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Bowling Green Home Loans

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Bowling Green Mortgage Lender

Home Loans In Bowling Green, Kentucky

Bowling Green is Kentucky’s third-most populous city, behind Louisville and Lexington. As Kentucky’s fastest-growing city, the place is bursting with a dynamic economy and population, award-winning schools, affordable housing, and big-city facilities — all of which make it an excellent place to live and raise a family.

Bowling Green is currently a soft seller’s market, which means that property is in relatively high demand. Suppose you’re considering relocating to Bowling Green for whatever reason. In that case, it’d be wise to begin looking at choices now and gathering the required paperwork to avoid further delaying the mortgage application process.

Documents You Need To Get A Home Loan In Bowling Green

When shopping for a mortgage in Bowling Green, you’ll need to provide the documentation essential to establish your borrower eligibility. Though lenders often have their own set of requirements, it’s a good idea to have the necessary paperwork on hand before the process begins:

     1. Proof Of Identification

To verify their identity, all borrowers must produce a valid picture identification at the time of application. A valid driver’s license or state-issued identification card should suffice for this criterion.

     2. Social Security Card

A copy of the applicant’s social security card and a valid picture ID are required. Veterans and service members may substitute their military card or identification card for an actual social security card, which bears their social security number.

     3. Proof Of Income

All W2 employees must provide a 30-day paycheck stub in addition to their last two years’ W2s.  If 20% of the borrower’s income comes from commission, the previous two years’ tax returns will be required.

 On the other hand, self-employed borrowers must produce their most recent personal and business tax returns and other supporting documents, including a year-to-date profit and loss statement. 

Your tax returns provide an overview of your financial situation over the last few years. Lenders use this document to determine the annual earnings of borrowers and their ability to pay for the mortgage.

     4. Assets Statement

All borrowers must demonstrate where they will obtain the funds necessary to close the loan. For this, you will be asked to supply your checking and/or savings account statements for the last two months. You must submit your most recent statement, obtained from your retirement account administrator if you have retirement savings.

When you own substantial assets, lenders are more confident in granting funding to you.  

Bowling Green, Kentucky Mortgage Lender

Purchasing a home can be intimidating, even more so if it is your first time. Working with a professional, experienced mortgage lender like Capital Home Mortgage can make all the difference.

At Capital Home Mortgage, we make all decisions during the home loan process, from application to funding, which enables us to offer flexible underwriting and expedite approvals. We are passionate about what we do and will go above and beyond to ensure that you have a pleasant home buying experience.

Need A Bowling Green Home Loan? We Can Help!

Our knowledgeable Bowling Green loan professionals are standing by to answer any questions you may have about the home loan process. We’re always ready to assist you in obtaining the most appropriate financing for your new home.

To get started, call us at (270) 255-4771.

Why Bowling Green is Choosing Capital Home Mortgage...

Close On Time with True Approval

Control of the Loan from the Application to Funding.

Great Bowling Green Rates / Low Fees

Direct Mortgage Lender Providing Competitive Rates and Low Fees.

Bowling Green Customer Service

7  Day a Week Support from Application to Final Mortgage Payment. 

Bowling Green Mortgage Rates

Capital Home Mortgage Bowling Green is dedicated to offering Great Bowling Green Mortgage Rates.

Call now to speak with a Loan Officer or request a no-obligation custom rate quote.

Have you ever wondered why interests rates are what they are and what determines the final rate?  Why borrowers receive different interest rates? Or why rates go up and down?  Interest Rates are calculated using several factors.

  • Demand for the mortgage Securities
  • Property securing the mortgage
  • occupancy of the property
  • Loan to value of the property
  • Borrower’s credit worthiness

Bowling Green Kentucky Mortgage Loans

Bowling Green Home Purchase

Buying a Bowling Green Home?

  • Primary, 2nd, Investment
  • Low Rates & Low Fees
  • Conventional, FHA, VA, USDA
  • Jumbo, Reno, Manufactured

Bowling Green Renovation Home Loans

Bowling Green Rehab Loans

  • Remodel, Renovate, Repair
  • FHA 203K Streamline or Full
  • Fannie Mae Homestyle Reno
  • Freddie Mac Choice Reno

Bowling Green FHA Home Loans

1st Time Bowling Green Homebuyers

  • Smaller Down Payment
  • Flexible Underwriting
  • Higher Debt to Income Ratios
  • Lower Credit Scores Allowed

Bowling Green VA Home Loans

100% Loans for Bowling Green Veterans

  • Simply Qualifying
  • No Down Payments 
  • Lower Credit Scores Allowed
  • Manual Underwriting Allowed

Bowling Green Conventional Home Loans

Flexibility for Bowling Green Buyers

  • Primary, 2nd, Investment
  • Great Rates & Low Fees 
  • Single and Multi-Family
  • Renovation Loan Programs

Bowling Green Jumbo Home Loans

Great Bowling Green Rates

  • Primary & 2nd Homes
  • Higher Amounts – 3 Million
  • Great Interest Rates
  • Investor Specific Guidelines

Bowling Green USDA Home Loans

Rural Bowling Green Properties

  • Rural Properties Only
  • Primary Residence Only
  • New Manufactured Homes
  • Closing Costs Can Be Rolled In

Bowling Green Native American Loans

Bowling Green HUD 184 Loans

  • Primary Residence Only
  • Manual Underwrite All Loans
  • No Credit Score Requirements
  • Tribal Grants Allowed

Bowling Green Manufactured Home Loans

Bowling Green Mobile Home Loans

  • Purchase or Refinance
  • New Home Purchase
  • OTC Combo Land & Home
  • FHA, VA, USDA, & HUD 184

Bowling Green Reverse Mortgages

Your Bowling Green Home at Work!

  • Primary Residence Only
  • Simple Qualifying
  • Credit Scores Not Applicable
  • Minimum Age 62

Bowling Green Cash-Out Refinance

Bowling Green Equity Refinance

  • Reduce Mortgage Term
  • Lower Monthly Payments
  • Appraisal Waivers
  • Streamline Options Available

Bowling Green Mortgage Refinance

Bowling Green Rate & Term Refinance

  • Purchase, Refi & Cash-out
  • Primary, 2nd & Investment
  • Full Doc & Alt Doc Programs
  • Corporations OK

Bowling Green Kentucky Mortgage Team

Bowling Green Mortgage Company Reviews

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