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Quick and easy online mortgage applications for those with either good or bad credit histories. Helps you in finding the right lending program whether buying or refinancing.

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pre-approved loans - Kentucky KY: Loans & Mortgages :: Refinancing :: Bad credit loans :: First time buyers home loans :: Advice on the best loan for you :: Mortgage advisor.

Social Security benefits If you derive a portion of your income from social security benefits, you should provide the most recent Social Security Award Letter indicating the amount of your current monthly payments from social security.

Delinquent Loans What can I do if I am experiencing problems paying my loan? If you are experiencing difficulty making your mortgage payments, please phone our office at 1.800.962.4450 immediately. Our experienced staff handles situations like this daily, and they can offer options that are available to you to help you through this difficult time. Depending on the reason for the delinquency, your future financial outlook, and the type of mortgage you have, some or all of the following options may be available to you.

You and an attorney (if you choose to have an attorney represent you) should review the loan commitment carefully. Make sure the terms are acceptable to you. Assuming you and the lender come to terms, your agreement with the lender is now complete.

Mortgage bankers may have problems just because they are too big or they may operate like well oiled machines. A lot depends on the branch or office you deal with.

Financial Education, Available Products In some programs, senior homeowners must complete an approved financial education session -- sometimes called counseling -- before they can fill out an application for a reverse mortgage. Reverse mortgages are offered by banks, thrifts, mortgage banking firms, consumer finance firms, and financial services corporations.

LOAN offers the following fixed-rate mortgages: Term Loan to value 30 Year Fixed (30 year) Up to 107% 15 Year Fixed (15 year) Up to 95%

No Income Verification Loans

If you are self-employed or receive 1099 income, then you need a two-year track record. Lenders go by what you declare to the IRS as income, since that is documentable. Since some self-employed people overstate their expenses, this may understate your income. Look at the Schedule C of your tax returns for the last two years and the number at the bottom that says profit is your annual income. You can add any depreciation to that figure. Add them together and divide by twenty-four.

Be sure that the information in your credit report is accurate. Inaccuracies or damage done by credit or identity fraud can seriously impact your credit rating and eligibility for the best mortgage loan programs. Check your credit report on a regular basis in order to keep tabs on the information placed on it, especially if you have had credit problems in the past.