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Kentucky FHA Loan Requirements


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Here are action steps you can take right now to buy a home in Kentucky in 2025


If you're planning to buy a home in Kentucky in 2024, here are some essential steps to consider: 1. Focus on improving your credit score to qualify for a mortgage with a low interest rate. 2. Manage your debt-to-income ratio by repaying existing debt, increasing your income, or both. 3. Ensure timely payments on all accounts to maintain a good credit score. 4. Get pre-approved for a mortgage before searching for a home to know your affordability. 5. Keep credit card utilization below 30% and seek down payment assistance programs if needed.

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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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FHA eases mortgage rules for some credit-impaired applicants for collections and charge offs


FHA Collection Accounts • A Collection Account refers to a Borrower’s loan or debt that has been submitted to a collection agency by a creditor. • Medical Collections are not required to be paid and satisfied. • Collection accounts of a non-borrowing spouse in a community property state must be included in the $2,000 cumulative balance … Continue reading FHA eases mortgage rules for some credit-impaired applicants for collections and charge offs