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Kentucky Mortgage Guide: FHA vs USDA Loans Explained


https://kentuckymortgage.wordpress.com/2025/04/06/kentucky-usda-rural-housing-guidelines-for-home-insurance-deductibles-and-poas-for-2017/ Kentucky FHA vs. USDA Rural Housing Loans – Side-by-Side Comparison FeatureFHA Loan (Federal Housing Administration)USDA Rural Housing LoanDown Payment3.5% minimum0% (100% Financing)Location RequirementsAvailable statewideMust be in USDA-eligible rural areasIncome LimitsNo strict limits (but must qualify DTI-wise)Yes –Credit Score Requirement580+ (with 3.5% down); 500–579 with 10% downTypically 640+ for automated approvalMortgage InsuranceUpfront: 1.75% + Monthly … Continue reading Kentucky Mortgage Guide: FHA vs USDA Loans Explained

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Kentucky Mortgage Options After Short Sale or Foreclosure


Kentucky Mortgage Short Sale: Conventional Loans Require: Minimum 2 years with restrictions up to 7 years 2 to 4 years - 80% maximum LTV 4 to 7 years - 90% maximum LTV 7 years and after allow for maximum standard financing Kentucky FHA and Kentucky VA Loans Require: 3 years, with exceptions possible for less … Continue reading Kentucky Mortgage Options After Short Sale or Foreclosure

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How to Get a Kentucky FHA Mortgage Loan


If you’re a first-time homebuyer in Kentucky or simply looking for an accessible loan option, an FHA mortgage loan is worth exploring. With low down payments, flexible credit requirements, and potential for down payment assistance, FHA loans provide a pathway to homeownership for many Kentucky residents. Here’s everything you need to know about qualifying for … Continue reading How to Get a Kentucky FHA Mortgage Loan

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Kentucky FHA Loan Requirements


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Qualifying Loan Programs for First-Time Homebuyers in Louisville, Kentucky


Qualifying Loan Programs for First-Time Homebuyers in Louisville, Kentucky