Qualifying for an FHA Loan in Kentucky

When it comes to buying a home in Kentucky, FHA loans are a popular choice for many first-time homebuyers due to their flexible qualifying criteria. If you’re considering an FHA loan in the Bluegrass State, understanding the key qualifying factors is crucial. Here’s a comprehensive guide to the criteria you need to know: Understanding these … Continue reading “Qualifying for an FHA Loan in Kentucky”

Credit Score Requirements:
- FHA loans are known for accommodating borrowers with lower credit scores. While the minimum required credit score can vary, typically, a credit score of 580 or higher is needed to qualify for the minimum down payment of 3.5%. However, borrowers with credit scores between 500 and 579 may still be eligible with a higher down payment, usually around 10%.
Down Payment:
- The minimum down payment for an FHA loan in Kentucky is 3.5% of the home’s purchase price. This is advantageous for buyers who may not have substantial savings for a larger down payment, making homeownership more accessible.
Work History:
- Lenders typically look for a steady 2 year employment history when considering FHA loan applications. A consistent work history, preferably with the same employer or within the same field, helps demonstrate financial stability and the ability to repay the loan.
Debt-to-Income Ratio (DTI):
- The debt-to-income ratio is a crucial factor in mortgage approval. For FHA loans, the maximum allowable DTI ratio is typically around 40% to 45% of your gross monthly income and can go higher up to 56% with good credit scores, large down payment or shorter term loan although lenders may consider higher ratios in certain cases if compensating factors are present.
Bankruptcy and Foreclosure:
- FHA loans have lenient guidelines regarding bankruptcy and foreclosure. Generally, borrowers with a past bankruptcy may qualify for an FHA loan after two years if they have re-established good credit and demonstrated responsible financial behavior. For foreclosures, the waiting period is usually three years.
Mortgage Term:
- FHA loans offer various mortgage term options, including 15-year and 30-year fixed-rate loans. The choice of term depends on your financial goals and ability to manage monthly payments.
- Occupancy: Primary residences not for rental properties
- Mortgage Insurance on the loan for life of loan. Larger down payments and shorter terms will reduce the upfront mi and monthly mi premiums
- can be used for refinances, not only for purchases.
- Max FHA loan in Kentucky is $498,257. This changes every year
- No income limits nor property restrictions on where home is located
- Can close within 30 days typically with good appraisal and title work

Understanding these qualifying criteria can help you navigate the FHA loan application process in Kentucky more effectively. Working with an experienced mortgage professional can also provide valuable guidance and assistance tailored to your specific financial situation and homeownership goals.

Joel Lobb Mortgage Loan Officer

American Mortgage Solutions, Inc.
10602 Timberwood Circle
Louisville, KY 40223
Company NMLS ID #1364

Text/call: 502-905-3708
fax: 502-327-9119
email: kentuckyloan@gmail.com

http://www.mylouisvillekentuckymortgage.com/

NMLS 57916 | Company NMLS #1364/MB73346135166/MBR1574

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).

Kentucky home loan credit scores and the minimum requirements for FHA, VA, USDA, and KHC mortgage loans in Kentucky.

Understanding Credit Scores for Kentucky Mortgage Loan Approval: Insights by Joel Lobb, Mortgage Broker

Are you considering applying for a mortgage loan in Kentucky but unsure about the credit score requirements? Joel Lobb, a trusted mortgage broker, provides valuable insights into credit scores and the minimum requirements for FHA, VA, USDA, and KHC mortgage loans in Kentucky. Let’s delve into the details and explore how credit scores impact your loan approval.

Kentucky Credit Scores and Kentucky Mortgage Approval

Your credit score plays a crucial role in determining your eligibility for a mortgage loan in Kentucky. Kentucky Mortgage Lenders use credit scores to assess your creditworthiness and evaluate the risk of lending to you. Different loan programs may have varying credit score requirements, so understanding these requirements is essential for prospective homebuyers.

Credit Score Models and Minimum Requirements

Here’s a chart illustrating the difference in credit score models and the minimum credit scores required for FHA, VA, USDA, and KHC mortgage loans in Kentucky:

Loan Program	Credit Score Model	Minimum Credit Score
FHA Loan	FICO® Score 2: Mortgage lenders get this version of the FICO® Score from Experian. FICO® Score 4: Mortgage lenders get this version of the FICO® Score from TransUnion. FICO® Score 5: Mortgage lenders obtain this version of the FICO® Score from Equifax.	500 to 580 –If less than 580, you will need 10% down payment and if over 580 or higher, 3.5% minimum down payment
VA Loan Equifax.	FICO^® Score 2: Mortgage lenders get this version of the FICO^® Score from Experian. FICO^® Score 4: Mortgage lenders get this version of the FICO^® Score from TransUnion. FICO^® Score 5: Mortgage lenders obtain this version of the FICO^® Score from Equifax.	No minimum score but most VA Lenders will want a 620 or higher
USDA Loan	FICO^® Score 2: Mortgage lenders get this version of the FICO^® Score from Experian. FICO^® Score 4: Mortgage lenders get this version of the FICO^® Score from TransUnion. FICO^® Score 5: Mortgage lenders obtain this version of the FICO^® Score from Equifax.	No minimum score, but most lenders will want a 640 or higher
KHC Mortgage Loan	FICO^® Score 2: Mortgage lenders get this version of the FICO^® Score from Experian. FICO^® Score 4: Mortgage lenders get this version of the FICO^® Score from TransUnion. FICO^® Score 5: Mortgage lenders obtain this version of the FICO^® Score from Equifax.	KHC requires a minimum 620 credit score for FHA, VA, USDA and 660 for Conventional loan programs

Key Insights

Kentucky FHA Loans: Kentucky FHA loans are known for their lenient credit score requirements, making them accessible to borrowers with lower credit scores. However, a minimum score of 500 to 580 is typically required, depending on the down payment.
Kentucky VA Loans: VA loans offer flexible credit score requirements, while on paper VA states they don’t require a minimum score to insure the mortgage loan, most lenders preferring a FICO score of 620 or higher. Veterans, active-duty service members, and eligible spouses can benefit from VA loan options.
Kentucky USDA Loans: USDA loans are designed for rural homebuyers and require no minimum FICO score , but most lenders will want a credit score of 640 or higher. These loans offer zero down payment options for eligible properties.
KHC Mortgage Loans: Kentucky Housing Corporation (KHC) mortgage loans may vary in credit score requirements depending on the lender. It’s essential to work with a knowledgeable mortgage broker like Joel Lobb to understand specific lender guidelines. KHC requires a minimum 620 credit score for FHA, VA, USDA and 660 for Conventional loan programs

Expert Guidance from Joel Lobb

Joel Lobb specializes in helping clients navigate the mortgage process, including understanding credit score requirements. With Joel Lobb’s expertise and personalized guidance, you can improve your credit score, explore loan options, and increase your chances of mortgage loan approval.

Contact Joel Lobb today to learn more about credit scores and mortgage loan approval in Kentucky. Start your journey towards homeownership with confidence and expert assistance.

This article provides valuable information about credit scores required for mortgage loan approval in Kentucky, along with a chart illustrating the minimum requirements for FHA, VA, USDA, and KHC mortgage loans. Joel Lobb’s expertise and guidance add credibility and assurance to prospective homebuyers seeking mortgage financing.

Joel Lobb Mortgage Loan Officer

American Mortgage Solutions, Inc.
10602 Timberwood Circle
Louisville, KY 40223
Company NMLS ID #1364

Text/call: 502-905-3708
fax: 502-327-9119
email: kentuckyloan@gmail.com

http://www.mylouisvillekentuckymortgage.com/

NMLS 57916 | Company NMLS #1364/MB73346135166/MBR1574

How long is my pre-approval good for on a Kentucky Mortgage Loan?

How to get a Pre-Approval Letter for a Mortgage Loan Kentucky. How do I get one and what documents are needed?

How long is my pre-approval good for on a Kentucky Mortgage Loan?

10 Tips for Mortgage Loan Applicants Not to After Pre-Approval for a KY Mortgage

1. Don’t change jobs or become self-employed.

2. Don’t buy a car, truck, van, boat or motorhome unless you plan to live in it.

3. Don’t use your credit cards or let your payments fall behind.

4. Don’t spend the money you have saved for your down payment.

5. Don’t buy furniture before you buy your house.

6. Don’t originate any new inquiries on your credit report.

7. Don’t make any LARGE or CASH deposits into your bank account.

8. Don’t change bank accounts.

9. Don’t co-sign for anyone.

10. Don’t purchase anything until after the closing.

Kentucky Mortgage Pre-Approval Checklist of Items Needed for Approval Letter

Bank Statements - Last 2 Months – All bank statements for all accounts from the last 2 months. Include all numbered pages of all bank statements!

Driver's License – Legible state-issued driver's license

Evidence of Insurance – For all properties owned

Federal Tax Returns - Last 2 Years – Last 2 years of federal tax returns to prove income, include all schedules

HOA statement (if applicable) – Most current statement

Loan Application (1003) – Please complete all fields

Mortgage Statement(s) – Most recent for all properties owned

Pay Stubs - Received in Last 30 Days – Last 30 days of pay stubs to prove income

Social Security Card – Legible social security card to prove social security number

W-2s - Last 2 Years – Last 2 years of W-2s to prove income

Kentucky Bad Credit Mortgage Lenders

The minimum credit score requirements for home loans in Kentucky vary by loan type. Conventional loans backed by Fannie Mae and Freddie Mac have a minimum credit score of 620 and 660, respectively, with a 3% down payment. For FHA loans, the minimum credit score is 580, or 500 with a 10% down payment. VA loans typically do not have an official requirement but often require a minimum score of 620. USDA loans, intended for low-income individuals in rural areas, usually require a minimum credit score of 640.

Bad credit home loans in Kentucky

Loan type	Credit score minimum
Conventional loan	620 or 660 depending on program
FHA loan	580 (or 500 with a minimum 10 percent down payment)
VA loan	No official requirement, but typically 620
USDA loan	No official requirement, but typically 640

Conventional loans

Fannie Mae and Freddie Mac each back conventional loans with a lower minimum credit score: 620 and 660, respectively. Both of these loans require just 3 percent down.

FHA loans

The Federal Housing Administration (FHA) insures FHA loans, which allows mortgage lenders to accept a credit score as low as 580 with a 3.5 percent down payment, or 500 with a 10 percent down payment.

VA loans

If you’re a military member, a veteran or married to someone who has served in the armed forces, you could benefit from a VA loan backed by the U.S. Department of Veterans Affairs. You don’t have to meet a specific credit score minimum to qualify, although many lenders do require at least 620.

USDA loans

If you have a lower income and want to buy a home in a particular rural area, look into a USDA loan. While not a hard-and-fast rule, most USDA-approved lenders require a minimum credit score of just 640.

Kentucky FHA Appraisal Requirements For A Mortgage Loan Approval.

Applies to case numbers assigned on or after June 1, 2022

Updates the initial appraisal validity period from 120 days to 180 days from the effective date of the appraisal report;
Extends the appraisal update validity period from 240 days to one year from the effective date of the initial appraisal report;

Allows the appraisal update to be ordered AFTER an appraisal expires; and
Eliminates the optional 30-day extension.

✨This is big news for FHA ✨

The guideline change also puts FHA appraisal expirations on par with conventional loan expiration dates.

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

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

Applies to case numbers assigned on or after June 1, 2022

Allows the appraisal update to be ordered AFTER an appraisal expires; and
Eliminates the optional 30-day extension.

✨This is big news for FHA ✨

The guideline change also puts FHA appraisal expirations on par with conventional loan expiration dates.

Kentucky FHA appraisals can take home buyers by surprise. That’s why we’ve put together some good-to-know info about the process. Feel free to use this to help educate your clients.

Joel Lobb
Senior Loan Officer

(NMLS#57916)

American Mortgage Solutions, Inc. NMLS# 1364

10602 Timberwood Circle, Suite 3

Louisville, KY 40223

text or call my phone: (502) 905-3708
email me at kentuckyloan@gmail.com

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.

Customer Testimonials

We just moved here the first of January in 2017 from Ohio to the Louisville, KY area and we found Joel’s website online. He was quick to respond to us and got back the same day on our loan approval. He was very knowledgeable about the local market and kept us up-to date throughout the loan process and was a pleasure to meet at closing. Would recommend his services.

Angela Forsythe

“We were searching online for mortgage companies in Louisville, Ky locally to deal with and found Joel’s website, and it was a godsend. He was great to work with, and delivered on everything he said he would do. I ended up referring my co-worker at UPS, and she was very pleased with his service and rates too. Would definitely vouch for him.” September 2016

Monica Leinhardt

“We contacted Joel back in July 2011 to refinance our Mortgage and he was great to work with. We contacted several lenders locally and online, and most where taking almost 60 days to close a refinance, Joel got it done in 23 days start to finish,I would definitely recommend him. He got us 3.75% with just $900 in closing costs on our FHA Streamline loan.

Kayle Griffin

“Joel is one of the best Mortgage Brokers I have ever worked with in my sixteen years in the real estate and mortgage business.” May 25, 2010

Tim Beck

“Joel has always worked very hard to keep his word and to work out seasonable solutions to difficult problems. He is truly an expert in FHA and other type loans.” September 1, 2010

Nancy Nalley

“I have worked with Joel since 1998. He is a great loan professional.” I refer most of my Louisville, Kentucky area home buyers to him and he always take special care of them. August 23, 2012

Jon ClarK
“Joel Lobb is a real professional in the lending industry, with many years of experience, he is the one to go to for any mortgage lending needs.” August 22, 2011

RICHARD VOLZ , Residential Sales , Remax Foursquare Realty

“When looking to purchase our new home in 2006, I had the pleasure of meeting Joel Lobb. Not only was he personable and easy to reach, he was extremely knowledgable in his field and made sure to find us the best rate and a top notch mortgage company. We were able to complete the process in less than 3 weeks with his expertise. I find Joel to have the utmost high integrity and I recommend him to anyone who say’s they are need of mortgage assistance. He is also fantastic and keeping everyone up to date on the latest in the housing industry through his twitter posts. He provided great results for our family and we still communicate to this day!” August 21, 2010

Stacie Drake

“We first use Joel on our new home purchase in 2007 in St Matthews, Kentucky area and he was great to work with. We have since refinanced our home with him in 2010 when rates got really low and he has always delivered on what he says. I could not imagine using anyone else.”

Melody Glasscock March 2014

Absolutely Amazing!! I emailed Joel after I had just got a denial from a bank and just thought i would try to get some advice on what my next steps would be to get a house. I honestly didn’t expect to even get a reply because my credit is not great. That was about a week and a half ago. I just signed a contract on a house last night. ONLY because of Joel Lobb. He even worked with us throughout the weekend, which shocked me. Best decision I have ever made. THANK YOU SO MUCH FOR WORKING WITH US THROUGHOUT THE ENTIRE PROCESS.

Cee Bellisle August 2017

Contacted him about buying a home and he was great to work with. I was moving to Louisville Ky to take a new job and he walked me through the entire process. He explained to me all the different options for FHA, VA, USDA mortgage loans and credit score requirements versus Fannie Mae. Since I was a first time home buyer I needed alot of help and guidance. I would definitely recommend him. Fast to respond and available to answer questions that I or my realtor had after hours.

Anderson Johnson June 2018

We moved from Michigan to Northern Kentucky area and we were really impressed. We got a USDA loan no money down and closed in less than 3.5 weeks. We shopped around online with other lenders but Joel was always first to respond and his rates were just a little better than other lenders. He kept us informed through the process along with our realtor and there was absolutely no surprises like we heard from other co-workers and friends that they experienced in their loan process. We have already referred another co-worker to Joel . He’s AWESOME!

Patty Kingston

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

If you are an individual with disabilities who needs accommodation, or you are having difficulty using our website to apply for a loan, please contact us at 502-905-3708.

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#57916http://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.

—

Website Fine Print The content provided on this website is presented or compiled by Joel Lobb and is provided for informational purposes only. It does not necessarily represent the views or opinions of his employer. Joel Lobb or his employer assumes any legal liability or responsibility for the accuracy, completeness, or usefulness of any information disclosed, or represents that its use would not infringe privately owned rights. The mortgage or financial services or strategies mentioned in this website may not be not suitable for you. This website participates as an Equal Opportunity Lender. All rights Reserved. Joel Lobb is a Licensed Mortgage Originator: NMLS #57916. Legal Disclaimer This web site is not the FHA, VA, USDA, HUD or any other government organization responsible for managing, insuring, regulating or issuing residential mortgage loans. **Download Fair Housing Booklet – CLICK HERE All approvals and rates are not guaranteed, and are only issued based on standard mortgage qualifying guidelines.

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Joel Lobb Mortgage Loan Officer

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Kentucky Credit Scores and Kentucky Mortgage Approval

Credit Score Models and Minimum Requirements

Key Insights

Expert Guidance from Joel Lobb

Joel Lobb Mortgage Loan Officer

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10 Tips for Mortgage Loan Applicants Not to After Pre-Approval for a KY Mortgage

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Bad credit home loans in Kentucky

Conventional loans

FHA loans

VA loans

USDA loans

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If you are an individual with disabilities who needs accommodation, or you are having difficulty using our website to apply for a loan, please contact us at 502-905-3708.