Kentucky Mortgage Broker Offering FHA, VA, USDA, Conventional, and KHC Down Payment Assistance Home Loans 500 credit score FHA loan, 580 credit score FHA, 620 credit score FHA loan, appraisals, back to work program FHA KY, credit scores, credit scores FHA loan, Credit Scores/Credit Reports, FHA, FHA Back to Work Program Ky, FHA Guidelines, fha mortgage insurance premiums, first time buyer, first time buyer kentucky, First Time Home Buyer, Home Mortgage Rates Ky, Homeownership Assistance Programs: Kentucky, Kentucky FHA HUD Homes for $100 Down, Kentucky FHA Important Links, Kentucky Housing, Kentucky Mortgage Interest Rates, Kentucky Real Estate and Kentucky Appraisal Links, KY FHA LOANS, Loan Limits for FHA, louisville ky fha seller contributions, Louisville Ky Home Loans

Kentucky FHA Loan Requirements For Loan Approval.

images (3)

 

FHA Handbook 4000.1 Updates

Administration (FHA) Single Family Housing Policy Handbook 4000.1. These updates are effective September 30, 2016 and

 Clarification that an Upfront Mortgage Insurance Premium (UFMIP) refund calculation applies even if original UFMIP was
not financed.
 Mortgage Debt Not Included in Credit Report: Clarification that a manual downgrade is not required when there is no history of late payments, as detailed below.
o Not currently delinquent; and
o No 30 day late payments within 12 months of the case number assignment date; and
o No more than 2 x 30 day late payments within 24 months of the case number assignment date.
 A link has been added in the FHA Product Description from Mortgage Payment History requirements to “Credit History
Requirements for Manually Underwritten Loans.”
Appliances that add contributory value must be operable.
 Mechanical components and utilities: The appraiser must report the utility, safety, and capacity of the mechanical systems.
The appraiser must observe and operate all applicable mechanical systems and utilities. In conjunction with this guidance,
existing FHA Handbook guidance on the following topics will be added:
o Electrical System
o Heating and Cooling
o Plumbing
o Utilities

If you have questions about qualifying as first time home buyer in Kentucky, please call, text, email or fill out free prequalification below for your next mortgage loan pre-approval.


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 views of my employer. Not all products or services mentioned on this site may fit all people
Kentucky Mortgage Broker Offering FHA, VA, USDA, Conventional, and KHC Down Payment Assistance Home Loans debt to income ratios, Employment Gaps, FHA Back to Work Program Ky, FHA Co-signors, FHA Guidelines, first time buyer, first time buyer kentucky, income, job changes fha, job time, Kentucky FHA Important Links, Kentucky Housing, KY FHA LOANS, Loan Limits for FHA, louisville ky fha seller contributions, Self Employed

Kentucky FHA Mortgage Guidelines Changes for 2015

 unnamed (16)

Did You Know that Kentucky Mortgage FHA Income Requirements changed in October 2015?

• Job Changes –

FHA loan rules instruct lenders to, favorably consider a borrower for a mortgage if he/she changes jobs frequently within the same line of work, but continues to advance in income or benefits. In this instance, income stability takes precedence over job stability.

And FHA loan applicants who have been out of a job for a while but have since returned to employment may have their income considered effective and stable when recently returning to work after an extended absence if he/she:
–is employed in the current job for six months or longer, and
–can document a two year work history prior to an absence from employment using traditional employment verifications, and/or copies of W-2 forms or pay stubs.

Note: An acceptable employment situation includes an individual who took several years off from employment to raise children, then returned to the workforce.

• Employment Gaps –

For borrowers with gaps – FHA does not require a minimum length of time that a borrower must have held a position of employment. However, the lender must verify the borrowers employment for the most recent two full years, and the borrower must:
–explain any gaps in employment that span one or more months, and
–indicate if he/she was in school or the military during the most recent two full years, providing evidence supporting this claim, such as college transcripts, or discharge papers.

When analyzing the probability of continued employment, the lender must examine –the borrowers past employment record
–qualifications for the position
–previous training and education, and
–the employers confirmation of continued employment

images (3)

Joel Lobb
Senior Loan Officer
(NMLS#57916)

 

phone: (502) 905-3708
Fax: (502) 327-9119
kentuckyloan@gmail.com
http://www.mylouisvillekentuckymortgage.com/

 

 

 

 
Kentucky Mortgage Broker Offering FHA, VA, USDA, Conventional, and KHC Down Payment Assistance Home Loans FHA Back to Work Program Ky, first time buyer, first time buyer kentucky, First Time Home Buyer, Kentucky Housing, KY FHA LOANS, Louisville Ky Home Loans

First Time Home Buyer Programs Louisville Kentucky

First Time Home Buyer Programs Louisville Kentucky.

via First Time Home Buyer Programs Louisville Kentucky.

 

 

Kentucky Mortgage Broker Offering FHA, VA, USDA, Conventional, and KHC Down Payment Assistance Home Loans FHA, FHA Back to Work Program Ky, FHA Co-signors, FHA Guidelines, fha mortgage insurance premiums, FHA Streamline Refinance, first time buyer, First Time Home Buyer, Kentucky FHA Important Links, KY FHA LOANS, mi changes for FHA, mip, Mortgage Insurance UFMIP

FHA mortgage insurance premiums won’t be going down in 2015 | 2014-11-18 | HousingWire

FHA mortgage insurance premiums won’t be going down in 2015 | 2014-11-18 | HousingWire.

Kentucky Mortgage Broker Offering FHA, VA, USDA, Conventional, and KHC Down Payment Assistance Home Loans FHA, FHA Back to Work Program Ky, FHA Co-signors, FHA Guidelines, fha mortgage insurance premiums, FHA Streamline Refinance, KY FHA LOANS, Loan Limits for FHA, mi changes for FHA

Frequently Asked Questions about FHA Kentucky Home Loans

Frequently Asked Questions about FHA Kentucky Home Loans.

via Frequently Asked Questions about FHA Kentucky Home Loans.

 

FHA to 50%…up to 55% with comp factors and a strong borrower

Manual UW’s on FHA/ to 620 Score

FHA purchases and R/t refi’s down to a 580 with DU Approved Eligible

— 

 
Joel Lobb
Senior  Loan Officer
(NMLS#57916)
 
American Mortgage Solutions, Inc.
800 Stone Creek Pkwy, Ste 7,
Louisville, KY 40223
 Fax:     (502) 327-9119
 
 Company ID #1364 | MB73346

Kentucky Mortgage Broker Offering FHA, VA, USDA, Conventional, and KHC Down Payment Assistance Home Loans debt to income ratios, Fannie Mae Homepath, FHA, FHA Back to Work Program Ky, First Time Home Buyer, income, Kentucky FHA HUD Homes for $100 Down, Kentucky FHA Important Links, Kentucky Housing, Kentucky Mortgage Interest Rates, Kentucky Real Estate and Kentucky Appraisal Links, Kentucky State Mortgage Rates, louisville ky fha seller contributions, Louisville Ky Home Loans, rental income

Underwriting Rental Income for a Kentucky Mortgage Loan in 2014

Underwriting Rental Income.

 

Rental income can be used if all of the following conditions apply:

• The borrower has a two year history of managing rental properties as demonstrated by two years personal tax returns (1040’s) and schedule E.
• If the borrower wishes to qualify with rental income on the subject property in an investment transaction, they must provide evidence of rent loss insurance to cover six month’s rent in the event of a property vacancy.
• If the borrower owns a rental property that is not yet reflected on schedule E, they may use income from this property to qualify with a lease agreement. However, if the borrower does not have a two year demonstrated history of managing rental properties, this guideline is not valid. Also note, when a property is reflecting on the schedule E of the personal tax returns, lease agreements may not be used to determine qualifying income for any reason.

Once the gross rental income has been calculated from the schedule E of the tax returns OR using 75% of the monthly lease payment, you must deduct the monthly housing expense to determine net rental income. Net rental income is the final figure that is used to calculate the total debt ratio.

For example:

• Using a 24 month average of the calculated schedule E the underwriter has determined there is $300 monthly gross rental income.
• The underwriter then verifies the monthly PITI (principle, interest, taxes, and insurance) of $450 on the rental property. Note: If the rental property has a mortgage insurance or homeowners association dues expense, these amounts will be included in the PITI calculation.
• $300 gross rental income minus $450 monthly PITI nets a rental loss of $150. As a result, a $150 monthly liability is added to the total debt ratio.
This calculation is commonly referred to as “washing” the housing expenses on the property. Even though we still have a net loss that is included in the debt ratio, we were able to “wash” $300 of the $450 monthly PITI thereby improving our total debt ratios.

— 


Joel Lobb
Senior  Loan Officer
(NMLS#57916)
 
American Mortgage Solutions, Inc.
800 Stone Creek Pkwy, Ste 7,
Louisville, KY 40223
 Fax:     (502) 327-9119
 
 Company ID #1364 | MB73346

Kentucky Mortgage Broker Offering FHA, VA, USDA, Conventional, and KHC Down Payment Assistance Home Loans Collections Accounts, credit scores, Credit Scores/Credit Reports, FHA, FHA Back to Work Program Ky, fha mortgage insurance premiums, fico score, First Time Home Buyer, Kentucky FHA HUD Homes for $100 Down, Kentucky FHA Important Links, KY FHA LOANS

Mortgages and Credit Scores

Today, credit scores plays a big role in determining whether or not your mortgage loan is approved and at what interest rate.  Obtaining a mortgage loan at an interest rate just one point less results in a savings of about $5,000 on the average 15 year mortgage, and significantly more on a 30 year mortgage (about $50,000).
 
Why do lenders use your credit score in their lending decisions?  Because they discovered that there is a direct correlation between your credit score and the odds of your becoming delinquent on your monthly mortgage payments. Consider the following statistics the mortgage industry has compiled:

If Your Credit Score Is
 
780  

700
680
660
645
630
615
600
585
Your Odds of Becoming 90 Days Delinquent are
 

Factors contributing to someone's credit score...
Factors contributing to someone’s credit score, for Credit score (United States). (Photo credit: Wikipedia)
576 to 1
288 to 1
144 to 1
72 to 1
36 to 1
18 to 1
9 to 1
4 to 1
2 to 1
As the above table illustrates, those with credit scores below 630 are not a very good risk, so they will obtain a mortgage at a significantly higher interest rate and this will add anywhere from $50 to about $250 to their monthy mortgage payment and add thousands to the price of the home.
 
If your score is 660 or above, you can get a mortgage loan fairly easily since you are a pretty good risk. As stated above, the higher your score the lower your interest rate, so your goal shouldn’t be to obtain a credit score of 660; it should be to achieve a credit score of at least 700.  Some lenders will reward you if your credit score is higher than 725, by lowering your interest rate by about 1/4th of a percent.  If it is between 700 and 724, it will be lowered by 1/8th of a percent.
 
Does an interest point or two make such a big difference in the price of the house?  You bet it does!  It means saving  thousands in finance charges and a lower monthly payment.  For example, paying an interest rate just two points higher means paying an additional $200 each month on your house payment on the typical $150,000, 30-year mortgage loan.  That’s at least $72,000 more you’re going to pay for your house!
 
There are steps you can take to raise your credit score or overcome a low credit score:
 
(1)  Offer a larger down payment so that you aren’t borrowing so much money
(2)  Lower your debt-to-income ratio by paying off as much debt as you possibly can before applying for a mortgage loan in order to increase your credit score
(3)  Don’t buy a car just before applying for a mortgage loan as it lowers your credit score
For a Kentucky FHA Purchase Loan, we can go down to a 620 credit score with the minimum down payment of 3.5%.  No bankruptcies or foreclosures in the last 2 years.

FHA Manual Underwriting

The minimum FICO for FHA Manual Underwrites is being lowered to 620

Joel Lobb
Senior  Loan Officer
(NMLS#57916)
American Mortgage Solutions, Inc.
800 Stone Creek Pkwy, Ste 7,
Louisville, KY 40223
 Fax:     (502) 327-9119
 
 Company ID #1364 | MB73346

ated Articles
Kentucky Mortgage Broker Offering FHA, VA, USDA, Conventional, and KHC Down Payment Assistance Home Loans $100 down FHA program, FHA Approved Condo Kentucky, FHA Back to Work Program Ky, FHA Co-signors, FHA Guidelines, fha mortgage insurance premiums, FHA Streamline Refinance, fico scores FHA loan, first time buyer kentucky, Kentucky FHA Important Links

Kentucky FHA loans

Kentucky FHA loans have always been a great alternative for people who don’t quite qualify for Conventional financing.  The guidelines are more forgiving allowing for smaller down payments, higher debt to income ratios, some credit issues, and more sources for the down payment. 

The great thing is that the interest rate is only slightly higher than a conventional loan. Sometimes the interest rate is actually lower.  Remember this!  IF you go to a Kentucky Mortgage Broker or a Bank and the rate quoted is exceptionally higher, they are charging you too much.  Call around for quotes.  You will usually get a better rate from a Kentucky Mortgage broker.

Advantages:

  1. Kentucky FHA loans are not as strict on credit scoring. We can go down to a 580 credit score with compensating factors and if it makes sense.
  2. High debt to income ratios: 31% / 55%
  3. 100% of down payment can be a gift from: relative, close friend, or employer. Currently Kentucky Housing will give you up to $6,000 for down payment assistance with Kentucky FHA mortgage loans
  4. Seller, builder, or realtor can pay up to 6% of the sales price towards the buyers closing costs, discount points, prepaids,  and up front mortgage insurance premium.
  5. Buyer can finance closing costs into the loan, except for prepaids and discount points.
  6. Credit criteria is not as strict as a Conventional loan.  In fact, you might qualify if you have filed a chapter 13 bankruptcy and have been in it for at least one year.

Disadvantages:

  1. Kentucky FHA mortgage insurance may be more expensive than Conventional mortgage insurance.
  2. Maximum loan amounts are lower than conventional loans and they are determined by area.
Kentucky Mortgage Broker Offering FHA, VA, USDA, Conventional, and KHC Down Payment Assistance Home Loans Appraisers FHA, FHA, FHA Back to Work Program Ky, FHA Guidelines, FHA Streamline Refinance, First Time Home Buyer, Home Mortgage Rates Ky, Homeownership Assistance Programs: Kentucky, Kentucky FHA HUD Homes for $100 Down, Kentucky FHA Important Links, Kentucky Housing, KY FHA LOANS, louisville ky fha seller contributions, Louisville Ky Home Loans

FHA Loans in Louisville, kentucky

FHA Loans in Louisville, kentucky

fha loans louisville ky
fha loans Louisville Kentucky

 

FHA loans in Louisville Kentucky  can benefit those who would like to purchase a home in louisville but haven’t been able to save enough money for the purchase: like recent college graduates, newlyweds, or people who are still trying to complete their education. It also allows individuals whose credit has been marred by bankruptcy or foreclosure to qualify for an FHA loan.

The following list of Kentucky FHA appraisers has been assembled from the HUD.gov database. Visit the HUD website for the most current list of FHA appraisers in louisville, kentucky

FHA Loans Kentucky Housing First time home buyer …
502-905-3708 for your free FHA Mortgage Prequalification

.

JOSEPH ABELL
9016 TAYLORSVILLE RD, STE 142, LOUISVILLE, KY, 40299
KY3605, 06/30/2011

APPRAISER FOR ANHOUSE APPR.
SAUL ANHOUSE
3922 DUPONT SQUARE S. STE B, LOUISVILLE, KY, 40207
INCR69201554, 06/30/2012

MICHAEL JAY ANHOUSE
MICHAEL ANHOUSE
201 BRECKENRIDGE LN, SUITE 201, LOUISVILLE, KY, 40207
INCR49700184, 06/30/2012

LANDSAFE
ANTHONY AUGELLO
230 TYNE RD, LOUISVILLE, KY, 40207
KY4429, 06/30/2011

STAMBAUGH ENTERPRISES, INC.
ANNE BAKER
807 ALDEN ROAD, LOUISVILLE, KY, 40207
INCR60901123, 06/30/2012

RESIDENTIAL APPRAISAL SPECIAL
DANETTE BASHORE
1600 NIGHT HAWK CT, LOUISVILLE, KY, 40223
KY374, 06/30/2011

JOSHUA BEAM
3723 TYLORSVILLE ROAD, LOUISVILLE, KY, 40220
KY3754, 06/30/2011

RICHARD BECKLEY
255 RIDGEWAY CORNER, LOUISVILLE, KY, 40207
KY605, 06/30/2011

NORA BENSON APPRAISAL SERVICE
NORA BENSON
1605 NIGHT HAWK COURT, LOUISVILLE, KY, 40223
KY2214, 06/30/2011

J BENTLEY
1605 TWO SPRINGS PLACE, LOUISVILLE, KY, 40207
KY3212, 06/30/2011

THE APPRAISAL GROUP, LLC
JOY BICKEL
3928 BARDSTOWN ROAD, LOUISVILLE, KY, 40218
KY3934, 06/30/2011

DAVID BICKER
4322 MILLDAUN ROAD, LOUISVILLE, KY, 40213
INCG49600178, 06/30/2012

BLANTON APPRAISALS
ROBERT BLANTON
4014 LAURELWOOD AVENUE, LOUISVILLE, KY, 40220
KY3256, 06/30/2011

ACCURATE APPRAISAL SERVICE
STEVEN BOHN
3702 WINCHESTER ROAD, LOUISVILLE, KY, 40207
KY202, 06/30/2011

PHILIP BOHR
9715 BROAD RUN ROAD, LOUISVILLE, KY, 40299
INCR40200329, 06/30/2012

MARK BOLLINGER
8712 BAYBERRY PLACE, LOUISVILLE, KY, 40242
KY391, 06/30/2011

LARRY BOSCO
LARRY BOSCO
PO BOX 5782, LOUISVILLE, KY, 40255
KY1709, 06/30/2011

BRUNSTETTER APPRAISAL, INC.
JOHN BRUNSTETTER
3766 STANTON BLVD., LOUISVILLE, KY, 40220
INCR60600347, 06/30/2012

BUNDY APPRAISAL SERVICES
LARRY BUNDY
4123 HILLBROOK DRIVE, LOUISVILLE, KY, 40220
KY2560, 06/30/2011

MARGARET BURRELL
2803 ARDEN ROAD, LOUISVILLE, KY, 40220
KY2852, 06/30/2011

DONNA CAPOZZOLI
DONNA CAPOZZOLI
7601 ASHLEYWOOD DRIVE, LOUISVILLE, KY, 40241
GACR002815, 03/31/2011

CAMPBELL
DANIEL CHANDLER
1849 GRESHAM RD., LOUISVILLE, KY, 40205
KY3468, 06/30/2011

CONLON APPRAISAL COMPANY
JEFFREY CONLON
219 BRAMTON ROAD, LOUISVILLE, KY, 40207
KY3739, 06/30/2011

CULLEN APPRAISAL SERVICE, INC.
FRIEDA CULLEN
2038 LAKESIDE DRIVE, LOUISVILLE, KY, 40205
KY1840, 06/30/2011

DEELEY, MERIMEE, SLEADD
BRIAN DEELEY
1300 GARDINER LANE STE 8, LOUISVILLE, KY, 40218
KY424, 06/30/2011

CULLEN APPRAISAL SERVICE, INC.
JENNIFER DEHN
2038 LAKESIDE DRIVE, LOUISVILLE, KY, 40205
KY4053, 06/30/2011

DELLING APPRAISALS
NATHAN DELLING
9125 BROAD RUN ROAD, LOUISVILLE, KY, 40291
INCR49600089, 06/30/2012

MCCARTY
TONY DEMALA
10325 LINN STATION ROAD, LOUISVILLE, KY, 40223
KY1319, 06/30/2011

MARVIN DEVER, INC.
MARVIN DEVER
P. O. BOX 34035, LOUISVILLE, KY, 40232
FLRD3811, 11/30/2012

LARRY DURHAM
2003 HILLCIRCLE ROAD, LOUISVILLE, KY, 40214
KY431, 06/30/2011

FRANK DURSO
315 MONOHAN DRIVE, LOUISVILLE, KY, 40207
KY3655, 06/30/2011

THE APPRAISAL GROUP. LLC
JANE DYER
3928 BARDSTOWN ROAD, LOUISVILLE, KY, 40218
KY2750, 06/30/2011

WOODY
DAVID EDWARDS
9010 WESTPORT ROAD, LOUISVILLE, KY, 40242
KY1721, 06/30/2011

TODD EDWARDS
3839 ORMOND ROAD, LOUISVILLE, KY, 40207
KY3078, 06/30/2011

EIBEL APPRAISAL SERV.
CRAIG EIBEL
4604 CHENOWETZ RUN RD., LOUISVILLE, KY, 40299
KY3785, 06/30/2011

ELLIS
GREGORY ELLIS
P O BOX 99278, LOUISVILLE, KY, 40269
INCR40000074, 06/30/2012

ENGLISH APPRAISAL SERVICES
DAVID ENGLISH
6013 BROWNSBORO PARK BLVD, LOUISVILLE, KY, 40207
KY4153, 06/30/2011

ENGLISH APPRAISAL SERVICES
JOHN ENGLISH
6013 BROWNSBORO PARK BLVD G, LOUISVILLE, KY, 40207
KY1401, 06/30/2011

ENGLISH APPRAISAL SERVICE
LINDA ENGLISH
6013 BROWNSBORO PK BLVD STE.G, LOUISVILLE, KY, 40207
KY259, 06/30/2011

MARGARET FADELEY
MARGARET FADELEY
111 COLONIAL DRIVE, LOUISVILLE, KY, 40207
KY2727, 06/30/2011

ANDREW FALCO
2909 ENGLEWOOD AVENUE, LOUISVILLE, KY, 40220
INCG40600258, 06/30/2012

FITZSIMMONS APPRAISAL
DANIEL FITZSIMMONS
P.O. BOX 23087, LOUISVILLE, KY, 40223
KY1287, 06/30/2011

FLYNN APPRAISAL CONSULTANTS
GARY FLYNN
8012 CEDAR GLEN LN., LOUISVILLE, KY, 40291
INCR60000205, 06/30/2012

AMERICAN APPRAISERS CORP
DANIEL FORD
10507 WATTERSON TRAIL, LOUISVILLE, KY, 40205
KY4089, 06/30/2011

RUSS GAILOR
THOMAS GAILOR
5385 NEW CUT ROAD, LOUISVILLE, KY, 40214
KY4134, 06/30/2011

PAULA GILLILAND
9518 WESSEX PLACE, LOUISVILLE, KY, 40222
KY3940, 06/30/2011

ENGLISH APPRAISAL SERVICES
M. CHARLOTTE GOODMAN
6013 BROWNSBORO PK BLVD STE.G, LOUISVILLE, KY, 40207
KY448, 06/30/2011

RELS VALUATION
TIMOTHY GRAY
4502 DOGWOOD FOREST PLACE, LOUISVILLE, KY, 40245
KY1038, 06/30/2011

BILLY GREY
BILLY GREY
9502 COOPER CHASE COURT, LOUISVILLE, KY, 40229
KY1074, 06/30/2011

ROBERT HALL
7406 STEEPLECREST CIRCLE #202, LOUISVILLE, KY, 40222
KY1547, 06/30/2011

MOORE
PAUL HASSON
10347 LINN STATION ROAD, LOUISVILLE, KY, 40223
KY2209, 06/30/2011

HAWKINS REALTY GROUP
DOUG HAWKINS
P. O. BOX 34036, LOUISVILLE, KY, 40232
KY740, 06/30/2011

PREFERRED APPRAISAL
DONNA HEDRICK
4304 ASHLEY CREEK CT., LOUISVILLE, KY, 40241
KY2276, 06/30/2011

ENGLISH APPRAISAL SERVICES
JEAN HENRY
6013 BROWNSBORO PARK BLVD, #G, LOUISVILLE, KY, 40207
KY2456, 06/30/2011

ARTHUR HIGDON
10308 ROCK FALLS CT, LOUISVILLE, KY, 40223
KY1714, 06/30/2011

NHB APPRAISAL SERVICES LLC
BRUCE HIGGASON
4842 BROWNSBORO CENTER, LOUISVILLE, KY, 40207
INCR60300459, 06/30/2012

K. HILL REAL ESTATE APPRAISER
KATHARINE HILL
P.O. BOX 5482, LOUISVILLE, KY, 40255
KY3808, 06/30/2011

HOLLAND APPRAISALS
DIANNE HOLLAND
3308 DAYTON AVE, LOUISVILLE, KY, 40207
KY894, 06/30/2011

APPROVED APPRAISAL SERVICE
MARK HOLLEY
4949 OLD BROWNSBORO ROAD #154, LOUISVILLE, KY, 40222
KY3515, 06/30/2011

HOLLEY APPRAISAL SERVICE, LLC
SANDRA HOLLEY
9431 WESTPORT ROAD #243, LOUISVILLE, KY, 40241
INCR60200234, 06/30/2012

PAT HORNBACK
4816 SO. SECOND STREET, LOUISVILLE, KY, 40214
KY1696, 06/30/2011

MARGARET HORRAR
526 NOTTINGHAM PARKWAY, LOUISVILLE, KY, 40222
KY279, 06/30/2011

HOWARD APPRAISAL SERVICE
MARK HOWARD
PO BOX 91254, LOUISVILLE, KY, 40291
KY745, 06/30/2011

EDWARD HYSINGER
EDWARD HYSINGER
2843 BROWNSBORO RD. STE. 107, LOUISVILLE, KY, 40206
KY4192, 06/30/2011

DENNIS BADGER
JANICE JENKINS
816 GAGEL AVENUE, LOUISVILLE, KY, 40216
KY1215, 06/30/2011

SCOTT A. JOHNSON APPRAISAL INC
SCOTT JOHNSON
3302 BROECK POINTE CIRCLE, LOUISVILLE, KY, 40241
KY1761, 06/30/2011

REALTY SOLUTIONS CO., INC.
GLEN KATZ
3815 STONYRUN CIR, LOUISVILLE, KY, 40220
KY1533, 06/30/2011

SCOTT KREMER
3505 HURSTBOURNE RIDGE BLVD, LOUISVILLE, KY, 40299
KY3532, 06/30/2011

STEVEN W KRUSE, APPRAISER
STEVEN KRUSE
2242 TALBOTT AVE, LOUISVILLE, KY, 40205
KY1598, 06/30/2011

AMERICAN REALTY
JAMES KUHNS
609 MARYHILL LANE, LOUISVILLE, KY, 40207
INCR60000262, 06/30/2012

KURTZ APPRAISER COMPANY
RONALD KURTZ
603 HATHERLEIGH LANE, LOUISVILLE, KY, 40222
KY3072, 06/30/2011

ROBERT LADD
4616 HAERINGDON DRIVE, LOUISVILLE, KY, 40299
KY752, 06/30/2011

JOHN LEGGETT
2629 LANDOR AVENUE, LOUISVILLE, KY, 40205
INCR60801076, 06/30/2012

GALLOWAY APPRAISAL
KEITH LEWIS
2525 NELSON MILLER PRKWY #101, LOUISVILLE, KY, 40223
KY3120, 06/30/2011

LINDSEY APPRAISAL SERVICE
JANE LINDSEY
6516 LOVERS LANE, LOUISVILLE, KY, 40291
KY651, 06/30/2011

MAIER RESIDENTIAL APPRAISALS
MARY MAIER
2310 FALLSVIEW ROAD, LOUISVILLE, KY, 40207
KY498, 06/30/2011

D
DEREK MATHES
1300 GARDINER LANE, LOUISVILLE, KY, 40213
KY2370, 06/30/2011

JOHN MAY
DAVID MAY
3703 TAYLORSVILLE RD. STE 109, LOUISVILLE, KY, 40220
KY1014, 06/30/2011

JOHN MAY
JOHN MAY
3703 TAYLORSVILLE-ST.#109 RD, LOUISVILLE, KY, 40220
KY657, 06/30/2011

JOHN MAY
JOHN MAY
3703 TAYLORSVILLE RD STE 109, LOUISVILLE, KY, 40220
KY656, 06/30/2011

ROBERT MCCARTER
11106 HUNTLEY PLACE, LOUISVILLE, KY, 40243
KY799, 06/30/2011

CORNERSTONE APPRAISAL CO., LLC
SHERI MCFARLAND
7514 LANFAIR DRIVE, LOUISVILLE, KY, 40241
KY3020, 06/30/2011

SANDERFER APPRAISAL SERVICE
ERIC MCGLINCY
3723 TAYLORSVILLE ROAD, LOUISVILLE, KY, 40220
KY4441, 06/30/2011

HOME APPRAISAL SERVICES
STEPHEN METZGER
1127 JOHNSON FARM ROAD, LOUISVILLE, KY, 40245
KY3267, 06/30/2011

DAVID MICHALS INC.
DAVID MICHALS
8505 HURSTBOURNE WOODS PLACE, LOUISVILLE, KY, 40299
KY165, 06/30/2011

CARL MICHALS
3703 TAYLORSVILLE RD STE 113, LOUISVILLE, KY, 40220
KY164, 06/30/2011

LEWMAN-MILLER APPRAISAL CO.
GARY MILLER
125 CHENOWETH LANE, LOUISVILLE, KY, 40207
KY3647, 06/30/2011

MOORE
LESLIE MOORE
10347 LINN STATION ROAD, LOUISVILLE, KY, 40223
KY2191, 06/30/2011

MOSHER APPRAISAL SERVICE
CHRISTOPHER MOSHER
1506 BELLINGHAM COURT, LOUISVILLE, KY, 40245
KY2714, 06/30/2011

DOROTHY MOUNTZ
508 NOTTINGHAM PKWY, LOUISVILLE, KY, 40222
KY2608, 06/30/2011

MUELLER APPRAISALS
KRISTIN MUELLER
P O BOX 43234, LOUISVILLE, KY, 40205
KY3551, 06/30/2011

NHB APPRAISAL SERVICES
MICHAEL NEELY
4842 BROWNSBORO CENTER, LOUISVILLE, KY, 40207
KY1972, 06/30/2011

THE APPRAISAL GROUP, LLC
ANISSA PEARSON
3928 BARDSTOWN ROAD, BLDG. 1, LOUISVILLE, KY, 40218
KY2740, 06/30/2011

JOE PEERY GROUP APPRSRS INC.
HOWARD PEERY
130 FAIRFAX AVE. STE B, LOUISVILLE, KY, 40207
INCR61001240, 06/30/2012

ANN PIPES
112 LOGDSON COURT, LOUISVILLE, KY, 40243
KY4099, 06/30/2011

ANDREW QUIGGINS
ANDREW QUIGGINS
PO BOX 991485, LOUISVILLE, KY, 40269
INCR60700911, 06/30/2012

LINDA RIGGLE
2808 SMOKE ROAD, LOUISVILLE, KY, 40220
KY4309, 06/30/2011

SANDERFER APPRAISAL SVC INC
WILLIAM SANDERFER
3723 TAYLORSVILLE ROAD, LOUISVILLE, KY, 40220
KY551, 06/30/2011

SANDERFER APPRAISALS
WILLIAM SANDERFER
3723 TAYLORSVILLE ROAD, LOUISVILLE, KY, 40208
INCR61001288, 06/30/2012

SANDERFER APPRAISAL SERVICE
BRIAN SANDERFER
3723 TAYLORSVILLE ROAD, LOUISVILLE, KY, 40220
INCG40600301, 06/30/2012

SANDERFER APPRAISAL
MATHEW SANDERFER
3723 TAYLORSVILLE RD., LOUISVILLE, KY, 40220
INCR61001299, 06/30/2012

BAS APPRAISALS, INC.
BARBARA SATTERLY
8108 WATTERSON TRAIL, LOUISVILLE, KY, 40299
INCR60700817, 06/30/2012

B
ROBERT SCHRADER
1700 HASTY WAY, LOUISVILLE, KY, 40216
KY2557, 06/30/2011

DEELEY, MERIMEE AND SLEADD
JEFFREY SLEADD
1300 GARDINER LANE, STE 8, LOUISVILLE, KY, 40213
KY1337, 06/30/2011

ENGLISH APPRAISAL SERVICES
ELIZABETH STEPHENS
6013 BROWNSBORO PARK BLVD., G, LOUISVILLE, KY, 40207
KY2883, 06/30/2011

STICKLER
BRIAN STICKLER
7609 FEGENBUSH LANE, LOUISVILLE, KY, 40291
KY1409, 06/30/2011

STOCKTON APPRAISAL GROUP
JASON STOCKTON
11039 RADLEIGH LANE, LOUISVILLE, KY, 40291
KY3583, 06/30/2011

TERRY APPRAISAL SERVICE
CHRISTOPHER TERRY
3303 LAFOLLETTE DRIVE, LOUISVILLE, KY, 40299
KY1766, 06/30/2011

DENNIS BADGER
THOMAS VEIT
816 GAGEL AVENUE, LOUISVILLE, KY, 40216
KY2364, 06/30/2011

THE APPRAISAL GROUP
TERRY WALKER
3928 BARDSTOWN RD-BLDG 1 2ND F, LOUISVILLE, KY, 40218
KY4126, 06/30/2011

PREFERRED APPRAISAL
DONNA WALSH
4508 MT. VERNON ROAD, LOUISVILLE, KY, 40220
KY4314, 06/30/2011

WATSON APPRAISALS,LLC
DOUGLAS WATSON
4405 ALICENT COURT, LOUISVILLE, KY, 40207
KY3016, 06/30/2011

B.R.E. CONSULTING
MICHAEL WIENTJES
4322 MILLDAUN ROAD, LOUISVILLE, KY, 40213
INCR60901227, 06/30/2012

B.R.E CONSULTING
DAVID WILD
4322 MILLDAUN ROAD, LOUISVILLE, KY, 40213
KY3211, 06/30/2011

WILLIAMS APPRAISAL COMPANY
GREGORY WILLIAMS
721 W MUHAMMAD ALI BLVD, LOUISVILLE, KY, 40203
KY190, 06/30/2011

REBECCA WINN APPRAISALS
REBECCA WINN
2443 BLVD. NAPOLEON, LOUISVILLE, KY, 40205
KY3050, 06/30/2011

—
 
Joel Lobb
Senior  Loan Officer
(NMLS#57916)
American Mortgage Solutions, Inc.
800 Stone Creek Pkwy, Ste 7,
Louisville, KY 40223
 Fax:     (502) 327-9119
 
 Company ID #1364 | MB73346