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Mortgage Lenders

The Mortgage Bankers Association of Louisville is a local chapter of the Mortgage Bankers Association, the national association representing the real estate finance industry. This would include, Auto loans, credit cards, student loans, personal loans, mortgage lender Louisville child support, alimony….basically any consistent outgoing debt that you're paying on. Again, if you're paying less than 45% of your gross monthly income to all of the debts, plus your proposed housing payment, then……generally, you're safe.
As commercial brokers, we know the underwriting guidelines of our lenders, and when we submit your loan we make sure that the credit officers or loan committee that will eventually be approving your loan are on board - thus helping you sleep better at night.



Income is one of the most important variables a lender will examine because it is used to repay the loan. I owe my successes to a service model based on the Benchmark Core Values We pride ourselves on providing personal service, competitive rates, and efficient loan processing.
It's also the fastest-growing company among the state's top VA lenders, having increased its loan volume by an astonishing 28% from 2013 to 2018. If you're looking for any type mortgage or loan in Prospect, browse through our list of all lenders below. FHA Loan: Rate is fixed.

Conventional loans are a good option for borrowers with high income and credit scores. Full list of 25 mortgage brokers in Prospect, KY. Find 25 mortgage companies and lenders in Prospect, KY. An FHA loan is a mortgage insured by the Federal Housing Administration that requires a smaller down payment than a traditional mortgage.
If you have access to 3.5% down payment, you can go FHA and secure a 30 year fixed rate mortgage with some lenders with a 580 credit score. First Commonwealth Mortgage is licensed as a Residential Mortgage Broker and as such, will not make any mortgage loan commitments or fund any mortgage loans; First Commonwealth Mortgage arranges all loans with third-party providers.
Don't expect every lender to charge the same fees for a mortgage loan. LendingTree can help you find and compare mortgage rates, all without affecting your credit. Lenders use a 2-year average monthly income figure from the Adjusted Gross Income on the tax returns.

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