620 credit score USDA Loan Kentucky

Kentucky Mortgage Broker Offering FHA, VA, USDA, Conventional, and KHC Down Payment Assistance Home Loans's avatarKentucky USDA Mortgage Lender for Rural Housing Loans

USDA 620+ MIN FICO

NO OVERLAYS!!!!(GUS ACCEPTS AND REFERS)

620+ MIN FICO– REFERS AND GUS ACCEPTS!

620+ GUS ACCEPTS – NO OVERLAYS – follow GUS findings

101% LTV of appraised value

Ratios to 32/44 w/ 620+ and GUS approval w/ comp. factors for debt waiver

0.35% Annual Fee, 1% Guarantee Fee

We Accept Transfer Appraisals – No Problem on all loans
File sent to RD within 24 Hours of UW clear!

File sent to docs within 24 Hours of Receipt of the RD commitment
Up to 6% seller concessions allowed

620+ – GUS Accept – must have 2 trades for 12 months(open/closed)- or manual downgrade

____________________GUS Refers___________________

620- scores OK!29/41 max ratios
VOR or 12 months cancelled rents checks required

Tradelines or alt tradelines required

Medical collections & charge off accounts ignored – consumer collections follow HUD $2000 guidelines

(Call us for details!)

Minimal lates allowed…

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