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What kind of income is allowed and needed for a FHA, VA, USDA and Fannie Mae Mortgage Loan Approval in Kentucky?


Income and your job history  plays a significant role when applying for a mortgage loan and getting approved for one for Kentucky Homebuyers . Mortgage Underwriters from FHA, VA, USDA and Fannie Mae  must follow both Fannie Mae  and agency guidelines when it comes to documenting and calculating qualifying income for a loan transaction. Income guidelines … Continue reading What kind of income is allowed and needed for a FHA, VA, USDA and Fannie Mae Mortgage Loan Approval in Kentucky?

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Kentucky FHA Loans Compared to Kentucky Conventional Loans


When it comes to financing a home a buyer is faced with the decision of what type of loan they want. The two most common choices are FHA or Conventional. Both have their advantages and disadvantages. Follow the chart below to see which one is a fit for you! For more information on homes available … Continue reading Kentucky FHA Loans Compared to Kentucky Conventional Loans

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Louisville Kentucky First Time Home Buyer Programs and Resources


Louisville Kentucky First Time Home Buyer Programs and Resources. via Louisville Kentucky First Time Home Buyer Programs and Resources. --   Joel Lobb Senior  Loan Officer (NMLS#57916)   American Mortgage Solutions, Inc. 800 Stone Creek Pkwy, Ste 7, Louisville, KY 40223 phone: (502) 905-3708  Fax:     (502) 327-9119 kentuckyloan@gmail.com    Company ID #1364 | MB73346 http://mylouisvillekentuckymortgage.com/  

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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 … Continue reading Debt to Income Ratios for A Kentucky Mortgage Loan

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Middle-class buyers may feel squeeze of new mortgage rules – Toledo Blade


Middle-class buyers may feel squeeze of new mortgage rules - Toledo Blade.   On Jan. 1, banks may not approve mortgages for applicants whose debt-to-income ration is over 43 percent and must limit origination fees to no more than 3 percent of the loan amount.    Read more at http://www.toledoblade.com/Real-Estate/2013/10/13/Middle-class-buyers-may-feel-squeeze-of-new-mortgage-rules.html#odAUFEU4Mc1Emb7k.99