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Mortage Terms


  > Escrow account
A separate account into which the lender puts a portion of each monthly mortgage payment an escrow account provides the funds needed for such expenses as property taxes homeowners insurance mortgage insurance etc.
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  > Lock-in
Since interest rates can change frequently many lenders offer an interest rate lock-in that guarantees a specific interest rate if the loan is closed within a specific time.
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  > Borrower
A person who has been approved to receive a loan and is then obligated to repay it and any additional fees according to the loan terms.
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Smaller Down Payments
Down Payments and Private Mortgage Insurance Some lenders require 20 percent of the home's purchase price as a down payment. However many lenders now offer loans that require less than 20 percent down—sometimes as little as 5 percent on conventional loans. If a 20 percent down payment is not made lenders usually require the home buyer to purchase private mortgage insurance PMI to protect the lender in case the home buyer fails to pay. When government-assisted programs such as FHA Federal Housing Administration VA Veterans Administration or Rural Development Services are available the down payment requirements may be substantially smaller.

 

 
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Contact our Louisville Mortgage Lenders


If you live in the following cities and need a mortgage lender you should contact our Louisville mortgage lender as soon as possible:

  • Ashland
  • Bardstown
  • Berea
  • Bowling Green
  • Campbellsville
  • Corbin
  • Covington
  • Danville
  • Elizabethtown
  • Erlanger
  • Florence
  • Frankfort
  • Ft Mitchell
  • Georgetown
  • Glasgow
  • Henderson
  • Hopkinsville
  • Latonia
  • Lexington
  • Louisville
  • Madisonville
  • Mayfield
  • Morehead
  • Murray
  • Newport
  • Nicholasville
  • Owensboro
  • Paducah
  • Pikeville
  • Radcliff
  • Richmond
  • Shelbyville
  • Shepherdsville
  • Versailles
  • Winchester
       
 
Did You Know?    
 
 
Smaller Down Payments
Down Payments and Private Mortgage Insurance Some lenders require 20 percent of the home's purchase price as a down payment. However many lenders now offer loans that require less than 20 percent down—sometimes as little as 5 percent on conventional loans. If a 20 percent down payment is not made lenders usually require the home buyer to purchase private mortgage insurance PMI to protect the lender in case the home buyer fails to pay. When government-assisted programs such as FHA Federal Housing Administration VA Veterans Administration or Rural Development Services are available the down payment requirements may be substantially smaller.

 
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Louisville Audio & Video    
 
  Brokers Urge New Scale For Jumbo Mortgages
Audio, RM, 48 Kbps, 2:58:00 AM, 8/19/2005
Reporter Scott Horsley reports on federally sponsored underwriters Fannie Mae and Freddie Mac back mortgages up to $369,000. Without federal underwriting, home buyers pay a higher interest rate.
Source: National Public Radio 		 
 
Louisville External Sites    
 
 

INSTRUCTIONS FOR COMPLETION OF APPLICATION FOR MORTGAGE
KENTUCKY MORTGAGE BROKERS ASSOCIATION - JON MCCAIN, 502-223-4840 ... MORTGAGE BROKERS ONLY – A PHYSICAL LOCATION IN KENTUCKY IS REQUIRED AND NO POST

 


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The information provided on Louisville Mortgage Lenders.com is not intended to be mortgage advice, but merely conveys general information related to mortgage issues commonly encountered.

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