KENTUCKY VA MORTGAGE LENDER

I have successfully originated over 200 VA Home loans in Kentucky. Put my experience to work for you. Call or text me today at 502-905-3708 or email me at Kentuckyloan@gmail.com-This website is not affiliated with the VA or any other government agency. NMLS #57916 Equal Housing Lender. Same Day Approvals, Fast Closings, and a Local Veteran offering VA Home Loans in Kentucky. Free Credit Report and Pre-Approvals NMLS# 57916 Joel Lobb Loan Originator, Company NMLS ID 1738461 . Equal Housing Lender

VA Manual Underwriting in Kentucky

VA Manual Underwriting in Kentucky

When the automated underwriting system (AUS) returns a Refer/Eligible response, your VA loan may still be approved through manual underwriting. Kentucky manual underwrites follow strict residual income standards and require stronger overall file quality.

Why Manual Underwriting Happens

Short or limited credit history
Low credit score
High debt-to-income ratio
Recent financial hardship
Unstable employment history

Key Manual Underwrite Requirements

41 percent DTI benchmark
Residual income must meet VA standards
12 months of clean rental or mortgage history
Limited late payments in the past year
Stable 2-year employment history

Compensating Factors That Strengthen Approval

Low payment shock
Strong savings or cash reserves
Veteran household income stability
Utility or insurance bills paid on time

Apply for a Manual Underwrite VA Loan

Request a manual underwrite review

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#57916 http://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.