How to get a Kentucky Mortgage Loan with No Credit Score for FHA, VA, USDA and KHC

No Credit Score for FHA, VA, USDA and KHC 

Please see the no score requirements below Kentucky FHA, VA, USDA and Fannie Mae Mortgage Loan .  Note: for government, at least one borrower must have a score.

 

Conventional:

A/E AUS required

No scores acceptable

12 months housing history required

FTHB education required

All borrowers must occupy

Priced off borrower w/ fico OR 580 if no scores

 

 

 

 

 

FHA:

A/E AUS required. These cannot be done as a manual. Non-occupant co-borrower income cannot be used to qualify and debt must be included in DTI unless approve eligible.  

One borrower must have a score

12 months housing history required

Borrower with no fico must have 3 HUD acceptable alternative tradelines   

 

 

FHA –  IF 1 BORROWER HAS NO SCORE, 

 

 

 

VA - IF 1 BORROWER HAS NO SCORE, THE BORROWER WITH THE SCORE NEEDS TO BE INPUT AS THE CREDIT SCORE FOR PRICING

 

 

 

USDA - IF 1 BORROWER HAS NO SCORE, 

 

Joel Lobb  Mortgage Loan Officer

American Mortgage Solutions, Inc.
10602 Timberwood Circle
Louisville, KY 40223
Company NMLS ID #1364

Text/call: 502-905-3708
fax: 502-327-9119
email: kentuckyloan@gmail.com

http://www.mylouisvillekentuckymortgage.com/

NMLS 57916  | Company NMLS #1364/MB73346135166/MBR1574
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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).