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FHA Mortgage Requirements for Louisville Ky First Time Home Buyers

Kentucky FHA home loans for Louisville Ky First Time Home Buyers . I would like to share some other information with you on this subject. Please click below to go to my Best Kentucky FHA Home Loans page to read on the various kinds of Kentucky FHA Loans available to you for Louisville Ky First Time Home Buyers

Rent vs Own Comparison

	Rent	Own A Home
Program	None	FHA Buydown 30 Year Fixed	30 Year Fixed No PMI	USDA 30 Yr Fixed
Purchase Price	$0	$150,000	$150,000	$150,000
Down Payment	0%	3.50%	5.00%	0%
Down Payment $	$0	$5,250	$7,500	$0
Total Loan Amount	$0	$147,283*	$142,500	$153,000**
Interest Rate/ Annual Percentage Rate	0%	2.25%/3.56%	3.75%/3.85%	3.25%/3.29%
Monthly Payment	$900	$563***	$660	$666
Taxes	$0	$125	$125	$125
Home Insurance	$0	$50	$50	$50
Mortgage Insurance	$0	$169	$0	$51
Total Payment	$900	$982	$910	$967
Tax Savings****	$0	$179	$182	$184
After-Tax Payment	$900	$824	$749	$804

*Includes 1.75% Financed Mortgage Insurance Premium **Includes 2.00% Financed Funding Fee ***Payment $563 for year one(2.25% rate)-$653 payment for years 2-30(3.25% rate) ****28% tax bracket-Please consult your tax advisor for tax implications. All programs and terms are subject to change without notice.

34 thoughts on “FHA Mortgage Requirements for Louisville Ky First Time Home Buyers”

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Louisville Kentucky Mortgage says:

11/22/2011 at 9:56 pm

https://kentuckyfirsttimehomebuyer.com/2011/11/13/basic-kentucky…e-requirements/

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Louisville Kentucky Mortgage says:

12/16/2012 at 4:24 pm

Reblogged this on Kentucky USDA RHS Rural Housing Mortgage Loans.

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Louisville Kentucky Mortgage says:

03/20/2016 at 3:44 pm

mortgage rates, rates, VA Mortgage Rates and tagged Active duty, Annual percentage rate, Fannie Mae, FHA insured loan, fixed rate, Fort Knox, home, home loan, Jumbo mortgage, Kentucky, kentucky va loan, Loan, Louisville Kentucky, louisvlle, Maximum VA loan limits 2011, Mortgage loan, mortgage rates louisville ky, real estate, refinance, Refinancing, United States Department of Agriculture, va, VA Mortgage, Veteran by Louisville Kentucky Mortgage

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jopp says:

10/31/2016 at 11:32 am

ky home mortgage document requirements

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Louisville Kentucky Mortgage says:

10/31/2016 at 2:32 pm

In order to get you pre-approved, I will need the following items from you. This is a free process and I will give you a copy of your credit report for free

1. One full month’s or 30 days worth of pay stubs
2. Last 2 years W-2′s
3. Last 2 years tax returns
4. Last two months bank statements for all accounts including 401 k or retirement account if you have one.

_______________________________________________

I don’t need originals, copies are fine. You can fax or email me the above documents.

Let me know your questions.

Thanks and look forward to helping you.
—

Joel Lobb
Senior Loan Officer
(NMLS#57916)

American Mortgage Solutions, Inc.
10602 Timberwood Circle, Suite 3
Louisville, KY 40223

phone: (502) 905-3708
Fax: (502) 327-9119
kentuckyloan@gmail.com

http://www.mylouisvillekentuckymortgage.com

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As a life-long Kentucky resident, I have helped over 1300 Kentucky families buy or refinance their home over the last 20 years. You can trust me for your next mortgage loan. I deliver on what I say and I will give you honest, up-front personal attention you deserve for your home loan. I have several advantages over the big- mega banks in town. First, I can shop your loan thru different mortgage companies across the country to seek competitive rate options and programs that don’t fit regular bank guidelines, whereas most banks will offer offer you there one and only deal. I have access to over 15 different mortgage companies to broker your loan thru. You will not get lost in the shuffle like most borrowers do at the mega banks; your just not a number at our company, you are a person and we will treat you like one throughout the entire process. Free pre-approvals within 6 hours and get your loan closed within 15-30 days. Give us a try or let us compare what you have now. Call me or text me locally anywhere in KY at call/text me 502-905-3708; this is my personal cell phone and I carry it on me at all times. Free credit reports and approvals.

Thank you for visiting. I hope you find this website both informative and empowering as you explore your mortgage options. My goal is to help you feel confident in selecting the right home loan for your unique situation.

I proudly serve all 120 counties in Kentucky, offering a full range of mortgage loan programs, including:

FHA Loans
VA Loans
USDA Rural Housing Loans
Fannie Mae Conventional Loans
KHC Down Payment Assistance Programs

With over 20 years of lending experience, I’ve had the privilege of helping more than 1,300 Kentucky families achieve their homeownership goals. Whether you’re a first-time homebuyer or seeking a second opinion, I’m here to offer honest, no-pressure advice—always free of charge.

I am dedicated to:

Attending as many closings as possible
Providing responsive, personalized service
Ensuring quick, efficient, and accurate loan processing
Making myself accessible every step of the way

I’ve been consistently recognized as a top mortgage loan officer in Kentucky for VA, FHA, USDA, and KHC programs. I take pride in being thorough, transparent, and attentive with each and every client.

Please take a moment to read my reviews below. If you have questions or need guidance, feel free to call or text me directly.

Joel Lobb – Senior Loan Officer
NMLS #57916
📞 (502) 905-3708
📧 kentuckyloan@gmail.com

Website Fine Print
The content provided on this website is presented or compiled by Joel Lobb and is provided for informational purposes only. It does not necessarily represent the views or opinions of his employer.

Joel Lobb or his employer assumes any legal liability or responsibility for the accuracy, completeness, or usefulness of any information disclosed, or represents that its use would not infringe privately owned rights.

The mortgage or financial services or strategies mentioned in this website may not be not suitable for you.

Joel Lobb is a Licensed Mortgage Originator: NMLS #57916.
Legal Disclaimer

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.

**Download Fair Housing Booklet – CLICK HERE

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

This blog is a sponsored blog created or supported by a company, organization or group of organizations. For questions about this blog, please contact Joel Lobb 502-905-3708 or email kentuckyloan@gmail.com NMLS# 57916.

This blog does not accept any form of advertising, sponsorship, or paid insertions. We write for our own purposes. However, we may be influenced by our background, occupation, religion, political affiliation or experience.

This blog abides by word of mouth marketing standards. We believe in honesty of relationship, opinion and identity. The compensation received may influence the advertising content, topics or posts made in this blog. That content, advertising space or post will be clearly identified as paid or sponsored content.

The owner(s) of this blog is not compensated to provide opinion on products, services, websites and various other topics. The views and opinions expressed on this blog are purely the blog owners. If we claim or appear to be experts on a certain topic or product or service area, we will only endorse products or services that we believe, based on our expertise, are worthy of such endorsement. Any product claim, statistic, quote or other representation about a product or service should be verified with the manufacturer or provider.

This blog does contain content which might present a conflict of interest. This content will always be identified.

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The mortgage or financial services or strategies mentioned in this website may not be not suitable for you.

Joel Lobb is a Licensed Mortgage Originator: NMLS #57916.
Legal Disclaimer

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.

**Download Fair Housing Booklet – CLICK HERE

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

FHA Mortgage Requirements for Louisville Ky First Time Home Buyers

FHA Mortgage Requirements for Louisville Ky First Time Home Buyers

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