Direct Lender - Branch Partner Network

Licensing Requirements

Disclosure Requirements

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Kentucky Summary

Licensing Requirements

Not Currently Licensed....Coming Soon.

Disclosure Requirements

Initial Disclosures

Kentucky Consumer Caution Notice to Borrower

Kentucky Notice of Free Choice of Agent and Insurer

Final Disclosures

Coming Soon

High Cost Laws*

	Points and Fees	APR
1st	8%	8 + Treasury Yield Index
2nd	8%	10 + Treasury Yield Index
HELOC	N/A	N/A

*Principal dwelling with loan amount under $200,000 excluding HELOCs

Pre-Payment Penalty

Max 5 years and/or not to exceed the fixed rate term of ARMs.

Fee Restrictions

Permitted Fees

Coming Soon

Prohibited Fees

Coming Soon

Late Charge Fees

Coming Soon

Closing Details

Funding Settlement

Wet State

Borrower Signing Requirements

Kentucky is not a community property state.

Closing Customs

Coming Soon

Real Estate Taxes

Taxes are due annualy on October 1st.
Taxes are delinquent on October 31st.

Advertising Details

Advertising Record Retention

Coming Soon

Advertising Representation

Coming Soon

Telemarketing

Comings Soon

Disclaimer:
This information is tailored for DirectLender. It is deemed reliable but not guaranteed. It is not intended as legal advice, and should not be relied upon as such. The laws, policies, and references cited change periodically.