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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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Popular Kentucky Mortgage Terms To Know


I know the mortgage process can be confusing, so I thought I'd shed some light on what some of the acronyms in the mortgage world mean. LTVLTV stands for Loan to Value Ratio.  It represents the amount of money borrowed divided by the purchase price of the home.  For example, if you borrow $400,000 on … Continue reading Popular 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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FHA STREAMLINES REFINANCE GUIDELINES IN KENTUCKY 2015


Refinancing FHA Mortgage loans.  FHA STREAMLINES: FHA to FHA Refinance 620 minimum Credit Score NO AUS findings run NO Income stated on application or verified NO Appraisal – COSTS CAN NOT BE ROLLED INTO LOAN –No longer an allowable option Verify assets only for cash to close If you pay ALL costs with interest rate … Continue reading FHA STREAMLINES REFINANCE GUIDELINES IN KENTUCKY 2015