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Kentucky Mortgage Terms to Know


Glossary of Mortgage Terms to Know For A Kentucky Mortgage Loan. ACCRUED INTEREST: Accumulated interest since the principal investment that hasnot yet been paid.AMORTIZATION: Paying off debt, principal and interest, with a fixed repayment schedulein regular installments over a fixed period of time.ANNUAL PERCENTAGE RATE (APR): The annual rate charged for borrowing moneyexpressed as a … Continue reading Kentucky Mortgage Terms to Know

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Kentucky First Time Home Buyer Mortgage Guide


There are several alternative mortgage optionsavailable if you don’t have a down payment,haven’t established a strong credit history,or are unable to supply documentation for a“traditional” mortgage. Some options include: DOWN PAYMENT ASSISTANCE (DPA) by KHC These programs often come from states andmunicipalities allowing you to purchase ahome with a smaller down payment. ManyDPA programs come … Continue reading Kentucky First Time Home Buyer Mortgage Guide

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Kentucky Home Buyers. Purchase a Home No Money Down.


I can answer your questions and usually get you pre-approved the same day.  Call or Text me at 502-905-3708 with your mortgage questions. Email Kentuckyloan@gmail.com Joel Lobb Mortgage Loan Officer Individual NMLS ID #57916 American Mortgage Solutions, Inc. 10602 Timberwood Circle  Louisville, KY 40223 Company NMLS ID #1364 Text/call:      502-905-3708 fax:        … Continue reading Kentucky Home Buyers. Purchase a Home No Money Down.

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Self-Employed with Income and Getting Approved for a Home Mortgage Loan in Kentucky?


Self Employed Income for FHA, VA, USDA and KHC Mortgage Loans Guidelines   • A borrower is considered self employed if they have 25% or more ownership in a business.   • Contract or 1099 employees are self employed borrowers   • There are 4 types of self employed business structures o  Sole Proprietorships o  … Continue reading Self-Employed with Income and Getting Approved for a Home Mortgage Loan in Kentucky?

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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?