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Interest Rate Increase for Single Family Housing Direct Programs for Kentucky Rural Housing Loans
Tag: rural housing loan
Kentucky USDA Rural Development Loans
Frequently Asked Questions
Are only first-time homebuyers eligible?
No, you do not have to be a first time home buyer. The USDA Loan program has no restrictions that prevent previous homeowners from using the program.
What is the maximum amount that I can borrow?
There isn’t a limit to the amount a homeowner can borrow; however, most lenders conform to the loan limits set forth by Fannie Mae and Freddie Mac and will extend financing for up to $424,100.
How much are the closing costs for a USDA mortgage?
Closing costs vary from lender to lender and state to state. The charges from the USDA are a Guarantee fee of 1% of the loan amount. Additionally, there is a monthly mortgage insurance factor of .35% of the principal balance.
Can closing costs be financed into a USDA Loan?
Yes! The USDA home loan has the ability to finance closing costs up to the appraised value or to get a 6% seller contribution to closing costs from sellers on the contract.
What are USDA eligibility requirements?
USDA requires that the borrower demonstrates a reasonable ability and willingness to repay the mortgage loan. USDA lenders will view your credit history, income, and assets to verify your ability to repay the mortgage.
What is the USDA’s minimum credit requirement?
The USDA has no minimum score required; however, most lenders require a minimum credit score of 620 to obtain financing. Exceptions can be made and you should talk to a loan specialist about this.
Can you qualify for a USDA loan if your credit score is below 640?
Many lenders do require a 640 minimum Fico score to be eligible for a USDA home loan, however, exceptions can be made. It is important to note that the derogatory credit is temporary in nature, beyond the applicant’s control, and the circumstances that caused the adverse credit are no longer a factor.
What does the USDA require for employment eligibility?
You must have established employment to be eligible for a USDA Loan. Almost all lenders will require a minimum of two years of steady employment or schooling prior to your current employment if less than 2 years. If you are self-employed, you are eligible but will be required to provide two years of federal tax returns to verify your income.
Do USDA home loans have PMI?
USDA mortgages do have a guarantee fee and monthly PMI. The rate for the mortgage insurance is .35% of the outstanding principal balance and the current guarantee fee is 1% of loan amount. For example, if you borrowed a full $150,000 from your lender, the guarantee fee would be $1,500, which you can finance into your mortgage. The monthly PMI would be about 44.00 dollars a month on a 151,500 loan amount. (which includes the guarantee fee of 1%)
Can I get a USDA Mortgage after bankruptcy?
Yes, the USDA Loan Program requires the bankruptcy to be discharged for at least 3 years for a CH 7 and at least 12 months of on time payments on a CH 13. You can be in a CH 13 currently as long as 12 months of on-time payments have been made and verified.
How soon can you qualify for a mortgage after foreclosure?
VA Loans: 2 years after foreclosure
USDA Loans: 3 years after foreclosure (Exceptions are possible!)
FHA Loans: 3 years after foreclosure
Conventional Loans (Fannie Mae and Freddie Mac): 7 years after foreclosure
Can I use a USDA Loan on investment property or Second Home?
No, the USDA Rural Housing Program is for primary residences only. Furthermore, any property that is income producing (farms, multi-family, over 30 acres, etc.) cannot qualify for the 502 Guaranteed Rural Home Loan.
Can a USDA loan finance a condominium?
Yes, you can use a USDA loan to finance a condo; however, there are requirements that will need to be met.
Does a USDA home loan finance modular or manufactured homes?
Modular and manufactured homes can be considered a USDA eligible property, but additional appraisal requirements will apply. Most lenders do not offer Section 502 USDA loans on manufactured homes; however, they do finance modular homes. The difference between a modular and manufactured is how and where the home is constructed. A manufactured home is already fully built and put on a foundation and modular homes are built in pieces, and then taken to the site to be constructed.
How fast can you close a USDA loan?
USDA loans have a 2 prong process. The loan is first approved by the lender and then sent to the local USDA field office to be insured. Depending on the turn-times at the local USDA office, closing can be as fast as 20 days or up to 60 days.
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2019 KY USDA Rural Housing Income Limits for Kentucky Counties Kentucky Rural Development Mortgage Guide
2019 Kentucky Rural Development Mortgage Guide
- 30 year fixed rate only for Purchases and Existing USDA loans Refinances.
- Zero down Mortgage loan with no loan limits!
- Upfront funding fee is 1.0% and annual mi fee is .35% (very low compared to FHA)
- Typically cannot own other real estate. There are exceptions to this.
- You do not have to be a first-time home buyer in Kentucky
- Can refinance existing USDA loan as long as lowering rate by 1% and can do without an appraisal. There are overlays to this by lenders.
- Closing costs and prepaids can be paid by seller but must be put into contract
- Closing costs may be financed into the loan up to the appraised value.
- You will need two credit trade lines reporting at least for 12 months on your credit file. They don’t have to be open and active. Just reporting on your credit report.
- All Guaranteed Mortgage Loans are ran through GUS. GUS stands for the Guaranteed Underwriting System. USDA and their underwriters use this system to pre-approve you. They review credit score/history, income, debt to income ratio and assets to determine your loan eligibility. If your credit score is below 640 or your debt to income ratio is over 45%, it will get a refer and you will find most lenders will not approve the loan.
- Some lenders will do a credit score down to 600, but they will want a lot of documentation to overturn the refer and compensating factors for the lower credit score. They typically will need to verify rent for last 12 months, with no lates, cash payments are not acceptable, and debt to income ratios are set at 29% and 41% respectively. Reserves are typically helpful too on lower credit scores, so keep in that in mind, if you have money in a savings account, for a rainy day fund, this will help sometimes get the loan approved.
- If you have access to 20% down payment you cannot use the USDA Program. Money in a retirement account does not account toward the 20% rule.
- Properties must be located in an eligible area of Kentucky. Typically the large metro areas of Kentucky including the following: all of Jefferson County, all of Fayette County, Owensboro, Paducah, Hopkinsville, Bowling Green, Richmond, Frankfort and Northern KY cities of Covington, Florence, Erlanger, Beechwood, Richwood are not eligible
USDA Eligible Areas In Northern Kentucky for Boone, Kenton, Campbell, Grant Counties
- Independence
- Burlington
- Hebron
- Highland Heights
- Walton
- Alexandria
- Cold Springs
- All Of Grant County, Pendleton County And Owen County
Search for Kentucky USDA Eligible Properties
A property must be located in an eligible area in order to use a USDA loan to purchase a home. Contrary to belief, Rural Development loans are not only for farms or very rural homes.
Actually, a property with an operating and income producing farm is not eligible for these loans!
2019 Kentucky USDA Rural Max Income Limits:
- The total household income must be within the county limits for household size. Typically a family household of 4 can make up to around $82,500 and a family of five or more can make up to $109,500 for a household- Some KY counties allow for higher like Shelby County, and the Northern Kentucky Counties of Boone, Kenton, Campbell allow $90,000 (household income of four) up to $118,850 (household income of five or more)
| Kentucky | Cincinnati (OH, KY, IN FMR) | $90,050 | $118,850 |
| Shelby | $86,450 | $114,100 | |
| All Other Areas | $82,700 | $109,150 |
Check Your Kentucky County for USDA Rural Housing Income Limits
Some More Facts about a Kentucky USDA loan:
It’s a two step approval process. The chosen USDA lender must first underwrite the file and get it approved based on the income, assets, and credit report submitted. Then, the lenders must submit to USDA for a “conditional commitment”. This conditional commitment is the final loan approval paperwork you are looking for.
Even though the lender may have approved the file, it still must go to USDA office in Lexington for an assignment to SFH underwriter for the final approval process. They typically are checking the appraisal and income at this stage. There have been instances where the lender would approve the file but USDA would not due to appraisal issues or income and job history.
This is very rare instances, so keep that in mind when it comes to final loan approval.
This two-step approval process usually adds 4-6 days to the final loan approval process, so keep that in mind when you are writing up your contract because it takes a little longer to close these loans vs FHA, VA, and Fannie Mae loans.
Well Test Treatments: Properties with a well as the primary drinking source will require a well water test. There are local labs to perform this test and the water must pass.
Septic Test: Sometimes they will require the septic tank to be inspected if called for in the appraisal report or home inspection.
Older Homes: As a general rule, USDA does not like homes older than 100 years old. They will sometimes require a home inspection in addition to the mandatory appraisal on older homes.
USDA Loan After a Short Sale: A short sale is not the end of the world. So it is very possible to obtain a USDA loan if 3 years have passed after the short sale. But a buyer would need re-established good rent and other credit history.
Bankruptcy and Foreclosure: If the mortgage debt that was foreclosed, was included in a Bankruptcy – then the USDA Home Loan waiting periods after foreclosure “waiting period” of 3 years, starts from the date of the discharge of the Bankruptcy. Because it can take 6 months or more for Banks to process the Foreclosure, and transfer title, this is a tremendous plus.
Get Qualified for a Kentucky USDA Loan Now!
Joel Lobb
Senior Loan Officer
(NMLS#57916)
American Mortgage Solutions, Inc.
10602 Timberwood Circle, Suite 3
text or call my phone: (502) 905-3708
email me at kentuckyloan@gmail.com
The view and opinions stated on this website belong solely to the authors, and are intended for informational purposes only. The posted information does not guarantee approval, nor does it comprise full underwriting guidelines. This does not represent being part of a government agency. The views expressed on this post are mine and do not necessarily reflect the view of my employer. Not all products or services mentioned on this site may fit all people. NMLS ID# 57916, (www.nmlsconsumeraccess.org). Mortgage loans only offered in Kentucky.
All loans and lines are subject to credit approval, verification, and collateral evaluation and are originated by lender. Products and interest rates are subject to change without notice. Manufactured and mobile homes are not eligible as collateral.
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Labels: bankruptcy, debt ratio, first time buyer kentucky usda, foreclosure, GUS approval, Kentucky Rural Housing and USDA Loans, Kentucky USDA Rural Development For 2017 Guide, rd, rhs
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Kentucky USDA Rural Housing Foreclosure Sale for 2017
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| Your properties subscription for USDA Single Family Housing is kentuckyloan@gmail.com as of 01/06/2017 |
| State | Days Old | Counties |
| KY | 365 | ADAIR, ALLEN, ANDERSON, BALLARD, BARREN, BATH, BELL, BOONE, BOURBON, BOYD, BOYLE, BRACKEN, BREATHITT, BRECKINRIDGE, BULLITT, BUTLER, CALDWELL, CALLOWAY, CAMPBELL, CARLISLE, CARROLL, CARTER, CASEY, CHRISTIAN, CLARK, CLAY, CLINTON, CRITTENDEN, CUMBERLAND, DAVIESS, EDMONSON, ELLIOTT, ESTILL, FAYETTE, FLEMING, FLOYD, FRANKLIN, FULTON, GALLATIN, GARRARD, GRANT, GRAVES, GRAYSON, GREEN, GREENUP, HANCOCK, HARDIN, HARLAN, HARRISON, HART, HENDERSON, HENRY, HICKMAN, HOPKINS, JACKSON, JEFFERSON, JESSAMINE, JOHNSON, KENTON, KNOTT, KNOX, LARUE, LAUREL, LAWRENCE, LEE, LESLIE, LETCHER, LEWIS, LINCOLN, LIVINGSTON, LOGAN, LYON, MADISON, MAGOFFIN, MARION, MARSHALL, MARTIN, MASON, MCCRACKEN, MCCREARY, MCLEAN, MEADE, MENIFEE, MERCER, METCALFE, MONROE, MONTGOMERY, MORGAN, MUHLENBERG, NELSON, NICHOLAS, OHIO, OLDHAM, OWEN, OWSLEY, PENDLETON, PERRY, PIKE, POWELL, PULASKI, ROBERTSON, ROCKCASTLE, ROWAN, RUSSELL, SCOTT, SHELBY, SIMPSON, SPENCER, TAYLOR, TODD, TRIGG, TRIMBLE, UNION, WARREN, WASHINGTON, WAYNE, WEBSTER, WHITLEY, WOLFE, WOODFORD, WOODFORD |
| Address | Bed/Bath | Price | |
| 171 Fairview Ave. | 3/1 | $38,190.00 – GovtBid | |
| Lawrenceburg, KY 40342 | Foreclosure Sale | ||
| 519 Hickory Hill Dr. | 3/1 | $63,885.00 – GovtBid | |
| Nicholasville, KY 40356 | Foreclosure Sale | ||
| 417 Creekview Dr | 3/1 | $26,800.00 – GovtBid | |
| Paris, KY 40361 | Foreclosure Sale | ||
| 65 Bon Jan Lane | 3/1 | $51,590.00 – GovtBid | |
| Highland Heights, KY 41076 | Foreclosure Sale | ||
| 1254 Baker Branch Rd | 2/1 | $60,195.00 – GovtBid | |
| Tutor Key, KY 41263 | Foreclosure Sale | ||
| 510 Harrison Hollow Rd | 3/1 | $16,750.00 – GovtBid | |
| Vanceburg, KY 41179 | Foreclosure Sale |
 The view and opinions stated on this website belong solely to the authors, and are intended for informational purposes only. The posted information does not guarantee approval, nor does it comprise full underwriting guidelines. This does not represent being part of a government agency. The views expressed on this post are mine and do not necessarily reflect the views of my employer. Not all products or services mentioned on this site may fit all people |
Kentucky USDA Foreclosed Homes List 2016 for Sale by Rural Development Rural Housing
| USDA Single Family Housing is kentuckyloan@gmail.com as of 10/06/2016 |
| State | Days Old | Counties |
| KY | 365 | ADAIR, ALLEN, ANDERSON, BALLARD, BARREN, BATH, BELL, BOONE, BOURBON, BOYD, BOYLE, BRACKEN, BREATHITT, BRECKINRIDGE, BULLITT, BUTLER, CALDWELL, CALLOWAY, CAMPBELL, CARLISLE, CARROLL, CARTER, CASEY, CHRISTIAN, CLARK, CLAY, CLINTON, CRITTENDEN, CUMBERLAND, DAVIESS, EDMONSON, ELLIOTT, ESTILL, FAYETTE, FLEMING, FLOYD, FRANKLIN, FULTON, GALLATIN, GARRARD, GRANT, GRAVES, GRAYSON, GREEN, GREENUP, HANCOCK, HARDIN, HARLAN, HARRISON, HART, HENDERSON, HENRY, HICKMAN, HOPKINS, JACKSON, JEFFERSON, JESSAMINE, JOHNSON, KENTON, KNOTT, KNOX, LARUE, LAUREL, LAWRENCE, LEE, LESLIE, LETCHER, LEWIS, LINCOLN, LIVINGSTON, LOGAN, LYON, MADISON, MAGOFFIN, MARION, MARSHALL, MARTIN, MASON, MCCRACKEN, MCCREARY, MCLEAN, MEADE, MENIFEE, MERCER, METCALFE, MONROE, MONTGOMERY, MORGAN, MUHLENBERG, NELSON, NICHOLAS, OHIO, OLDHAM, OWEN, OWSLEY, PENDLETON, PERRY, PIKE, POWELL, PULASKI, ROBERTSON, ROCKCASTLE, ROWAN, RUSSELL, SCOTT, SHELBY, SIMPSON, SPENCER, TAYLOR, TODD, TRIGG, TRIMBLE, UNION, WARREN, WASHINGTON, WAYNE, WEBSTER, WHITLEY, WOLFE, WOODFORD, WOODFORD |
| Address | Bed/Bath | Price | |
| 206 Maysville Road | 1/1 | $26,800.00 – GovtBid | |
| Scottsville, KY 42164 | Foreclosure Sale | ||
| 23 Hale St. | 3/1 | $26,800.00 – GovtBid | |
| Stanton, KY 40380 | Foreclosure Sale | ||
| 164 Hart Road | 3/1 | $31,490.00 – GovtBid | |
| Corbin, KY 40701 | Foreclosure Sale | ||
| 500 White Oak Rd | 3/2 | $17,000.00 – GovtBid | |
| Irvine, KY 40336 | Foreclosure Sale | ||
| 148 Falls Lane | 3/1 | $33,500.00 – GovtBid | |
| Clearfield, KY 40313 | Foreclosure Sale | ||
| 104 Brooks Road | 3/2 | $86,050.00 – GovtBid | |
| Richmond, KY 40475 | Foreclosure Sale | ||
| 1023 Byrtle Grove Rd | 3/1 | $63,085.00 – GovtBid | |
| Leitchfield, KY 42754 | Foreclosure Sale | ||
| 201 Brooks Rd | 3/1 | $30,150.00 – GovtBid | |
| Richmond, KY 40475 | Foreclosure Sale | ||
| 3465 Old Gallatin Rd | 3/2 | $42,950.00 – GovtBid | |
| Scottsville, KY 42164 | Foreclosure Sale | ||
| 1203 S 6th St | 4/2 | $12,500.00 – GovtBid | |
| Mayfield, KY 42066 | Foreclosure Sale | ||
| 604 Wells Avenue | 3/2 | $16,750.00 – GovtBid | |
| Fulton, KY 42041 | Foreclosure Sale | ||
| 15077 N. State Highway 7 | 3/1 | $24,120.00 – GovtBid | |
| Grayson, KY 41143 | Foreclosure Sale | ||
| 1905 Stacy Lane Rd | 3/1 | $16,750.00 – GovtBid | |
| Irvine, KY 40336 | Foreclosure Sale | ||
| 24 Golden Gates Drive | 4/2 | $47,570.00 – GovtBid | |
| Wingo, KY 42088 | Foreclosure Sale | ||
| 406 Indian Hills Circle | 3/1 | $34,170.00 – GovtBid | |
| Vanceburg, KY 41179 | Foreclosure Sale | ||
| 91 Roxanne St | 3/1 | $18,760.00 – GovtBid | |
| Clearfield, KY 403139771 | Foreclosure Sale | ||
| 177 Crawford Rd | 3/1 | $30,820.00 – GovtBid | |
| Clearfield, KY 403139648 | Foreclosure Sale | ||
| 2201 Brent Drive | 3/1 | $8,500.00 – GovtBid | |
| Madisonville , KY 42431 | Foreclosure Sale | ||
| 1225 Tim Tam Way | 3/2 | $64,695.00 – GovtBid | |
| Lawrenceburg, KY 40342 | Foreclosure Sale | ||
| 381 Dunroven Dr. | 4/1.5 | $40,200.00 – GovtBid | |
| Versailles, KY 40383 | Foreclosure Sale | ||
| 377 Damron Br. | 3/1 | $26,130.00 – GovtBid | |
| Grayson, KY 41143 | Foreclosure Sale | ||
| 1304 Winchester Ave | 5/2 | $57,620.00 – GovtBid | |
| Middlesboro, KY 40965 | Foreclosure Sale |
In order to get you pre-approved for your max loan amount, I will need the following items from you. This is a free process and I will give you a copy of your credit report for free!
Mortgage Pre-Approval Checklist:
- One full month’s or 30 days worth of pay stubs
- Last 2 years W-2′s
- Last 2 years tax returns
4. Last two months bank statements for all accounts including 401 k or retirement account if you have one
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if you have questions about qualifying as first time home buyer in Kentucky, please call, text, email or fill out free prequalification below for your next mortgage loan pre-approval.
The view and opinions stated on this website belong solely to the authors, and are intended for informational purposes only. The posted information does not guarantee approval, nor does it comprise full underwriting guidelines. This does not represent being part of a government agency. The views expressed on this post are mine and do not necessarily reflect the views of my employer. Not all products or services mentioned on this site may fit all people
http://www.mylouisvillekentuckymortgage.com
Kentucky Ineligible Rural Housing Areas October 2012
Kentucky Towns, villages, cities, places, etc. that will become ineligible on Oct. 1, 2012 due to an increase in the population (based on the 2010 census data), will no longer be eligible due to the eXpiration of the special consideration eXception (“Grandfather Clause“), or no longer meet the definition of Rural because the county is now part of a Metropolitan Statistical Area (MSA) and was not part of an MSA in 2000.
KY Bardstown, city Nelson County 11,700 X X
KY Burlington, city Boone County 15,926 X X
KY Elizabethtown, city Hardin County 28,531 X X
KY Georgetown city Scott County 29,098 X X
KY Independence city Kenton County 24,757 X X
KY Nicholasville city Jessamine County 28,015 X X
KY Shelbyville, city Shelby County 14,045 X X
KY Shepherdsville city Bullitt County Ky11,222 X
Related Articles
- October 2012 Kentucky USDA and Rural Housing Loans Changes for Property Eligibility Locations in Kentucky. (trulia.com)
- October 2012 Kentucky USDA and Rural Housing Loans Changes for Property Eligibility Locations in Kentucky. (mylouisvillekentuckymortgage.com)
- Kentucky Housing Corporation first mortgage are eligible for DAP funds .Down Payment Assistance Program (DAP) (kentuckyfirsttimehomebuyer.com)
- Bullitt County considers rezoning in Hillview, Ky. (whas11.com)
- Kentucky Guaranteed Rural Housing Program 2012 (kentuckyfirsttimehomebuyer.com)
- Kentucky USDA Rural Development Funding Update (louisvillekymortgage.net)
- October 2012 Kentucky USDA and Rural Housing Loans Changes for Property Eligibility Locations in Kentucky. (kentuckyusdaloan.com)
- Single Family Housing USDA Loans Contact info for Kentucky Rural Housing Loans (kentuckyusdaloan.com)
- Foreclosures requirements for Kentucky FHA Mortgages 2012 (mylouisvillekentuckymortgage.com)
- https://kentuckyusdaloan.com/2011/08/04/248/ (louisvillemortgagepro.tumblr.com)
Louisville Ky Mortgage Lender FHA/VA KHC USDA Kentucky Mortgage] Kentucky USDA Refinance Funds Have Been Exhausted for Fiscal Year 2012
Kentucky USDA Refinance Funds Have Been Exhausted for Fiscal Year 2012!
August 21, 2012
USDA Mortgage Purchase and Refinance Funding Update for Kentucky Homeowners and Buyers
This announcement is to inform you of the current commitment authorities available for the Single Family Housing Guaranteed Loan Program (SFHGLP) loans.
Due to a change in Fiscal Year (FY) 2013 fee structure which goes into effect October 1, 2012, Lenders are urged to check with States to determine application processing time frames before underwriting applications.
USDA Mortgage Refinance Funds:
FY (fiscal year) 2012 USDA Mortgage refinance funds have been exhausted.
We expect to run out of refinance commitment authority no later than Monday, August 20, 2012. When USDA Mortgage refinance commitment authority is exhausted, refinance loan requests for which a conditional commitment (Form RD 1980-18) has not been issued will be returned to the lender and require underwriting under the fiscal year 2013 fee structure. The FY 2013 fee structure will require a one-time upfront guarantee fee of 2 percent and an annual fee of 0.40 percent. At this time, the Agency will not issue conditional commitments “subject to” receipt of FY 2013 funding or commitment authority.
USDA Mortgage Purchase Funds:
Lenders are urged to be cognizant of the differing backlogs and processing time frames from state to state. If it is determined unrealistic that the State will be able to review the USDA loan guarantee application and issue a conditional commitment before September 30, 2012, lenders are urged to underwrite the USDA Mortgage application at the FY 2013 fee structure. The FY 2013 guarantee fee structure will require purchase and refinance loans to carry a one-time upfront guarantee fee of 2 percent and an annual fee of 0.40 percent.
In addition, if the state where the property is located is experiencing longer processing time frames, lenders should advise the applicant accordingly when discussing interest rate locks and potential loan closing dates.
Joel Lobb (NMLS#57916)
Senior Loan Officer
502-905-3708 cell
502-813-2795 fax
Key Financial Mortgage Co. (NMLS #1800)
107 South Hurstbourne Parkway
Louisville, KY 40222
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Posted By Blogger to Louisville Ky Mortgage Lender FHA/VA KHC USDA Kentucky Mortgage at 8/28/2012
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- Kentucky USDA Mortgage Upfront Guarantee Fee and the monthly mortgage insurance Annual fee (kentuckyusdaloan.com)
- Kentucky USDA RHS Guarantee Fee Change (mylouisvillekentuckymortgage.com)
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