Future Homebuyers > KHC Refinance Products

To qualify for a KHC refinancing option, you must contact an approved lender and meet the requirements below:

FHA Streamline Non-Credit Qualifying and Credit Qualifying Refinance​

  • 620 minimum credit score.
  • No appraisal required.
  • Maximum LTV 97.75 percent (No maximum CLTV).
  • 30-year term.
  • FHA existing loan.

FHA Simple Refinance

  • 620 minimum credit score.
  • Appraisal required.
  • Maximum LTV/CLTV 97.75 percent (97.75 percent CLTV).
  • 30-year term.
  • FHA existing loan.

FHA Rate/Term Refinance

  • 620 minimum credit score.
  • Appraisal required.
  • Maximum LTV/CLTV 97.75 percent (97.75 percent CLTV).
  • 30-year term.
  • Conventional, RHS, VA, or FHA existing loans.

RHS Streamlined-Assist Refinance Program

  • 620 minimum credit score
  • No appraisal required
  • Must have made timely mortgage payments for the last 12 months
  • 30-year term
  • RHS existing 502 guaranteed loan

VA IRRRL

  • 620 minimum credit score
  • No appraisal required
  • 30-year term
  • VA existing loan​

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© Kentucky Housing Corporation
For more information, please contact:

Kentucky Housing Corporation
1231 Louisville Road, Frankfort, KY 40601
502-564-7630; 800-633-8896 (KY only); TTY 711
Equal Housing Provider