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Mortgage Loans

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Conventional Loan vs. FHA Loan | 2023 Rates and Guidelines

Compare FHA loans with 3.5% down vs. conventional loans with 3% down. Rates, requirements, credit score, eligibility, and benefits.

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Down Payment and Credit Score Requirements for a Kentucky FHA, VA, Conventional, KHC, and USDA Mortgage Loans.

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…

5 Things You Should Never Say When Getting a Mortgage

There are some topics you shouldn't bring up when getting a mortgage, because they wave unnecessary red flags. Here are a few—and why they cause concern.

Whatever you do, it is necessary to create a system for creating leads prior to you put anything into area. This will make sure that there is no waste of your time or cash which the leads are more likely to turn into sales. Once you have actually recognized the resource of your realty leads, there are 2 methods you can produce them.

Whatever you do, it is necessary to create a system for creating leads prior to you put anything into area. This will make sure that there is no waste of your time or cash which the leads are more likely to turn into sales. Once you have actually recognized the resource of your realty leads, there are 2 methods you can produce them.

How to Buy a House with No Money Down

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!

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You might be closer to making your vision board a reality than you know. Contact one of our mortgage loan officers to see if you pre-qualify for a new home loan. We’re ready to put out local knowledge and expertise to work for you.
Dreaming about buying a home? Whether it’s your first home or your forever home, KeyBank is here to explore your options and build a mortgage that works for you. Prequalifying takes only minutes, and our team is here to help every step of the way. With flexible terms and loan options with no down payment required, there’s never been a better time to buy. Let’s get you closer to your dream home. Visit us online to get started today.
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