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Real Estate Terms

Prequalification – Document from lender that you are able to purchase

Down Payment – Good Faith or Ernest Money

Loan Type – Rural, Conventional, KHC, & FHA

(Rural loan qualify on address) – lower interest & down payment

(Conventional-no PMI)

(KHC – Kentucky Housing Corporation) – Can be any loan type with program assistance upon qualification)

FHA – Federal Housing Association(assumable and lower interest rates)

(FHA has PMI)

VA (Veterans Administration) – Must have DD214 form of eligibility.

(no downpayment & assumable)

PMI – Private Mortgage Insurance (for the loan)

MCC- Mortgage Credit Certificate

(KHC tax credit program)

DAP – Downpayment assistance program

(KHC program)

KHC can save your clients money

Wouldn't your clients love to have extra money every month? With the exclusive Kentucky Housing Corporation (KHC) Conventional No Mortgage Insurance Program (No MI), they can!

KHC's Conventional No MI program enables the borrower to have a lower monthly payment than a FHA program. This program allows eligible borrowers to go up to 97 percent of purchase price without having to pay upfront or monthly mortgage insurance. This could mean substantial savings over a year. Borrowers will have access to KHC Down payment Assistance Programs, as well! For full details and terms, visit KHC's website (under Conventional No Mortgage Insurance Program).