First Time Home Buyer Programs Louisville Kentucky

First Time Home Buyer Programs Louisville Kentucky

First Time Home Buyer Programs Louisville Kentucky.

via First Time Home Buyer Programs Louisville Kentucky.

Kentucky FHA loans have new guidelines for collections, judgements, and disputed accounts on credit report.

Kentucky FHA loans have new guidelines for collections, judgements, and disputed accounts on credit report. 

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I. ML 2013-25 (and 2013-24) – Collections, Judgments and Disputed Accounts
This guidance amends the TOTAL Scorecard User Guide (FHA’s guide for
using AUS) and is effective for all case numbers assigned on or after October
15, 2013. It applies to all FHA loans with the exception of non-credit
qualifying streamline refinance transactions.
A. FHA does not necessarily require collection accounts to be paid off for
approval, but it is recognized that collection efforts by the creditor could
affect the borrower’s ability to repay the mortgage. To that end, FHA is
requiring lenders to follow these guidelines when collection accounts are
present with an aggregate balance equal to or greater than $2000. When
the loan is rated approve/eligible or accept/accept by TOTAL:
1. If the cumulative outstanding balance of all collections is LESS than
$2000, then no further consideration is required.
2. If the cumulative outstanding balance of all collections of ALL
borrowers is equal to or greater than $2000 the lender must include
monthly payments in the borrower’s debt to income ratio for accounts
that will remain open after closing. This means that you will need to
document payment arrangements with the creditor and count the
payment or use 5% of the outstanding balance.
Note 1: Collections accounts of a non-purchasing spouse in a community
property state are included in the cumulative balance.
Note 2: Medical collections and charge offs are excluded from this
guidance.B. Judgments – Loans for borrowers with outstanding judgments are
generally not acceptable unless the following documentation is obtained.
a. Judgment must be on the credit report that is linked to the TOTAL
Scorecard findings and the findings must be “approve/eligible” or
“accept/accept.”
b. If the judgment will not be paid off and released prior to the
closing, evidence of a payment agreement may be considered. The
payment agreement must be in writing and provided at the time of
underwriting. Crescent will require evidence that 12 months
satisfactory payments have been made as scheduled. Borrowers
may not pre-pay scheduled payments in order to meet this
requirement. The monthly payment must be considered in the
borrower’s debt-to-income ratio for qualifying.
c. Any judgments that are discovered in the processing of the loan
that ARE NOT on the credit report linked to the TOTAL findings
require the loan to be manually downgraded to “refer” status.
Crescent does not approve loans that must be manually
downgraded.
d. A subordination agreement will be required for any judgment that
is also a lien against the borrower and/or the subject property.
C. Disputed Accounts – Because disputed accounts are not generally
considered in the borrower’s credit report FHA will now require loans of
borrowers who have derogatory disputed accounts with cumulative
balances of $1000 or more (excluding medical) to be downgraded to
“refer” findings and manually underwritten. As you are aware, Crescent
does not approve loans that require manual underwriting.
NOTE 1: Disputed derogatory credit account of a non-purchasing spouse
in a community property state are not included in the cumulative balance
for purposes of determining if the mortgage application must be
downgraded to a “refer.”
NOTE 2: Disputed medical collections are excluded from the $1000 limit
as are derogatory credit accounts resulting from identity theft, credit theft
unauthorized use, etc. However, documentation must be provided to
conclusively support the disputed status. Documentation might entail
police reports, letters from the creditor, etc.
II. ML 2013-26 – Back to Work-Extenuating Circumstances
The guidance provided in ML 13-26 requires loans to be manually
underwritten. For this reason Crescent cannot approve loans that need these
credit underwriting leniencies. III. ML 2013-29 – Application of Unused Funds from Escrow Account on
Refinance Transactions
This guidance is effective with case numbers assigned on or after November
1, 2013.
A. Unused funds from an escrow account that are not sent directly to the
borrower must be used for a purpose authorized by the borrower.
B. If the current servicer nets the escrow balance out of the payoff, it does not
change the way the new loan amount is calculated. You must still start
with the unpaid principal balance on the current loan, NOT the payoff
amount.
C. When the borrower has determined that they want the unused funds to be
applied to costs associated with the new FHA loan the lender is required
to:
a. Obtain a written authorization from the borrower to apply the funds
from an existing mortgage for any purpose prior to using them. The
borrower’s written authorization must clearly state the purpose for
which the authorization is provided.
b. The credit must show on the HUD-1 when the funds are applied to
settlement charges or to the new escrow account.
IV. Reminder: Loan officers are not to sign the initial 92900a (addendum to the
loan application for sponsored originator cases. This includes lenders who
have their FHA approval, but have not completed the test case phase of the
process.
A link to the FHA mortgagee letters is provided here > Mortgagee Letters.

Louisville Kentucky FHA Update Collections, Judgments, Disputes, Escrow Credits
Joel Lobb (NMLS#57916)
Senior  Loan Officer
502-905-3708 cell

kentuckyloan@gmail.com

--  Joel Lobb (NMLS#57916) Senior  Loan Officer 502-905-3708 cell 502-813-2795 fax kentuckyloan@gmail.com
– Collections, Judgments and Disputed Accounts for Kentucky FHA Loans

FHA to Home Buyers: We’ll Forgive But (Won’t) Forget | Mortgage Rates & Trends

FHA to Home Buyers: We’ll Forgive But (Won’t) Forget | Mortgage Rates & Trends.

 

— FHA to Home Buyers: We’ll Forgive But (Won’t) Forget | Mortgage Rates & Trends

 



rule change is allowing certain borrowers who have gone through a foreclosure, bankruptcy or other adverse event to become eligible to receive a new mortgage backed by the Federal Housing Administration after waiting as little as one year. Previously, they had to wait at least three years before they could qualify for a new government-backed loan. Fannie Mae and Freddie Mac, which guarantee conventional loans. require borrowers to wait seven years after a foreclosure unless there are extenuating circumstances, in which case the wait is three years.



 to be eligible for the new FHA loans, borrowers must be able to show their household income fell by 20 percent or more for at least six months and was  tied to unemployment or another event beyond their control. And they must prove their incomes have had a “full recovery; prove they have had at least one hour of approved housing counseling and have had 12 months of on-time housing payments.

Joel Lobb (NMLS#57916)
Senior  Loan Officer
502-905-3708 cell
502-813-2795 fax
kentuckyloan@gmail.com

Key Financial Mortgage Co. (NMLS #1800)*
107 South Hurstbourne Parkway*

Louisville, KY 40222*

FHA expands mortgage backing to the once bankrupt | 2013-08-16 | HousingWire

FHA expands mortgage backing to the once bankrupt | 2013-08-16 | HousingWire.

FHA expands mortgage backing to the once bankrupt | 2013-08-16 | HousingWire

According to a letter sent to mortgage lenders, the FHA said it would offer mortgage insurance to borrowers who, during the recession, filed for bankruptcy or lost their homes through a foreclosure or short-sale proceeding.

The insurance is now available to those who can prove they are no longer financially compromised — and met all other FHA requirements.

FHA recognizes the hardships faced by these borrowers, and realizes that their credit histories may not fully reflect their true ability or propensity to repay a mortgage,” the letter says.

Besides the burden of proof on the borrower to demonstrate a recovery from the “economic event,” the potential homeowner must also complete housing counseling. This event would need to result in a minimum loss of 20% of the household income.

The FHA is requiring lenders to verify at least a year has passed since the foreclosure and the economic event is responsible for the loss of the home or bankruptcy.

Joel Lobb (NMLS#57916)
Senior  Loan Officer
502-905-3708 cell
502-813-2795 fax
kentuckyloan@gmail.comKey Financial Mortgage Co. (NMLS #1800)*
107 South Hurstbourne Parkway*

Louisville, KY 40222*

FHA expands mortgage backing to the once bankrupt | 2013-08-16 | HousingWire

Don’t Let a Short Sale Keep You From a New Mortgage | Consumer Information

Don’t Let a Short Sale Keep You From a New Mortgage | Consumer Information.

If you negotiated a short sale of your home, you may be surprised to learn that some mortgage loan underwriting systems can’t distinguish short sales from foreclosures on consumer reports. And that may keep or delay you from getting a new mortgage.

You see, borrowers who go through a foreclosure typically have to wait seven years before they’re eligible for a new mortgage. But short sellers may qualify in as little as two years. When you’re trying to buy a new home, an additional five years can seem like a lifetime. So is there anything you can do to improve your financial footing? You bet there is.

  • Get a letter from your lender confirming that your loan closed in a short sale, not a foreclosure. Send a copy of the letter to each of the nationwide credit reporting companies: EquifaxExperian, and TransUnion.
  • Order a copy of your credit report. Make sure the information is accurate. If you find a mistake, contact the credit reporting company and business providing the information to correct the error.
  • When you’re ready to buy another home, get pre-approved for a loan. A pre-approval letter from a lender shows that you are able to go through with a purchase. Pre-approval is not a final loan commitment; it means you met with a loan officer, your credit report was reviewed, and the lender believes you can qualify for a specific loan amount. This pre-approval process allows your lender to identify issues and errors in your credit report that may keep you from qualifying for a loan. That, in turn, allows you to correct inaccuracies before they can prevent you from buying another home.

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

HUD HOMES SALES INCENTIVES

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

Sales Incentives

(subject to change without prior notice)

Participating States

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

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

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

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

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

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

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

Search Results for HUD Homes in KY

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

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

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

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

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

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

First | 1 | 2 | 3 | 4 | 5 | Next | Last |
339 listings found
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Save Search Email Search View Map Export to Display:                                                  5                                                 10                                                 20                                                 
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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Interest Rates

Interest Rates.

 

 Reservation System Open Monday – Friday from 10:00 a.m. to 9:00 p.m.

Rates subject to change without notice.

Secondary Market Interest Rates — 45-Day Lock

Loan Type

Rate without Down Payment Assistance

Rate with Down Payment Assistance

FHA, VA & RHS

  • 640 credit score
  • AUS approval
  • Purchases & Refinances

4.250%

4.750%

Conventional

  • 680 credit score
  • No MI required
  • LTV 80.01% -97.00%
  • *DU AUS approval
  • Purchases

5.375%

5.375%

Mortgage Revenue Bond Interest Rates — 45-Day Lock

Loan Type

Rate without Down Payment Assistance

Rate with Down Payment Assistance

FHA, VA & RHS

  • 640 credit score
  • AUS approval
  • Purchases

4.250%

4.750%

Conventional

  • 680 credit score
  • No MI required
  • LTV 80.01% -97.00%
  • *DU AUS approval
  • Purchases

5.375%

5.375%

 * Run through DU for Approve/Eligible BEFORE reserving with KHC.  Select HFA Preferred Risk Sharing program located on Additional Data Screen.