Joel Lobb Appraisals & Property Requirements, FHA Guidelines & Requirements, HUD Homes & $100 Down, Kentucky First-Time Home Buyers

Understanding FHA Appraisal Rules in Kentucky

2026 Kentucky FHA Mortgage Guide

Kentucky FHA Appraisal Requirements for Mortgage Loan Approval

If you are buying a home in Kentucky with an FHA loan, the appraisal is not just about value. FHA also reviews the property condition to make sure the home meets basic HUD safety, security, and livability standards.

Call or Text Joel: 502-905-3708 Email Joel

FHA appraisals can make or break a Kentucky home purchase. A property may appraise for enough money, but still require repairs before the loan can close. That is where buyers, sellers, and realtors sometimes get caught off guard.

The goal of this guide is to explain the major FHA appraisal rules in plain English, including property condition issues, appraisal validity, FHA flipping rules, and how FHA compares with VA, USDA, and conventional financing.

Bottom line: FHA is a strong loan program for many Kentucky buyers, especially buyers with limited down payment funds, but the property still has to meet FHA standards before closing.

Table of Contents

  1. What Is an FHA Appraisal?
  2. Core FHA Appraisal Requirements
  3. FHA Appraisal Validity Period
  4. FHA Anti-Flipping Rules
  5. Exceptions to FHA Flipping Rules
  6. FHA vs. VA, USDA, and Conventional Appraisals
  7. Frequently Asked Questions
  8. Contact Joel Lobb

What Is an FHA Appraisal in Kentucky?

An FHA appraisal is completed by an FHA-approved appraiser. The appraiser reviews the property to determine whether the value supports the purchase price and whether the property meets HUD minimum property standards.

A conventional appraisal is mainly focused on market value. FHA goes further because the property must also meet minimum standards for health, safety, and soundness.

The FHA appraisal has two main jobs:

  • Confirm market value. The appraiser compares the home to similar recent sales to determine whether the purchase price is supported.
  • Review property condition. The appraiser looks for obvious health, safety, and structural concerns that may need to be repaired before closing.

Kentucky buyer tip: The buyer, seller, realtor, and loan officer do not directly select the appraiser. The appraisal is ordered through an independent appraisal process to protect the integrity of the valuation.

Core FHA Appraisal Requirements for Kentucky Properties

FHA does not require the home to be perfect. It does require the property to be safe, structurally sound, and livable. Cosmetic issues usually are not a problem. Health, safety, or structural issues usually are.

Common FHA property items appraisers review

  • Permanent heat source: The home needs a working, permanent heat source capable of heating the living area.
  • Utilities on and working: Electricity, water, plumbing, and other utilities should be on and functional at the time of appraisal.
  • Roof condition: The roof should not show obvious active leaks or major deterioration.
  • Electrical safety: Exposed wiring, missing covers, or unsafe electrical conditions may be flagged.
  • Peeling paint: Peeling or chipping paint can be an issue, especially on homes built before 1978 because of lead-based paint concerns.
  • Stairs, decks, and handrails: Unsafe stairs, missing railings, or unstable decks may require correction.
  • Water intrusion: Standing water, visible moisture damage, or active leaks may create an FHA repair condition.
  • Functional kitchen and bathroom: The home should have basic working kitchen and bathroom facilities.

Important: If the appraiser calls for repairs, those repairs normally must be completed and reinspected before the FHA loan can close. This can delay closing if the seller is not prepared.

Property types that may work with FHA

  • Single-family homes
  • Eligible manufactured homes on a permanent foundation
  • Approved condominiums
  • Eligible multi-unit properties, if the borrower will occupy one of the units
  • New construction, if the property meets FHA and lender requirements

FHA Appraisal Validity Period

FHA appraisal validity rules were updated for case numbers assigned on or after June 1, 2022. In most standard FHA forward mortgage transactions, the initial FHA appraisal is valid for 180 days from the effective date of the appraisal report. An appraisal update can extend the validity period to one year from the effective date of the original appraisal.

Appraisal Item Current FHA Rule
Initial FHA appraisal Generally valid for 180 days from the effective date
Appraisal update May extend validity up to one year from the original appraisal effective date
Old 30-day extension Eliminated under the updated FHA guidance

What this means: Kentucky buyers have more time to close before the appraisal expires, which can help when repairs, title issues, underwriting conditions, or seller delays slow down the file.

FHA Anti-Flipping Rules in Kentucky

FHA flipping rules matter when the seller recently bought the property and is now reselling it. This is common with investor-owned homes, renovated homes, wholesale transactions, and properties purchased through foreclosure or auction.

The 90-day FHA flipping rule

If the seller has owned the property for 90 days or fewer, the property is generally not eligible for FHA financing. This is one of the biggest FHA deal killers on recently renovated homes.

The 91-180 day FHA flipping rule

If the seller has owned the property between 91 and 180 days, FHA may require a second appraisal if the resale price is 100% or more over the price paid by the seller.

Seller Ownership Period FHA Impact
0-90 days Generally not eligible for FHA financing
91-180 days Second appraisal may be required if resale price is 100% or more above the seller’s purchase price
181+ days Standard FHA appraisal rules generally apply

Realtor warning: Before writing an FHA offer on a flipped or renovated property, verify when the seller acquired title. The listing date does not control the FHA flip clock. The seller’s acquisition date does.

Exceptions to FHA Anti-Flipping Rules

Some transactions may be exempt from FHA property flipping restrictions. These exceptions can include certain sales by government agencies, inherited properties, relocation companies, HUD REO properties, and new construction homes that were never occupied.

Even when an exception may apply, the lender still has to document the file correctly. Do not assume the exception applies until the title history and supporting documentation are reviewed.

How FHA Appraisal Rules Compare to VA, USDA, and Conventional Loans

FHA is not the only loan option for Kentucky buyers. Depending on credit, income, military eligibility, property location, and down payment funds, VA, USDA, or conventional financing may be a better strategic fit.

Loan Program Appraisal / Property Notes
FHA Strong option for many buyers, but property condition and FHA flipping rules must be reviewed carefully.
VA No monthly PMI and no down payment for eligible veterans, but VA minimum property requirements still apply.
USDA Rural Housing Zero down payment option for eligible rural properties and eligible household income, with property condition standards similar to FHA in many areas.
Conventional / Fannie Mae May be more flexible on certain property issues, but credit, debt ratio, down payment, and private mortgage insurance must be considered.

Need to Know If a Kentucky Property Will Pass FHA?

Before you spend money on inspections, appraisal fees, or moving forward with a questionable property, it is smart to have the financing reviewed upfront.

Call or text Joel Lobb at 502-905-3708 or email kentuckyloan@gmail.com to review your FHA, VA, USDA, KHC, or conventional mortgage options.

Frequently Asked Questions About FHA Appraisals in Kentucky

How long is an FHA appraisal valid?

For many standard FHA forward mortgage transactions with case numbers assigned on or after June 1, 2022, the initial appraisal is valid for 180 days from the effective date of the appraisal report. An eligible appraisal update can extend validity to one year from the original appraisal effective date.

Can a recently flipped home qualify for FHA financing?

Possibly, but timing matters. If the seller has owned the home for 90 days or fewer, FHA financing is generally not available. If the seller has owned it for 91 to 180 days and the resale price is 100% or more above what the seller paid, FHA may require a second appraisal.

Who orders the FHA appraisal?

The lender orders the appraisal through an independent appraisal process. Buyers, sellers, realtors, and loan officers do not directly choose the appraiser.

What happens if the FHA appraisal comes in low?

If the appraised value is lower than the contract price, the buyer and seller may need to renegotiate, the buyer may need to bring the difference in cash, or the buyer may need to evaluate whether the contract allows them to cancel. The loan amount is based on the lower of the purchase price or appraised value.

What are common FHA repair items?

Common FHA repair items include peeling paint, exposed wiring, missing handrails, roof problems, broken windows, water intrusion, unsafe stairs, and non-working utilities or mechanical systems.

Can an FHA appraisal be transferred to another lender?

FHA appraisals can often be transferred between lenders with the FHA case number and appraisal report, subject to lender review and FHA requirements.

Contact Joel Lobb for a Kentucky Mortgage Pre-Approval

If you are buying a home in Kentucky and want to know whether FHA, VA, USDA, KHC, or conventional financing is the right path, contact Joel Lobb for a mortgage pre-approval review.

About Joel Lobb

Joel Lobb is a Kentucky mortgage loan officer specializing in FHA, VA, USDA, KHC, and conventional mortgage loans. With over 20 years of mortgage experience, Joel helps Kentucky homebuyers understand their loan options, improve file readiness, and move through the pre-approval and underwriting process with confidence.

Joel Lobb
Mortgage Loan Officer
NMLS #57916
EVO Mortgage | Company NMLS #1738461

Equal Housing Lender. This is not a commitment to lend. All loans are subject to credit approval, property approval, program requirements, and underwriting approval. Mortgage loans only offered in Kentucky. Not affiliated with FHA, VA, USDA, KHC, HUD, or any government agency. NMLS #57916 | Company NMLS #1738461.

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Kentucky FHA Credit Guidelines: Collections, Disputes, Judgments and Late Payments (2026)

Kentucky FHA Loan Guidelines for Credit, Down payment, income,

Updated October 2026 by Joel Lobb, Kentucky FHA mortgage broker (NMLS #57916).

If you are a Kentucky homebuyer with collections, disputed accounts, judgments, or late payments on your credit report, you can still qualify for an FHA loan. These are not brand-new 2026 rules; they are FHA’s standing guidelines in HUD Handbook 4000.1. What matters is understanding how each item is treated and what can push your loan from an automated approval into a manual underwrite.

How FHA Loans Are Approved: Automated vs. Manual

Most FHA loans are run through FHA’s TOTAL Mortgage Scorecard. Lenders access it through their automated underwriting system (such as Fannie Mae’s Desktop Underwriter or Freddie Mac’s Loan Product Advisor), but the decision comes from FHA’s scorecard, not Fannie Mae’s guidelines. An “Accept” gets the more flexible automated rules. A “Refer,” or certain credit issues, means a human underwriter reviews the file under stricter manual underwriting rules.

Collection Accounts: The $2,000 Rule

  • Under $2,000 in combined non-medical collections: no payoff required and nothing added to your debt-to-income ratio (DTI).
  • $2,000 or more: the lender must verify the collections are paid in full before or at closing, count your payment plan in your DTI, or count 5% of each collection’s balance as a monthly payment in your DTI.
  • Medical collections are excluded from the $2,000 total. Charge-offs do not have to be paid and are not counted in your DTI.

Kentucky note: in community property states, a non-borrowing spouse’s collections count toward the $2,000 total. Kentucky is not a community property state, so this rule does not apply to Kentucky purchases.

Full details and a worked example: Does FHA Require Collections to Be Paid Off? Kentucky FHA Collection Rules (2026).

Disputed Accounts

A disputed account is one you have formally challenged with the credit bureau. A disputed derogatory account can be a collection, a charge-off, or a late payment reported in the last 24 months. If your disputed derogatory accounts total $1,000 or more, an automated “Accept” must be downgraded to manual underwriting. These disputes do not count toward the $1,000:

  • Disputed medical accounts
  • Disputed accounts with a zero balance
  • Accounts disputed because of documented identity theft or unauthorized use

Tip: do not dispute accounts while you are trying to buy a home without talking to your loan officer first. A dispute can cause a manual underwrite even when the account would not otherwise hurt your approval.

Court-Ordered Judgments

Judgments are handled more strictly than collections. A judgment must be paid off before or at closing, or you need a written payment agreement with the creditor plus proof of at least three months of on-time payments. You cannot prepay the three months, and the monthly payment is included in your DTI.

What Sends an FHA Loan to Manual Underwriting?

Even with an automated “Accept,” the lender must downgrade the loan to manual underwriting in situations such as:

  • Disputed derogatory accounts totaling $1,000 or more (see above)
  • Self-employed business income that has declined by more than 20% over the period the lender is analyzing
  • A recent history of late mortgage payments that FHA’s mortgage payment history rules flag
  • Mortgage debt that shows up after approval and was not considered by the automated system

Manual underwriting takes longer and requires more documentation, but it is not a denial. Many Kentucky borrowers are approved this way. See Kentucky FHA Manual Underwriting Guidelines.

Payment History Standards for Manual Underwriting

When a loan is manually underwritten, the underwriter looks for “satisfactory credit.” In general that means:

  • All housing and installment payments made on time for the last 12 months
  • No more than two 30-day late payments on mortgage or installment debt in the last 24 months
  • No major derogatory credit on revolving accounts (credit cards) in the last 12 months

If your history falls short, the underwriter can still approve the loan when the late payments were caused by documented extenuating circumstances, along with a letter of explanation.

Debt-to-Income Limits

With an automated “Accept,” FHA does not set a fixed DTI cap; approvals above 50% are possible when the rest of the file is strong. On a manual underwrite, the limits depend on your compensating factors (such as cash reserves, minimal payment increase, or significant additional income):

Manual underwritingHousing ratioTotal DTI
No compensating factors (or credit score 500–579)31%43%
One compensating factor37%47%
Two compensating factors40%50%

Documents to Expect on a Manual Underwrite

  • Income and employment: pay stubs covering the most recent 30 days, W-2s for the past two years, a two-year employment history, and a verbal verification of employment before closing
  • Housing history: a verification of rent or 12 months of canceled checks or bank statements if your credit report does not show your housing payments
  • Explanations: a signed letter of explanation for derogatory credit, collections, and late payments, with supporting documents
  • Cash reserves: at least one month of mortgage payments for a 1–2 unit home, or three months for a 3–4 unit home. Reserves must be your own money, not a gift.

Other FHA Rules Borrowers Ask About

  • Overtime, bonus, and tip income: since 2022, FHA uses the lesser of your average over the past two years or your average over the past year.
  • Seller and lender credits: interested-party contributions are capped at 6% of the sales price and cannot be used toward your minimum down payment. Since 2019, lenders and loan originators count as interested parties, though premium-pricing credits from the lender generally do not count against the 6% limit.
  • Private wells: FHA and local health rules may require a water test, especially when the appraiser notes a concern. See Kentucky FHA Appraisal Requirements.

Get Your Credit Reviewed Before You Apply

I have helped Kentucky families buy homes for more than 20 years, including many with collections, disputes, judgments, and late payments. Send me your situation and I’ll tell you what needs to be addressed before you apply.

Joel Lobb
Mortgage Broker – FHA, VA, USDA, KHC
EVO Mortgage
10602 Timberwood Circle, Suite 3, Louisville, KY 40223
Call/Text: (502) 905-3708
Email: kentuckyloan@gmail.com
NMLS #57916 | Company NMLS #1738461 | NMLS Consumer Access

Source: HUD Handbook 4000.1; FHA Mortgagee Letter 2022-09. This is not a commitment to lend. All loans are subject to credit approval, underwriting guidelines, and lender requirements, which may change. Equal Housing Lender. Licensed in Kentucky only. Not affiliated with HUD, FHA, or any government agency.

Joel Lobb Appraisals & Property Requirements, Bankruptcy, Foreclosure & Short Sales, Collections, Student Loans & Debts, Credit Scores & Bad Credit, FHA Guidelines & Requirements, HUD Homes & $100 Down, Income, Employment & DTI

Kentucky FHA Manual Underwriting Explained

KENTUCKY FHA MORTGAGE MANUAL UNDERWRITING GUIDELINES FOR VA RESIDUAL INCOME

Kentucky FHA Mortgage Manual Undewriting Guidelines for FHA Mortgage Refer Eligible or Manual Downgrades

Continue reading “Kentucky FHA Manual Underwriting Explained” →

Joel Lobb Appraisals & Property Requirements, Bankruptcy, Foreclosure & Short Sales, Credit Scores & Bad Credit, FHA Guidelines & Requirements, FHA Mortgage Insurance (MIP), HUD Homes & $100 Down, Income, Employment & DTI

 Buying a Kentucky Home with a FHA Mortgage

Update: The 2026 FHA loan limit is $541,287 for a single-family home in every Kentucky county.

Is an Kentucky FHA loan right for you?

Here are some benefits of Kentucky FHA loans 🤩
✅ Low down payment options
✅ Down payment assistance programs available
✅ Higher DTI ratios accepted

FHA requires you to establish that the income is in fact stable. I am covering Time on Job, Part Time Income, Seasonal Income and Job Gaps below.
 
Time on Job
There is not a minimum length of time a borrower must have held a position for the income to be eligible. However, the application must identify the most recent 2 years of employment.
If the borrower’s employment history indicates that they were in school or in the military, then the borrower must provide evidence supporting this such as college transcripts or discharge papers.
The current type of employment has to be supported by the college transcripts or discharge papers showing that he borrower’s training enabled them to gain employment in their field of training.
 
Part Time Income 

Part-time and second job income can be used to qualify if documentation is obtained to prove that the borrower has worked the part-time job uninterrupted for the past two years, and plans to continue.
For Qualifying purposed, “part-time” income refers to jobs taken to supplement the borrower’s main income from regular employment, such as a second job that is less than 40 hours per week.
Income: Is averaged over the previous 2 years. If there was a pay rate increase and we can document the increase in pay, you can average the new pay rate over 12 months.
 
Seasonal Income
Seasonal income may be acceptable for qualifying. It is not unusual to have out-of-season income from unemployment income. If the borrower has a 2 year history and continuance is probable, this type of income may be allowed to qualify the borrower.
The key here is history and continuance.
 
Job Gaps
The borrower must provide a signed explanation for gaps in employment as follows:
Income can be considered effective if the following can be verified:
1. Borrower has been employed in the current job for at least six months at the time of the case number assignment AND
2. A two year work history prior to the absence from employment.
 

What does FHA stand for?

FHA stands for Federal Housing Administration, and the FHA is a government agency that insures mortgages. It was created just after the Great Depression, at a time when homeownership was prohibitively expensive and difficult to achieve because so many Americans lacked the savings and credit history to qualify for a loan. The government stepped in and began backing mortgages with more accessible terms. Approved lenders began funding FHA loans, which offered more reasonable down payment and credit score standards.

Today, government-backed mortgages still offer a safety net to lenders—because a federal entity (in this case, the FHA) is guaranteeing the loans, there’s less financial risk if a borrower defaults on their payments. Lenders are then able to loosen their qualifying guidelines, making mortgages available to middle and low income borrowers who might not otherwise be approved under conventional standards.

What’s the difference between FHA and conventional loans?

Home loans fall into two broad categories: government and conventional. A conventional loan is any mortgage that is not insured by a federal entity. Because private lenders assume all the risk in funding conventional loans, the requirements to qualify for these loans are more strict. Generally speaking, FHA loans might be a good fit if you have less money set aside to fund your down payment and/or you have a below-average credit score. While low down payment minimums and competitive interest rates are still possible with a conventional loan, you’ll need to show a strong credit score to qualify for those advantages.

Each loan type has advantages and disadvantages—including different mortgage insurance requirements, loan limits, and property appraisal guidelines—so choosing the one that works best for you really depends on your financial profile and your homebuying priorities.

FHA loans pros and cons

FHA loans are meant to make homeownership more accessible to people with fewer savings set aside and lower credit scores. They can be a great fit for some borrowers, particularly first time homebuyers who often need lower down payment options, but you should weigh the costs and benefits of any mortgage before committing. Here’s a breakdown of the key pros and cons when it comes to FHA loans:

Pros Cons
Low down payment. Down payments make up the majority of cash to close in any purchase loan, and saving up for one can be a significant barrier for some borrowers. FHA loans make it possible to put down as little as 3.5% upfront and still get competitive rates. Mandatory MIP payments. FHA loans are more lenient, but they also come with insurance costs to mitigate risk to the lender. You’ll have to pay Mortgage Insurance Premiums (MIP) no matter what—either for 11 years or for the life of your loan, depending on your down payment.
Lower credit score. Credit scores can be a major hurdle when it comes to conventional loans, but borrowers with credit scores starting at 500 can qualify for FHA loans. Less competitive. Sometimes sellers can be more hesitant to accept FHA loans. In a competitive market, you might not win out against conventional loan bids.
Higher DTI accepted. Your debt-to-income (DTI) ratio gives lenders an understanding of other major financial obligations in your life. This ratio is a key factor in any loan application because it indicates your ability to afford a mortgage based on current household income and existing debt. Again, FHA loans offer more leniency here and borrowers at or below 43% DTI can qualify. Stricter property standards. To offset risk and further protect lenders, FHA loans have strict criteria when it comes to assessing the condition of any property being purchased with an FHA loan. The downside? The house you want to buy might not qualify for an FHA loan. The upside? You’re less likely to be financially burdened by a home that requires expensive repairs or updates.
No income limitations. It’s a common misconception that FHA loans are only available to first-time homebuyers or borrowers with limited income—but they’re not. There’s no maximum income limit that would disqualify you from this type of loan. Loan limits: FHA loan limits are typically lower than conventional loan limits, which means you might not be able to get funding for more expensive houses. This isn’t necessarily a bad thing, since it helps ensure that borrowers get loans they can afford to repay.

How to qualify for an FHA loan

Qualifying for an FHA loan is generally easier than qualifying for a conventional loan, but you’ll still need to meet some basic minimum standards set by the FHA. While the government insures these loans, the funding itself comes through FHA-approved lenders each lending institution may have slightly different qualifying guidelines for its borrowers. Keep in mind that, while these FHA standards offer a basic framework, you’ll need to confirm the individual qualifying rules with your specific lender.

  • Credit score minimum 500. Your exact credit score will play a big role in determining your down payment minimum; typically, the higher your credit score, the lower your down payment and the more favorable your interest rate.

  • Debt-to-income ratio at or below 56.9%. DTI is a standard way of comparing the amount of money you earn to the amount you spend paying off other debts, and FHA loans are more lax on this number.

  • Steady income and proof of employment. Being able to provide at least 2 years of income and employment records is a standard requirement for all loans.

  • Down payment between 3.5%-10%. The down payment minimum for an FHA loan is typically lower than conventional loan, and can be as little as 3.5% depending on your credit score and lender.

  • Property standards apply. You won’t qualify for an FHA loan if the house you want to buy doesn’t pass the appraisal process, which is more strict with this type of loan than conventional mortgages.

  • Maximum FHA loan amount. The amount of money you borrow cannot exceed the FHA loan limits; this number changes based on your county and is determined by how expensive the local market is; the maximum FHA loan limit in 2021 is $420,000 (check HUD resources to confirm the latest limits.)

 
 
Joel Lobb
Senior Loan Officer
(NMLS#57916)

EVO Mortgage
10602 Timberwood Circle, Suite 3
Louisville, KY 40223

text or call my phone: (502) 905-3708
email me at kentuckyloan@gmail.com

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). Mortgage loans only offered in Kentucky.
All loans and lines are subject to credit approval, verification, and collateral evaluation and are originated by lender. Products and interest rates are subject to change without notice.

Joel E Lobb
American Mortgage
5029053708
email us here
Kentucky FHA, VA, USDA & Rural Housing, KHC and Fannie Mae mortgage loans.
Joel Lobb Down Payment Assistance & KHC, FHA Guidelines & Requirements, HUD Homes & $100 Down, Kentucky First-Time Home Buyers

Kentucky HUD Homes for Sale with the FHA $100 Down Program

Buying A HUD Home in Kentucky $100 Down FHA loan

KENTUCKY HUD HOMES SALES INCENTIVES

For a limited time, FHA offers sales incentives on HUD homes that will make these homes more affordable for home buyers when purchasing a property using FHA-insured financing. The incentives VARY from State to State but may include low down payments; sales allowances that can be used to pay closing costs, make repairs, or pay down the mortgage amount; broker bonuses for owner-occupant sales. The benefits of FHA financing are low down payments; competitive interest rates; flexible credit qualifying. To find a HUD-Approved Lender, and for the latest sales incentives in your areas, visit HUDhomestore.com The program incentives are subject to change without prior notice.

Sales Incentives

(subject to change without prior notice)

Participating States

$100 Down Payment! Available to Owner Occupant Homebuyers when purchasing a property using FHA-insured financing.

Kentucky HUD Homes for Sale By FHA

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Joel Lobb
Mortgage Loan Officer
Individual NMLS ID #57916

Text/call:      502-905-3708

email:          kentuckyloan@gmail.com

https://www.mylouisvillekentuckymortgage.com/

Disclaimer: No statement on this site is a commitment to make a loan. Loans are subject to borrower qualifications, including income, property evaluation, sufficient equity in the home to meet Loan-to-Value requirements, and final credit approval. Approvals are subject to underwriting guidelines, interest rates, and program guidelines and are subject to change without notice based on applicant’s eligibility and market conditions. Refinancing an existing loan may result in total finance charges being higher over the life of a loan. Reduction in payments may reflect a longer loan term. Terms of any loan may be subject to payment of points and fees by the applicant Equal Opportunity Lender. NMLS#57916http://www.nmlsconsumeraccess.org/

Some products and services may not be available in all states. Credit and collateral are subject to approval. Terms and conditions apply. This is not a commitment to lend. Programs, rates, terms and conditions are subject to change without notice. The content in this marketing advertisement has not been approved, reviewed, sponsored or endorsed by any department or government agency. Rates are subject to change and are subject to borrower(s) qualification.