How to Qualify For a Kentucky FHA Mortgage Loan


 

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 a family member or from a retirement savings plan, or money saved up. Any type of cash deposits is 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 an 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 580 to 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 the trustee. You will need to qualify with the Chapter 13 payment along with a 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.
  • The property must be appraised by a Kentucky FHA-approved appraiser.
  • The property must be safe, sound and secure, in compliance with minimum property standards as defined by the U.S. Department of Housing and Urban Development, or HUD.
  • You may not have delinquent federal debt or judgments, or debt associated with past FHA loans. Caivrs Alert System will show up if you owe the government money.

Why Lenders Use CAIVRS

It is true that your CAIVRS report can help lenders to predict the risk of doing business with you, just like a traditional consumer credit report. But the primary reason lenders check your CAIVRS report is because they are generally required to do so for any applications that involve a federal loan (FHA, VA, USDA, SBA, etc.). Lenders are required to conduct a CAIVRS search because of Title 31 of the United States Code (Section 3720B) bars “delinquent federal debtors from obtaining federal loans or loan insurance guarantees.”

Kentucky FHA Loan Requirements for 2023

  • Gift Rules for Down-Payment Sources Guidelines on FHA Mortgage ProgramsOne 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 2022, you can buy a home with average to below-average credit and 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 SourcesAs we noted 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 ExplainedThe 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 FHA  in your state on Google to see what is available.The FHA is actually not the lender. They insure the loans that are issued by FHA-approved lenders. FHA loans are gear more toward borrower’s with less than 20% down payment and credit issues in the past.Qualifying for a FHA Loan Mortgage In KentuckyCredit Scores and Down Payment Percentages – Each year, the rules for qualifying for these loans changes. For 2022, applicants need a minimum credit score of 580 in order to get the low down payment, which is 3.5 percent.For those whose credit score is less than 580, they will have to come up with 10 percent for their down payment. This does not guaranteed a mortgage loan approval if you have the certain credit scores, just a the minimum required.Compensating Factors for FHA loan ApprovalThe credit score is just one part of the story. The FHA will also evaluate the borrower’s bankruptcies, foreclosures, prior payment history on other debts. They will also want information on difficulties that kept the borrower from making payments on other debts in the past.https://www.youtube.com/embed/iM74Gt0GmMI?version=3&rel=1&showsearch=0&showinfo=1&iv_load_policy=1&fs=1&hl=en&autohide=2&wmode=transparentNegative strikes against qualifying for the loan include not having any credit history or a bankruptcy.Someone with a bankruptcy will have to wait for two or more years after their bankruptcy before applying for an FHA-insured loan.If you have late payments on debt obligations, it is best to wait until you have had a full year of on-time payments before you apply for a FHA-insured loan.If you have had a foreclosure in the past, you may still be able to get a FHA-insured loan three years after your foreclosure. The lender will be looking at the circumstances behind the foreclosure.If you have had any civil judgement against you for money owed, collections actions or unpaid/unresolved federal debt, the FHA-approved lender will be required by the FHA to establish that all of these outstanding issues are resolved or paid before you can go through closing.Watch out for student loans if they are delinquent because sometime this can cause a lien against you in the form of a CAVIRS Alert with HUDAs you can see, many types of borrowers who would not be eligible for a traditional mortgage, or who would face exorbitant interest rates, will be able to qualify for a FHA-insured loan at attractive interest rates.Employment and Income for a Kentucky FHA LoanYou must have an employment history that is steady for the last two years. Does not have to be same employer.Your income has to be verifiable in some way, whether that be through pay stubs, your income tax returns. No bank statements or cash deposits , or undocumented income can be used for income qualifying purposes.Image result for Employment and Income for a Kentucky FHA LoanDebt-to-Income Ratio Requirements –Depending on the automated underwriting system from Desktop Originator, your Debt-to-income ratio is the percentage of your income before taxes that you spend on monthly debt.Taking into account the proposed mortgage payment as well as the other debts, the FHA requires that these debts all total less than 43 percent of your pretax income in order to qualify for the loan.If your debt load is too high, you will struggle to pay all of your bills and mortgage expenses and care for yourself and your family.55488026_2283733755207645_6787062571322048512_n (1)Property Requirements for a Kentucky FHA LoanIt must be the place where you intend to reside. You must move into the home within 60 days of closing the loan. The home cannot be an investment. There will be an inspection to ensure that the home is safe and habitable.It is really not too hard to pass FHA loans and the appraisal process.23444444Pros of FHA Loans –
    • New homebuyers and those who have lower credit scores or who have other blemishes on their credit history will often qualify for FHA-insured loans.
    • Even though these borrowers are considered “subprime” to a traditional lender, they will receive attractive interest rates through the FHA-insured mortgage programs.
    • The down payments required from borrowers are lower than those required by traditional mortgage lenders.
    • These loans can be combined with other forms of public assistance for lower income or new borrowers so that the borrower will not need to come up with a down payment of any kind.
    Cons of FHA Loans –
    • Since the FHA is not actually the lender, and you have to go through FHA-approved lenders, you may not qualify due to stricter standards that the lender has for the loan.
    • Because you are not paying 20 percent as a down payment, the FHA requires two mortgage insurance premiums to be paid. One is an upfront premium that is 1.75 percent of the loan amount. Lenders often will allow you to make that mortgage insurance premium a part of your loan. The second is an annual mortgage insurance premium that is .45 percent or 1.05 percent. This premium is paid monthly.
     FHA FINANCINGCREDIT REQUIREMENTS FOR KENTUCKY FHA FINANCINGWhat credit score do I need to qualify for a Kentucky FHA loan is one of the most common questions I hear from Kentucky homebuyers?The short answer is you must have a minimum credit score of 500 to be eligible for an FHA loan in Kentucky.  Anything lower than 500 disqualifies you from consideration for an FHA loan.There are two sets of credit score requirements for a Kentucky FHA LoanOne important thing to understand is that the Federal Housing Administration (FHA) does not lend money directly to home buyers. You will fill out an application with a regular lender just as you would if you were applying for any other type of mortgage. What the FHA does is ensure your loan to help protect the lender in case you default.You will be required not only to meet the FHA guidelines to qualify for a loan but also meet any additional qualifications required by the lender. This means there are two sets of requirements you have to meet with your credit score.1. The first set of requirements comes from the Department of Housing and Urban Development (HUD). HUD oversees the FHA and determines what a borrower’s minimum eligibility requirements will be to obtain an FHA loan.2. The second set of requirements comes from the mortgage lender. The mortgage lender has the right to add its requirements to those mandated by HUD.What HUD requires of borrowers to be eligible for an FHA loanThe HUD Handbook 4000.1 includes the official guidelines when it comes to the FHA mortgage insurance program.Borrowers with credit scores from 500 to 579 are eligible for a 90% loan with 10% down.Individuals with credit scores below 500 are not eligible for the FHA program.What lenders may require of borrowers to be eligible for an Kentucky FHA loanLenders have the right to add requirements over and above the minimum requirements of HUD. These additional requirements are called overlays. Your lender may or may not require them.This is not something that should come as a surprise to you, however. Requiring a credit score of 580 to 620 is not unusual. In addition to your credit score, you must have a manageable debt level that lenders are comfortable with and enough income to repay your loan.
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  • Joel Lobb (NMLS#57916)
    Senior  Loan Officer
    American Mortgage Solutions, Inc.10602 Timberwood Circle Suite 3Louisville, KY 40223Company ID #1364 | MB73346
    Text/call 502-905-3708
    kentuckyloan@gmail.com

Lower Mortgage Insurance Premiums on Kentucky FHA loans in 2023

FHA JUST LOWERED ITS MONTHLY MORTGAGE INSURANCE PREMIUM REQUIREMENT BY 30 BASIS POINTS – FROM 0.85% to 0.55%!

On February 22, 2023, HUD announced a 30 basis point MIP reduction on certain Kentucky FHA loans. According to the government agency, an estimated 850,000 borrowers could benefit this coming year, and the average Kentucky FHA homeowner will save $800 annually.

What you need to know:

  • The new rate is effective on loans endorsed for insurance by FHA on or after March 20, 2023.
  • Current clients could refinance to lower their monthly payments or shorten their term.
  • A lower MIP could open the door for more homebuyers who previously could not qualify.
  • FHA loans have many benefits, including flexible qualifications and low down payment requirements, and they allow for down payment assistance. Plus, there are no appraisal fees on a streamline refinance.

Contact your borrowers and prospects who are currently in an Kentucky FHA loan or could benefit from one to discuss how this change can work to their advantage. 

FHA Reduces Annual Mortgage Insurance Premiums
by 30 Basis Points to Support Affordable Homeownership

The Federal Housing Administration (FHA) announced today through Mortgagee Letter 2023-05 a 30 basis point reduction to the Annual Mortgage Insurance Premiums (annual MIP) it charges borrowers for FHA-insured Single Family Title II forward mortgages. This reduction supports the Biden-Harris Administration’s goals of making homeownership more accessible and affordable for the nation’s homebuyers. FHA mortgage insurance facilitates broader availability of mortgage financing to those not adequately served by the conventional mortgage market, particularly households of color for whom FHA-insured mortgages have been a cornerstone of access to affordable homeownership.


Today’s Mortgagee Letter provides additional information for mortgagees to implement the annual MIP reductions effective for mortgages endorsed for FHA insurance on or after March 20, 2023.


FHA estimates this reduction will benefit approximately 850,000 borrowers over the coming year, saving them $678 million in aggregate in the first year of their FHA-insured mortgage. For the average borrower purchasing a one-unit single family home with a down payment of 3.5 percent and a mortgage amount of $467,700 the national median home price as of December 2022 – FHA’s annual MIP reduction will save them more than $1,400 in the first year of their mortgage.

Wednesday, the Biden-Harris Administration announced reduced costs for FHA-backed mortgages.

In lowering annual mortgage insurance premiums 0.30 percentage points, the government makes homeownership more affordable and attainable for first-time buyers.

Kentucky FHA Mortgage Loan Lender Guidelines

 Buying a Kentucky Home with a FHA Mortgage

Originally posted on Louisville Kentucky Mortgage Loans:
Here are some benefits of Kentucky FHA loans 🤩
✅ Low down payment options
✅ Down payment assistance programs available
✅ Higher DTI ratios accepted

Is an Kentucky FHA loan right for you?

Here are some benefits of Kentucky FHA loans 🤩
✅ Low down payment options
✅ Down payment assistance programs available
✅ Higher DTI ratios accepted

FHA requires you to establish that the income is in fact stable. I am covering Time on Job, Part Time Income, Seasonal Income and Job Gaps below.
 
Time on Job
There is not a minimum length of time a borrower must have held a position for the income to be eligible. However, the application must identify the most recent 2 years of employment.
If the borrower’s employment history indicates that they were in school or in the military, then the borrower must provide evidence supporting this such as college transcripts or discharge papers.
The current type of employment has to be supported by the college transcripts or discharge papers showing that he borrower’s training enabled them to gain employment in their field of training.
 
Part Time Income 

Part-time and second job income can be used to qualify if documentation is obtained to prove that the borrower has worked the part-time job uninterrupted for the past two years, and plans to continue.
For Qualifying purposed, “part-time” income refers to jobs taken to supplement the borrower’s main income from regular employment, such as a second job that is less than 40 hours per week.
Income: Is averaged over the previous 2 years. If there was a pay rate increase and we can document the increase in pay, you can average the new pay rate over 12 months.
 
Seasonal Income
Seasonal income may be acceptable for qualifying. It is not unusual to have out-of-season income from unemployment income. If the borrower has a 2 year history and continuance is probable, this type of income may be allowed to qualify the borrower.
The key here is history and continuance.
 
Job Gaps
The borrower must provide a signed explanation for gaps in employment as follows:
Income can be considered effective if the following can be verified:
1. Borrower has been employed in the current job for at least six months at the time of the case number assignment AND
2. A two year work history prior to the absence from employment.
 

What does FHA stand for?

FHA stands for Federal Housing Administration, and the FHA is a government agency that insures mortgages. It was created just after the Great Depression, at a time when homeownership was prohibitively expensive and difficult to achieve because so many Americans lacked the savings and credit history to qualify for a loan. The government stepped in and began backing mortgages with more accessible terms. Approved lenders began funding FHA loans, which offered more reasonable down payment and credit score standards.

Today, government-backed mortgages still offer a safety net to lenders—because a federal entity (in this case, the FHA) is guaranteeing the loans, there’s less financial risk if a borrower defaults on their payments. Lenders are then able to loosen their qualifying guidelines, making mortgages available to middle and low income borrowers who might not otherwise be approved under conventional standards.

What’s the difference between FHA and conventional loans?

Home loans fall into two broad categories: government and conventional. A conventional loan is any mortgage that is not insured by a federal entity. Because private lenders assume all the risk in funding conventional loans, the requirements to qualify for these loans are more strict. Generally speaking, FHA loans might be a good fit if you have less money set aside to fund your down payment and/or you have a below-average credit score. While low down payment minimums and competitive interest rates are still possible with a conventional loan, you’ll need to show a strong credit score to qualify for those advantages.

Each loan type has advantages and disadvantages—including different mortgage insurance requirements, loan limits, and property appraisal guidelines—so choosing the one that works best for you really depends on your financial profile and your homebuying priorities.

FHA loans pros and cons

FHA loans are meant to make homeownership more accessible to people with fewer savings set aside and lower credit scores. They can be a great fit for some borrowers, particularly first time homebuyers who often need lower down payment options, but you should weigh the costs and benefits of any mortgage before committing. Here’s a breakdown of the key pros and cons when it comes to FHA loans:

Pros Cons
Low down payment. Down payments make up the majority of cash to close in any purchase loan, and saving up for one can be a significant barrier for some borrowers. FHA loans make it possible to put down as little as 3.5% upfront and still get competitive rates. Mandatory MIP payments. FHA loans are more lenient, but they also come with insurance costs to mitigate risk to the lender. You’ll have to pay Mortgage Insurance Premiums (MIP) no matter what—either for 11 years or for the life of your loan, depending on your down payment.
Lower credit score. Credit scores can be a major hurdle when it comes to conventional loans, but borrowers with credit scores starting at 500 can qualify for FHA loans. Less competitive. Sometimes sellers can be more hesitant to accept FHA loans. In a competitive market, you might not win out against conventional loan bids.
Higher DTI accepted. Your debt-to-income (DTI) ratio gives lenders an understanding of other major financial obligations in your life. This ratio is a key factor in any loan application because it indicates your ability to afford a mortgage based on current household income and existing debt. Again, FHA loans offer more leniency here and borrowers at or below 43% DTI can qualify. Stricter property standards. To offset risk and further protect lenders, FHA loans have strict criteria when it comes to assessing the condition of any property being purchased with an FHA loan. The downside? The house you want to buy might not qualify for an FHA loan. The upside? You’re less likely to be financially burdened by a home that requires expensive repairs or updates.
No income limitations. It’s a common misconception that FHA loans are only available to first-time homebuyers or borrowers with limited income—but they’re not. There’s no maximum income limit that would disqualify you from this type of loan. Loan limits: FHA loan limits are typically lower than conventional loan limits, which means you might not be able to get funding for more expensive houses. This isn’t necessarily a bad thing, since it helps ensure that borrowers get loans they can afford to repay.

How to qualify for an FHA loan

Qualifying for an FHA loan is generally easier than qualifying for a conventional loan, but you’ll still need to meet some basic minimum standards set by the FHA. While the government insures these loans, the funding itself comes through FHA-approved lenders each lending institution may have slightly different qualifying guidelines for its borrowers. Keep in mind that, while these FHA standards offer a basic framework, you’ll need to confirm the individual qualifying rules with your specific lender.

  • Credit score minimum 500. Your exact credit score will play a big role in determining your down payment minimum; typically, the higher your credit score, the lower your down payment and the more favorable your interest rate.

  • Debt-to-income ratio at or below 56.9%. DTI is a standard way of comparing the amount of money you earn to the amount you spend paying off other debts, and FHA loans are more lax on this number.

  • Steady income and proof of employment. Being able to provide at least 2 years of income and employment records is a standard requirement for all loans.

  • Down payment between 3.5%-10%. The down payment minimum for an FHA loan is typically lower than conventional loan, and can be as little as 3.5% depending on your credit score and lender.

  • Property standards apply. You won’t qualify for an FHA loan if the house you want to buy doesn’t pass the appraisal process, which is more strict with this type of loan than conventional mortgages.

  • Maximum FHA loan amount. The amount of money you borrow cannot exceed the FHA loan limits; this number changes based on your county and is determined by how expensive the local market is; the maximum FHA loan limit in 2021 is $420,000 (check HUD resources to confirm the latest limits.)

 
 
Joel Lobb
Senior Loan Officer
(NMLS#57916)

American Mortgage Solutions, Inc.
10602 Timberwood Circle, Suite 3
Louisville, KY 40223

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, (http://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.

Joel E Lobb
American Mortgage
5029053708
email us here
Kentucky FHA, VA, USDA & Rural Housing, KHC and Fannie Mae mortgage loans.

Louisville Kentucky Mortgage Loans

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Kentucky FHA Guidelines for 2022

FHA pros and cons

FHA loans are a good option, especially if you have low credit or a lot of debt. But they come with their own set of drawbacks too.

FHA pros

Some of the best reasons to apply for an FHA home loan include:

  • Lenient credit requirements: You can generally qualify for maximum FHA financing with a credit score of 500 to 580 versus a 620 to 640 score for a USDA loan. You might also be eligible with a credit score between 500 and 579 if you can make a 10% down payment.
  • Higher debt-to-income ratios: Your back-end DTI — that is, your total monthly debt obligations — can be as high as 56.9% for FHA loans, but only 45% for USDA loans.
  • Potentially lower interest rates: FHA interest rates can be lower than rates for USDA loans because you have the option to choose shorter repayment terms, including a 15-year fixed interest rate. The USDA only offers 30-year fixed loans, which naturally have higher rates.
  • Multi-family units can qualify: Properties with up to four units can qualify for financing with an FHA loan when one unit is your primary residence. For example, purchasing a duplex with an FHA loan is allowed as long as you live in one half of the property. Like USDA loans, however, second homes and investment properties are ineligible.

FHA cons

  • Higher down payment requirements: Depending on your credit score, you’ll need to make a 3.5% or 10% down payment. USDA loans require no down payment.
  • Higher mortgage insurance premiums: Your upfront and annual mortgage insurance premiums are higher than the USDA guarantee fee and annual fee.
  • Difficult to cancel mortgage insurance: You’ll pay an annual mortgage insurance premium for the life of the loan unless your down payment is at least 10% — in which case, you’ll only pay mortgage insurance for the first 11 years.
  • Mortgage limits: The maximum loan amount in 2022 in Kentucky  is $420,680 for most counties.
Louisville Kentucky Mortgage Lender for FHA, VA, KHC, USDA and Rural  Housing Kentucky Mortgages: What is the difference between Conventional, FHA  and VA Mortgage loans in Kentucky?

FHA Limits for 2022
Lending Limits for FHA Loans in KENTUCKY Counties
FHA mortgage lending limits in KENTUCKY 


ADAIR County
NON-METRO
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
ALLEN County
BOWLING GREEN, KY
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
ANDERSON County
FRANKFORT, KY
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
BALLARD County
PADUCAH, KY-IL
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
BARREN County
GLASGOW, KY
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
BATH County
MOUNT STERLING, KY
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
BELL County
MIDDLESBOROUGH, KY
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
BOONE County
CINCINNATI, OH-KY-IN
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
BOURBON County
LEXINGTON-FAYETTE, KY
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
BOYD County
HUNTINGTON-ASHLAND, WV-KY-OH
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
BOYLE County
DANVILLE, KY
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
BRACKEN County
CINCINNATI, OH-KY-IN
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
BREATHITT County
NON-METRO
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
BRECKINRIDGE County
NON-METRO
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
BULLITT County
LOUISVILLE/JEFFERSON COUNTY, KY-IN
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
BUTLER County
BOWLING GREEN, KY
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
CALDWELL County
NON-METRO
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
CALLOWAY County
MURRAY, KY
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
CAMPBELL County
CINCINNATI, OH-KY-IN
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
CARLISLE County
NON-METRO
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
CARROLL County
NON-METRO
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
CARTER County
HUNTINGTON-ASHLAND, WV-KY-OH
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
CASEY County
NON-METRO
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
CHRISTIAN County
CLARKSVILLE, TN-KY
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
CLARK County
LEXINGTON-FAYETTE, KY
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
CLAY County
LONDON, KY
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
CLINTON County
NON-METRO
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
CRITTENDEN County
NON-METRO
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
CUMBERLAND County
NON-METRO
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
DAVIESS County
OWENSBORO, KY
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
EDMONSON County
BOWLING GREEN, KY
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
ELLIOTT County
NON-METRO
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
ESTILL County
RICHMOND-BEREA, KY
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
FAYETTE County
LEXINGTON-FAYETTE, KY
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
FLEMING County
NON-METRO
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
FLOYD County
NON-METRO
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
FRANKLIN County
FRANKFORT, KY
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
FULTON County
NON-METRO
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
GALLATIN County
CINCINNATI, OH-KY-IN
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
GARRARD County
NON-METRO
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
GRANT County
CINCINNATI, OH-KY-IN
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
GRAVES County
MAYFIELD, KY
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
GRAYSON County
NON-METRO
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
GREEN County
CAMPBELLSVILLE, KY
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
GREENUP County
HUNTINGTON-ASHLAND, WV-KY-OH
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
HANCOCK County
OWENSBORO, KY
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
HARDIN County
ELIZABETHTOWN-FORT KNOX, KY
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
HARLAN County
NON-METRO
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
HARRISON County
NON-METRO
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
HART County
NON-METRO
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
HENDERSON County
EVANSVILLE, IN-KY
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
HENRY County
LOUISVILLE/JEFFERSON COUNTY, KY-IN
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
HICKMAN County
NON-METRO
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
HOPKINS County
MADISONVILLE, KY
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
JACKSON County
NON-METRO
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
JEFFERSON County
LOUISVILLE/JEFFERSON COUNTY, KY-IN
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
JESSAMINE County
LEXINGTON-FAYETTE, KY
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
JOHNSON County
NON-METRO
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
KENTON County
CINCINNATI, OH-KY-IN
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
KNOTT County
NON-METRO
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
KNOX County
LONDON, KY
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
LARUE County
ELIZABETHTOWN-FORT KNOX, KY
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
LAUREL County
LONDON, KY
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
LAWRENCE County
NON-METRO
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
LEE County
NON-METRO
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
LESLIE County
NON-METRO
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
LETCHER County
NON-METRO
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
LEWIS County
NON-METRO
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
LINCOLN County
DANVILLE, KY
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
LIVINGSTON County
PADUCAH, KY-IL
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
LOGAN County
NON-METRO
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
LYON County
NON-METRO
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
MADISON County
RICHMOND-BEREA, KY
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
MAGOFFIN County
NON-METRO
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
MARION County
NON-METRO
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
MARSHALL County
NON-METRO
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
MARTIN County
NON-METRO
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
MASON County
MAYSVILLE, KY
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
MCCRACKEN County
PADUCAH, KY-IL
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
MCCREARY County
NON-METRO
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
MCLEAN County
OWENSBORO, KY
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
MEADE County
ELIZABETHTOWN-FORT KNOX, KY
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
MENIFEE County
MOUNT STERLING, KY
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
MERCER County
NON-METRO
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
METCALFE County
GLASGOW, KY
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
MONROE County
NON-METRO
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
MONTGOMERY County
MOUNT STERLING, KY
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
MORGAN County
NON-METRO
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
MUHLENBERG County
CENTRAL CITY, KY
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
NELSON County
BARDSTOWN, KY
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
NICHOLAS County
NON-METRO
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
OHIO County
NON-METRO
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
OLDHAM County
LOUISVILLE/JEFFERSON COUNTY, KY-IN
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
OWEN County
NON-METRO
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
OWSLEY County
NON-METRO
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
PENDLETON County
CINCINNATI, OH-KY-IN
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
PERRY County
NON-METRO
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
PIKE County
NON-METRO
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
POWELL County
NON-METRO
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
PULASKI County
SOMERSET, KY
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
ROBERTSON County
NON-METRO
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
ROCKCASTLE County
NON-METRO
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
ROWAN County
NON-METRO
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
RUSSELL County
NON-METRO
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
SCOTT County
LEXINGTON-FAYETTE, KY
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
SHELBY County
LOUISVILLE/JEFFERSON COUNTY, KY-IN
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
SIMPSON County
NON-METRO
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
SPENCER County
LOUISVILLE/JEFFERSON COUNTY, KY-IN
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
TAYLOR County
CAMPBELLSVILLE, KY
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
TODD County
NON-METRO
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
TRIGG County
CLARKSVILLE, TN-KY
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
TRIMBLE County
NON-METRO
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
UNION County
NON-METRO
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
WARREN County
BOWLING GREEN, KY
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
WASHINGTON County
NON-METRO
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
WAYNE County
NON-METRO
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
WEBSTER County
NON-METRO
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
WHITLEY County
LONDON, KY
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
WOLFE County
NON-METRO
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
WOODFORD County
LEXINGTON-FAYETTE, KY
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150