Home Loans for Kentucky’s Military Veterans

Home Loans for Kentucky’s Military Veterans

Kentucky Housing Corporation (KHC) has $3 million available in Mortgage Revenue Bond (MRB), special funding, for active or non-active duty veterans at 2 percent interest rate, fixed for 30 years. This special funding program is available on a first-come, first-served basis starting Wednesday, September 6, 2017, with new reservations.​

FIND A KHC-APPROVED LENDER TO APPLY  

This homeownership program is targeted to:
  • Households whose gross annual income does not exceed $40,000.
  • An existing or new construction property (purchase price limit $130,000).
  • 620 minimum credit score.
  • FHA, VA, or RHS first mortgage options.
  • Households who include active duty or non-active duty veterans. Documentation may include but not limited to:
    • Leave and Earnings Statement (LES)
    • DD214 – Discharge from Active Duty
    • VA Award Letter
  • Must meet insuring agency guidelines.
  • Available statewide.
Down payment Assistance Programs (DAP) available up to $6,000. Qualifications apply.

How to Apply

For all KHC loans, a home buyer must apply through a KHC-approved lender. We partner with approved lenders across the state to provide you with the best mortgage loan options. By doing this, the buyer will know how much house they can afford based on income and debts. KHC’s loans are subject to certain restrictions that the lender will see if meet the qualifying guidelines. Additionally, the lender will be able to recommend any KHC down payment assistance for which you may qualify.
APR 3.058%  – based on $130,000 FHA loan at 2% interest rate.
Operation KY Home – MRB Special Funding Program
KHC has $1.8 million available in MRB, Special Funding, for active or non-active duty veterans at a 2 percent interest rate, fixed for 30 years. This special funding program is available on a first-come, first-served basis.
More information is available at www.OperationKYHome.com.

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List of Government Foreclosed Homes in Kentucky to include VA, FHA, HUD, Fannie Mae and USDA

Photo City State ZipCode Beds Baths Sq. Ft. Price
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ALEXANDRIA KY 41001 3.0 2.5 1848 $126,900.00
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ANNVILLE KY 40402 3.0 2.0 2144 $49,900.00
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BELFRY KY 41514 3.0 2.0 1800 $65,900.00
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BLAINE KY 41124 11.0 0.0 0 $17,500.00
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BOSTON KY 40107 4.0 1.5 1612 $64,000.00
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BRANDENBURG KY 40108 3.0 2.5 1772 $154,900.00
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BURLINGTON KY 41005 3.0 2.5 1966 $127,900.00
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CAMPBELLSBURG KY 40011 3.0 2.0 1904 $50,000.00
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CAMPTON KY 41301 2.0 2.0 1650 $17,900.00
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CATLETTSBURG KY 41129 3.0 2.0 1765 $21,900.00

$115,000Just Listed

5129 Catesville Providence Rd
Dixon, KY 42409

3 Beds |2 Baths | 1605 sq. ft.

View Property

$22,900Just Listed

1338 Hazen St
Covington, KY 41016

1 Beds |1 Baths | 912 sq. ft.

View Property

$75,500Just Listed

520 E 20th St
Covington, KY 41014

4 Beds |2 Baths | 2266 sq. ft.

View Property

$62,000Just Listed

719 E 7th St
Hopkinsville, KY 42240

3 Beds |2 Baths | 4167 sq. ft.

View Property

$15,000Back on Market

2030 Clay St
Paducah, KY 42001

4 Beds |2 Baths | 1660 sq. ft.

View Property

Coming Soon

3848 W Muhammad Ali Blvd
Louisville, KY 40212

2 Beds |1 Baths | 720 sq. ft.

View Property

Coming Soon

7097 N Dixie Hwy
Bonnieville, KY 42713

2 Beds |1 Baths | 877 sq. ft.

View Property

Coming Soon

910 S 44th St
Louisville, KY 40211

3 Beds |2 Baths | 1422 sq. ft.

View Property

Coming Soon

2250 Clearwater Dr
Lawrenceburg, KY 40342

3 Beds |2.5 Baths | 1819 sq. ft.

View Property

 

3109 HORSESHOE CT, CRESTWOOD KY 40014

$178,500.00

Photo

Bed/Bath: 3.0/2.0
Year Built: 2001
Square Feet: 1748
Lot Size: 1-2 ac
MLS: 1460336
Property Type: Single Family
Status: Not Available – Pending Sale

Check out this spacious walk out ranch with 3 BR’s & 2 full bath with a split floor plan located on 1.25 acres. This house sits on a partially wooded lot on a quiet cul-de-sac in Kentucky Acres. Vaulted ceiling in the living room with fireplace and tile flooring. Nice eat in kitchen which has lots of cabinets and counter space. HUGE family room in the basement and also 2 car garage in the lower level. If built prior to 1978 lead-based paint potentially exists. Seller’s name is Secretary of Veterans Affairs. Seller does not pay customary closing cost: including title policy, escrow fees, survey or transfer fees. Proof of funds required on cash transactions; Lender pre-approval letter for financed offer (dated within last 30 days).

Property Details
Basement Description: Finished SQFT:1193
Sewer Description: Waste DisposalSeptic
Utilities Description: Water SourcePublic
List Price: $178,500.00
List Date: 10/12/2016

Listing Agent

Sherry Bennett Webb
Bennett Webb Realty
c21sherry@aol.com
(502) 245-2105

Search Results for HUD Homes in KY

1 | 2 | 3 |
42 listings found
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Property Case Address Price Status Bed Bath Listing Period Bid Open Date Details 
201-356622 206 Pappy Dr
Oak Grove, KY, 42262
Christian County
$88,000 3 2.00 Extended  01/02/2017 View Street
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201-363952 3807 Maxon Rd
Paducah, KY, 42001
Mccracken County
$100,000 3 2.00 Extended  01/02/2017 View Street
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201-364387 10205 Winding River Way
Louisville, KY, 40229
Jefferson County
$99,000 2 2.10 Exclusive  01/02/2017 View Street
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201-369019 57 Sea Cadet Rd
Lancaster, KY, 40444
Garrard County
$120,000 3 2.00 Extended  01/02/2017 View Street
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201-370520 10010 Park Lake Dr
Louisville, KY, 40229
Jefferson County
$87,000 3 2.00 Exclusive  01/02/2017 View Street
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201-376124 308 Grant Ave
Oak Grove, KY, 42262
Christian County
$90,000 3 2.00 Extended  01/02/2017 View Street
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201-376390 3668 Bold Bidder Dr
Lexington, KY, 40517
Fayette County
$115,000 3 2.00 Extended  01/02/2017 View Street
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201-379788 2557 Ratliff Creek
Pikeville, KY, 41501
Pike County
$121,500 4 2.20 Extended  01/02/2017 View Street
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201-383534 6246 Main St
Burlington, KY, 41005
Boone County
$99,200 3 2.10 Extended  01/02/2017 View Street
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201-383947 265 Clifton Ln
Owenton, KY, 40359
Owen County
$132,000 3 2.00 Exclusive  01/02/2017 View Street
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201-385672 555 Saint Anthony D
Lexington, KY, 40505
Fayette County
$90,000 4 2.00 Extended  01/02/2017 View Street
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201-389790 151 Robards Ct
Harrodsburg, KY, 40330
Mercer County
$78,000 3 2.00 Extended  01/02/2017 View Street
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Email Info
201-389913 5256 Jewell Ln
Paducah, KY, 42001
Mccracken County
$184,500 4 2.00 Extended  01/02/2017 View Street
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Email Info
201-395311 64 Mossey Oak Rd
Whitley City, KY, 42653
Mccreary County
$95,000 4 1.00 Exclusive  01/03/2017 View Street
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Email Info
201-396495 470 Poplar Haven Rd
Scottsville, KY, 42164
Allen County
$176,000 4 3.00 Extended  01/02/2017 View Street
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Email Info
201-401895 6800 Sandstone Blvd
Louisville, KY, 40219
Jefferson County
$80,000 3 1.10 Extended  01/02/2017 View Street
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Email Info
201-407017 301 E 1st St
Silver Grove, KY, 41085
Campbell County
$105,000 5 2.00 Extended  01/02/2017 View Street
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201-409412 145 Tumbleweed Cour
Elizabethtown, KY, 42701
Hardin County
$170,000 3 2.00 Extended  01/02/2017 View Street
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Email Info
201-430492 7808 Pleasure Walk Cir
Louisville, KY, 40258
Jefferson County
$77,400 2 2.00 Extended  01/02/2017 View Street
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Email Info
201-432835 716 Idaho Ln
Owensboro, KY, 42301
Daviess County
$77,000 3 1.00 Exclusive  01/02/2017 View Street
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201-436876 116 Cherokee Dr
West Van Lear, KY, 41268
Johnson County
$152,000 3 2.10 Extended  01/02/2017 View Street
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Email Info
201-437021 75 Phillips Lane
London, KY, 40741
Laurel County
$75,000 3 2.00 Extended  01/02/2017 View Street
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Email Info
201-445253 8303 Smyrna Pkwy
Louisville, KY, 40228
Jefferson County
$105,000 3 2.00 Exclusive  01/02/2017 View Street
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201-451036 339 College Manor
Harrodsburg, KY, 40330
Mercer County
$75,000 3 1.00 Extended  01/02/2017 View Street
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Email Info
201-452225 176 Ratliff Rd
Pikeville, KY, 41501
Pike County
$172,800 4 2.00 Extended  01/02/2017 View Street
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Email Info
201-454711 2520 W Jarvis Rd
Ashland, KY, 41102
Boyd County
$86,000 2 1.00 Extended  01/02/2017 View Street
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Email Info
201-456418 102 Forest Hill Dr
Hodgenville, KY, 42748
Larue County
$125,000 3 2.00 Extended  01/02/2017 View Street
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Email Info
201-462007 129 Bourne Ave
Somerset, KY, 42501
Pulaski County
$90,300 6 2.00 Exclusive  01/02/2017 View Street
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Email Info
201-471777 60 Cloud Subdivision
London, KY, 40741
Laurel County
$78,300 2 1.00 Extended  01/02/2017 View Street
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Email Info
201-472986 1107 Donald St
Ashland, KY, 41102
Boyd County
$86,000 3 2.00 Exclusive  01/09/2017 View Street
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Email Info
201-473861 927 Summitridge Ln
Erlanger, KY, 41018
Kenton County
$126,000 2 2.00 Extended  01/02/2017 View Street
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Email Info
201-475559 101 Sandy Hills Cir
Corbin, KY, 40701
Laurel County
$95,000 3 2.00 Extended  01/02/2017 View Street
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Email Info
201-481162 60 Grant Dr
Somerset, KY, 42503
Pulaski County
$116,100 3 2.00 Extended  01/02/2017 View Street
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Email Info
201-491948 102 Grant Drive
Lawrenceburg, KY, 40342
Anderson County
$80,000 3 1.00 Extended  01/02/2017 View Street
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Email Info
201-506662 1802 Jefferson Ave
Covington, KY, 41014
Kenton County
$76,000 3 1.10 Extended  01/02/2017 View Street
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201-511886 407 Western Ave
Covington, KY, 41011
Kenton County
$88,000 2 1.00 Exclusive  01/02/2017 View Street
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201-515013 3422 Olive Rd
Louisville, KY, 40219
Jefferson County
$90,000 3 2.10 Exclusive  01/02/2017 View Street
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201-526573 8819 Old Ironsides
Louisville, KY, 40228
Jefferson County
$110,000 3 1.00 Exclusive  01/02/2017 View Street
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201-537022 139 Lake Forest Dr
Georgetown, KY, 40324
Scott County
$126,000 3 2.00 Exclusive  01/02/2017 View Street
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201-540500 3841 Carpenter Dr
Owensboro, KY, 42301
Daviess County
$78,000 3 1.00 Exclusive  01/09/2017 View Street
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Email Info
1 | 2 | 3 |

 

 

12 New Fannie Mae Homes in Kentucky

12 New Fannie Mae Homes in Kentucky

HomePath

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

$63,000Active

541 Warnock St
Louisville, KY 40217

2 Beds |1 Baths | 876 sq. ft.

View Property

$327,500Active

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
FHA, VA & RHS
2.00%
2.00%

RHS Streamlined-Assist Refinance Program
3.50%
.
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
 

Kentucky Refinance Streamline Guidelines for an IRRL

Kentucky VA Streamline

Kentucky VA Streamline

 Kentucky VA IRRRL Refinance benefits:
No Income, No Assets, No Appraisal

Allowed on 2nd homes and Non-owner occupied proof veteran occupied the property at one time required Refinance of Existing VA loan up to $417,000 (loan amounts are based on VA worksheet)
No Appraisal, no income, and no asset documentation – including funds to close Existing Loan Term can be extended up to 30 years
Minimum 620 credit score required Reduced guarantee fee of .5%
No additional pricing adjustment for VA IRRRL transactions Term reduction allowed on VA IRRRL (payment cannot increase by more than 20%)

 
Joel Lobb
Senior  Loan Officer

(NMLS#57916)
American Mortgage Solutions, Inc.
800 Stone Creek Pkwy, Ste 7,
Louisville, KY 40223
 Fax:     (502) 327-9119
 
 Company ID #1364 | MB73346

 CONFIDENT

Kentucky VA Loan Cash Out Refinance Guidelines for 2014

Kentucky VA Loan Cash Out Refinance Guidelines for 2014

Kentucky VA Cash Out Refinance:

  • Now up to 100% of the home’s value or LTV – Plus VA Funding Fee Financed
  • Minimum Credit Score of 680 Required –
  • Approve/Eligible DU AUS Findings
  • Max DTI 45.00% –
  • Must Meet Minimum VA Guarantee Requirements

Louisville Kentucky VA Refinance for Cashout, rate and term, and IRRL streamline VA refinance Mortgage

Featured

Louisville Kentucky VA REFINANCE Mortgage Guidelines

 

RATE/TERM REFINANCE
  • Anything being paid off other than a first mortgage lien is considered cash out.
  • Buyout of spouse’s equity per divorce decree.
  • Borrower may not receive more than $500.00 cash at closing.
  • Total loan amount is limited to 90% LTV plus Funding Fee.
  • No refinances are allowed within 90 days of the property being listed for sale.
  • The loan may be eligible for refinance after 30 days of the property being listed with the following compensations:
    • Letter of explanation containing the reason the property was listed for sale; the reason the property was taken off of the market; and the borrower’s plans for the property over the next 12 months.
    • Application cannot be dated prior to 30 days after the property has been taken off of the market or the listing has expired.
    • 0x30 payment history required over the previous 12 months.
  • For limited cash out or rate/term refinances, any non‐mortgage debts, collections, judgments or liens that are to be paid off must be paid prior to closing in order for the transaction to be considered as a limited cash out or rate/term refinance.
INTEREST RATE REDUCTION REFINANCE LOAN (IRRRL)
  • Primary Residence refinances only; Non-owner occupied and second homes are not eligible.
  • Must be refinancing a current VA insured mortgage.
  • All borrowers on previous Note must be on new Note.
  • Maximum term is term of the original loan plus up to 10 years not to exceed 30 years.
  • The new interest rate must bear a lower interest rate than the loan it is refinancing (unless the loan is an adjustable rate mortgage)
  • Subordinate financing may remain at max 125% CLTV. Subordinate lender must agree to re-subordination.
  • A credit report and 620 minimum credit score is required but sections V, VI and a-k of VIII of the application are not required to be completed.
  • As of December 1, 2010, employment information for the borrower(s) is now required to be completed on the loan application (Section IV). No income amount or income information is required. Only a Verbal VOE will be completed.

Minimum 2055 conventional appraisal is required.

The total loan amount (base loan amount + VA funding fee = Total loan amount) must be supported by the value of the property. Appraised value must be equal to or greater than the total loan amount. Max LTV/CLTV is 100%.

  • Employment and Income documentation is not required.
  • Borrower may not receive more than $500.00 cash at closing.
  • No refinances are allowed within 6 months of the property being listed for sale.
  • 0x30 payment history required over the previous 12 months.
  • Borrower must have made a minimum of 6 payments on current mortgage with 0x30 pay history to be eligible for VA IRRRL.
  • Borrower must credit qualify if:
    • New P&I increases more than 20% over previous Note P&I when the mortgage term is reduced or when refinancing from an ARM to a Fixed rate.
    • New P&I increases more than 20% over previous Note P&I on a primary residence or when a borrower is removed from the Note.

 

 Louisville Kentucky VA Refinance for Cashout, 
  • Total loan amount is limited to 90% LTV plus Funding.
  • No refinances are allowed within 6 months of the property being listed for sale.
  • LTV is based on the lesser of the appraised value or acquisition cost on properties with less than 6 months ownership seasoning.
  • 0x30 payment history required over the previous 12 months.

Interest Rate Reduction Refinance Loan

The VA Interest Rate Reduction Refinance Loan (IRRRL) lowers your interest rate by refinancing your existing VA home loan. By obtaining a lower interest rate, your monthly mortgage payment should decrease. You can also refinance an adjustable rate mortgage (ARM) into a fixed rate mortgage.

IRRRL Facts

  • No appraisal or credit underwriting package is required when applying for an IRRRL.
  • An IRRRL may be done with “no money out of pocket” by including all costs in the new loan or by making the new loan at an interest rate high enough to enable the lender to pay the costs.
  • When refinancing from an existing VA ARM loan to a fixed rate loan, the interest rate may increase.
  • No lender is required to give you an IRRRL, however, any VA lender of your choosing may process your application for an IRRRL.
  • Veterans are strongly urged to contact several lenders because terms may vary.
  • You may NOT receive any cash from the loan proceeds.

Eligibility

An IRRRL can only be made to refinance a property on which you have already used your VA loan eligibility. It must be a VA to VA refinance, and it will reuse the entitlement you originally used.

Additionally:

  • A Certificate of Eligibility (COE) is not required. If you have your Certificate of Eligibility, take it to the lender to show the prior use of your entitlement.
  • No loan other than the existing VA loan may be paid from the proceeds of an IRRRL. If you have a second mortgage, the holder must agree to subordinate that lien so that your new VA loan will be a first mortgage.
  • You may have used your entitlement by obtaining a VA loan when you bought your house, or by substituting your eligibility for that of the seller, if you assumed the loan.
  • The occupancy requirement for an IRRRL is different from other VA loans. For an IRRRL you need only certify that you previously occupied the home.

Application Process

A new Certificate of Eligibility (COE) is not required. You may take your Certificate of Eligibility to show the prior use of your entitlement or your lender may use our e-mail confirmation procedure in lieu of a certificate of eligibility.

Loan Limits

VA does not set a cap on how much you can borrow to finance your home. However, there are limits on the amount of liability VA can assume, which usually affects the amount of money an institution will lend you. The loan limits are the amount a qualified Veteran with full entitlement may be able to borrow without making a down payment. These loan limits vary by county, since the value of a house depends in part on its location.

The basic entitlement available to each eligible Veteran is $36,000. Lenders will generally loan up to four times a Veteran’s available entitlement without a down payment, provided the Veteran is income and credit qualified and the property appraises for the asking price. See Loan Limits for more information about the limits in your county.

VA Funding Fee

Generally, all Veterans using the VA Home Loan Guaranty benefit must pay a funding fee. This reduces the loan’s cost to taxpayers considering that a VA loan requires no down payment and has no monthly mortgage insurance. The funding fee is a percentage of the loan amount which varies based on the type of loan and your military category, if you are a first-time or subsequent loan user, and whether you make a down payment. You have the option to finance the VA funding fee or pay it in cash, but the funding fee must be paid at closing time. You do not have to pay the fee if you are a:

  • Veteran receiving VA compensation for a service-connected disability, OR
  • Veteran who would be entitled to receive compensation for a service-connected disability if you did not receive retirement or active duty pay, OR
  • Surviving spouse of a Veteran who died in service or from a service-connected disability.

The funding fee for second time users who do not make a down payment is slightly higher. Also, National Guard and Reserve Veterans pay a slightly higher funding fee percentage. See Loan Fees for more information about loan costs. Some lenders offer IRRRLs as an opportunity to reduce the term of your loan from 30 years to 15 years. While this can save you money in interest over the life of the loan, you may see a very large increase in your monthly payment if the reduction in the interest rate is not at least one percent (two percent is better).Beware: It could be a bigger increase than you can afford.

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*

Academy-Mortgage-Apply-Now

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Louisville Kentucky VA Refinance Loans

Featured

Louisville Kentucky VA Refinance Loans

VA Refinancing for Kentucky VA Mortgages
Can the VA Loan help me lower my monthly bills?
The VA has two major refinance programs. One, the Interest Rate Reduction Refinance Loan, better known as a VA Streamline, helps homeowners get into a lower-rate mortgage to reduce their monthly payment. VA Streamlines come with minimal hassle and paperwork. The VA does not require appraisals or credit checks on Streamlines, but some lenders have recently made them mandatory. We are still able to process some Streamlines without an appraisal, which is a tremendous benefit given the decline in home values across the country. Homeowners have to pay closing costs on a VA Streamline. But these can be rolled into the overall loan amount, along with up to $6,000 in energy efficiency improvements.
Can I refinance my home if I don’t currently have a Kentucky VA Loan?
Kentucky Veterans and active duty homeowners who qualify can refinance into a KEntucky VA loan using the program’s cash-out refinance program. The process for obtaining a Cash-Out Refinance is similar to the process borrowers go through for a VA purchase loan, from the income verification and debt-to-income ratio to a home appraisal. Qualified homeowners with conventional or FHA mortgages do not have to take out cash when they refinance into a VA loan. But they are ineligible for the simpler VA Streamline program.

502-905-3708 or click on link to apply for your free VA refinance loan in Ky. Same day loan approval