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Start My Pre-Approval →📞 Call / Text 502-905-3708
★★★★★ 80+ Five-Star Google Reviews · Same-Day Pre-Approvals · 1,300+ Kentucky Families Helped · All 120 Counties
Every Kentucky Loan Type. One Local Expert.
Whether you’re buying your first home, using down payment assistance, or rebuilding credit — there’s a program that fits. Compare them side by side before you commit.

🏠 FHA Loan

The go-to for first-time buyers and 580+ credit. Low down payment and flexible guidelines.

3.5% down · 580+ creditLearn More →

🎖 VA Loan

Zero down and no monthly mortgage insurance for veterans and active-duty service members.

$0 down · VA eligibleLearn More →

🌾 USDA Loan

100% financing for eligible rural and suburban Kentucky buyers within income limits.

$0 down · USDA areasLearn More →

🏛 KHC Assistance

Kentucky Housing down payment assistance for first-time and repeat buyers.

Up to $12,500 assistanceLearn More →

📈 Conventional

Best long-term value for stronger credit. PMI cancels at 20% equity, unlike FHA.

3% down · 620+ creditLearn More →

💰 Zero Down Options

Every route to buying with nothing down in Kentucky — VA, USDA, and KHC combos.

$0 down programsLearn More →

🌟 First-Time Buyers

All Kentucky first-time homebuyer programs compared in plain English.

Programs & grantsLearn More →

📊 Credit Scores

What score you actually need for each loan type in 2026 — and how to raise yours.

By loan programLearn More →

How to Get Approved for a Mortgage Loan in Kentucky (2026 Guide)

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How to Get Approved for a Mortgage Loan in Kentucky (2026 Guide) Thank you for visiting. I hope you find this website both informative and empowering as you explore your Kentucky mortgage options. My goal is simple: help you understand what mortgage underwriters actually review, help you avoid preventable approval issues, and help you choose the right loan program for your situation. I specialize in assisting Kentucky first-time homebuyers with FHA, VA, USDA Rural Housing, KHC down payment assistance , and Fannie Mae conventional mortgage loans . I proudly serve all 120 counties in Kentucky. FHA Loans in Kentucky VA Loans in Kentucky USDA Rural Housing Loans in Kentucky Fannie Mae Conventional Loans KHC Down Payment Assistance Programs With over 20 years of lending experience, I've had the privilege of helping more than 1,300 Kentucky families buy a home or refinance their current mortgage. Whether you are a first-time buyer, a veteran, a USDA buyer, a credi...
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Getting a Kentucky Mortgage in 3 Simple Steps
No confusing paperwork trails. No surprise fees. A clear path from first call to keys in hand.
01

💬 Get Pre-Qualified

Free application review with same-day answers. We look at your credit, income, and goals — no cost, no obligation, no pressure.

02

📋 Compare Your Options

FHA vs. Conventional vs. USDA vs. KHC — run side by side with your actual numbers so you see the real payment before you commit.

03

🏠 Close & Get Your Keys

Guided from contract to closing — appraisal, title, and underwriting coordinated so you always know what happens next.

Watch: Kentucky Mortgage Guides
Straight answers from my YouTube channel — no jargon, no sales pitch.
▶ More videos on my YouTube channel →
Joel Lobb and family - Kentucky mortgage loan officer
Kentucky Local. Not a Call Center.

Hi, I’m Joel Lobb — a Kentucky dad who’s spent 20+ years helping families across all 120 counties buy their first home. When you call, you get me — not a phone tree. Questions on a Saturday morning? I answer.

1,300+ Kentucky families have trusted me with their mortgage — from Louisville to Lexington to the smallest towns in the state. Free application reviews, same-day pre-approvals, and honest answers about what you actually qualify for.

See What You Qualify For →

Kentucky Shared Appreciation Mortgage (SAM): Official KHC Guidelines for First-Time Homebuyers

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Updated July 16, 2026. Kentucky Housing Corporation has released SAM program guidelines, the lender matrix, and program FAQ ahead of launch. The full program guide is housed in KHC's AllRegs, which is the controlling source. Guidelines, rates, and fees are subject to change without notice. Buying a home in Kentucky has gotten harder. Prices, closing costs, rates, and mortgage insurance all push the monthly payment out of reach for buyers who could otherwise handle homeownership just fine. Kentucky Housing Corporation's Shared Appreciation Mortgage — SAM — is built for a specific slice of those buyers: first-time homebuyers purchasing a newly constructed home in Kentucky. KHC describes SAM as a zero-interest, deferred-payment second mortgage designed to close the affordability gap. It provides up to 25% of the purchase price as a zero-interest, deferred-payment second mortgage. It is also unlike any down payment assistance Kentucky buyers have used before, because...
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How to Qualify For a Kentucky FHA Mortgage Loan

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Kentucky FHA Loan Requirements 2026: How to Qualify for an FHA Mortgage Loan in Kentucky If you are buying a home in Kentucky and want a low down payment mortgage, an FHA loan may be one of the best financing options to review. FHA loans are popular with Kentucky first-time home buyers because they allow a lower down payment, flexible credit guidelines, gift funds, seller-paid closing costs, and possible down payment assistance. 📞 Call or Text 502-905-3708 ✉ Email Joel Table of Contents What Is an FHA Loan? 2026 FHA Loan Limits in Kentucky Basic Kentucky FHA Loan Requirements FHA Credit Score Requirements FHA Down Payment Requirements FHA and KHC Down Payment Assistance Debt-to-Income Ratio Requirements FHA Mortgage Insurance FHA vs. Conventional Loans FHA Property Requirements Seller-Paid Closing Costs Documents Needed for FHA Pre-App...
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