Kentucky Mortgage Broker Offering FHA, VA, USDA, Conventional, and KHC Down Payment Assistance Home Loans debt ratios, Debt to Income Ratio, Income limits, job gaps, job history

What is a debt to income ratio for a Kentucky Mortgage?


  A debt to income ratio, commonly referred to as DTI, is the ratio of the amount of monthly expenses you have relative to your gross (before tax) income.    The automated underwriter will look at two ratios when analyzing your DTI: your front end DTI ratio and your back end DTI ratio.   Front End DTI … Continue reading What is a debt to income ratio for a Kentucky Mortgage?

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How to Qualify For A Kentucky Mortgage Loan


Conventional loans follow guidelines set by government-sponsored enterprises Fannie Mae and Freddie Mac. FHA loans are insured by the Federal Housing Administration. VA loans are guaranteed by the U.S. Department of Veterans Affairs. USDA loans are backed by the U.S. Department of Agriculture to finance homes in USDA-eligible rural area

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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