Monday, September 30, 2013

100% Financing Zero Down Payment Financing Kentucky Mortgages and Home loans: Self-Employed and Business Commission Income for a...

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ReFi Shy? How to Determine If Now Is the Time to Refinance

ReFi Shy? How to Determine If Now Is the Time to Refinance

Louisville VA, FHA, USDA, KHC , Fannie Mae Mortgage Guide: Part-time earnings may not count when seeking a mo...

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Louisville VA, FHA, USDA, KHC , Fannie Mae Mortgage Guide: Part-time earnings may not count when seeking a mo...

Louisville VA, FHA, USDA, KHC , Fannie Mae Mortgage Guide: Part-time earnings may not count when seeking a mo...: Part-time earnings may not count when seeking a mortgage The two-year rule for counting part-time income has been an industry standa...

Friday, September 27, 2013

Tuesday, September 24, 2013

SURRENDURING YOUR HOME IN BANKRUPTCY

SURRENDURING YOUR HOME IN BANKRUPTCY

Paducah KY Real Estate

Paducah KY Real Estate

- See more at: http://ronhugheshomes.com/buyers-sellers/mortgage-calculator/#sthash.cNBmqaMr.dpuf

100% Financing Zero Down Payment Financing Kentucky Mortgages and Home loans: Louisville VA, FHA, USDA, KHC , Fannie Mae Mortgag...

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Apply for a home loan by clicking the link below:It's free and takes less than 5 minutesOr call us at 502-905-3708 for your free application over the phone

Friday, September 20, 2013

Louisville Ky Mortgage Lender FHA/VA KHC USDA Kentucky Mortgage: Louisville Kentucky VA Mortgage Requirements for i...

Louisville Ky Mortgage Lender FHA/VA KHC USDA Kentucky Mortgage: Louisville Kentucky VA Mortgage Requirements for i...: Fill out my form! Louisville Kentucky VA Mortgage Requirements for income and debt to income ratios: Kentucky VA lenders  use debt ...

Apply for a home loan by clicking the link below:It's free and takes less than 5 minutesOr call us at 502-905-3708 for your free application over the phone

Sunday, September 15, 2013

VA Loan Eligibility Certificate of Eligibility (COE)

Certificate of Eligibility

After establishing that you are eligible, you will need a Certificate of Eligibility (COE). The COE verifies to the lender that you are eligible for a VA-backed loan. This page describes the evidence you submit to verify your eligibility for a VA home loan and how to submit the evidence and obtain a COE.

Evidence Needed

The evidence you need depends on the nature of your eligibility. Consult the table below to determine your category and the evidence you will need when applying.
CategoryEvidence To Apply
VeteranDD Form 214 - required to have a copy showing the character of service (item 24) and the narrative reason for separation (item 28).
Current or former National Guard or Reserve member who has been activated Federal active service
Active Duty ServicememberA current statement of service:
  • signed by (or by the direction of):
    the adjutant, personnel office, or commander of the unit or higher headquarters
  • showing:
    Your full name
    Social Security Number
    Date of birth
    Entry date on active duty
    The duration of any lost time
    The name of the command providing the information
Current National Guard or Reserve member who has never been Federal active serviceStatement of service:
  • signed by (or by the direction of):
    the adjutant, personnel officer or commander of your unit or higher headquarters
  • showing:
    Your full name
    Social Security Number
    Date of birth
    Entry date on duty
    The total number of creditable years of service
    The duration of any lost time
    The name of the command providing the information
Discharged member of the National Guard who has never been activated for Federal active serviceNGB Form 22, Report of Separation and Record of Service, for each period of National Guard service
-OR-
NGB Form 23, Retirement Points Accounting, and proof of the character of service
Discharged member of the Selected Reserve who has never been activated for Federal active serviceCopy of your latest annual retirement points statement and evidence of honorable service
Surviving spouse of a Servicemember who died on active duty
If you're already receiving Dependency and Indemnity Compensation (DIC), you don't need to send any documents.
If you don't receive DIC, please send us
  • A copy of the DD Form 1300 (Report of Casualty) from the military
  • A copy of your marriage certificate
It would be a good idea to add a simple signed statement saying that you would like to apply for DIC. If you qualify for the home loan benefit, you probably qualify for monthly payments under DIC.
Put the Servicemember's Social Security number on all documents.
Surviving spouse of a Veteran who died as a result of military service
If you're already receiving Dependency and Indemnity Compensation (DIC), send us a copy of your award letter. (Generally, you will already have a record on file at a VA regional benefits office.)
If you don' t receive Dependency and Indemnity Compensation (DIC),please send us
  • A copy of the Veteran's DD Form 214
  • A copy of the Veteran's death certificate
  • A copy of your marriage certificate
We recommend that you add a simple signed statement saying that you would like to apply for DIC. If you qualify for the home loan benefit, you probably qualify for monthly payments under DIC.
Put the Veteran' s Social Security number on all documents.

Applying for a COE

After gathering the evidence you need, you can apply for your Certificate of Eligibility (COE) in the following ways.

Servicemembers, Veterans, and National Guard and Reserve Members

Apply online

To get your Certificate of Eligibility (COE) online, please go to the eBenefits portal. If you already have login credentials, click the Login box, and if you need login credentials, please click the Register box and follow the directions on the screen.  If you need any assistance please call the eBenefits Help Desk at 1-800-983-0937.  Their hours are Monday-Friday, 8am to 8pm EST.

Apply through your lender

Most lenders have access to the Web LGY system. This Internet-based application can establish eligibility and issue an online COE in a matter of seconds. Not all cases can be processed through Web LGY - only those for which VA has sufficient data in our records. However, Veterans are encouraged to ask their lenders about this method of obtaining a certificate.

Apply by mail

Surviving Spouses

Spouses must apply by mail using VA Form 26-1817, Request for Determination of Loan Guaranty Eligibility - Unmarried Surviving Spouses. If your Veteran spouse died after service, VA must determine that the death was due to a service-connected disability. Please allow 2-3 months for this process unless you know that the decision on service-connected death has already been made.
If you can't print the form, just call 1-888-768-2132 and follow the prompts for Eligibility and we will mail the form to you.
Send the completed form to:
VA Loan Eligibility Center
Attn: COE (262)
PO Box 100034
Decatur, GA 30031

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Tuesday, September 10, 2013

Louisville Ky Mortgage Lender FHA/VA KHC USDA Kentucky Mortgage: Kentucky FHA HUD Back to Work Program for FHA Borr...

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Tuesday, September 3, 2013

Louisville Mortgage Rates

Louisville Kentucky Mortgage
Free Credit and Pre Approvals same day ; KHC, FHA, VA, USDA, I have helped over 589 families buy their Ky Home or Refinance. NMLS#57916
107 south hurstbourne
Louisville, KY 40222
Phone: 5029053708http://mylouisvillekentuckymortgage.com
Current Interest Rates
Rates as of August 25, 2013  6:26:08 PM    Old Date?Lock
days
Qualifying
Ratios
ProgramRatePointsAPR
Conforming 30 year FRM4.6250.0004.8743035 / 45
Kentucky Mortgage Loans Only- Rates Change
Conforming 20 year FRM4.5000.0004.9873035 / 45
Kentucky Mortgage Loans Only- Rates Change
Conforming 15 year FRM3.5001.0003.8813035 / 45
Kentucky Mortgage Loans Only- Rates Change
FHA 30 year FRM4.2500.0005.6513035 / 50
Kentucky Mortgage Loans Only- Rates Change
FHA 15 year FRM3.5001.0004.2143035 / 50
Kentucky Mortgage Loans Only- Rates Change
Jumbo 30 year FRM5.9901.0006.8753028 / 36
Kentucky Mortgage Loans Only- Rates Change
VA 30 Year FRM4.2500.0005.1473041 / 41
Kentucky Mortgage Loans Only- Rates Change
Adjustable Rate Programs
Rates as of August 25, 2013  6:26:08 PM    Old Date?Lock
days
Qualifying
Ratios
ProgramRatePointsAPRIndexMarginCaps
Conforming 30/5/1 ARM4.9901.0005.214LIBOR1.9302/1/53028 / 41
Kentucky Mortgage Loans Only- Rates Change
Jumbo 30/5/1 ARM5.7501.0005.789T-Bill1.9605/1/103028 / 41
Kentucky Mortgage Loans Only- Rates Change
Jumbo 30/7/1 ARM5.5001.0005.124CMT1.9305/1/103028 / 36
Kentucky Mortgage Loans Only- Rates Change
Jumbo 30/10/1 ARM5.7501.0005.411CMT1.9305/1/103028 / 36
Kentucky Mortgage Loans Only- Rates Change
Please note:
  • This is not an advertisement for credit as defined by paragraph 226.24 of regulation Z.
  • APR calculations based on a loan amount of $200,000 for conforming loans, $500,000 for jumbo loans and a maximum loan-to-value ratio of 80%.
  • Rates, points and programs are subject to change without notice and cannot be guaranteed.
Rates Last Updated: 8/25/2013 11:54:42 AM