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Key Mortgage Company, Inc offers a variety of loan programs to meet your needs. We work with the leading investors in the industry to provide:
 
Manufactured Housing
RHS
FHA
VA
Conventional Fixed Rate
KHC - Kentucky Housing Corporation

Rates last updated on Thursday, July 29, 2010

Manufactured Housing

Singlewide or Multi-Section?
New or Existing?    ~     Own land or Rented Lot?

We offer one of the most diverse loan product offerings for manufactured housing in Kentucky.  Give us a call today to find how we can help you with your manufactured home financing needs.  Or, you can fill out the SHORT LOAN APPLICATION online and it will be sent immediately to one of our loan officers.


RHS

Rural Housing Guaranty loans (USDA) are frequently referred to as 100% loans as closing costs are financed into the loan and typically require little or no money to close.  Rural Housing does have maximum income guidelines and minimum property standards that must be met to qualify.  Rural Housing is an option for new and existing stick-built homes, as well as new manufactured land/home deals.


FHA

FHA purchase loans require a 3.5% investment from the borrower.  There are no maximum income limitations for this program but properties must meet HUD minimum property standards.  FHA refinances are available.


VA

VA loans are available to eligible veterans for the purchase and refinance of stick-built homes.  There are VA options available for veterans seeking to purchase manufactured homes.


Conventional Fixed Rate

We offer Conventional purchase and refinance loans for stick-built homes.  There are no maximum income limitations for conventional loans. 


KHC - Kentucky Housing Corporation

Kentucky Housing Corporation offers very competitive interest rates for stick-built and manufactured land/home purchases only (no refinances).  KHC does have maximum income guidelines that vary by county and properties must meet certain standards to qualify.  KHC also offers a down-payment assitance program. 




Unless otherwise indicated, these APR calculations are based on the following: Conforming loans (whose maximum loan amount is below $417,000 for the contiguous states, District of Columbia, and Puerto Rico or below $625,500 for Alaska, Guam, Hawaii and the Virgin Islands) are calculated based on a loan amount of $417,000 with closing costs of $8,340. Jumbo Loans (whose maximum loan amount exceed $417,000 for the contiguous states, District of Columbia, and Puerto Rico or exceed $625,500 for Alaska, Guam, Hawaii and the Virgin Islands) are calculated based on a loan amount of $1,000,000 with closing costs of $20,000. Your actual APR may be different depending upon these factors.