Tag: va home loan

Kentucky VA Farm Loan Guidelines

Kentucky VA Farm Loan Guidelines


Farm Loans: Kentucky VA Home Loans Overview

Kentucky VA Farm Loan Guidelines: Can You Buy a Farm With a VA Loan?

Can you use a VA loan to buy a farm or acreage property in Kentucky? In many cases, yes — but the property must be primarily residential, there must be a home on the land, and the Veteran must occupy that home as a primary residence.

The big mistake many buyers make is assuming that “VA farm loan” means the VA will finance a working farm business. That is not how the VA home loan program works. VA loans are designed for residential home financing, not commercial farming operations. A Kentucky property with a home, acreage, barns, sheds, fencing, pastures, or stables may still be eligible if the property is residential-first and the appraisal supports it.

Quick answer:

A VA loan may be used to buy a Kentucky farm property when there is a residential dwelling on the land, the Veteran will live in the home as their primary residence, and the loan is not being used to buy a commercial farming business.

Can You Buy a Farm in Kentucky With a VA Loan?

Yes, a Kentucky buyer may be able to use a VA loan to purchase a farm-type property when the transaction is primarily for a residence. The home must be the main purpose of the purchase, and the Veteran must intend to occupy the property as their primary residence.

That means a home on acreage in counties such as Shelby, Spencer, Oldham, Hardin, Nelson, Bullitt, Warren, Madison, Jessamine, or surrounding rural Kentucky areas may be workable if the property is residential in nature and comparable sales support the value.

However, a property that is mainly a commercial farming operation may be a problem. If the value is tied heavily to farm production, livestock, crops, equipment, commercial buildings, or business assets, the deal may not fit VA residential mortgage guidelines.

Kentucky VA Farm Loan Eligibility Rules

For a Kentucky farm or acreage property to work with VA financing, these are the key eligibility points:

  • There must be a residential dwelling on the land.
  • The Veteran must occupy the home as their primary residence.
  • The loan must be for residential purposes.
  • The loan cannot be used to purchase a farming business.
  • The appraisal must support the property as residential real estate.
  • Comparable sales should show similar residential acreage properties in the market.

Does VA Have an Acreage Limit in Kentucky?

No. VA does not set a maximum number of acres for a VA-guaranteed property. This is one of the biggest misconceptions about VA farm and acreage loans.

The real issue is not the number of acres. The real issue is whether the property is primarily residential and whether the appraiser can find comparable sales that support the value.

For example, a house on 10, 20, or even more acres may be acceptable if similar residential acreage properties have sold in the area. But if the only comparable sales are commercial farms or agricultural production properties, the file can become more difficult.

How VA Looks at Barns, Sheds, Stables, Pastures, and Outbuildings

VA may allow value for rural improvements such as barns, sheds, corrals, stables, fencing, and pastures when those improvements contribute to the residential market value of the property.

The key phrase is residential market value. The appraiser is not valuing the property as a farm business. The appraiser is valuing it as residential real estate.

Items VA Does Not Include in Value

For VA loan purposes, the property value cannot include:

  • Livestock
  • Crops
  • Farm equipment
  • Farm supplies
  • Business inventory
  • Commercial farming assets

This matters because some Kentucky farm listings include more than just the house and land. If the sales price includes cattle, hay, tractors, equipment, feed, or other business assets, those items need to be separated from the residential real estate transaction.

Why Comparable Sales Matter on Kentucky Acreage Properties

On a VA farm or acreage property, comparable sales can make or break the deal.

If the appraiser can find recent sales of homes on similar acreage that were sold primarily for residential use, the appraisal is usually more straightforward. If the appraiser has to rely on commercial farm sales, agricultural-use sales, or unique properties with limited market support, the underwriting risk increases.

Before writing an offer on a Kentucky acreage property, it is smart to review:

  • How many acres are included
  • Whether the home is the main value driver
  • Whether barns or outbuildings appear residential or commercial
  • Whether the listing includes livestock, crops, equipment, or business assets
  • Whether similar homes on acreage have sold nearby
  • Whether the property is being marketed as a residence or a working farm business

Can Farm Income Be Used to Qualify for a VA Loan?

Potentially, yes. If some or all of the income needed to qualify comes from farming operations, the lender must verify that the Veteran has the ability and experience to operate the farm.

In real-world underwriting, this usually means the income will be reviewed similarly to self-employment income. The lender will look for documented history, consistency, tax returns, profit and loss information, and whether the income is likely to continue.

Speculative income usually will not work. A buyer saying, “I plan to make money from farming after I buy the property,” is not the same as having stable, documentable farm income already reported and supported.

Farm Income Documentation May Include

  • Two years of federal tax returns
  • Schedule F or applicable business schedules
  • Year-to-date profit and loss statement
  • Evidence of farming experience
  • Business debt documentation
  • Explanation of farm operations
  • Documentation that income is stable and likely to continue

Common Kentucky VA Farm Loan Red Flags

Not every rural property will qualify. These are common issues that can create problems:

  • The property is primarily a working commercial farm.
  • The sales price includes livestock, crops, equipment, or supplies.
  • The property has no strong residential comparable sales.
  • The barns or outbuildings are clearly commercial-use facilities.
  • The value depends heavily on agricultural income production.
  • The buyer does not intend to occupy the home as a primary residence.
  • The property is being marketed mainly as a business opportunity.

VA vs. FHA vs. USDA for Kentucky Acreage Properties

The right loan program depends on the buyer, the property, the location, and the appraisal support. VA, FHA, and USDA can all work for rural Kentucky properties, but the rules are not identical.

Loan Program Acreage Rule Main Underwriting Focus Common Deal Killer
VA No VA-set acreage cap. Primary residence, residential use, residential comparable sales, and no value assigned to livestock, crops, or equipment. The property is primarily a commercial farming operation.
FHA No simple universal acreage cap, but land must be marketable and supported by the appraisal. Residential use, property condition, marketability, excess land issues, and appraisal support. Commercial or agricultural use dominates the residential use.
USDA Guaranteed Site size must be typical for the area. Eligible rural location, primary residence, typical site size, and no income-producing land or buildings used principally for income-producing purposes. Property used primarily for agriculture, farming, or commercial enterprise.

Kentucky VA Farm Property Pre-Check

If you are looking at a farm, mini-farm, hobby farm, horse property, or home on acreage in Kentucky, the best move is to review the listing before you write an offer.

Send the address or MLS link and I can help look at the practical risk points:

  • Does the property appear residential-first?
  • Is the acreage likely to be acceptable?
  • Are there outbuildings that could create appraisal questions?
  • Does the listing include livestock, crops, equipment, or business assets?
  • Are there comparable residential acreage sales nearby?
  • Does VA, FHA, USDA, or conventional financing make the most sense?

Kentucky VA Farm Property Checklist

Before writing an offer, make sure the property passes these common-sense tests:

  • There is a livable residential home on the land.
  • The Veteran will occupy the property as a primary residence.
  • The purchase is not mainly for a commercial farming business.
  • The value is not based on livestock, crops, equipment, or business assets.
  • Comparable sales support residential acreage value.
  • The contract includes proper VA financing protections.

Steps to Use a VA Loan for a Kentucky Farm or Acreage Property

  1. Get your VA Certificate of Eligibility, also called the COE.
  2. Complete a VA mortgage pre-approval.
  3. Send the property address or MLS listing for an early feasibility review.
  4. Review income, credit, assets, debts, and entitlement.
  5. Make sure the sales contract is structured correctly for VA financing.
  6. Order the VA appraisal after the contract is accepted.
  7. Clear underwriting conditions and close on the home.

FAQ: Kentucky VA Farm Loan Guidelines

Can I use a VA loan to buy a farm in Kentucky?

Yes, in many cases. The property must include a residence, the Veteran must occupy the home as a primary residence, and the loan must be for residential purposes rather than a farming business.

Does VA have a maximum acreage limit?

No. VA does not set a maximum number of acres. The bigger question is whether the acreage is typical for the market and supported by residential comparable sales.

Can barns, sheds, stables, or pastures be included?

Yes, they may be considered if they contribute to residential market value. The VA appraisal cannot include value for livestock, crops, farm equipment, or supplies.

Can I use farm income to qualify for a VA loan?

Possibly. If farm income is needed to qualify, the lender must document the income and verify the Veteran’s ability and experience as a farm operator.

What makes a Kentucky farm property ineligible for VA financing?

A property may be ineligible if it is primarily a commercial farming operation, if the value depends on business assets, or if the property does not support residential use and residential market value.

Should I send the listing before making an offer?

Yes. With acreage properties, it is smart to review the property early. The appraisal, comparable sales, outbuildings, and business-use issues should be considered before you are locked into a contract.

Talk to a Kentucky VA Mortgage Lender

If you are a Veteran, active-duty service member, eligible surviving spouse, National Guard member, or Reserve member looking at a farm, mini-farm, hobby farm, horse property, or home on acreage in Kentucky, I can help you review the loan options before you write an offer.

Call or text Joel Lobb at 502-905-3708 to review your Kentucky VA loan options.

Joel Lobb, Mortgage Broker FHA, VA, KHC, USDA
NMLS #57916
EVO Mortgage | Company NMLS #1738461
Call/Text: 502-905-3708
Email: kentuckyloan@gmail.com
Website: http://www.mylouisvillekentuckymortgage.com

Equal Housing Lender. This is not a commitment to lend. All loans are subject to credit approval, VA eligibility, property approval, appraisal, underwriting, and program guidelines. Not affiliated with, endorsed by, or acting on behalf of the Department of Veterans Affairs, USDA, FHA, HUD, or any government agency.

Official VA and USDA Resources

FAQ: Kentucky VA Farm Loan Guidelines

Can I use a VA loan to buy a farm in Kentucky?

Yes, in many cases. The property must include a residence, the Veteran must occupy the home as a primary residence, and the loan must be for residential purposes rather than a farming business.

Does VA have a maximum acreage limit?

No. VA does not set a maximum number of acres. The bigger question is whether the acreage is typical for the market and supported by residential comparable sales.

Can barns, sheds, stables, or pastures be included?

Yes, they may be considered if they contribute to residential market value. The VA appraisal cannot include value for livestock, crops, farm equipment, or supplies.

Can I use farm income to qualify for a VA loan?

Possibly. If farm income is needed to qualify, the lender must document the income and verify the Veteran’s ability and experience as a farm operator.

What makes a Kentucky farm property ineligible for VA financing?

A property may be ineligible if it is primarily a commercial farming operation, if the value depends on business assets, or if the property does not support residential use and residential market value.

VA Approved Condos in Louisville KY: A Complete Guide

Louisville Kentucky VA Approved Condos for Jefferson County KY


Louisville Kentucky VA approved condos for Jefferson County VA mortgage loans
Louisville and Jefferson County KY VA-approved condo guide for Kentucky veterans and real estate agents.

Louisville Kentucky VA Approved Condos for Jefferson County KY

If you are a Kentucky veteran, active-duty service member, or eligible surviving spouse looking at a condominium in Louisville, the first thing to confirm is simple: is the condo project acceptable for VA mortgage financing?

A VA loan can be one of the strongest mortgage programs available because it may allow qualified buyers to purchase with no down payment, no monthly private mortgage insurance, and competitive loan terms. However, condos add one extra layer of due diligence. The condominium project itself must be acceptable for VA financing before the loan can move forward smoothly.

Quick answer: Louisville veterans can use a VA loan to buy a condo in Jefferson County KY, but the condo project should be checked against VA approval records before contract, appraisal, and underwriting deadlines become an issue.

Why VA Condo Approval Matters in Kentucky

Buying a single-family home with a VA loan is usually more straightforward from a property-approval standpoint. Condos are different because the financial health, insurance coverage, ownership structure, legal documents, and management of the condominium project can affect VA eligibility.

That is why Kentucky homebuyers and real estate agents should verify the condo project early. Waiting until after the offer is accepted can create avoidable delays, especially if the condo is not already listed as approved.

VA Loan Benefits for Louisville Condo Buyers

  • No down payment may be required when the purchase price does not exceed the appraised value and the borrower qualifies.
  • No monthly private mortgage insurance is required on VA loans.
  • Seller-paid closing costs and concessions may help reduce cash needed to close.
  • VA loans may be more forgiving than conventional financing for qualified veterans, depending on credit, income, residual income, and overall risk profile.
  • VA eligibility can be used more than once, subject to entitlement and VA guidelines.

Start here for more Kentucky VA loan guidance: Kentucky VA mortgage loans. If credit score questions are part of the file, review this guide: mortgage credit scores for Kentucky homebuyers.

Official VA Condo Search Resource

Before writing an offer on a condo, verify the project using the VA condo report or have your lender check it for you. The official VA condo report can be accessed here: VA Condo Report Search.

You can also review broader VA home loan resources at VA.gov purchase loan information and VA Construction and Valuation resources.

Jefferson County KY VA Approved Condo List

The list below is based on the Jefferson County KY VA-approved condo results provided for Louisville-area VA mortgage loan research. Condo approval status should always be re-verified before contract, appraisal, or final loan approval because records can change.

Condo Name VA Condo ID Record Type
ANDERSON PARK CONDOMINIUM000004Condo
ARBOR CREEK CONDOMINIUMSH00212Condo
ARBOR CREEK CONDOS IIH00306Condo
AUTUMN TRACE CONDOMINIUMH00282Condo
BAXTER PLACE CONDOMINIUMSH00309Condo
BRADFORD COMMONS CONDOH00319Condo
BRADFORD COMMONS CONDOS000001Condo
BRITTANY POINTE CONDOMINI005775Condo
BROWNSBORO VILLAGE COURTH00398Condo
CARRINGTON GREENE COURTYARD000012Condo
CHAMBERLAIN SQUARE CONDOH00614Condo
COPPERSHIRE CONDOMINIUM005613Condo
COTTONWOOD CONDOMINIUMH00053Condo
CREEKWOOD TERRACEH00095Condo
CRESCENT CONDOSVAC028Condo
CROSSINGS @ COOPER CHAPELH00155Condo
DARNELL MANOR CONDOMINIUMH00368Condo
DONARD PARK CONDOMINIUMS000003Condo
DORSEY HILLS CONDOMINIUMH00199Condo
DORSEY VILLAGE005601Condo
EAST HAMPTONH00693Condo
EVERETT PLACE CONDOMINIUM005724Condo
EVERGREEN POINT CONDOH00637Condo
FOREST PARK CONDOSH00096Condo
FOX HOLLOW CONDOMINIUMH00634Condo
GARDENS AT BAY RUN CONDOH00639Condo
GLENVIEW EAST005674Condo
GRAYSTONE MANORH00070Condo
HARRODS LANDING CONDOMINIH00464Condo
HAWTHORNE POINTE CONDOSH00134Condo
HIGHWOODH00211Condo
HIKES PARK TOWNHOMESH00066Condo
HITE AVENUE GARDENS005801Condo
INDIAN RIDGE CONDOMINIUMSH00358Condo
LAKEVIEWVAC010Condo
MAGNOLIA PLACE005597Condo
MANNER POINTE000013Condo
MERCANTILE GALLERY LOFTS000015Condo
MOSS CREEK CONDOMINIUMH00294Condo
PARK CENTRALVAC101Condo
PARK LANE CONDOMINIUMH00179Condo
PINNACLE GARDENSH00111Condo
REGENCY THREE CONDOMINIUM005892Condo
RIVER POINTE PATIO HOMES CONDO000017Condo
SALEM SQUARE CONDOMINIUMH00067Condo
SHELBY CROSSING CONDOMINIH00344Condo
SHELBY CROSSING CONDOMINIUMS000006Condo
SOUTH HALL CONDOMINIUMS005723Condo
SPRING DRIVE CONDO005656Condo
SPRINGS OF GLENMARYH00217Condo
SPRINGS OF GLENMARY VLLGE005612Condo
ST ANTHONY'S LANDINGH00194Condo
STONEHENGE CONDO005602Condo
SWAN POINTE CONDOMINIUMSH00586Condo
THE CLIFF VIEW TERRACE COH00587Condo
THE COTTAGES @ MEADOWVIEWH00182Condo
THE FOUNTAINS CONDOMINIUMH00171Condo
THE GARDENS OF GLENMARYH00272Condo
THE GARDENS OF MONTICELLOH00609Condo
THE PARKVIEW CONDOMINIUMSH00258Condo
THE VILLAGE @ WILDWOODH00088Condo
THE VILLAGE @INDIAN FALLSH00143Condo
THE VILLAGE OF WHITE OAKSH00531Condo
THE VILLAS OF STONY FARMH00288Condo
THE WOODS OF CRESCENT HILH00031Condo
THE WOODS OF CRESCENT HILH00030Condo
TIMBERWOOD II000005Condo
TREIS CONDOMINIUMSH00058Condo
VALHALLA VISTA CONDOMINIUMS000024Condo
VALLEY FARMS PATIO HOMES000021Condo
VILLAGE AT PRESTON CROSSIH00504Condo
VILLAGE AT WILDWOODH00125Condo
WEMBERLY HILL GARDEN HOMEVAC143Condo
WESTPORT GARDENS000008Condo
WESTPORT RIDGE CONDOH00629Condo
WINDSOR GATE CONDOMINIUMH00262Condo
WISTERIA LANDING CONDOH00535Condo
WOODMONTH00156Condo
WOODRIDGE LAKE PATIO HMSH00092Condo
WOODRIDGE LAKE TOWNHOMESH00093Condo
WOODS OF ST. ANDREWSH00139Condo
WOODSPOINTEVAC074Condo
WORTHINGTON GLEN CONDOSH00162Condo
WYNDEMEREH00213Condo
WYSTERIA LANDING CONDOMINH00351Condo
YORKWOOD CONDO IVAC013Condo
YORKWOOD CONDO IIVAC016Condo

How to Use This VA Condo List

  1. Find the condo project name in the list.
  2. Confirm the condo ID and project status in the VA condo report.
  3. Ask the listing agent or HOA for current condo documentation if needed.
  4. Have the lender verify borrower eligibility, residual income, credit, assets, and occupancy.
  5. Do not order the VA appraisal until the condo eligibility path is clear.

What If the Louisville Condo Is Not on the VA Approved List?

If a condo project is not showing as VA approved, it does not automatically mean the buyer is dead in the water. It does mean the deal needs to be reviewed carefully before you assume VA financing will work. The lender may need to determine whether the project can be submitted for VA review and whether the timeline still works for the buyer, seller, agents, and closing date.

The practical reality is simple: if the condo is already VA approved, the transaction is usually cleaner. If the condo is not already approved, the file may need more documentation, more time, and more cooperation from the HOA or management company.

Important Questions Before a Veteran Writes an Offer on a Condo

  • Is the condo project currently VA approved?
  • Does the condo name match exactly in the VA condo report?
  • Is the project in Jefferson County, Louisville, or another Kentucky county?
  • Are there pending lawsuits, insurance issues, budget problems, or high delinquency rates?
  • Will the HOA or management company provide documents quickly?
  • Does the buyer qualify for the VA loan based on income, credit, residual income, and debts?
  • Is the unit intended as the buyer’s primary residence?

Topical Kentucky VA Loan Resources

For more Kentucky mortgage guidance, review these related resources:

Need Help Buying a VA-Approved Condo in Louisville KY?

If you are a Kentucky veteran looking at a condo in Louisville or Jefferson County, get the condo checked before you waste time, money, or appraisal fees. I can review the condo project, your VA eligibility, credit, income, and cash-to-close numbers before you write the offer.

Call/Text: 502-905-3708
Email: kentuckyloan@gmail.com
Website: www.mylouisvillekentuckymortgage.com

Frequently Asked Questions About VA Approved Condos in Louisville KY

Can I buy a condo in Louisville with a VA loan?

Yes. Eligible veterans, service members, and qualifying surviving spouses may use a VA mortgage loan to buy a condo when the borrower qualifies and the condo project is acceptable for VA financing.

Does a Louisville condo have to be VA approved?

The condo project should be checked through VA resources before relying on VA financing. If the project already appears as approved, that can help reduce the risk of loan delays.

Are FHA-approved condos automatically VA approved?

No. FHA condo approval and VA condo approval are not the same. Always verify the project through VA resources before assuming it works for a VA loan.

What are the biggest VA loan benefits for Kentucky condo buyers?

Major VA loan benefits may include no down payment, no monthly private mortgage insurance, competitive loan terms, and limited closing costs. Borrowers must still meet VA and lender requirements.

Who should verify the VA condo status?

The lender should verify the VA condo status early. Real estate agents should also confirm the project name and HOA contact information as soon as the buyer shows interest in a condo.

Joel Lobb, Mortgage Broker – FHA, VA, USDA, KHC, Fannie Mae. EVO Mortgage. Helping Kentucky Homebuyers Since 2001. NMLS #57916 | Company NMLS #1738461.

Equal Housing Lender. This is not a commitment to lend. All loans are subject to credit approval, VA eligibility, property approval, underwriting, and program requirements. This site is not endorsed by or affiliated with FHA, VA, USDA, KHC, or any government agency.

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“addressLocality”: “Louisville”, “addressRegion”: “KY”, “addressCountry”: “US” } } }, { “@type”: “ListItem”, “position”: 9, “item”: { “@type”: “Residence”, “name”: “BROWNSBORO VILLAGE COURT”, “identifier”: “H00398”, “address”: { “@type”: “PostalAddress”, “addressLocality”: “Louisville”, “addressRegion”: “KY”, “addressCountry”: “US” } } }, { “@type”: “ListItem”, “position”: 10, “item”: { “@type”: “Residence”, “name”: “CARRINGTON GREENE COURTYARD”, “identifier”: “000012”, “address”: { “@type”: “PostalAddress”, “addressLocality”: “Louisville”, “addressRegion”: “KY”, “addressCountry”: “US” } } }, { “@type”: “ListItem”, “position”: 11, “item”: { “@type”: “Residence”, “name”: “CHAMBERLAIN SQUARE CONDO”, “identifier”: “H00614”, “address”: { “@type”: “PostalAddress”, “addressLocality”: “Louisville”, “addressRegion”: “KY”, “addressCountry”: “US” } } }, { “@type”: “ListItem”, “position”: 12, “item”: { “@type”: “Residence”, “name”: “COPPERSHIRE CONDOMINIUM”, “identifier”: “005613”, “address”: { “@type”: “PostalAddress”, “addressLocality”: “Louisville”, “addressRegion”: “KY”, “addressCountry”: “US” } } }, { “@type”: “ListItem”, “position”: 13, “item”: { “@type”: “Residence”, “name”: “COTTONWOOD CONDOMINIUM”, “identifier”: “H00053”, “address”: { “@type”: “PostalAddress”, “addressLocality”: “Louisville”, “addressRegion”: “KY”, “addressCountry”: “US” } } }, { “@type”: “ListItem”, “position”: 14, “item”: { “@type”: “Residence”, “name”: “CREEKWOOD TERRACE”, “identifier”: “H00095”, “address”: { “@type”: “PostalAddress”, “addressLocality”: “Louisville”, “addressRegion”: “KY”, “addressCountry”: “US” } } }, { “@type”: “ListItem”, “position”: 15, “item”: { “@type”: “Residence”, “name”: “CRESCENT CONDOS”, “identifier”: “VAC028”, “address”: { “@type”: “PostalAddress”, “addressLocality”: “Louisville”, “addressRegion”: “KY”, “addressCountry”: “US” } } }, { “@type”: “ListItem”, “position”: 16, “item”: { “@type”: “Residence”, “name”: “CROSSINGS @ COOPER CHAPEL”, “identifier”: “H00155”, “address”: { “@type”: “PostalAddress”, “addressLocality”: “Louisville”, “addressRegion”: “KY”, “addressCountry”: “US” } } }, { “@type”: “ListItem”, “position”: 17, “item”: { “@type”: “Residence”, “name”: “DARNELL MANOR CONDOMINIUM”, “identifier”: “H00368”, “address”: { “@type”: “PostalAddress”, “addressLocality”: “Louisville”, “addressRegion”: “KY”, “addressCountry”: “US” } } }, { “@type”: “ListItem”, “position”: 18, “item”: { “@type”: “Residence”, “name”: “DONARD PARK CONDOMINIUMS”, “identifier”: “000003”, “address”: { “@type”: “PostalAddress”, “addressLocality”: “Louisville”, “addressRegion”: “KY”, “addressCountry”: “US” } } }, { “@type”: “ListItem”, “position”: 19, “item”: { “@type”: “Residence”, “name”: “DORSEY HILLS CONDOMINIUM”, “identifier”: “H00199”, “address”: { “@type”: “PostalAddress”, “addressLocality”: “Louisville”, “addressRegion”: “KY”, “addressCountry”: “US” } } }, { “@type”: “ListItem”, “position”: 20, “item”: { “@type”: “Residence”, “name”: “DORSEY VILLAGE”, “identifier”: “005601”, “address”: { “@type”: “PostalAddress”, “addressLocality”: “Louisville”, “addressRegion”: “KY”, “addressCountry”: “US” } } }, { “@type”: “ListItem”, “position”: 21, “item”: { “@type”: “Residence”, “name”: “EAST HAMPTON”, “identifier”: “H00693”, “address”: { “@type”: “PostalAddress”, “addressLocality”: “Louisville”, “addressRegion”: “KY”, “addressCountry”: “US” } } }, { “@type”: “ListItem”, “position”: 22, “item”: { “@type”: “Residence”, “name”: “EVERETT PLACE CONDOMINIUM”, “identifier”: “005724”, “address”: { “@type”: “PostalAddress”, “addressLocality”: “Louisville”, “addressRegion”: “KY”, “addressCountry”: “US” } } }, { “@type”: “ListItem”, “position”: 23, “item”: { “@type”: “Residence”, “name”: “EVERGREEN POINT CONDO”, “identifier”: “H00637”, “address”: { “@type”: “PostalAddress”, “addressLocality”: “Louisville”, “addressRegion”: “KY”, “addressCountry”: “US” } } }, { “@type”: “ListItem”, “position”: 24, “item”: { “@type”: “Residence”, “name”: “FOREST PARK CONDOS”, “identifier”: “H00096”, “address”: { “@type”: “PostalAddress”, “addressLocality”: “Louisville”, “addressRegion”: “KY”, “addressCountry”: “US” } } }, { “@type”: “ListItem”, “position”: 25, “item”: { “@type”: “Residence”, “name”: “FOX HOLLOW CONDOMINIUM”, “identifier”: “H00634”, “address”: { “@type”: “PostalAddress”, “addressLocality”: “Louisville”, “addressRegion”: “KY”, “addressCountry”: “US” } } }, { “@type”: “ListItem”, “position”: 26, “item”: { “@type”: “Residence”, “name”: “GARDENS AT BAY RUN CONDO”, “identifier”: “H00639”, “address”: { “@type”: “PostalAddress”, “addressLocality”: “Louisville”, “addressRegion”: “KY”, “addressCountry”: “US” } } }, { “@type”: “ListItem”, “position”: 27, “item”: { “@type”: “Residence”, “name”: “GLENVIEW EAST”, “identifier”: “005674”, “address”: { “@type”: “PostalAddress”, “addressLocality”: “Louisville”, “addressRegion”: “KY”, “addressCountry”: “US” } } }, { “@type”: “ListItem”, “position”: 28, “item”: { “@type”: “Residence”, “name”: “GRAYSTONE MANOR”, “identifier”: “H00070”, “address”: { “@type”: “PostalAddress”, “addressLocality”: “Louisville”, “addressRegion”: “KY”, “addressCountry”: “US” } } }, { “@type”: “ListItem”, “position”: 29, “item”: { “@type”: “Residence”, “name”: “HARRODS LANDING CONDOMINI”, “identifier”: “H00464”, “address”: { “@type”: “PostalAddress”, “addressLocality”: “Louisville”, “addressRegion”: “KY”, “addressCountry”: “US” } } }, { “@type”: “ListItem”, “position”: 30, “item”: { “@type”: “Residence”, “name”: “HAWTHORNE POINTE CONDOS”, “identifier”: “H00134”, “address”: { “@type”: “PostalAddress”, “addressLocality”: “Louisville”, “addressRegion”: “KY”, “addressCountry”: “US” } } }, { “@type”: “ListItem”, “position”: 31, “item”: { “@type”: “Residence”, “name”: “HIGHWOOD”, “identifier”: “H00211”, “address”: { “@type”: “PostalAddress”, “addressLocality”: “Louisville”, “addressRegion”: “KY”, “addressCountry”: “US” } } }, { “@type”: “ListItem”, “position”: 32, “item”: { “@type”: “Residence”, “name”: “HIKES PARK TOWNHOMES”, “identifier”: “H00066”, “address”: { “@type”: “PostalAddress”, “addressLocality”: “Louisville”, “addressRegion”: “KY”, “addressCountry”: “US” } } }, { “@type”: “ListItem”, “position”: 33, “item”: { “@type”: “Residence”, “name”: “HITE AVENUE GARDENS”, “identifier”: “005801”, “address”: { “@type”: “PostalAddress”, “addressLocality”: “Louisville”, “addressRegion”: “KY”, “addressCountry”: “US” } } }, { “@type”: “ListItem”, “position”: 34, “item”: { “@type”: “Residence”, “name”: “INDIAN RIDGE CONDOMINIUMS”, “identifier”: “H00358”, “address”: { “@type”: “PostalAddress”, “addressLocality”: “Louisville”, “addressRegion”: “KY”, “addressCountry”: “US” } } }, { “@type”: “ListItem”, “position”: 35, “item”: { “@type”: “Residence”, “name”: “LAKEVIEW”, “identifier”: “VAC010”, “address”: { “@type”: “PostalAddress”, “addressLocality”: “Louisville”, “addressRegion”: “KY”, “addressCountry”: “US” } } }, { “@type”: “ListItem”, “position”: 36, “item”: { “@type”: “Residence”, “name”: “MAGNOLIA PLACE”, “identifier”: “005597”, “address”: { “@type”: “PostalAddress”, “addressLocality”: “Louisville”, “addressRegion”: “KY”, “addressCountry”: “US” } } }, { “@type”: “ListItem”, “position”: 37, “item”: { “@type”: “Residence”, “name”: “MANNER POINTE”, “identifier”: “000013”, “address”: { “@type”: “PostalAddress”, “addressLocality”: “Louisville”, “addressRegion”: “KY”, “addressCountry”: “US” } } }, { “@type”: “ListItem”, “position”: 38, “item”: { “@type”: “Residence”, “name”: “MERCANTILE GALLERY LOFTS”, “identifier”: “000015”, “address”: { “@type”: “PostalAddress”, “addressLocality”: “Louisville”, “addressRegion”: “KY”, “addressCountry”: “US” } } }, { “@type”: “ListItem”, “position”: 39, “item”: { “@type”: “Residence”, “name”: “MOSS CREEK CONDOMINIUM”, “identifier”: “H00294”, “address”: { “@type”: “PostalAddress”, “addressLocality”: “Louisville”, “addressRegion”: “KY”, “addressCountry”: “US” } } }, { “@type”: “ListItem”, “position”: 40, “item”: { “@type”: “Residence”, “name”: “PARK CENTRAL”, “identifier”: “VAC101”, “address”: { “@type”: “PostalAddress”, “addressLocality”: “Louisville”, “addressRegion”: “KY”, “addressCountry”: “US” } } }, { “@type”: “ListItem”, “position”: 41, “item”: { “@type”: “Residence”, “name”: “PARK LANE CONDOMINIUM”, “identifier”: “H00179”, “address”: { “@type”: “PostalAddress”, “addressLocality”: “Louisville”, “addressRegion”: “KY”, “addressCountry”: “US” } } }, { “@type”: “ListItem”, “position”: 42, “item”: { “@type”: “Residence”, “name”: “PINNACLE GARDENS”, “identifier”: “H00111”, “address”: { “@type”: “PostalAddress”, “addressLocality”: “Louisville”, “addressRegion”: “KY”, “addressCountry”: “US” } } }, { “@type”: “ListItem”, “position”: 43, “item”: { “@type”: “Residence”, “name”: “REGENCY THREE CONDOMINIUM”, “identifier”: “005892”, “address”: { “@type”: “PostalAddress”, “addressLocality”: “Louisville”, “addressRegion”: “KY”, “addressCountry”: “US” } } }, { “@type”: “ListItem”, “position”: 44, “item”: { “@type”: “Residence”, “name”: “RIVER POINTE PATIO HOMES CONDO”, “identifier”: “000017”, “address”: { “@type”: “PostalAddress”, “addressLocality”: “Louisville”, “addressRegion”: “KY”, “addressCountry”: “US” } } }, { “@type”: “ListItem”, “position”: 45, “item”: { “@type”: “Residence”, “name”: “SALEM SQUARE CONDOMINIUM”, “identifier”: “H00067”, “address”: { “@type”: “PostalAddress”, “addressLocality”: “Louisville”, “addressRegion”: “KY”, “addressCountry”: “US” } } }, { “@type”: “ListItem”, “position”: 46, “item”: { “@type”: “Residence”, “name”: “SHELBY CROSSING CONDOMINI”, “identifier”: “H00344”, “address”: { “@type”: “PostalAddress”, “addressLocality”: “Louisville”, “addressRegion”: “KY”, “addressCountry”: “US” } } }, { “@type”: “ListItem”, “position”: 47, “item”: { “@type”: “Residence”, “name”: “SHELBY CROSSING CONDOMINIUMS”, “identifier”: “000006”, “address”: { “@type”: “PostalAddress”, “addressLocality”: “Louisville”, “addressRegion”: “KY”, “addressCountry”: “US” } } }, { “@type”: “ListItem”, “position”: 48, “item”: { “@type”: “Residence”, “name”: “SOUTH HALL CONDOMINIUMS”, “identifier”: “005723”, “address”: { “@type”: “PostalAddress”, “addressLocality”: “Louisville”, “addressRegion”: “KY”, “addressCountry”: “US” } } }, { “@type”: “ListItem”, “position”: 49, “item”: { “@type”: “Residence”, “name”: “SPRING DRIVE CONDO”, “identifier”: “005656”, “address”: { “@type”: “PostalAddress”, “addressLocality”: “Louisville”, “addressRegion”: “KY”, “addressCountry”: “US” } } }, { “@type”: “ListItem”, “position”: 50, “item”: { “@type”: “Residence”, “name”: “SPRINGS OF GLENMARY”, “identifier”: “H00217”, “address”: { “@type”: “PostalAddress”, “addressLocality”: “Louisville”, “addressRegion”: “KY”, “addressCountry”: “US” } } }, { “@type”: “ListItem”, “position”: 51, “item”: { “@type”: “Residence”, “name”: “SPRINGS OF GLENMARY VLLGE”, “identifier”: “005612”, “address”: { “@type”: “PostalAddress”, “addressLocality”: “Louisville”, “addressRegion”: “KY”, “addressCountry”: “US” } } }, { “@type”: “ListItem”, “position”: 52, “item”: { “@type”: “Residence”, “name”: “ST ANTHONY’S LANDING”, “identifier”: “H00194”, “address”: { “@type”: “PostalAddress”, “addressLocality”: “Louisville”, “addressRegion”: “KY”, “addressCountry”: “US” } } }, { “@type”: “ListItem”, “position”: 53, “item”: { “@type”: “Residence”, “name”: “STONEHENGE CONDO”, “identifier”: “005602”, “address”: { “@type”: “PostalAddress”, “addressLocality”: “Louisville”, “addressRegion”: “KY”, “addressCountry”: “US” } } }, { “@type”: “ListItem”, “position”: 54, “item”: { “@type”: “Residence”, “name”: “SWAN POINTE CONDOMINIUMS”, “identifier”: “H00586”, “address”: { “@type”: “PostalAddress”, “addressLocality”: “Louisville”, “addressRegion”: “KY”, “addressCountry”: “US” } } }, { “@type”: “ListItem”, “position”: 55, “item”: { “@type”: “Residence”, “name”: “THE CLIFF VIEW TERRACE CO”, “identifier”: “H00587”, “address”: { “@type”: “PostalAddress”, “addressLocality”: “Louisville”, “addressRegion”: “KY”, “addressCountry”: “US” } } }, { “@type”: “ListItem”, “position”: 56, “item”: { “@type”: “Residence”, “name”: “THE COTTAGES @ MEADOWVIEW”, “identifier”: “H00182”, “address”: { “@type”: “PostalAddress”, “addressLocality”: “Louisville”, “addressRegion”: “KY”, “addressCountry”: “US” } } }, { “@type”: “ListItem”, “position”: 57, “item”: { “@type”: “Residence”, “name”: “THE FOUNTAINS CONDOMINIUM”, “identifier”: “H00171”, “address”: { “@type”: “PostalAddress”, “addressLocality”: “Louisville”, “addressRegion”: “KY”, “addressCountry”: “US” } } }, { “@type”: “ListItem”, “position”: 58, “item”: { “@type”: “Residence”, “name”: “THE GARDENS OF GLENMARY”, “identifier”: “H00272”, “address”: { “@type”: “PostalAddress”, “addressLocality”: “Louisville”, “addressRegion”: “KY”, “addressCountry”: “US” } } }, { “@type”: “ListItem”, “position”: 59, “item”: { “@type”: “Residence”, “name”: “THE GARDENS OF MONTICELLO”, “identifier”: “H00609”, “address”: { “@type”: “PostalAddress”, “addressLocality”: “Louisville”, “addressRegion”: “KY”, “addressCountry”: “US” } } }, { “@type”: “ListItem”, “position”: 60, “item”: { “@type”: “Residence”, “name”: “THE PARKVIEW CONDOMINIUMS”, “identifier”: “H00258”, “address”: { “@type”: “PostalAddress”, “addressLocality”: “Louisville”, “addressRegion”: “KY”, “addressCountry”: “US” } } }, { “@type”: “ListItem”, “position”: 61, “item”: { “@type”: “Residence”, “name”: “THE VILLAGE @ WILDWOOD”, “identifier”: “H00088”, “address”: { “@type”: “PostalAddress”, “addressLocality”: “Louisville”, “addressRegion”: “KY”, “addressCountry”: “US” } } }, { “@type”: “ListItem”, “position”: 62, “item”: { “@type”: “Residence”, “name”: “THE VILLAGE @INDIAN FALLS”, “identifier”: “H00143”, “address”: { “@type”: “PostalAddress”, “addressLocality”: “Louisville”, “addressRegion”: “KY”, “addressCountry”: “US” } } }, { “@type”: “ListItem”, “position”: 63, “item”: { “@type”: “Residence”, “name”: “THE VILLAGE OF WHITE OAKS”, “identifier”: “H00531”, “address”: { “@type”: “PostalAddress”, “addressLocality”: “Louisville”, “addressRegion”: “KY”, “addressCountry”: “US” } } }, { “@type”: “ListItem”, “position”: 64, “item”: { “@type”: “Residence”, “name”: “THE VILLAS OF STONY FARM”, “identifier”: “H00288”, “address”: { “@type”: “PostalAddress”, “addressLocality”: “Louisville”, “addressRegion”: “KY”, “addressCountry”: “US” } } }, { “@type”: “ListItem”, “position”: 65, “item”: { “@type”: “Residence”, “name”: “THE WOODS OF CRESCENT HIL”, “identifier”: “H00031”, “address”: { “@type”: “PostalAddress”, “addressLocality”: “Louisville”, “addressRegion”: “KY”, “addressCountry”: “US” } } }, { “@type”: “ListItem”, “position”: 66, “item”: { “@type”: “Residence”, “name”: “THE WOODS OF CRESCENT HIL”, “identifier”: “H00030”, “address”: { “@type”: “PostalAddress”, “addressLocality”: “Louisville”, “addressRegion”: “KY”, “addressCountry”: “US” } } }, { “@type”: “ListItem”, “position”: 67, “item”: { “@type”: “Residence”, “name”: “TIMBERWOOD II”, “identifier”: “000005”, “address”: { “@type”: “PostalAddress”, “addressLocality”: “Louisville”, “addressRegion”: “KY”, “addressCountry”: “US” } } }, { “@type”: “ListItem”, “position”: 68, “item”: { “@type”: “Residence”, “name”: “TREIS CONDOMINIUMS”, “identifier”: “H00058”, “address”: { “@type”: “PostalAddress”, “addressLocality”: “Louisville”, “addressRegion”: “KY”, “addressCountry”: “US” } } }, { “@type”: “ListItem”, “position”: 69, “item”: { “@type”: “Residence”, “name”: “VALHALLA VISTA CONDOMINIUMS”, “identifier”: “000024”, “address”: { “@type”: “PostalAddress”, “addressLocality”: “Louisville”, “addressRegion”: “KY”, “addressCountry”: “US” } } }, { “@type”: “ListItem”, “position”: 70, “item”: { “@type”: “Residence”, “name”: “VALLEY FARMS PATIO HOMES”, “identifier”: “000021”, “address”: { “@type”: “PostalAddress”, “addressLocality”: “Louisville”, “addressRegion”: “KY”, “addressCountry”: “US” } } }, { “@type”: “ListItem”, “position”: 71, “item”: { “@type”: “Residence”, “name”: “VILLAGE AT PRESTON CROSSI”, “identifier”: “H00504”, “address”: { “@type”: “PostalAddress”, “addressLocality”: “Louisville”, “addressRegion”: “KY”, “addressCountry”: “US” } } }, { “@type”: “ListItem”, “position”: 72, “item”: { “@type”: “Residence”, “name”: “VILLAGE AT WILDWOOD”, “identifier”: “H00125”, “address”: { “@type”: “PostalAddress”, “addressLocality”: “Louisville”, “addressRegion”: “KY”, “addressCountry”: “US” } } }, { “@type”: “ListItem”, “position”: 73, “item”: { “@type”: “Residence”, “name”: “WEMBERLY HILL GARDEN HOME”, “identifier”: “VAC143”, “address”: { “@type”: “PostalAddress”, “addressLocality”: “Louisville”, “addressRegion”: “KY”, “addressCountry”: “US” } } }, { “@type”: “ListItem”, “position”: 74, “item”: { “@type”: “Residence”, “name”: “WESTPORT GARDENS”, “identifier”: “000008”, “address”: { “@type”: “PostalAddress”, “addressLocality”: “Louisville”, “addressRegion”: “KY”, “addressCountry”: “US” } } }, { “@type”: “ListItem”, “position”: 75, “item”: { “@type”: “Residence”, “name”: “WESTPORT RIDGE CONDO”, “identifier”: “H00629”, “address”: { “@type”: “PostalAddress”, “addressLocality”: “Louisville”, “addressRegion”: “KY”, “addressCountry”: “US” } } }, { “@type”: “ListItem”, “position”: 76, “item”: { “@type”: “Residence”, “name”: “WINDSOR GATE CONDOMINIUM”, “identifier”: “H00262”, “address”: { “@type”: “PostalAddress”, “addressLocality”: “Louisville”, “addressRegion”: “KY”, “addressCountry”: “US” } } }, { “@type”: “ListItem”, “position”: 77, “item”: { “@type”: “Residence”, “name”: “WISTERIA LANDING CONDO”, “identifier”: “H00535”, “address”: { “@type”: “PostalAddress”, “addressLocality”: “Louisville”, “addressRegion”: “KY”, “addressCountry”: “US” } } }, { “@type”: “ListItem”, “position”: 78, “item”: { “@type”: “Residence”, “name”: “WOODMONT”, “identifier”: “H00156”, “address”: { “@type”: “PostalAddress”, “addressLocality”: “Louisville”, “addressRegion”: “KY”, “addressCountry”: “US” } } }, { “@type”: “ListItem”, “position”: 79, “item”: { “@type”: “Residence”, “name”: “WOODRIDGE LAKE PATIO HMS”, “identifier”: “H00092”, “address”: { “@type”: “PostalAddress”, “addressLocality”: “Louisville”, “addressRegion”: “KY”, “addressCountry”: “US” } } }, { “@type”: “ListItem”, “position”: 80, “item”: { “@type”: “Residence”, “name”: “WOODRIDGE LAKE TOWNHOMES”, “identifier”: “H00093”, “address”: { “@type”: “PostalAddress”, “addressLocality”: “Louisville”, “addressRegion”: “KY”, “addressCountry”: “US” } } }, { “@type”: “ListItem”, “position”: 81, “item”: { “@type”: “Residence”, “name”: “WOODS OF ST. ANDREWS”, “identifier”: “H00139”, “address”: { “@type”: “PostalAddress”, “addressLocality”: “Louisville”, “addressRegion”: “KY”, “addressCountry”: “US” } } }, { “@type”: “ListItem”, “position”: 82, “item”: { “@type”: “Residence”, “name”: “WOODSPOINTE”, “identifier”: “VAC074”, “address”: { “@type”: “PostalAddress”, “addressLocality”: “Louisville”, “addressRegion”: “KY”, “addressCountry”: “US” } } }, { “@type”: “ListItem”, “position”: 83, “item”: { “@type”: “Residence”, “name”: “WORTHINGTON GLEN CONDOS”, “identifier”: “H00162”, “address”: { “@type”: “PostalAddress”, “addressLocality”: “Louisville”, “addressRegion”: “KY”, “addressCountry”: “US” } } }, { “@type”: “ListItem”, “position”: 84, “item”: { “@type”: “Residence”, “name”: “WYNDEMERE”, “identifier”: “H00213”, “address”: { “@type”: “PostalAddress”, “addressLocality”: “Louisville”, “addressRegion”: “KY”, “addressCountry”: “US” } } }, { “@type”: “ListItem”, “position”: 85, “item”: { “@type”: “Residence”, “name”: “WYSTERIA LANDING CONDOMIN”, “identifier”: “H00351”, “address”: { “@type”: “PostalAddress”, “addressLocality”: “Louisville”, “addressRegion”: “KY”, “addressCountry”: “US” } } }, { “@type”: “ListItem”, “position”: 86, “item”: { “@type”: “Residence”, “name”: “YORKWOOD CONDO I”, “identifier”: “VAC013”, “address”: { “@type”: “PostalAddress”, “addressLocality”: “Louisville”, “addressRegion”: “KY”, “addressCountry”: “US” } } }, { “@type”: “ListItem”, “position”: 87, “item”: { “@type”: “Residence”, “name”: “YORKWOOD CONDO II”, “identifier”: “VAC016”, “address”: { “@type”: “PostalAddress”, “addressLocality”: “Louisville”, “addressRegion”: “KY”, “addressCountry”: “US” } } } ] }, { “@type”: “FAQPage”, “@id”: “https://www.mylouisvillekentuckymortgage.com/va-approved-condos-louisville-ky#faq”, “mainEntity”: [ { “@type”: “Question”, “name”: “Can I buy a condo in Louisville with a VA loan?”, “acceptedAnswer”: { “@type”: “Answer”, “text”: “Yes. Eligible veterans, service members, and qualifying surviving spouses may use a VA mortgage loan to buy a condo when the borrower qualifies and the condo project is acceptable for VA financing. Always verify the condo project in the official VA condo report before writing an offer or ordering an appraisal.” } }, { “@type”: “Question”, “name”: “Does a Louisville condo have to be VA approved?”, “acceptedAnswer”: { “@type”: “Answer”, “text”: “For VA condo financing, the condominium project must be acceptable to VA. A condo appearing in the VA-approved condo report can help avoid delays. If the project is not listed, the lender may need to review whether VA approval can be requested before the loan can move forward.” } }, { “@type”: “Question”, “name”: “Are FHA-approved condos automatically VA approved?”, “acceptedAnswer”: { “@type”: “Answer”, “text”: “No. FHA approval and VA approval are not the same. A project should be checked directly through VA resources before relying on it for VA mortgage financing.” } }, { “@type”: “Question”, “name”: “What are the main benefits of a VA condo loan in Kentucky?”, “acceptedAnswer”: { “@type”: “Answer”, “text”: “Key VA loan benefits may include no down payment when the sales price does not exceed appraised value, no monthly mortgage insurance, competitive terms, and limited closing costs. Borrowers must still meet lender credit, income, residual income, occupancy, and VA requirements.” } }, { “@type”: “Question”, “name”: “Who can help verify a VA-approved condo in Jefferson County KY?”, “acceptedAnswer”: { “@type”: “Answer”, “text”: “Joel Lobb can help Kentucky veterans and real estate agents check VA condo eligibility, review buyer qualifications, and compare VA loan options for approved condo projects in Louisville and Jefferson County.” } } ] } ] }

STUDENT LOAN CLARIFICATION FOR ALL LOAN PROGRAMS


 
STUDENT LOAN CLARIFICATION FOR ALL LOAN PROGRAMS
PROGRAM
GUIDELINE
FNMA
For all student loans, whether deferred, in forbearance, or in repayment (not deferred), the lender must use the greater of the following to determine the monthly payment to be used as the borrower’s recurring monthly debt obligation:
  • 1% of the outstanding balance; or
  • The actual documented payment (documented in the credit report, in documentation obtained from the student loan lender, or in documentation supplied by the borrower).
If the payment currently being made cannot be documented or verified, 1% of the outstanding balance must be used.
Exception: If the actual documented payment is less than 1% of the outstanding balance and it will fully amortize the loan with no payment adjustments, the lender may use the lower, fully-amortizing monthly payment to qualify the borrower.
FHLMC
Use the following:
  • The payment on the credit report
  • .5% of the outstanding balance or
  • The actual documented fully amortizing payment.
FHA
Student loans:
Regardless of the payment status, the mortgagee must use:
  • The GREATER of:
    • .5% of the outstanding balance on the loan; or
    • The monthly payment reported on the credit report; or
  • The actual documented payment, provided the payment will fully amortize the loan over its term.
For example:
Student loan reporting on credit with a balance of $15,000 and a payment of $55.00. 1% of the balance is greater than the payment reporting, so you would use 1%.
If there is documentation showing a fully amortized payment of $125.00, you could use that payment instead of the 1%.
VA
May be excluded from the borrower’s total monthly obligations with evidence of a minimum of 12 months deferment from date of closing.
 
If there is no monthly payment reflected on the credit report, a copy of the borrower’s payment letter or promissory note should be used to determine what payment amount to use.
USDA
Fixed payment loans:  A fixed payment may be used in the debt ratio when the lender retains documentation to verify the payment is fixed, the interest rate is fixed, and the repayment term is fixed.  There must be no future adjustments to the terms of the student loan payments.
Non-Fixed payment loans:  Payments for deferred loans, Income Based Repayment (IBR), Graduated, Adjustable, and other types of repayment agreements which are not fixed cannot be used in the total debt ratio calculation.  One percent of the loan balance reflected on the credit report must be used as the monthly payment.  No additional documentation is required.