Mortgage Loans

The USDA offers a no down payment mortgage option you probably didn't know existed, and you don't have to be a first time home buyer to take advantage!

Thinking of refinancing your home? Weigh the pros and cons before making the decision.

When it comes to financing a home a buyer is faced with the decision of what type of loan they want. The two most common choices are FHA or Conventional. Both have their advantages and disadvantage…

First-time home buyers tend to find the mortgage approval process confusing. We know, because we get their questions via email on a regular basis! So we’ve created this guide to walk you through the different steps in a typical mortgage approval process. Note: The lending process can vary from one borrower to the next, due […]

Updated for 2021. Discover more about Mortgage Insurance, determine whether it's required, as well as the

Before you find the home of your dreams, you have to meet with a lender first. Get pre-approved and help your home buying process go smoothly!

Kentucky Mortgage Rates and Home Loan Options KENTUCKY FHA, VA, USDA AND CONVENTIONAL MORTGAGE LOANS IN KY

Credit Scores are important for getting approved for a Mortgage in Kentucky.

1. Income You need income. You need to be able to afford the home. But what is acceptable income? Let’s just say that there are two ratios mortgage underwriters look at to qualify you for mortgage payment: First Ratio – The first ratio, top ratio or housing ratio. Basically that means out of all the gross monthly income you make, that no more that X percent of it can go to your housing payment. The housing payment consists of Principle, Interest, Taxes and Insurance. Whether you escrow or…