A Kentucky Mortgage Loan Officer that has closed over 600 home loans specializing in Kentucky First Time Homebuyer Loans to include the following FHA, VA, USDA, Rural Housing, Down Payment Assistance Loan from Kentucky Housing Corp or KHC and the Fannie Mae Home Path HUD $100 Down Mortgage Program in Kentucky. This website is not an government agency, and does not officially represent the HUD, VA, USDA. FHA, Fannie Mae or any other government agency. NMLS# 57916 Equal Housing Lender Call or Text 502-905-3708 with your mortgage questions or email email@example.com I try to respond to all requests within minutes during regular business hours.
More than 27 million veterans and service personnel are eligible for VA financing. Even though many veterans have already used their loan benefits, it may be possible for them to buy homes again with VA financing using remaining or restored loan entitlement. CLICK HERE for an on-line reference guide. I have originated VA loans for 13 years. Call me and I will walk you through the process and I will order your Certificate of Eligibility.
Don’t let the program name fool you. Many homes in our area are eligible for 100% financing with USDA Rural Housing loan program. There is an income limit associated with this loan product so call me to determine if your household income qualifies. CLICK HERE to see if a particular property address qualifies for this type of financing.
LOW DOWN PAYMENT OPTION
FHA has a low down payment of 3.50% of the sales price.
Acceptable documented sources for this down payment include:
Checking and savings accounts
401K or other retirement plan withdrawal or loan
IRS or State income tax refund
Bonus income from employment
Gift from a relative or close friend
Loan from a relative or friend
Sale of a documented item such as a car, motorcycle or boat
Cash value from life insurance policy
Secured loan (not a personal loan)
Money awarded from a law suit
Grant from State or City when available.
DOWN PAYMENT ASSISTANCE
The State or City in which you want to purchase may have down payment assistance available. Please ask me for details.