Home Mortgage Lenders Bardstown KY

With the money borrowed from the home mortgage lenders at banks, a home buyer can own a house without paying much money up front. See below to learn more and to gain access to home mortgage lenders in Bardstown and information on home mortgage rates, home loans, and mortgage calculators.

Kentucky Home Bank
(502) 348-4643
940 Bloomfield Rd
Bardstown, KY
Town & Country Bank And Trust Company
(502) 348-3911
201 N 3Rd St
Bardstown, KY
Aaron Mortgage Company
(859) 336-0062
208 W Main St Ste D
Springfield, KY
Hbnc Inc
(502) 957-7787
3393 Burkland Blvd
Shepherdsville, KY
American Portfolios Financial Services Inc
(502) 348-3911
201 North 3rd Street
Mortgage Brokers

Aaron Mortgage Company
(502) 350-0064
112 Manor Ave Ste 201
Bardstown, KY
Wilson And Muir Bank And Trust
(502) 348-5996
107 N 3Rd St
Bardstown, KY
Peoples Bank Mt Washington
(502) 538-7301
201 N Bardstown Road
Mount Washington, KY
Allied Mortgage Capital Corp
(502) 331-9300
120 West Stephen Foster Avenue Suite 202
Mortgage Brokers

Century Mortgage Company
(502) 348-7499
107 Manor Ave Ste 205
Bardstown, KY

Energy Efficient Mortgages (Part 2)

An energy efficient mortgage acknowledges that homes that are energy efficient generally cost homeowners less to maintain on a monthly basis as oppose to other standard homes. Buying a energy efficient home allows a homebuyer to be able to spend money on other items for the house because their energy bills will be reduced. Energy Efficient Mortgages (EMM) allows borrowers to take out bigger mortgages because their monthly energy expenses on a energy efficient home won’t be as expensive meaning that they will most likely be able to pay the loan off faster. With a EEM you can also take a standard home and make it energy efficient.

How can a EEM benefit a borrower?

There are several ways a borrower can benefit by taking out an EEM. Well, first the borrower’s income and the estimated energy savings are analyzed allowing the borrower to qualify for a larger mortgage loan. Also the borrower’s buying power is increased permitting the borrower to include the total cost of any energy improvements into the total mortgage loan amount. Then because of the energy improvements the house value is increased.

Can Your Home Qualify for A EEM?

Energy Efficient Mortgages can be used for newly constructed homes. Your home must be a single-family, a owner occupied residential , a one unit house or a condominium in order to qualify for a EEM. Before you can take out a EEM you must first have a RESNET report evaluation. The RESNET report determines your home energy efficiency in it’s current state. After a RESNET report is done then you will receive a energy home rating. A energy home rating measures your home energy efficiency. A home energy rater that’s accredited by the RESNET rating system will conduct a home inspection. They will look at things like your home heating and cooling system, window to wall ratios and insulation levels just to mention a few. Then you will receive a energy rating score between 1 to 100.

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Kentucky Mortgage Licensing Body

Website: www.kfi.ky.gov

Phone: (502) 573-3390

State: Kentucky

Licensed By: Kentucky Dept of Financial Institutions

Additional Info: Kentucky Dept of Financial Institutions - http://www.kfi.ky.gov/ 502-573-3390 kfi@ky.gov (KY is licensed through the NMLS)