportunity Lender. NMLS#57916 http://www.nmlsconsumeraccess.org/
 
— Some products and services may not be available in all states. Credit and collateral are subject to approval. Terms and conditions apply. This is not a commitment to lend. Programs, rates, terms and conditions are subject to change without notice. The content in this marketing advertisement has not been approved, reviewed, sponsored or endorsed by any department or government agency. Rates are subject to change and are subject to borrower(s) qualification.

images (3)

 

 

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,

 

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

FHA MORTGAGE LOANS AND FLIPPING RULE FOR APPRAISALS
Resales Occurring 90 Days or Fewer after Acquisition:
 Not eligible for FHA financing
Resales occurring between 91 days and 180 Days after Acquisition:
 Obtain 2nd appraisal if resold between 91 to 180 days after acquisition
 Obtain 2nd appraisal if resale price is 100% or more over price paid by seller
 If 2nd appraisal is more than 5% lower than value of first appraisal, the lower value must be used
 Borrower not allowed to pay for 2nd appraisal
Exceptions to FHA Flipping Rules:
 Property purchased by an employer or relocation company due to relocation of an employee
 Resales by HUD – REO program
 Sales by other government agencies (i.e., IRS, court-ordered, DEA, etc.)
 Sales of non-profit agencies approved to purchase HUD properties
 Acquisition due to inheritance
 Sales of properties by federally chartered financial institutions
 Sales of properties by GSE’s
 Sales of properties by local or state governments
 Sales by builders selling a new home
 Sales of properties in federally declared disaster areas
NOTE: Mortgage Company must obtain a 12-month chain of title to document time restrictions above.
VA MORTGAGE AND FLIPPING RULE

 No Flipping Rules – Overlays may apply or at Underwriter’s discretion

 
USDA RURAL HOUSING MORTGAGE FLIPPING RULES
 Lender is responsible to ensure that any recently sold property’s value is strongly supported when a significant
increase between sale and purchase occurs.
 Lender must ensure that the appraisal value is supported with validated comps and protect the borrower from
predatory lending.

 
Fannie Mae Appraisal Flipping Rules
 No Flipping Rules – Lender overlays may apply
Freddie Mac
 No Flipping Rules – Lender overlays may apply

 

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.






http://www.emailmeform.com/builder/form/0bfJs9b6bK8TGoc6mQk9hIu

 

 

 

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
List Gallery
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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
Map it
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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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Email Info
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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Email Info
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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Email Info
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
List Gallery
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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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Email Info
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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