July 9, 2015 Real Estate Agent. Investing in quality housing solutions.

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1 July 9, 2015 Real Estate Agent Investing in quality housing solutions.

2 KHC Program Guide Real Estate Agents July 9, 2015 New MRB/KHC Home Buyer Tax Credit Household Income Limits Effective with reservations as of Monday, July 13, 2015, the new MRB Household Income Limits will be in effect. New MRB Purchase Price Limit Effective with reservations as of Monday, July 13, 2015, the new MRB and Home Buyer Tax Credit Purchase Price Limit will be $258,690

3 Secondary Market First Mortgage Products Eligibility: Both first-time and repeat home buyers purchasing a single-family dwelling. Purchase price can be no more than $294,000. Applicant s income must be within applicable secondary market limits in effect. If Affordable DAP is used, then household income needs to be within Affordable DAP income limits. KHC s Secondary Market Government Loan Products Federal Housing Administration (FHA) Financing to 96.50% of lesser of sales price or appraised value. All KHC DAPs and other KHC-approved secondary financing applicable. Maximum ratios of 40/45 with AUS approve/eligible, accept/accept through TOTAL. Upfront and Annual Mortgage Insurance Premiums 30-Year Loan Term LTV less than or equal to 95% 1.75% UFMIP.80 Annual LTV greater than 95% 1.75% UFMIP.85 Annual Rural Housing Services (RHS) Financing to 100% of the appraised value, plus guarantee fee of 2.0%/0.50% annual fee All KHC DAPs and other KHC-approved secondary financing applicable. Ratio requirements per agency guidelines. KHC will accept GUS findings, including reduced documentation and, with approval, expanded ratios up to 40%/45%. Veteran s Administration (VA) Financing to 100% of the lesser of the appraised value or sale price. All KHC DAP programs and other KHC-approved secondary financing may be used. Ratio requirements and funding fee per agency guidelines. Maximum ratios of 40/45% with AUS Approval. Real Estate Agents KHC Program Guide July 9, 2015 Page 3 of 10

4 Mortgage Revenue Bond (MRB) First Mortgage Products Eligibility: Must be a first-time home buyer, unless purchasing a single-family dwelling in a targeted county. Purchase price can be no more than $258,690. Gross annual household income must be within applicable limits in effect. All non-borrowing occupants age 18 or older must disclose income and complete KHC Form 98. KHC s MRB Government Loan Products Federal Housing Administration (FHA) Financing to 96.50% of lesser of sales price or appraised value. All KHC DAPs and other KHC-approved secondary financing applicable. Maximum ratios of 40/45 with AUS approve/eligible, accept/accept through TOTAL. Upfront and Annual Mortgage Insurance Premiums 30-Year Loan Term LTV less than or equal to 95% 1.75% UFMIP.80 Annual LTV greater than 95% 1.75% UFMIP.85 Annual Rural Housing Services (RHS) Financing to 100% of the appraised value, plus guarantee fee of 2.0%/0.50% annual fee. All KHC DAPs and other KHC-approved secondary financing applicable. Ratio requirements per agency guidelines. KHC will accept GUS findings, including reduced documentation and, with approval, expanded ratios up to 40%/45%. Veteran s Administration (VA) Financing to 100% of the lesser of the appraised value or sale price. All KHC DAP programs and other KHC-approved secondary financing may be used. Ratio requirements and funding fee per agency guidelines. Maximum ratios of 40/45% with AUS Approval. Real Estate Agents KHC Program Guide July 9, 2015 Page 4 of 10

5 KHC s Secondary Market & MRB Conventional Products 30-Year Loan Term Conventional No MI Program --- HFA Preferred Risk Sharing Conventional With MI Program --- HFA Preferred PARAMETER Conventional No MI Program Conventional With MI Program Loan Terms 30-Year, Fixed Interest Rate Eligible Occupancy Owner Occupied Eligible Purpose Purchase Eligible Property Types One-unit dwellings or approved condominiums Ineligible Property Types Manufactured housing or co-ops Down Payment of 3% Borrower s Funds, Gift, KHC DAPs, or Welcome Home Monies Maximum LTV/CLTV 97/105% Minimum LTV 81% Minimum Credit Score 680 Ratio Guidelines 40/45% Borrower Contribution/Reserves None Income Limit KHC s Secondary Market or MRB s Income Limits Manual Underwriting Not Permitted Maximum Seller Contributions 3% for CLTV > 90% and 6% for CLTV < or = 90% Other Real Estate Property Cannot own any other real estate property including manufactured housing Subordinate Financing ***if property is a KHC REO, none of KHC s DAPs can be used*** Community Seconds per FNMA Guidelines, All KHC DAPS Applicable. Home Buyer Education If all borrowers obtaining the loan are first-time home buyers (no ownership interest in a residential property in the last three years), at Follow DU Findings least one person on the loan must complete pre-purchase home buyer education in the form of an online, telephone, or face-to-face workshop. Documentation Most Recent Year Tax Transcripts Mortgage Insurance KHC will order ALL MI for TPO Lenders See page 6 for specific guidelines KHC Approved MI Companies Desktop Underwriter (DU) Only allowable AUS system Must receive an Approved/Eligible recommendation Verbal VOE for borrower(s) within 10 days of the note date Required Charter Coverage None Required 97% % 18% 95% % 16% 90% % 12% 85% & Under 6% N/A In the ADDITIONAL DATA screen, select HFA PREFERRED RISK SHARING Genworth, MGIC, Radian & United Guaranty In the ADDITIONAL DATA screen, select HFA PREFERRED KHC will not purchase conventional loans that are determined to be High Priced Mortgage Loans. Borrower must meet BOTH KHC and MI Company guidelines. UG has additional restrictions when a DAP is used. Real Estate Agents KHC Program Guide July 9, 2015 Page 5 of 10

6 Second Mortgage Products Down Payment Assistance Program (DAP) Guidelines Only home buyers obtaining a KHC first mortgage are eligible for DAP funds. Interest Rate with DAP applicable. DAP Regular Affordable Income Eligibility Based on First Mortgage Funding Source: Secondary or MRB Affordable Income (Household Income) Eligible Properties New and Existing Properties New and Existing Properties Amount Up to $6,000 Must go maximum allowed LTV on first mortgage amount Up to $4,500 Must go maximum allowed LTV on first mortgage amount Terms Purchase Price Limit 5.50% amortized over 10 years 1% amortized over 10 years Based on First Mortgage Funding Source: Secondary ($294,000) or MRB ($265,000) AUS Enter as Subordinate Financing AUS Approval required Borrower must qualify with additional monthly payment. With AUS approval, can go up to 40/45 percent Buyer or seller may use OWN funds to pay for repairs and pay off existing debt Available in Loan Connection Services--$50 Document Preparation Fee to closing agent and $25 (estimated) Recording Fee When utilizing Regular or Affordable DAP with the Conventional Product, if unable to get a DU Approve/Eligible at a 97% LTV with DAP, then you may lower first mortgage down to 95% LTV. Ratios Required Repairs DAP GFE & TIL Real Estate Agents KHC Program Guide July 9, 2015 Page 6 of 10

7 KENTUCKY HOUSING CORPORATION 2015 SECONDARY MARKET GROSS ANNUAL APPLICANT S INCOME LIMITATIONS Effective March 20, 2015 Applicant Income Limit for the following counties $97,650 Adair, Allen, Ballard, Barren, Bath, Bell, Boyd, Boyle, Breathitt, Breckinridge, Butler, Caldwell, Carlisle, Carroll, Carter, Casey, Christian, Clay, Clinton, Crittenden, Cumberland, Elliott, Estill, Fleming, Floyd, Fulton, Garrard, Grant, Graves, Grayson, Green, Greenup, Harlan, Harrison, Hart, Hopkins, Jackson, Johnson, Knott, Knox, Laurel, Lawrence, Lee, Leslie, Letcher, Lewis, Lincoln, Livingston, Logan, Lyon, Magoffin, Marion, Martin, Mason, McCreary, Meade, Menifee, Metcalfe, Monroe, Montgomery, Morgan, Muhlenberg, Nelson, Nicholas, Ohio, Owsley, Perry, Pike, Powell, Pulaski, Robertson, Rockcastle, Rowan, Russell, Simpson, Taylor, Todd, Trigg, Union, Washington, Wayne, Whitley, Wolfe Secondary Market Purchase Price Limit -- $294,000 County Income Limits County Income Limits Anderson 120,050 Jessamine 119,350 Boone 124,600 Kenton 124,600 Bourbon 119,350 Larue 105,175 Bracken 124,600 Madison 99,925 Bullitt 112,175 Marshall 104,125 Calloway 102,725 McCracken 105,875 Campbell 124,600 Mclean 100,625 Clark 119,350 Mercer 103,425 Daviess 100,625 Oldham 112,175 Edmonson 106,400 Owen 109,200 Fayette 119,350 Pendleton 124,600 Franklin 108,850 Scott 119,350 Gallatin 124,600 Shelby 127,575 Hancock 100,625 Spencer 112,175 Hardin 105,175 Trimble 112,175 Henderson 110,950 Warren 106,400 Henry 112,175 Webster 110,950 Hickman 101,325 Woodford 119,350 Jefferson 112,175 The income limitations listed above are imposed by state law. Real Estate Agents KHC Program Guide July 9, 2015 Page 7 of 10

8 KENTUCKY HOUSING CORPORATION 2015 MRB & KHC s HOME BUYER TAX CREDIT GROSS ANNUAL HOUSEHOLD INCOME LIMITS Effective July 13, 2015 The income limitations listed below are imposed by federal law. Failure to comply with them may create adverse consequences for Kentucky Housing Corporation and its bondholders. Funding Source: MRB & KHC s Home Buyer Tax Credit (Purchase Price Limit $258,690) Person(s) per household (1 or 2) (3 or more) Person(s) per household (1 or 2) (3 or more) Anderson 68,600 78,890 Kenton 71,200 81,880 Ballard 63,102 72,567 Larue 71,520 83,440 Barren 60,600 70,700 Laurel 55,800 64,680 Boone 71,200 81,880 Livingston 59,160 69,020 Bourbon 81,840 95,480 Lyon 63,102 72,567 Boyd 63,282 72,774 Madison 68,520 79,940 Bracken 85,440 99,680 Marshall 62,182 71,509 Bullitt 64,815 74,538 McCracken 62,002 71,302 Caldwell 58,320 68,040 McLean 69,000 80,500 Calloway 62,342 71,693 Meade 61,680 71,960 Campbell 71,200 81,880 Mercer 62,262 71,601 Christian ,960 Muhlenberg 57,600 67,200 Clark 81,840 95,480 Oldham 64,815 74,538 Daviess 62,582 71,969 Owen 74,880 87,360 Edmonson 72,720 84,840 Pendleton 85,440 99,680 Fayette 68,200 78,430 Scott 81,840 95,480 Franklin 62,200 71,530 Shelby 72,900 83,835 Gallatin 85,440 99,680 Simpson 63,302 72,797 Graves 62,040 72,380 Spencer 76,920 89,740 Greenup 63,282 72,774 Taylor 56,640 66,080 Hancock 62,582 71,969 Trigg 61,680 71,960 Hardin 62,162 71,486 Trimble 76,920 89,740 Henderson 63,400 72,910 Union 60,600 70,700 Henry 76,920 89,740 Warren 61,962 71,256 Hickman 67,080 78,260 Webster 76,080 88,760 Jefferson 64,815 74,538 Woodford 68,200 78,430 Jessamine 68,200 78,430 For all other counties not listed above: $66,960 (1 or 2 persons) $78,120 (3 or more persons) Real Estate Agents KHC Program Guide July 9, 2015 Page 8 of 10

9 2015 GROSS ANNUAL HOUSEHOLD AFFORDABLE DAP INCOME LIMITS Effective March 20, 2015 Purchase Price Limit for AFFORDABLE DAP Secondary Market Funding: $294,000 MRB Funding: $265,000 Counties Person(s) (1) (2) (3) (4 or more) Bath, Bell, Breathitt, Casey, Clay, Clinton, Cumberland, Elliott, Estill, Floyd, Fulton, Grayson, Green, Harlan, Hart, Jackson, Johnson, Knott, Knox, Lawrence, Lee, Leslie, Lewis, Lincoln, Magoffin, Martin, McCreary, Menifee, Metcalfe, Monroe, Montgomery, Morgan, Ohio, Owsley, Perry, Pike, Powell, Pulaski, Rockcastle, Russell, Wayne, Whitley, and Wolfe 25,700 25,400 33,050 36,700 Bullitt, Henry, Jefferson, Oldham, Spencer, and Trimble 35,950 41,050 46,200 51,300 Bourbon, Clark, Fayette, Jessamine, Scott, and Woodford 38,200 43,650 49,100 54,550 Boone, Bracken, Campbell, Gallatin, Kenton, and Pendleton 39,900 45,600 51,300 56,950 Other Counties Person(s) (1) (2) (3) (4 or more) Person(s) (1) (2) (3) (4 or more) Adair 25,950 29,650 33,350 37,050 Larue 33,400 38,200 42,950 47,700 Allen 27,000 30,850 34,700 38,550 Laurel 25,900 29,600 33,300 36,950 Anderson 38,450 43,950 49,450 54,900 Letcher 26,000 29,700 33,400 37,100 Ballard 30,750 35,150 39,550 43,900 Livingston 27,650 31,600 35,550 39,450 Barren 28,300 32,350 36,400 40,400 Logan 27,900 31,900 35,900 39,850 Boyd 30,250 34,600 38,900 43,200 Lyon 30,750 35,150 39,550 43,900 Boyle 28,500 32,600 36,650 40,700 Madison 32,000 36,600 41,150 45,700 Breckinridge 28,150 32,150 36,150 40,150 Marion 28,250 32,250 36,300 40,300 Butler 26,400 30,200 33,950 37,700 Marshall 33,350 38,100 42,850 47,600 Caldwell 27,250 31,150 35,050 38,900 Mason 29,300 33,500 37,700 41,850 Calloway 32,900 37,600 42,300 46,950 McCracken 33,850 38,650 43,500 48,300 Carlisle 26,400 30,200 33,950 37,700 McLean 32,200 36,800 41,400 46,000 Carroll 28,400 32,450 36,500 40,550 Meade 28,800 32,900 37,000 41,100 Carter 26,000 29,700 33,400 37,100 Mercer 33,150 37,850 42,600 47,300 Christian 28,850 32,950 37,050 41,150 Muhlenberg 26,900 30,750 34,600 38,400 Crittenden 29,200 33,350 37,500 41,650 Nelson 30,950 35,350 39,750 44,150 Daviess 32,200 36,800 41,400 46,000 Nicholas 26,400 30,200 33,950 37,700 Edmonson 33,950 38,800 43,650 48,450 Owen 34,950 39,950 44,950 49,900 Fleming 27,650 31,600 35,550 39,500 Robertson 28,950 33,100 37,250 41,350 Franklin 34,850 39,800 44,800 49,750 Rowan 26,700 30,500 34,300 38,100 Garrard 31,050 35,450 39,900 44,300 Shelby 40,850 46,650 52,500 58,300 Grant 31,200 35,650 40,100 44,550 Simpson 30,200 34,500 38,800 43,100 Graves 28,950 33,100 37,250 41,350 Taylor 26,450 30,200 34,000 37,750 Greenup 30,250 34,600 38,900 43,200 Todd 27,750 31,700 35,650 39,600 Hancock 32,200 36,800 41,400 46,000 Trigg 28,850 32,950 37,050 41,150 Hardin 33,400 38,200 42,950 47,700 Union 28,300 32,350 36,400 40,400 Harrison 30,450 34,800 39,150 43,450 Warren 33,950 38,800 43,650 48,450 Henderson 35,500 40,600 45,650 50,700 Washington 28,750 32,850 36,950 41,050 Hickman 31,300 35,800 40,250 44,700 Webster 35,500 40,600 45,650 50,700 Hopkins 30,050 34,350 38,650 42,900 Real Estate Agents KHC Program Guide July 9, 2015 Page 9 of 10

10 ABOUT KHC KHC is Kentucky s state housing finance agency. Created by the General Assembly in 1972, KHC provides affordable housing opportunities for low- and moderate-income Kentuckians. In our role as a mortgage investor, KHC conducts business through a statewide network of approved lenders. As the investor, KHC must also have its loans guaranteed or insured, either through a government agency (FHA, VA, or RHS) or with private mortgage insurance for Conventional. For more information about KHC, visit our website at We ve helped over 87,500 households attain homeownership with our safe and secure mortgage loans. Let us help your buyers, too. KHC ELIGIBILITY AND CREDIT STANDARDS OVERVIEW (Not intended to be an all-inclusive list.) Home Buyer Eligibility Kentucky Housing Credit Standards Property Eligibility KHC can help both first time and repeat home buyers statewide. Must be a U.S. citizen or resident alien. Applicant s income ONLY through Secondary Market. Property must be the borrower s principal residence. Borrower cannot own any other residential property at time of closing for all Conventional Loans (both Secondary and MRB) and all loans with MRB Funding. Any Borrower that meets both the income and purchase price limit can have access to Down Payment Assistance. 640 minimum credit score required for FHA, VA, & RHS. 680 minimum credit score required for Conventional. Debt ratios: 29%/41% for RHS, but with GUS approval, can go up to 40%/45%. FHA, VA & Conventional = 40%/45% Collections in most cases do not need to be paid-off in full. Judgments need to be paid in full prior to closing. Bankruptcies and foreclosures must be discharged two to seven years. Non-taxable income can be grossed-up by 15%. Both new and existing property. Both new & existing Manufactured Housing allowed with FHA & VA. With RHS only new construction Manufactured housing is allowed. Purchase price limit of $294,000 for Secondary Market or $258,960 for MRB Loans. Full appraisal required on all KHC loans. With Existing Property, VA is the only loan product that requires a termite inspection. A termite soil treatment certificate is required on ALL new construction properties except on conventional loans. KHC S WEBSITE KHC has developed a website useful to real estate agents. It provides you with the information you need to assist your buyers in obtaining KHC financing. Go to to view a list of participating lenders statewide that are approved to provide our financing programs. You ll also find our current income and purchase price guidelines, and information about continuing education credit courses. While you re on our website, don t forget to subscribe for e-grams to receive updates on KHC s programs! WHY CHOOSE KHC? KHC loans offer benefits for both you and your buyer: Programs available for first-time and repeat home buyers statewide. Increased income and purchase price guidelines mean more purchasing power for your buyer and potentially higher commissions for you. Downpayment and closing costs assistance programs for qualified buyers. Conventional, FHA, RHS, and VA loan programs with competitive interest rates. Available home buyer education and counseling programs. KHC loans are serviced in Kentucky we never sell our loans! Available online bill payment and account maintenance for borrowers. Real Estate Agent registry allows you to stay up-to-the-minute on additional funding and program changes. Kentucky Housing Corporation Mortgage Loans The Home Loan You Can Trust Visit our website at or call toll-free in Kentucky at or , extension 291, or TTY 711. Real Estate Agents KHC Program Guide July 9, 2015 Page 10 of 10

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