FHA Home Loans in Kentucky


FHA Home Loans in Kentucky

FHA loans have been helping Kentucky residents since 1934

A Kentucky FHA Lender can offer you a better loan including:

  • Low down payments (if any)

  • Low closing costs

  • Easy credit qualifying

  • 48 hour Streamline Refinancing

 

How it works:

Determine the best type of FHA loan that best fits your needs

Complete an easy 2 minute form

An FHA Loan Specialist will respond within 1 business day.

Review with no obligations your loan approval and locked rate.

  • As of January 1, 2011, Borrowers can finance 96.5% of the purchase price and put down only 3.5 percent. In some instances, when combined with other types of loans, the down payment can be zero.

  • Allowable refinance up to 115% of your homes value.

  • Let us help roll your closing costs into your loan total.

Product Interest Rate APR
Conforming 1and FHA Loans
30-Year Fixed 4.500% 5.065%
30-Year Fixed FHA 4.500% 5.624%
15-Year Fixed 3.750 4.573%
5-Year ARM 3.375% 3.303%
5-Year ARM FHA 3.250% 3.170%
Larger Loan Amounts in Eligible AreasConforming and FHA.1
30-Year Fixed 5.125% 5.264%
30-Year Fixed FHA 4.750% 5.568%
5-Year ARM 3.750% 3.388%
Jumbo1 Loans – Amounts that exceed conforming loan limits1
30-Year Fixed 5.375% 5.516%
5-Year ARM 4.000% 3.478%
 
County Single Family 2 Units 3 Units 4 Units
ADAIR $200,160 $256,248 $309,744 $384,936
ALLEN $200,160 $256,248 $309,744 $384,936
ANDERSON $200,160 $256,248 $309,744 $384,936
BALLARD $200,160 $256,248 $309,744 $384,936
BARREN $200,160 $256,248 $309,744 $384,936
BATH $200,160 $256,248 $309,744 $384,936
BELL $200,160 $256,248 $309,744 $384,936
BOONE $252,700 $284,620 $345,800 $399,000
BOURBON $200,160 $256,248 $309,744 $384,936
BOYD $200,160 $256,248 $309,744 $384,936
BOYLE $200,160 $256,248 $309,744 $384,936
BRACKEN $252,700 $284,620 $345,800 $399,000
BREATHITT $200,160 $256,248 $309,744 $384,936
BRECKINRIDGE $200,160 $256,248 $309,744 $384,936
BULLITT $229,425 $258,405 $313,950 $384,936
BUTLER $200,160 $256,248 $309,744 $384,936
CALDWELL $200,160 $256,248 $309,744 $384,936
CALLOWAY $200,160 $256,248 $309,744 $384,936
CAMPBELL $252,700 $284,620 $345,800 $399,000
CARLISLE $200,160 $256,248 $309,744 $384,936
CARROLL $200,160 $256,248 $309,744 $384,936
CARTER $200,160 $256,248 $309,744 $384,936
CASEY $200,160 $256,248 $309,744 $384,936
CHRISTIAN $200,160 $256,248 $309,744 $384,936
CLARK $200,160 $256,248 $309,744 $384,936
CLAY $200,160 $256,248 $309,744 $384,936
CLINTON $200,160 $256,248 $309,744 $384,936
CRITTENDEN $200,160 $256,248 $309,744 $384,936
CUMBERLAND $200,160 $256,248 $309,744 $384,936
DAVIESS $200,160 $256,248 $309,744 $384,936
EDMONSON $200,160 $256,248 $309,744 $384,936
ELLIOTT $200,160 $256,248 $309,744 $384,936
ESTILL $200,160 $256,248 $309,744 $384,936
FAYETTE $200,160 $256,248 $309,744 $384,936
FLEMING $200,160 $256,248 $309,744 $384,936
FLOYD $200,160 $256,248 $309,744 $384,936
FRANKLIN $200,160 $256,248 $309,744 $384,936
FULTON $200,160 $256,248 $309,744 $384,936
GALLATIN $252,700 $284,620 $345,800 $399,000
GARRARD $200,160 $256,248 $309,744 $384,936
GRANT $252,700 $284,620 $345,800 $399,000
GRAVES $200,160 $256,248 $309,744 $384,936
GRAYSON $200,160 $256,248 $309,744 $384,936
GREEN $200,160 $256,248 $309,744 $384,936
GREENUP $200,160 $256,248 $309,744 $384,936
HANCOCK $200,160 $256,248 $309,744 $384,936
HARDIN $200,160 $256,248 $309,744 $384,936
HARLAN $200,160 $256,248 $309,744 $384,936
HARRISON $200,160 $256,248 $309,744 $384,936
HART $200,160 $256,248 $309,744 $384,936
HENDERSON $200,160 $256,248 $309,744 $384,936
HENRY $229,425 $258,405 $313,950 $384,936
HICKMAN $200,160 $256,248 $309,744 $384,936
HOPKINS $200,160 $256,248 $309,744 $384,936
JACKSON $200,160 $256,248 $309,744 $384,936
JEFFERSON $229,425 $258,405 $313,950 $384,936
JESSAMINE $200,160 $256,248 $309,744 $384,936
JOHNSON $200,160 $256,248 $309,744 $384,936
KENTON $252,700 $284,620 $345,800 $399,000
KNOTT $200,160 $256,248 $309,744 $384,936
KNOX $200,160 $256,248 $309,744 $384,936
LARUE $200,160 $256,248 $309,744 $384,936
LAUREL $200,160 $256,248 $309,744 $384,936
LAWRENCE $200,160 $256,248 $309,744 $384,936
LEE $200,160 $256,248 $309,744 $384,936
LESLIE $200,160 $256,248 $309,744 $384,936
LETCHER $200,160 $256,248 $309,744 $384,936
LEWIS $200,160 $256,248 $309,744 $384,936
LINCOLN $200,160 $256,248 $309,744 $384,936
LIVINGSTON $200,160 $256,248 $309,744 $384,936
LOGAN $200,160 $256,248 $309,744 $384,936
LYON $200,160 $256,248 $309,744 $384,936
MADISON $200,160 $256,248 $309,744 $384,936
MAGOFFIN $200,160 $256,248 $309,744 $384,936
MARION $200,160 $256,248 $309,744 $384,936
MARSHALL $200,160 $256,248 $309,744 $384,936
MARTIN $200,160 $256,248 $309,744 $384,936
MASON $200,160 $256,248 $309,744 $384,936
MCCRACKEN $200,160 $256,248 $309,744 $384,936
MCCREARY $200,160 $256,248 $309,744 $384,936
MCLEAN $200,160 $256,248 $309,744 $384,936
MEADE $229,425 $258,405 $313,950 $384,936
MENIFEE $200,160 $256,248 $309,744 $384,936
MERCER $200,160 $256,248 $309,744 $384,936
METCALFE $200,160 $256,248 $309,744 $384,936
MONROE $200,160 $256,248 $309,744 $384,936
MONTGOMERY $200,160 $256,248 $309,744 $384,936
MORGAN $200,160 $256,248 $309,744 $384,936
MUHLENBERG $200,160 $256,248 $309,744 $384,936
NELSON $229,425 $258,405 $313,950 $384,936
NICHOLAS $200,160 $256,248 $309,744 $384,936
OHIO $200,160 $256,248 $309,744 $384,936
OLDHAM $229,425 $258,405 $313,950 $384,936
OWEN $200,160 $256,248 $309,744 $384,936
OWSLEY $200,160 $256,248 $309,744 $384,936
PENDLETON $252,700 $284,620 $345,800 $399,000
PERRY $200,160 $256,248 $309,744 $384,936
PIKE $200,160 $256,248 $309,744 $384,936
POWELL $200,160 $256,248 $309,744 $384,936
PULASKI $200,160 $256,248 $309,744 $384,936
ROBERTSON $200,160 $256,248 $309,744 $384,936
ROCKCASTLE $200,160 $256,248 $309,744 $384,936
ROWAN $200,160 $256,248 $309,744 $384,936
RUSSELL $200,160 $256,248 $309,744 $384,936
SCOTT $200,160 $256,248 $309,744 $384,936
SHELBY $229,425 $258,405 $313,950 $384,936
SIMPSON $200,160 $256,248 $309,744 $384,936
SPENCER $229,425 $258,405 $313,950 $384,936
TAYLOR $200,160 $256,248 $309,744 $384,936
TODD $200,160 $256,248 $309,744 $384,936
TRIGG $200,160 $256,248 $309,744 $384,936
TRIMBLE $229,425 $258,405 $313,950 $384,936
UNION $200,160 $256,248 $309,744 $384,936
WARREN $200,160 $256,248 $309,744 $384,936
WASHINGTON $200,160 $256,248 $309,744 $384,936
WAYNE $200,160 $256,248 $309,744 $384,936
WEBSTER $200,160 $256,248 $309,744 $384,936
WHITLEY $200,160 $256,248 $309,744 $384,936
WOLFE $200,160 $256,248 $309,744 $384,936
WOODFORD $200,160 $256,248 $309,744 $384,936
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4 thoughts on “FHA Home Loans in Kentucky

  1. Pingback: FHA Home Loans in Kentucky | Kentucky FHA Mortgage Loans

  2. trying to get a loan with 1 other person we only need 47.000.00 my income is 600.00 month his is 700.00 month his name is Richard Filler

    • Louisville Kentucky First Time Home Buyer Programs and Resources

      Louisville Ky First Time Home Buyers Kentucky First Time Home Buyer Programs and Resources

      If you are a potential first time home buyer in Louisville Kentucky, we welcome you! It is our utmost desire to assist you in reaching the goal of buying your first home. We’ve gathered the most helpful, beneficial resources together on this page to make things as easy as possible for you.

      We have access to all the Louisville Kentucky First Time home Buyers programs including, FHA, VA, KHC, and USDA, Rural Housing Zero Down home loans–Our site is updated dailty for Louisville Kentucky first time home buyers with the best programs and rates avaible.

      What is available for first time home buyer financial programs in Kentucky?The first place to start in that search is the Kentucky Housing Corporation. They provide generous assistance to first time home buyers in the form of grants to help with the down payment as well as closing costs.

      The Kentucky Housing Corporation has a down payment assistance program for eligible home buyers who meet specific moderate income limits to help with down payment and/or closing costs. Check and see what is available and if you qualify….

      To visit the website of the Kentucky Housing Corporation Zero Down Home Loans for Ky Home Buyers First Time. In certain situations they will provide loans for the down payment for first time home buyers. It is a great program for first time home buyers and is worth investigating. Simply go to their website above for complete information.

      There are other homeownership programs available through the Kentucky Housing Corporation. You can visit the website by clicking here. You’ll find information on income limits in order to qualify for the first time home buyer program, program descriptions, a list of approved lenders, an interest rate lock program, and a host of other first time home buyer resources.

      In addition to the state programs, there are federal funds and grants available to residents and first time home buyers in Kentucky through the Homes and Communities program of the US Department of Housing and Urban Development. On their website you’ll find complete grant information, application forms, description of available funds, as well as many other helpful tools.

      Every potential first time home buyer should investigate what they have to offer. You can visit the website by clicking on US Dept. of Housing and Urban Development. Finally, there is a website that lists all grant programs available through the federal government, Grants.gov. First time home buyers should plan to spend the required time investigating to determine how many specific grants they may qualify for. You can visit the website by clicking here.

      We will be adding more resources to this page as we discover them and/or they become available to first time home buyers in Kentucky, so please do bookmark this site and check back often! In the meantime, please do look around and get the most of the information that is here.

      Fill out my free Kentucky mortgage prequalification form here by clicking this link!
      Calculators, Credit Inquires impact on Credit Score, Credit score improvement Video to raise your scores, Credit Scores and Kentucky Mortgage Loans, FHA minimum credit score, Fico Score
      Reactions:

      Kentucky Housing Down Payment Assistance increased to $6000.00 for Kentucky First Time Home Buyers

      Kentucky Housing Down Payment Assistance increased to $6000.00

      New Kentucky Housing Regular DAP!

      Beginning with reservations on or after Friday, July 1, 2011, the Kentucky Housing Corporation (KHC) KHC Kentucky Housing Down payment Assistance Program (DAP) will increase to $6,000. The interest rate will remain at 6 percent, but the term will increase to ten years. The MRB Program Guide has been updated on the KHC Web site.

      The monthly payment for $6,000 at 6 percent interest over ten years is $66.61.

      HOME Family and HOME Special are Back!

      HOME funds will be replenished on Friday, July 1, 2011. KEntucky Housing or KHC HOME Family or HOME Special DAP, each up to $10,000! Keep in mind these funds are on a limited, first-come, first-served basis. Full program parameters are available onKentucky Housing Mortgage Guidelines 2011

      Funding Lottery Available Monday, July 25

      Funds for the New Construction Program for Single Parents, Disabled, and Elderly Households will soon be available. The funding source this year will be New Bond funds, which means borrowers must meet all New Bond guidelines, with the exception of purchase price and income limits (listed below).

      Kentucky Housing Down Payment Assistance increased to $6000.00 for Kentucky First Time Home Buyers

      Funds will be available to populations that meet the following program guidelines:

      First mortgage loan (FHA, VA, and RHS only – no conventional) with 30-year fixed interest rate of 1 to 6 percent. The rate will be the highest for which the applicant qualifies at ratios of 29/41.

      New construction property only.

      Maximum purchase price of $115,000.

      Eligible households include:

      Single parents with at least one dependent child under the age of 18 living in the household.

      Households with at least one member with a permanent disability who is receiving some form of disability income (SSI, SSDI, etc.).

      At least one of the home buyers age 62 or older.

      Gross annual household income less than $28,000 for 1-2 persons or $33,000 for 3 persons or more.

      Regular rate program with points required.

      Borrowers must have minimum credit score of 640 and AUS approval.

      Regular Down payment Assistance Program is available for down payment and closing costs.

      Reservations will be selected through a lottery system. The lottery will be open for reservations Monday, July 25, through Wednesday, July 27. Winners will be notified by e-mail by Friday, July 29. All applicants MUST have a fully-executed contract when the loan is reserved

      Fill out my form for your next KHC mortgage loan. It’s free and only takes 5 minutes. !

      Key Financial Mortgage of KY is a licensed mortgage company in the state of Kentucky (NMLS#1800) Key Financial Mortgage of KY is not a part of, nor are we affiliated with, the VA, FHA/HUD, USDA. These entities are a government agencies, not a lender. They simply insure the mortgages; they do not loan the money. Joel Lobb (NMLS#57916) is a licensed mortgage loan officer in the state of Kentucky.

      Free Credit Report and Pre qualifications available anytime.

      .

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