Kentucky Housing Corporation’s (KHC) master commissioner sales for Kentucky Housing Foreclosures

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Kentucky First Time Home Buyer Programs for 2017 FHA, VA, KHC, USDA, RHS, Fannie Mae Loans in Kentucky

331 E 6TH STREET 12/19/2016
250 HOLLEY TRAIL 12/2/2016
339 E ALEXANDRIA PIKE 12/13/2016
1111 SHADY LAND CHURCH RD 12/3/2016
808 LOST TRAIL CIRCLE 12/5/2016
1304 SEQUOIA DRIVE 12/16/2016
LEXINGTON, KY 40517-3533
1422 WURTELE AVENUE 12/9/2016
8712 MANSLICK RD 12/9/2016
1276 MORGAN AVE 1/13/2017
1106 CLAYBOURNE ROAD 1/13/2017
1529 BICKNELL AVE 1/13/2017
1108 VINEWOOD RD 1/13/2017
705 SAGE DRIVE 12/14/2016
575 DUGOUT DR 1/9/2017
87 MT VERNON RD 12/12/2016
310 BEECH ST 12/15/2016

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Kentucky First Time Home Buyer Grants and Loan Programs

Louisville Kentucky Mortgage Grants And Down payment Assistance, Kentucky FHA HUD Homes for $100 Down100 down kentucky fha loan, Bullitt County Ky, fha, FHA insured loan, fha kentucky, Fixed rate mortgage, Frankfort Kentucky, Kentucky, kentucky housing corp, Lexington Kentucky, Louisville Kentucky, Mortgage loan, Oldham County Ky, Paducah Kentucky, Refinancing, va
Kentucky First Time Home Buyer Grants and Loan�Programs

Kentucky FHA Mortgage Loans Guidelines

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USDA Streamline Product: Streamline Assist for all USDA Kentucky Homeowners of current USDA mortgages for refinances

refinance kentucky rural housing refinance streamline refinance streamline refinance ky mortgage usda refinance
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Rural Housing Funds for Kentucky USDA Loans

Kentucky USDA Rural Housing Mortgage Loans

I now offer the USDA Streamline Product: ‘Streamline Assist’ for all USDA Kentucky Homeowners for refinances 
Take advantage of our Kentucky Rural Development USDA Streamline Refinance today!
  • Min 640 FICO
  • No appraisal
  • 30 year fixed only
  • Rate term only
  • No GUS run
  • No household income calculation
  • Mortgage only credit report
  • 2nd mortgage liens must be subordinated, but no max CLTV
  • Borrowers may be added but not removed from current loan
  • Max loan amount may include P&I balance of existing loan, eligible loan
    closing costs, funds necessary to establish tax and insurance escrow account
    and upfront guarantee fee
  • NTB must be met – $50 reduction in PITI plus annual fee payment
  • Seasoning required – 12 months timely payments prior to new application
  • Streamlined application:
    * No income
    * Disclose assets only if needed to close
    * No liabilities listed other than mortgage to be refinanced
    * REO –…

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Kentucky USDA Rural Housing Loans Have Funds Now for 2016 and 2017

100% Rural Housing loan in Kentucky2016 USDA Changes in KentuckyDown Payment Assistance Program – Housing – Louisville KyFannie Mae New Lending Guidelines for KentuckyFirst Time Home Buyer in Kentucky Zero DownFirst Time Home Buyer Program Specialist-Zero Down LoansKentucky First Time Home Buyer Education LinksKentucky Mortgage ApprovalKentucky State Loan ProgramsKentucky State Mortgage RatesLouisville First Time Buyer Mortgages

Louisville Kentucky Mortgage Rates

Kentucky Rural Development Guaranteed Loans for USDA Funds are now Available!

USDA Announced TODAY, 10/17/16, that funding is now available with the Rural Development Guaranteed Loan Program!  So this means any loans with a “conditional commitment” will be obligated in their system within the next 2-3 days.  This should fund this wonderful program through 9/30/17.  As you know we are Kentucky Rural Housing  USDA experts and are ready to help Kentucky Home
Buyers and Kentucky RHS USDA homeowners!


Looking for 100% Financing?
Check out
 Kentucky RHS USDA Product!

  • Effective 10/1/2016 the Up Front Guarantee Fee is reduced to 1.0%*
  • No down payment required
  • Up to 6% Seller Concessions
  • Minimum 640 FICO
  • Aggressive Interest Rates/ Pricing for 30 year fixed rate
  • For list of eligible properties: USDA Property Eligibility
  • For income eligibility limits: USDA Income Eligibility

*Note – the up front guarantee fee may be financed into the loan

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12 New Fannie Mae Homes in Kentucky

12 New Fannie Mae Homes in Kentucky



$179,900Just Listed

5613 Wooded Lake Dr
Louisville, KY 40299

3 Beds |3 Baths | 1278 sq. ft.

View Property

$63,000Back on Market

1214 Reutlinger Ave
Louisville, KY 40204

1 Beds |1 Baths | 738 sq. ft.

View Property

$119,900Price Reduced

8020 Us Highway 23 S
Pikeville, KY 41501

4 Beds |1 Baths | 3140 sq. ft.

View Property

$24,900Price Reduced

895 Ellison Bend Rd
Williamsburg, KY 40769

3 Beds |1 Baths | 896 sq. ft.

View Property


541 Warnock St
Louisville, KY 40217

2 Beds |1 Baths | 876 sq. ft.

View Property


17310 Polo Fields Ln
Louisville, KY 40245

4 Beds |3 Baths | 2629 sq. ft.

View Property

Coming Soon

727 Agawam Rd
Winchester, KY 40391

4 Beds |3 Baths | 2466 sq. ft.

View Property

Coming Soon

1983 Cathy Ln
Lexington, KY 40511

3 Beds |1 Baths | 925 sq. ft.

View Property

Coming Soon

2024 Woodmere Ct
Hebron, KY 41048

4 Beds |2.5 Baths | 2102 sq. ft.

View Property

Coming Soon

783 S Shelby St
Louisville, KY 40203

4 Beds |1.5 Baths | 1887 sq. ft.

View Property

Coming Soon

2793 Cappel Ct
Hebron, KY 41048

3 Beds |2 Baths | 1031 sq. ft.

The program is targeted to:
Households whose gross annual income does not exceed $35,000.
An existing or new construction property (purchase price limit $115,000).
640 minimum credit score.
FHA, VA or RHS first mortgage options.
Households who meet one of the following criteria:
At least one of the home buyers is age 62 or older.
At least one member of the household is disabled and is receiving disability income.
A single- or two-parent household with at least one dependent child under the age of 18 living in the household.
Borrowers with properties located in Non-targeted counties must be a first time homebuyer — no ownership interest in the last 3 years.
Borrowers with properties located in Targeted counties can be a repeat home buyer.
Loan Type
Rate without Down Payment Assistance
Rate with Down Payment Assistance

RHS Streamlined-Assist Refinance Program
RHS USDA Recent News
Good news! Kentucky Mortgage holders of USDA Mortgage loans can get  new drastically lower fees starts with commitments starting tomorrow October 1.  If you have an  USDA eligible Loan up to $417,000 with no money down in most Kentucky Counties.
If you have questions about qualifying as first time home buyer in Kentucky, please call, text, email or fill out free prequalification below for your next mortgage loan pre-approval.

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 views of my employer. Not all products or services mentioned on this site may fit all people

How to Get Your VA Certificate of Eligibility for a VA Home Loan Approval.


TIP #1: If you don’t have an urgent need (like an impending closing date), or a potentially deal-breaking question or concern please give VA a few business days to process your COE request, before checking on status.
Currently, the majority of our incoming calls relate to Certificate of Eligibility (COE) processing – particularly requests for status updates. While VA’s COE staff is here to help answer your questions about COEs, it is important to note that the staff is currently processingCOE requests in about 4 business days, on average. Despite system enhancements that allow us to provide you instant COEs in over two-thirds of cases, record-setting loan volume means that our COE staff is working as hard as ever to process the remainder as quickly as possible.
TIP #2: Please be sure the “T’s” are crossed and the “I’s” are dotted prior to submission of a COE request. Providing a complete and accurate submission increases the probability that VA can process your request instantaneously.
We sometimes find that COE requests are missing critical pieces of information or that the submitter has forgotten to provide a required form (such as a National Guard member’s NGB-22 or a Reservist’s Points Statement). It may also be helpful to proof the forms you’re uploading to ensure they’re legible and complete. We find that oftentimes, submissions cannot be processed immediately online, only because a key data field or required piece of evidence is illegible, or missing.
Some commonly required (but often omitted) forms are:
  • For Veteran borrowers, the DD214 copy that includes the Character of Service
  • For Reservist borrowers, the Point Statements document, which proves 6 Creditable Years and Character of Service
  • For National Guard borrowers, the Form NGB 22
  • For Active-Duty Servicemember borrowers, the Statement of Service from a commanding officer
TIP #3: Please help us help you with your ‘special requests’ regarding COEs.
If your borrower has a special circumstance that requires you to submit a request for more than just a standard COE issuance, it is helpful to provide details about that special circumstance in the “Notes” field of the COE submission page. Our staff can process your full request in an accurate and timely fashion if all the details are easily discernable.
For example, if your borrower is submitting evidence of a name change along with her request for a COE, and you note both requests in the submission, our staff can easily and quickly discern that two actions are required of them and quickly process your request. If that same submission did not note the requested name change, staff may attempt to process only the COE request and initially reject it, due to non-matching information in our system. The “Notes” field can be found in the left-side vertical toolbar on the submission page.
 TIP #4: Please be sure your COE request makes it to the Internet in complete form.
You may be used to other online web forms that allow you to hit “Enter” on your keyboard to navigate through sections of the form or complete a transaction. However, our online COE tool is a bit different. Hitting “Enter” to navigate through the page can result in your incomplete form being submitted to VA. If you hit “Enter” multiple times, we can get multiple incomplete requests for the same COE. Please also note that after you complete the form/process, you should click the “Submit” button in order for the request to be transmitted to our processing system. The “Submit” button can be found at the bottom center of the COE submission page.
 TIP #5: If you’re stuck or have a general question, you may find the answers you need in our web tutorials and guides.
Helpful information can be found at:
  • The Lender’s Tutorial “How to Order a Certificate of Eligibility on the VA Portal” [click here]
  • Information on how to correct your COE submission [click here]
TIP #6: If you have issues with the web form or are experiencing other technological issues, the BEST way to report a problem or get help with a problem, is to email the system Help Desk rather than call the COE toll-free line.

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

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, ( I lend in the following states: Kentucky




Can you do a Kentucky VA Cashout Refinance Mortgage Loan Up to 100% of the home’s value?

Does VA allows 100% equity  Cash-Out on Refinances for Kentucky VA Mortgages?

Yes is the simple answer, but a lot of VA lenders will only go to 90%, so be careful shopping out there for quotes and qualifying info.

VA allows Kentucky VA Mortgage holders and veterans to finance 100% of the purchase price of a home, but they also allow Kentucky VA Mortgage veterans to take cash-out up to 100% of the value of their home! You are still subject to the funding fee unless disabled, and the cash out maybe limited in hand depending on your credit score.

  • Cash-Out Refinance up to 100% .Higher Credit Scores may be needed to get cash in hand after paying off existing mortgage. Subject to debt to income limits and acceptable appraisal. VA termite required again.
  • Min FICO 620 with no bankruptcies or foreclosure last 2 years
  • Max Loan Amount subject to VA County Loan Limits
  • 0 x 30 days on mortgage in last 12 months
  • Can pay off existing VA, FHA or conventional mortgage (Note there MUST BE an existing lien against the property)
  • Must be first lien and owner occupied by the Veteran applicant. (Note: Property may NOT be owned free & clear)
  • Owner-occupancy cert is required
  • Properties listed for sale in the previous 6 months, prior to the date of the application (& appraisal) are not eligible


Joel Lobb (NMLS#57916)
Senior  Loan Officer
Text or Call 502-905-3708 cell

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.
All approvals and rates are not guaranteed, and are only issued based on standard mortgage qualifying guidelines

Kentucky Housing Offering 2% fixed 30 year fixed rate home loans for Kentucky First Time Home Buyers with household incomes less than $35,000

Louisville Kentucky Mortgage Loans

  KHC is offering a very low fixed rate on a first-come, first-serve basis for Kentucky Home Buyers.  It can be used for FHA, VA, USDA  and still go no money down with this low rate. The $6000…

Source: Kentucky Housing Offering 2% fixed 30 year fixed rate home loans for Kentucky First Time Home Buyers with household incomes less than $35,000

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Kentucky VA Streamline Refinance Guidelines for 2016 IRRL VA Home Loans





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Kentucky VA Mortgage Guidelines for 2016