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US Army Recruiting Command USAREC Overview Environmental and Industry Assessment Conference I have recently approved the revision to Recruiting Doctrine Publication … PowerPoint PPT presentation

USAREC Overview Environmental and Industry

1 October 2013 through September 2019, the Army

(USAREC) will recruit professional, volunteer

Soldiers Soldier 2020, capable of effectively

executing operations in the Army complex

1st Rctg Bde Albany Baltimore Beckley Harrisburg M

id-Atlantic New England New York City Syracuse

5th Rctg Bde Dallas Denver Houston Kansas

City Oklahoma City San Antonio Phoenix

RED – Command Group BLUE – Staff Group GREEN

Field Commands GREY – External Group

2d Rctg Bde Atlanta Columbia Jacksonville Miami Mo

6th Rctg Bde Los Angeles Portland Sacramento Salt

Lake City Seattle S. California Fresno

3d Rctg Bde Chicago Cleveland Columbus Great

Lakes Indianapolis Milwaukee Minneapolis Nashville

Medical Rctg Bde 1st AMEDD 2nd AMEDD 3rd

Where USAREC Provides the Strength Most Dispersed

Over 11,500 personnel in over 1800 locations!

Army Medical Department (AMEDD) Chaplain Chaplain

Candidate Officer Candidate (OCS) Special Forces

(18X) Translator (09L) Band Ordnance

(89D) Special Forces Officer/Enlisted Cultural

Officer/Enlisted Military Information Support

Operations (MISO) Officer/Enlisted 160th

Special Operations Aviation Regiment (SOAR)

Non-Rated Crew Members (NRCM) Aviation Back Shop

Maintenance Service Support In-Service Warrant

Officer (Tech) In-Service Warrant Officer

Source FY14/15 Mission Letter dtd 23Oct 2013

Command Priorities Supporting Objectives

Implement Army SHARP programNo Sexual Assaults

Execute Army Leader Development Strategy

Understand and operate through Mission Command

Execute Ready and Resilient Campaign Wellness

efforts effective for Soldiers, Civilians

uphold and enforce standards and discipline at

Achieve FY14 mission RA 57K AR 18.3K EP 19.9K

Enable special mission success MRB SORB

Adapt and use marketing intelligence network

Improve Army Reserve recruiting partnership

Adapt Doctrine, Training Education for

Market Intelligence Position Mission the Force

military and will likely decline as the nation

medical professionals increase the difficulty of

like overweight, medical and moral conditions,

significantly reduces the size of the eligible

Fundamental Objectives for Recruiting Market

Qualified Military Available (QMA) Population

For every 4 Americans between the ages of 17

24, less than 1 is eligible to serve in the

military due to disqualifying conditions.

2011 US Population 17-24 year olds 33.1 Million

Ineligible due to medical condition, criminal

history or dependency (too many dependents or

Ineligible due to lack of education credential

and/or extremely low scores on ASVAB

Overweight and/or Exceed Body Fat Standards

0.4 of the population is less qualified in 2012

Of this fully qualified pool, 55 (4.2M) are HS

Diploma Graduates who score greater than 50 on

the ASVAB. The remainder are HS Diploma

Graduates who dont score as well on the ASVAB,

or non-HS Diploma Graduates who score well on the

ASVAB. Congressional statutes limit enlistments

from this portion of the eligible pool.

Sources Woods Poole 2011 Population Estimates

Lewin Group 2007 Study Developed by US Army

Accessions Command G2/9, Center for Accessions

Market Analysis Attitudes EnvironmentThe desirability of a military enlistment is a

in decline (vet population down 20 since 1990

Market Analysis Regional Differences

RY13 Penetration RatesRA AR production per

over 90 of the QMA population 92 of RY13

Mission the recruiting force to maintain FSTP

levels Concentrate placement into critical

MOSs Maintain presence in all recruiting

markets Enable success and improvement

USAREC recruits the most qualified men and women

Less than 3 of 10 youth are qualified to serve!

Prospecting Approx 18.6 M to 23M Contacts for a

Appointment Make Approx 715K appointments made

Appointment Conduct Approx 500K appointments

MEPS Approx 115K Applicants to MEPS for 90K

Future Soldier Training Program (FSTP) Future

Soldier Orientation and assignment to FS Leader

Future Soldier Training Program (FSTP)A Program designed to allow persons to enlist in

the Army for up to 14 months prior to departing

Target AudiencesProspects Youth Ages 17-24 with emphasis on

parents) who are the primary influencers of the

and organization members who also influence our

Messaging Targeted To Primary Segments On

Local AssetsAvailable for local use based on commander

Deployable Rapid Assembly Surgical Hospital

Branded H3 with Audio Visual Gaming Console

VISION Connecting the US Army – its Mission, its

Values, its Soldiers, its Career Opportunities –

Board members are committed and trusted community

and business leaders whom have the ability to

influence others. Advisory Boards generally

meet quarterly to understand the Army and its

mission, challenges, issues and successes.

Community Urban League US Hispanic Chambers of

Partnerships and outreach promote Army awareness

USAREC developing new doctrineTwo new manuals, 3 3-0 (Recruiting Operations)

serve as capstone documents to guide all

aligning our efforts w/ how the Army applies

methodologies (Military Decisionmaking Process

seeing the annual mission (vice focusing on

Bottom Line Complete overhaul of current

Planning developing integrated solutions for

DA Selects and Volunteers Selected for Recruiting

Army Career Branches provide packets based on

Human Resources Command (HRC) mission guidance

Volunteers and OCONUS based Soldiers receive

Battalion level Assignments prior to their report

date to the Army Recruiting Course (ARC)

Brigades/Battalions make Company and Station

participation in extremist organizations and

incidents within the past 5 years upon selection.

(including proceedings under the provisions of

the Uniform Code of Military Justice, Article 15

(UCMJ, Art. 15) or had adverse action taken by

any authority for any offense that involves moral

turpitude, regardless of sentence received or any

offense under the UCMJ for which confinement of 2

or marital, emotional, or major medical problems

that would hamper performance on recruiting

Pass APFT and meet Army Height/Weight Standards

Have a Behavioral Health evaluation statement not

Cadre Recruiter 79R Becomes Primary MOS Proven

Track Record Must be Excellent Trainers 56 are

SFC Average Age is 37 3017 Total Cadre

DA Select Recruiter 65 Selected by DA 35

Volunteer Serve 3 Year Recruiting Tour Average

Service is 11 Years Average Age is 31 Need 1 out

of 14 to Reclassify to 79R 5228 Total DA Select

Recruiters 94 DA Selects have OIF/OEF Experience

CO 1SG, BN/BDE OPNS NCO, SENIOR MASTER TRAINER,

CENTER NCOIC, ASST CENTER NCOIC MASTER

TRAINER, BN/BDE OPNS NCO, EO ADVISOR,

Numbers Include On-Production, Staff, and

79R On Production Recruiter 0 Selected by

HRC 100 Volunteer 0 Call to Active Duty

(IRR) Serve 3 Year Detail Average Service is 13

Years Average Age is 38 25 Total DA Select

Recruiters 76 DA Selects have OIF/OEF Experience

Cadre Recruiter 79R Becomes Primary MOS 61 are

SFC Average Service is 12 Years Average Age is

38 1487 Total Cadre Recruiters 63 79R have

CO 1SG, BN/BDE OPNS NCO, SR MASTER TRAINER, SR

CENTER NCOIC, ASST CENTER NCOIC, MASTER TRAINER,

BN/BDE OPNS NCO, GUIDANCE COUNSELOR, FUTURE

Numbers Include On-Production, Staff, and

Recruit the Recruiter (RTR) Division Outreach

Efficient Processing, Quality Control and

One of the key advantages of working as a team is

that having multiple eyes on an individuals

enlistment process can reduce administrative

errors, decrease acts of misconduct, and improve

efficiency.The intent is to continue to move errors, waste,

and loss as close to the beginning of the process

ditch effort to accomplish a monthly mission or

maintain standards, holding ourselves accountable

We must maintain standards in enlistment

processing and efficiently manage recruiting,

from first contact to shipping, at the lowest

As we plan and develop integrated solutions for

our transformation to USAREC 2020 it is important

to consider all aspects of recruiting operations.USAREC is executing its operational mission every

day providing little ability to go off line and

transformation plan will depend on how well we

integrate across all functions, use our limited

By empowering leaders at each level of the

organization with the authority to act through

mission command and hold people responsible for

adhering to standards, recognizing them when they

do, we can accomplish the mission and transform

One of our challenges has always been dealing

with complex missions in a geographically

dispersed organization.Mission Command is the basis for our operations

that will give us the collective focus and

adaptability to accomplish our very complex

operation across the spectrum and is how we

direction through mission orders, enabling

subordinate leaders to exercise disciplined

incorporates the aspirations, To serve, to live,

to connect and to grow. Establishing this

well-being end state will assist the command in

This approach empowers agile, adaptive leaders as

they conduct operations in the context of their

USAREC developing new doctrineTwo new manuals, 3 3-0 (Recruiting Operations)

serve as capstone documents to guide all

aligning our efforts w/ how the Army applies

methodologies (Military Decision making Process

seeing the annual mission (vice focusing on

Bottom Line Complete overhaul of current

USAREC must task organize to meet changing

mission requirements, available resources and

environmental shifts in the economy or market.Past transformation efforts have provided solid

organizational structure, spans of control and

geographic alignments at the battalion and

are positioned in their markets and how companies

are aligned to contiguous markets using the

Positioning Analysis Evaluation (PAE) process

adjust to mission needs using the recruiting

operations plan and timelines to fluidly task

organize execution of recruiting functions for

Training poses a special problem for USAREC,

being a geo-dispersed unit using skill sets

unique for the Army while constantly executing

our mission.Commanders are expected to leverage social media,

blogs, webinars, MilSuites Pro-Net, and

train-the-trainer events, as with ongoing

Master-Resiliency, to help bridge the training

training process is a fundamental shift in past

We will apply Army Training doctrine more than

the past and use an already successful Army

We have grown outdated with much of our material

support and must fix the situation as quickly as

our budgets allow, shifting funding priorities

where necessary and gaining support from the

Army.First order of business is our mobile

replace laptops, providing protection to

Personally Identifying Information (PII) that cut

recruiter action more effective and efficient,

smart devices providing major gains in data

We are looking at two key marketing support

areas, Personal Presentation Items (PPI) and

event support equipment at the local level. We

need to equip our forces to engage their markets

independently, not relying on only national

Leader development, especially as we further

establish mission command as a key principle of

recruiting, is critical to our success.Company commanders must own their missions and

established in AR 600-20, Army Command Policy,

and should develop their subordinate leaders

MilSuites /Pro-Net to directly engage on key

to extend leader development to our Soldiers and

leaders limiting our travel and time away from

As commanders execute their authority, I expect

them to rely on the advice and knowledge of our

NCO leaders and recruiting experts. Their

experience is invaluable to ensuring mission

TransformationAs USAREC works together to set our direction, we

will take advantage of the lessons learned from

Current OperationsOur future transformation is a full spectrum

effort across all the integrated planning domains

of doctrine, organization, training, material,

working as a team, to accomplish all of our

Our efforts to transform USAREC will mirror

efforts by the Army to transform the entire

USAREC must relook positioning of our centers to

ensure we are in the right places. Transforming

to Small Unit Recruiting and Pinnacle in recent

years, USAREC gave up too many Recruiting Centers

in areas where we have had past success.Tight budgets are reason to ensure we are in the

give up locations with low potential to achieve

and where feasible consolidate into facilities we

currently lease or can share to enable commanders

and first sergeants to exercise mission command

and amenities at reduced costs, and in the case

of in-service missions for accessibility to their

We must continue to work closely with the Corps

of Engineers to anticipate and get ahead of

demographic shifts, ensuring we occupy and

dominate the terrain decisive to acquiring the

Working as a TeamWe must work as a team with every individual

working together to execute recruiting

operations. The team leader, based on the

mission, personnel, and resources must task

executing every step of the recruiting process

There will be no more just do two mentalities

Leaders will not divorce themselves of the

responsibility to be involved and lead their

dogmatically apply those roles based on the size

from prospecting to processing or a future

Soldier event, then the leader must make that

The key is leader involvement, organizing and

leading their team, to accomplish the mission and

continually execute, simultaneously, all

functions in the recruiting process, especially

prospecting, processing, and future Soldier

Leading Future SoldiersOur Future Soldiers need leadership to ensure

they remain motivated and prepare them to fulfill

of losses were acceptable. This is extremely

wasteful as the time and energy spent to recruit

recruited masks shortfalls we will need to

those who want to serve and leverage the future

Our Future Soldiers are a great advocate for Army

opportunities and referrals. We must maintain a

positive relationship with them and their

Another key to success is recognizing excellence

in the organization. We had to make changes and

focus on the team.While our intent was to eliminate individual

awards tied purely to production, we ended up

eliminating nearly all individual recognition and

just tied to a number of contracts an individual

I expect commanders to continue using the Army

awards system and their own programs to recognize

teams and individuals based on excellence.

Maintaining Contact with Communities

Our mission requires us to maintain contact with

We must use marketing, social networks and a

virtual presence to continue providing

opportunities where our physical presence is

We need to focus our physical presence where we

can gain the most recruitsCommanders need to measure return on investment

abilities, needs in a marketplace and leverage

the targeting process to acquire the resources

needed for success, support where feasible, and

best use of our Soldiers ability to engage the

market in their communities and ensure a Army

AMEDD, SORB) and work with Army Reserve and

relations with military communities including

We must develop and maintain the systems that

support recruiting. Whether an administrative

process, an information system, meetings,

training events, or communications, we must learn

to do routine things routinely.Must ensure continuous feedback from the most

critical point in our operational environment,

the Army interview, through each level of command

including Army leaders, other Army organizations,

USARECs vision is fully integrated and

universally accessible paperless systems with one

time data entry that are flexible, mobile, and

Managing talent and selecting the right personnel

to fill recruiting positions Army designated

positions of special trust is essential to our

We must have the right balance between the

experience and continuity of our civilian and

senior 79R force and the breadth and operational

experience of Leaders and Soldiers rotating from

help replace a workforce consisting of many

USAREC is currently leading an Army review of

Career Management Field 79 and we will use the

results of this effort to inform our future

An important characteristic of a learning

organization is using knowledge management to

learn from past lessons and apply that knowledge

Knowledge Management ProcessLearning organizations dont continue to repeat

We have invested considerable time, energy, and

resources during our past transformation efforts.

We will not waste that investment by giving up

TSC IV Overweight else Qualified 1.1M (3.4)

Overweight else Qualified 3.8M (11.4)

less than 1 in 4 Qualified Medical Moral Depen

Unqualified TSC Education 6.7M (20.2)

Sources Woods Pool 2012 Population Estimates

Lewin Group 2007 Study

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JEE Main 2017 Cutoff

Central Board of Secondary Education (CBSE) has released JEE Main 2017 result today at 1:00 pm. With the release of the result, the JEE Main 2017 cutoff is also to be announced by CBSE today. JEE Main 2017 cutoff is the qualifying mark that a candidate needs to score to qualify for JEE Main 2017 Examination. So, the applicants for JEE Main 2017 Examination need to score qualifying marks i.e. cutoff in their respective category to pass the JEE Main 2017 Exam. All the candidates who have qualified JEE Main 2017 Examination are eligible for counseling conducted by JoSAA.

The JEE Main 2017 cutoff is different for Gen, OBC-NCL, SC and ST categories. The cutoff for JEE Main 2017 Examination depends on various factors such as the total number of candidates appeared in JEE Main 2017, difficulty level of the exam, availability of seats in the participating institutes etc.

The candidates who have secured equal to or more than JEE Main 2017 cutoff are eligible to admission for B.Tech/B.E programmes in 23 IITs, 31 NITs, 20 IIITs and 18 GFTIs. Many central and state universities also take admission on the base of JEE Main score card.

Furthermore, top 2,20,000 candidates depending on the JEE Main scores are also selected to appear for JEE Advanced Examination which is scheduled to be held on May 21. JEE Advanced 2017 Examination will be used for admission to nearly 11, 000 seats in 23 IITs.

3000 Free Computer Centres for Students to practice JEE Main and NEET 2019 Computer Based Test (CBT)

JEE Advanced Topper Interview – Pranav Goyal (AIR 1)

UPESEAT 2018: Admit card released for Computer Based Test on May 12

SRMJEE 2018: Counselling begins on May 07, Check here complete seat allotment procedure

JNTU released admit card of TS ECET 2018, check here how to download

TNEA 2018 Applications begins, Check here how to apply and admission process

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JEE Advanced Topper Interview – Pranav Goyal (AIR 1)

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Army Reserve Retirement

The Army Reserve Retirement System is a little less straight forward than its Active Duty counter part. The entire system is based on accumulating retirement points. Some of the things you can do for retirement points can also get you promotion points.

Soldiers in the Army Reserve are eligible to receive retirement compensation at the age of 60 as long as they have accumulated 20 Good Years. However, in January 2013, Congress has created an option that allows soldiers to opt into areduced-age retirement. For every fiscal year, the soldier can earn a maximum 90 days towards early retirement. To earn this, the soldier must be mobilized for a minimum of 90 days total during

that fiscal year. Army Reserve Soldiers can use this system to reduce their retirement age to as low as 50.

For any one year to count towards your retirement, it must be classified as a Good Year. No, we are not talking about tires here. A Good Year is one in which you served in the Individual Ready Reserve (IRR) or the Active Reserve (AR) and accumulated a minimum of 50 retirement points. Your year for accounting purposes is not the same a calendar year or even the Army fiscal year.

50+ Retirement Points = 1 Good Year

Each soldier has their own date that their retirement year starts and ends. Mine, for example, starts April 30th. This is when I signed my first contract with the Army entering into the Delayed Entry Program (DEP). So, any points I accumulate between April 30th and April 29th of the next year go toward one retirement year.

Once you have 20 Good Years toward your Army Reserve Retirement, and meet the age requirement above, you can start drawing a retirement check. But, how much will your check be? The Active Duty system is pretty simple. You get paid 2.5% of your base pay for every year you serve. The Army Reserve is the same, although a year of service is defined a little differently. One year of service for Reserve retirement is considered 360 retirement points. Reserve service is converted to active service by dividing retirement points by 360.

SFC Smith has earned a total of 4027 retirement points while serving in the Army. He has received his 20 year letter and is trying to determine how much his retirement will be when he hits 60 years old.

This means that SFC smith will receive a monthly check for 27.965% of the average of his 3 highest paying years in the Army. You can check your LES to see what this will be for you since everyone has a different situation. But, to make things simple, we will look at the SFC pay rate with 20 years of service.

The maximum number a points you can get each year is not number of calendar days in that year. This is in reference to total Army Reserve Retirement points. However, there is a second maximum that is typically more important to remember. The maximum Inactive Duty Training (IDT) points is more relevant to the Army Reserve soldier. This is because the majority of your points throughout the year will fall into this category. These different categories will be discussed below in the Earning Army Reserve Retirement Points section.

Maximum IDT point limits have 4 different dates to reference. These effective dates show changes to the regulation. As long as your points were earned after the effective dates, they are subject to the corresponding maximums listed below.

Army Reserve Retirement Points can be earned in the following ways:

Inactive Duty Training (IDT), paid and non-paid 4 or 8 hour duty (IRR Soldiers must be attached to a Unit per AR 140-10 to earn points this way.)

Active Duty (AD), Active Duty for Training (ADT), Annual Training (AT)

Distance Learning(Nonresidential) Points

Funeral Honors Duty (Maximum of 1 retirement point per calendar day)

Just for being a part of the Army Reserves or even the Individual Ready Reserves (IRR), you get 15 retirement points in the IDT section. This means that you dont even have to be a drilling reservist. You can accumulate enough points to count as a Good Year by being in the IRR and completing Correspondence Courses.

The only retirement points that count as Active Points are those that require orders. If you were not issued orders to perform the military service, schooling or activity; those points will not count towards Active points. Active points include Active Duty (AD), Active Duty for Training (ADT), and Annual Training (AT).

There are quite a few websites that have calculators available, but I prefer to track my own. Below is the calculator the Army HRC provides.

AR 140-185and DODI 1215.07 governs awarding/crediting of retirement points.

JKO Approved List of Courses For Promotion Points

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KENTUCKY FHA MORTGAGE LENDER GUIDELINES

Zero Down Home Loans available in Kentucky

Kentucky USDA Rural Development Housing Zero Down

Kentucky VA Home Loans Mortgage Guidelines

KHC Loan Programs Down Payment Assistance for 2018

(HARP) Home Affordable Refinance Program HARP 2.0

Common Questions from First-time Home-buyers in Kentucky

Documents Needed for Mortgage Loan Approval in Kentucky

Dos & Donts before closing:

Mortgage Calculator for Kentucky FHA, VA, USDA, KHC Mortgage Loans

Louisville Kentucky Mortgage Lender for FHA, VA, KHC, USDA and Rural Housing Kentucky Mortgage: WHAT IS THE MINIMUM CREDIT SCORE FOR A KENTUCKY FH…

Louisville Kentucky Mortgage Lender for FHA, VA, KHC, USDA and Rural Housing Kentucky Mortgage: WHAT IS THE MINIMUM CREDIT SCORE FOR A KENTUCKY FH…: What is minimum credit score for a FHA, VA, USDA, Fannie Mae and KHC Mortgage Loan Approval in Kentucky? Can you get a home loan with…

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4 Things Every Borrower Needs to Get Approved for a Mortgage or Home Loan In Kentucky

There are 4 basic things that a borrower needs to show a lender in order to get approved for a mortgage. Each category has so many what ifs and sub plots that each box can read as its own novel. In other words, each category has so many variables that can affect what it takes to get approved, but without further adieu here are the four categories in no particular order as each without any of these items, youre pretty much dead in the water:

You need income. You need to be able to afford the home. But what is acceptable income? Lets just say that there are two ratios mortgage underwriters look at to qualify you for mortgage payment:

First Ratio The first ratio, top ratio or housing ratio. Basically that means out of all the gross monthly income you make, that no more that X percent of it can go to your housing payment. The housing payment consists of Principle, Interest, Taxes and Insurance. Whether you escrow or not every one of these items are factored into your ratio. There are a lot of exceptions to how high you can go, but lets just say that if your ratio is 33% or less, generally, across the board, youre safe.

Second Ratio-The second ratio, bottom ratio or debt ratio includes the housing payment, but also adds all of the monthly debts that the borrower has. So, it includes housing payment as well as every other debt that a borrower may have. This would include, Auto loans, credit cards, student loans, personal loans, child support, alimony.basically any consistent outgoing debt that youre paying on. Again, if youre paying less than 45% of your gross monthly income to all of the debts, plus your proposed housing payment, thengenerally, youre safe. You can go a lot higher in this area, but there are a lot of caveats when increasing your back ratio.

What qualifies as income? Basically, its income that has at least a proven, two year history of being received and pretty high assurances that the income is likely to continue for at least three years. Whats not acceptable? Unverifiable cash income, short term income and income thats not likely to continue like unemployment income, student loan aid, VA education benefits,or short term disability are not allowed for a mortgage loan.

What the mortgage underwriter is looking for here is how much can you put down and secondly, how much will you have in reserves after the loan is made to help offset any financial emergencies in the future.

Do you have enough assets to put the money forth to qualify for the down payment that the particular program asks for. The only 100% financing or no money down loans still available in Kentucky for home buyers are available through USDA, VA, and KHC or Kentucky Housing Loans. Most other home buyers that dont qualify for the no money down home loans mentioned above, will turn to the FHA program. FHA loans currently requires a 3.5% down payment and Fannie Mae or Conventional loans require a 3% to 5% down payment. The more you put down, the better your rate and terms usually and your chances of qualifying.

Kentucky Home buyers that have access to putting down at least 5% or more, will usually turn to Fannie Mae or Freddie Mac mortgage programs so they can get better pricing when it comes to mortgage insurance.

These assets need to be validated through bank accounts, 401k or retirements account and sometimes gifts from relatives or employer.. Can you borrower the down payment? Sometimes. Generally if youre borrowing a secured loan against a secured asset you can use that. But rarely can cash be used as an asset. FHA will allow for gifts from relatives for down payments with little as 3.5% down but Fannie Mae will require a 20% down payment when a gift is being used for the down payment on the home.

The down payment scenarios listed above are for Kentucky Primary Residences only. There are stricter down payment requirements for investment homes made in Kentucky.

620 is the bottom score (again with few exceptions) that lenders will permit.Below a 620, then you have to look at doing a FHA loan or VA loan if you are a veteran. Even at 620, people consider you a higher risk that other folks and are going to penalize you or your borrower with a more expensive loan. 720 is when you really start to get in the as a lender we love you credit score. 740 is even better. Watch your credit scores carefully. You have three credit scores and the lender will take your middle score. For example lets say you have a 590 on Transunion, 679 on Experian, and a 618 on Equifax. Then your middle qualifying credit score will be 618 credits score.

If you absolutely cannot get your credit scores up to 620, then FHA will be a good option for you. FHA states that if your fico credit score is 580 or above they will allow for a 3.5% down payment, and if below 580, you will need 10% down payment.

There are a lot of mortgage lenders that will not go below 620, so keep that in mind when you are shopping for a mortgage lender, because they create credit overlays.

Kentucky FHA Mortgage Loans currently requires 3 years removal from a foreclosure or short sale and 2 years on a bankruptcy with good reestablished credit.

Kentucky Fannie Mae Mortgage Loans currently requires 4 years removal from a bankruptcy, and 7 years on a foreclosure.

Kentucky VA Mortgage Loans currently requires 2 years removal from a bankruptcy or foreclosure with good reestablished credit.

Kentucky USDA loans require 3 years removal from bankruptcy and foreclosure with good reestablished credit.

Generally, theres nothing you can do to affect this. Bottom line here is..is the value of the house at least the value of what youre paying for it? If not, then not good things start to happen. Generally youll find less issues with values on purchase transactions, because, in theory, the realtor has done an accurate job of valuing the house prior to taking the listing. The big issue comes in refinancing. In purchase transactions, the value is determined as the

Lower of the value or the contract price!!!

That means that if you buy a $1,000,000 home for $100,000, the value is established at $100,000. Conversely, if you buy a $200,000 home and the value comes in at $180,000 during the appraisal, then the value is established at $180,000. Big issues.Talk to your loan officer.

For each one of these boxes, there are over 1,000 things that can effect if a borrower has reached the threshold to complete that box. Soooooooooooo..talk to a great loan officer. There are so many loan officers that dont know what theyre doing. But, conversely, theres a lot of great ones as well. Your loan is so important! Get a great lender so that you know, for sure, that the loan you want, can be closed on!

Kentucky Home Buyers Program Summary below use to purchase their first home.

Closing costs will vary on which rate you choose and the lender. Typically the higher the rate, the lesser closing costs due to the lender giving you a lender credit back at closing for over par pricing. Also, called a no-closing costs option. You have to weigh the pros and cons to see if it makes sense to forgo the lower rate and lower monthly payment for the higher rate and less closing costs.Fico scores needed start at 620, but most conventional lenders will want a higher score to qualify for the 3-5% minimum down payment requirements Most buyers using this loan have high credit scores (over 720) and at least 5% down.The rates are a little higher compared to FHA, VA, or USDA loan but the mortgage insurance is not for life of loan and can be rolled off when you reach 80% equity position in home.Conventional loans require 4-7 years removed from Bankruptcy and foreclosure.Max Conventional loan limits are set at $424,00 for 2017 in Kentucky

If you meet income eligibility requirements and are looking to settle in a rural area, you might qualify for theKY USDA Rural Housing program. The program guarantees qualifying loans, reducing lenders risk and encouraging them to offer buyers 100% loans. That means Kentucky home buyers dont have to put any money down, and even the upfront fee (a closing cost for this type of loan) can be rolled into the financing.Fico scores usually wanted for this program center around 620 range, with most lenders wanting a 640 score so they can obtain an automated approval through GUS. GUS stands for the Guaranteed Underwriting system, and it will dictate your max loan pre-approval based on your income, credit scores, debt to income ratio and assets.They also allow for a manual underwrite, which states that the max house payment ratios are set at 29% and 41% respectively of your income.They loan requires no down payment, and the current mortgage insurance is 1% upfront, called a funding fee, and .35% annually for the monthly mi payment. Since they recently reduced their mi requirements, USDA is one of the best options out there for home buyers looking to buy in an rural area.A rural area typically will be any area outside the major cities of Louisville, Lexington, Paducah, Bowling Green, Richmond, Frankfort, and parts of Northern Kentucky .There is a map link below to see the qualifying areas.There is also a max household income limits with most cutoff starting at $76,000 for a family of four, and up to $98,000 for a family of five or more.USDA requires 3 years removed from bankruptcy and foreclosure.There is no max USDA loan limit.

FHA loans are good for home buyers with lower credit scores and no much down, or with down payment assistance grants. FHA will allow for grants, gifts, for their 3.5% minimum investment and will go down to a 580 credit score.The current mortgage insurance requirements are kinda steep when compared to USDA, VA , but the rates are usually good so it can counteracts the high mi premiums. As I tell borrowers, you will not have the loan for 30 years, so dont worry too much about the mi premiums.THe mi premiums are for life of loan like USDA.FHA requires 2 years removed from bankruptcy and 3 years removed from foreclosure.Maximum FHA loan limits in Kentucky are set around $285,000 and below.

VA loans are for veterans and active duty military personnel. The loan requires no down payment and no monthly mi premiums, saving you on the monthly payment. It does have an funding fee like USDA, but it is higher starting at 2% for first time use, and 3% for second time use. The funding fee is financed into the loan, so it is not something you have to pay upfront outof pocket.VA loans can be made anywhere, unlike the USDA restrictions, and there is no income household limit and the max loan is $417,000 in KentuckyMost VA lenders I work with will want a 580 credit score.VA requires 2 years removed from bankruptcy or foreclosure.

This type of loan is administered by KHC in the state of Kentucky. They typically have $4500 to $6000 down payment assistance year around, that is in the form of a second mortgage that you pay back over 10 years.Sometimes they will come to market with other down payment assistance and lower market rates to benefit lower income households with not a lot of money for down payment.KHC offers FHA, VA, USDA, and Conventional loans with their minimum credit scores being set at 620 for all programs. The conventional loan requirements at KHC requires 660 credit score.The max debt to income ratios are set at 40% an 45% respectively.

Kentucky First Time Home Buyer Common Questions and Answers:

What kind of credit score do I need to qualify for different first time home buyer loans in Kentucky?Most lenders will wants a middle credit score of 620 to 640 for KY First Time Home Buyers looking to go no money down. The two most used no money down home loans in Kentucky being USDA Rural Housing and KHC with their down payment assistance will want a 620 to 640 middle score on their programs.If you have access to 3.5% down payment, you can go FHA and secure a 30 year fixed rate mortgage with some lenders with a 580 credit score. Even though FHA on paper says they will go down to 500 credit score with at least 10% down payment, you will find it hard to get the loan approved because lenders will create overlays to protect their interest and maintain a good standing with FHA and HUD.Another popular no money down loan is VA. Most VA lenders will want a 620 middle credit score but like FHA, VA on paper says they will go down to a 500 score, but good luck finding a lender for that scenario.A lot of times if your scores are in the high 500s or low 600s range, we can do a rapid rescore and get your scores improved within 30 days.

Does it costs anything to get pre-approved for a mortgage loan?

Answer:Most lenders will not charge you a fee to get pre-approved, but some lenders may want you to pay for the credit report fee upfront. Typically costs for a tri-merge credit report for a single borrower runs about $50 or less. Maybe higher if more borrowers are included on the loan application.

How long does it take to get approved for a mortgage loan in Kentucky?Answer:Typically if you have all your income and asset documents together and submit to the lender, they typically can get you a pre-approval through the Automated Underwriting Systems within 24 hours. They will review credit, income and assets and run it through the different AUS (Automated Underwriting Systems) for the template for your loan pre-approval. Fannie Mae uses DU, or Desktop Underwriting, FHA and VA also use DU, and USDA uses a automated system called GUS. GUS stands for the Guaranteed Underwriting System.If you get an Automated Approval, loan officers will use this for your pre-approval. If you have a bad credit history, high debt to income ratios, or lack of down payment, the AUS will sometimes refer the loan to a manual underwrite, which could result in a longer turn time for your loan pre-approval answer

Are there any special programs in Kentucky that help with down payment or no money down loans for KY First Time Home Buyers?

Answer:There are some programs available to KY First Time Home Buyers that offer zero down financing: KHC, USDA, VA, Fannie Mae Home Possible and HomePath, HUD $100 down and City Grants are all available to Kentucky First Time Home buyers if you qualify for them. Ask your loan officer about these programs

When can I lock in my interest rate to protect it from going up when I buy my first home?

Answer:You typically can lock in your mortgage rate and protect it from going up once you have a home picked-out and under contract. You can usually lock in your mortgage rate for free for 90 days, and if you need more time, you can extend the lock in rate for a fee to the lender in case the home buying process is taking a longer time. The longer the term you lock the rate in the future, the higher the costs because the lender is taking a risk on rates in the future.Interest rates are kinda like gas prices, they change daily, and the general trend is that they have been going up since the Presidential election in November 2016.

How much money do I need to pay to close the loan?

Answer:Depending on which loan program you choose, the outlay to close the loan can vary. Typically you will need to budget for the following to buy a home: Good faith deposit, usually less than $500 which holds the home for you while you close the loan. You get this back at closing; Appraisal fee is required to be paid to lender before closing. Typical costs run around $400-$450 for an appraisal fee; home inspection fees. Even though the lenders programs dont require a home inspection, a lot of buyers do get one done. The costs for a home inspection runs around $300-$400. Lastly, termite report. They are very cheap, usually $50 or less, and VA requires one on their loan programs. FHA, KHC, USDAS, Fannie Mae does not require a termite report, but most borrowers get one done.There are also lender costs for title insurance, title exam, closing fee, and underwriting fees that will be incurred at closing too. You can negotiated the seller to pay for these fees in the contract, or sometimes the lender can pay for this with a lender credit.The lender has to issue a breakdown of the fees you will incur on your loan pre-approval.

How long is my pre-approval good for on a Kentucky Mortgage Loan?Answer:Most lenders will honor your loan pre-approval for 60 days. After that, they will have to re-run your credit report and ask for updated pay stubs, bank statements, to make sure your credit quality and income and assets has not changed from the initial loan pre-approval.

How much money do I have to make to qualify for a mortgage loan in Kentucky?

Answer:The general rule for most FHA, VA, KHC, USDA and Fannie MAe loans is that we run your loan application through the Automated Underwriting systems, and it will tell us your max loan qualifying ratios.There are two ratios that matter when you qualify for a mortgage loan. The front-end ratio, is the new house payment divided by your gross monthly income. The back-end ratio, is the new house payment added to your current monthly bills on the credit report, to include child support obligations and 401k loans.Car insurance, cell phone bills, utilities bills does not factor into your qualifying rations.If the loan gets a refer on the initial desktop underwriting findings, then most programs will default to a front end ratio of 31% and a back-end ratio of 43% for most government agency loans that get a refer. You then take the lowest payment to qualify based on the front-end and back-end ratio.So for example, lets say you make $3000 a month and you have $400 in monthly bills you pay on the credit report. What would be your maximum qualifying house payment for a new loan?Take the $3000 x .43%= $1290 maximum back-end ratio house payment. So take the $1290-$400= $890 max house payment you qualify for on the back-end ratio.Then take the $3000 x .31%=$930 maximum qualifying house payment on front-end ratio.So now your know! The max house payment you would qualify would be the $890, because it is the lowest payment of the two ratios.

We just moved here the first of January in 2017 from Ohio to the Louisville, KY area and we found Joels website online. He was quick to respond to us and got back the same day on our loan approval. He was very knowledgeable about the local market and kept us up-to date throughout the loan process and was a pleasure to meet at closing. Would recommend his services.

We were searching online for mortgage companies in Louisville, Ky locally to deal with and found Joels website, and it was a godsend. He was great to work with, and delivered on everything he said he would do. I ended up referring my co-worker at UPS, and she was very pleased with his service and rates too. Woulddefinitelyvouch for him. September 2016

We contacted Joel back in July 2011 to refinance our Mortgage and he was great to work with. We contacted several lenders locally and online, and most where taking almost 60 days to close a refinance, Joel got it done in 23 days start to finish,I would definetly recommmend him. He got us 3.75% with just $900 in closing costs on our FHA Streamline loan.

Joel is one of the best Mortgage Brokers I have ever worked with in my sixteen years in the real estate and mortgage business. May 25, 2010

Joel has always worked very hard to keep his word and to work out seasonable solutions to difficult problems. He is truly an expert in FHA and other type loans. September 1, 2010

I have worked with Joel since 1998. He is a great loan professional. I refer most of my Louisville, Kentucky area home buyers to him and he always take special care of them. August 23, 2012

Jon ClarKJoel Lobb is a real professional in the lending industry, with many years of experience, he is the one to go to for any mortgage lending needs. August 22, 2011

RICHARD VOLZ , Residential Sales , Remax Foursquare Realty

When looking to purchase our new home in 2006, I had the pleasure of meeting Joel Lobb. Not only was he personable and easy to reach, he was extremely knowledgable in his field and made sure to find us the best rate and a top notch mortgage company. We were able to complete the process in less than 3 weeks with his expertise. I find Joel to have the utmost high integrity and I recommend him to anyone who says they are need of mortgage assistance. He is also fantastic and keeping everyone up to date on the latest in the housing industry through his twitter posts. He provided great results for our family and we still communicate to this day! August 21, 2010

We first use Joel on our new home purchase in 2007 in St Matthews, Kentucky area and he was great to work with. We have since refinanced our home with him in 2010 when rates got really low and he has always delivered on what he says. I could not imagine using anyone else.

Melody GlasscockMarch 2014Absolutely Amazing!! I emailed Joel after I had just got a denial from a bank and just thought i would try to get some advice on what my next steps would be to get a house. I honestly didnt expect to even get a reply because my credit is not great. That was about a week and a half ago. I just signed a contract on a house last night. ONLY because of Joel Lobb. He even worked with us throughout the weekend, which shocked me. Best decision I have ever made. THANK YOU SO MUCH FOR WORKING WITH US THROUGHOUT THE ENTIRE PROCESS.

Contacted him about buying a home and he was great to work with. I was moving to Louisville Ky to take a new job and he walked me through the entire process. He explained to me all the different options for FHA, VA, USDA mortgage loans and credit score requirements versus Fannie Mae. Since I was a first time home buyer I needed alot of help and guidance. I would definitely recommend him. Fast to respond and available to answer questions that I or my realtor had after hours.

We moved from Michigan to Northern Kentucky area and we were really impressed. We got a USDA loan no money down and closed in less than 3.5 weeks. We shopped around online with other lenders but Joel was always first to respond and his rates were just a little better than other lenders. He kept us informed through the process along with our realtor and there was absolutely no surprises like we heard from other co-workers and friends that they experienced in their loan process. We have already referred another co-worker to Joel . Hes AWESOME!

I can answer your questions and usually get you pre-approved the same day.

Call or Text me at with your mortgage questions.

American Mortgage Solutions, Inc.10602 Timberwood Circle Suite 3Louisville, KY 40223Company ID 1364MB73346

The view and opinions stated on this website belong solely to the authors, and are intended for informational purposes only. The posted information does not guarantee approval, nor does it comprise full underwriting guidelines. This does not represent being part of a government agency. The views expressed on this post are mine and do not necessarily reflect the view of my employer. Not all products or services mentioned on this site may fit all people., NMLS ID 57916, (). I lend in the following states: Kentucky

Labels:First Time Home Buyer in Kentucky Zero DownFirst Time Home Buyer Louisville Kentucky MortgageKentucky Mortgage Rates FHA VA KHCKentucky Rural Development LoansKentucky VA Loan ApprovalUSDA loans

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I have helped over 589 Kentucky families buy or refinance their home over the last 18 years. Realizing that this is one of the biggest, most important financial transactions a family makes during their lifetime, I always feel honored and respected when I am chosen to originate their personal home loan. You can count on me to deliver on what I say, and I will always give you honest, up-front personal attention you deserve during the loan process.

I have several advantages over the large banks in town. First, I can search and negotiate for your loan options through several different mortgage companies across the country to get you the best deal locally, as opposed to banks that will offer you their one set of loan products. I work for you not the bank. I have access to over 10 different mortgage companies to broker your loan through to get you the best pricing and loan products that may not fit into the banks program due to credit, income, or other underwriting issues.

You will not get lost in the shuffle like most borrowers do at the mega banks; youre just not a number at our company, you are a person and we will treat you like one throughout the entire process.

Give us a try or let us compare your options on your next mortgage transaction. Call me locally at . Free Mortgage Pre-Qualifications same day on most applications.

I specialize in Kentucky FHA, VA ,USDA, KHC, Conventional and Jumbo mortgage loans. I am based out of Louisville Kentucky. For the first time buyer with little money down, we offer Kentucky Housing or KHC loans with down payment assistance.

We just moved here the first of January in 2017 from Ohio to the Louisville, KY area and we found Joels website online. He was quick to respond to us and got back the same day on our loan approval. He was very knowledgeable about the local market and kept us up-to date throughout the loan process and was a pleasure to meet at closing. Would recommend his services.

We were searching online for mortgage companies in Louisville, Ky locally to deal with and found Joels website, and it was a gods

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Long-term U.S. mortgage rates edged up slightly this week, reaching their highest levels since late June. Mortgage buyer Freddie Mac says the average…

June durable goods up solid 1 pct … manufacturers abide

Orders for US long-lasting goods rebound in June after 2 months of declines

Fuel weighs on American Airlines, but it tops forecasts

American Airlines is reporting that profits during the second quarter plunged more than 30 percent due in part to rising fuel costs, but it still…

Fuel weighs on American Airlines, but it tops forecasts

American Airlines profit plunged more than 30 percent due in part to rising fuel costs, but still topped expectations

Orders for US long-lasting goods rebound in June after 2 months of declines

Orders for US long-lasting goods rebound in June after 2 months of declines

Fuel weighs on American Airlines, but it tops forecasts

American Airlines profit plunged more than 30 percent due in part to rising fuel costs, but still topped expectations

The grocery chain Supervalu is being acquired by United Natural Foods in a deal valued at nearly $3 billion

The grocery chain Supervalu is being acquired by United Natural Foods in a deal valued at nearly $3 billion

When life gives you a lemon car, do this

Consumer Alert: Millions of Home Dehumidifiers Recalled

Mechanics Apparent Joy Ride in Customers Vehicle Caught on Dashcam

US-made pen company celebrates 50 years of journeying to space

Businesses find success with locally made products in Wisconsin

The US paint company behind Fenway Parks Green Monster