Category Archives: Credit Scores

Debt to Income Ratios for A Kentucky Mortgage Loan


Debt to Income Ratios for A Kentucky Mortgage Loan There are two debt-to-income (DTI) ratios on every loan: housing or front-end ratio and total or back-end ratio. The housing ratio tells us what percentage of the borrower’s monthly gross income is allocated toward the monthly principal, interest, tax, and insurance (PITI) payment. The total ratio […]
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Kentucky FHA Credit Score Requirements for 2014, Based on Lender Feedback


Kentucky FHA Credit Score Requirements for 2014,  We’ve spent the last few days querying mortgage lenders about their credit score requirements for FHA loans. Specifically, we asked lenders if they expect to make any major changes next year, as far as credit scores are concerned. As it turns out, FHA credit score requirements in 2014 […]
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Ditch your spouse when buying that house – NASDAQ.com


Ditch your spouse when buying that house – NASDAQ.com. Based on the worst credit score  “Your spouse’s lower score might make it hard to get a mortgage or get a mortgage at a good rate,” says Anthony Sprauve, director of public relations with myFICO.com in San Jose, Calif.   “Lenders don’t take an average between your two […]
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Signs of credit-score easing for buyers as market softens | Business & Technology | The Seattle Times


Signs of credit-score easing for buyers as market softens | Business & Technology | The Seattle Times.

5 Ways to Rebuild Your Credit Score


5 Ways to Rebuild Your Credit Score for a Kentucky Mortgage loan. USDA, FHA, VA, Fannie Mae generally all require a 620 to 640 score on most applicants now. Louisville Kentucky FHA , VA, USDA, Fannie Mae Pinned byLouisville Kentucky Mortgage FHA, VA, KHC, USDA, Fannie Mae OntoLouisville Kentucky FHA , VA, USDA, Fannie Mae […]
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Get Your Credit Answers: Get a copy of your free credit report


Get Your Credit Answers: Get a copy of your free credit report. via Get Your Credit Answers: Get a copy of your free credit report. Get Your Credit Answers Step 1:   Get Your Free Credit Report in 2012 All consumers in the US are entitled to receive one free credit report each year from each […]
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How Is My Credit Score Calculated?


How Is My Credit Score Calculated?. via How Is My Credit Score Calculated?. Related Articles 5 Ways to Improve your Credit Score (edmontonmortgagecoach.com) About Credit Scores (clear-your-bad-credit.com) How Much Is Your Credit Score Costing You? (edmontonmortgagecoach.com) 7 Little Know Ways to Improve Your Credit Score (casteleynmd.wordpress.com) Credit scores in San Joaquin Valley took big hit […]
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Mortgages and Credit Scores


Mortgages and Credit Scores. via Mortgages and Credit Scores. Related Articles 5 Tips For Getting a Mortgage in Today’s Housing Market (business.time.com) How Your Credit Score Can Affect Your Mortgage Payment (realtorpegsdblog.wordpress.com) Can You Really Build Credit Without Credit Cards? (bargaineering.com) Credit Scores: What They Are and How They Work (raleighdurhambankruptcylawyer.com) Minimum Credit Score Needed […]
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Credit Scores required for A Kentucky First Time Home Buyer in 2013


Have you ever thought what kind of credit score it takes to buy a home in Kentucky in 2013. I have supplied some examples below for Kentucky First Time Home Buyers so they can arm themselves with some knowledge and feel comfortable and confident when they take that step to get pre-approved to buy a […]
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Restoring your credit scores after filing for bankruptcy


Restoring your credit scores after filing for bankruptcy.