I specialize in Kentucky First Time Homebuyers FHA, VA, USDA & Rural Housing, KHC and Fannie Mae mortgage loans. I have helped over 1300 Kentucky families buy their first home or refinance their current mortgage for a lower payment; Kentucky First time buyers we still how available down payment assistance with KHC. Free Mortgage applications/ same day approvals. Web site is not endorsed by the FHA, VA, USDA govt agency. Text/call 502-905-3708 kentuckyloan@gmail.com NMLS 57916 NMLS 1738461
Takes less than 2 minutes. No obligation. Same-day follow-up.
Why Work With Me?
Local Expertise: I know the ins and outs of Kentucky’s housing market and loan programs.
Fast Approvals: I offer free mortgage applications with same-day approvals to keep the process moving quickly.
Customized Loan Solutions: Whether you’re buying a home or refinancing, I’ll find the right loan program to fit your needs.
Personalized Service: I treat every client like family, ensuring you’re supported and informed throughout the process.
About My Website
Visit my website for a wealth of resources tailored to Kentucky homebuyers. You’ll find:
Step-by-step guides for first-time homebuyers.
Information on loan programs like FHA, VA, USDA, and KHC.
Tools to help you calculate potential payments and affordability.
Blog posts with tips and updates on the Kentucky housing market.
A secure portal to start your loan application and upload documents.
Please Note: My website is not endorsed by the FHA, VA, USDA, or any government agency. It is an independent platform created to educate and assist homebuyers with expert advice and accessible tools.
A Kentucky FHA loan is a government-backed mortgage program insured by the Federal Housing Administration. It’s designed to help first-time homebuyers and borrowers with poor credit qualify for homeownership. These loans offer lower down payment options and more flexible credit and employment standards compared to conventional loans.
👉 Compare Kentucky FHA, VA, USDA, and KHC Loan Programs in Kentucky by clicking here
You can qualify for a Kentucky FHA loan with a credit score as low as 500.
| Credit Score | Minimum Down Payment |
|---|---|
| 580+ | 3.5% |
| 500–579 | 10% |
Keep in mind: many Kentucky FHA lenders may require a minimum score of 620. Always shop multiple lenders.
To qualify for an FHA loan in Kentucky, you typically need:
2-year work history in the same job or field-Does not have to be same job.
Proof of stable income (W-2s, pay stubs, tax returns)
Acceptable DTI ratio (ideally under 43%, up to 50% with strong compensating factors)
Job Gaps- If you have been laid off for more than 6 months in the last two years, start of application date, then you will need to be on your current job for 6 months. They are only looking at the last 2 year work history....They are looking for stability in your pay and income so you can make the house payment.
Self-employed borrowers need 2 years of tax returns showing consistent or growing income.
Gross Income is used to qualify for the mortgage loan, not net income, but some loans require a certain residual income to meet addition income approval requirements for income and dti.
Read more here at this link for Employment history and income guidelines for FHA loan approval
Lenders analyze how much of your income goes toward housing costs and total debt. Keeping your DTI in check increases your chances of approval.
Read more here at this link for Debt to Income Requirements for FHA loan approval
In 2025, the FHA loan limit in Kentucky is set at $524,225 for single-family homes in most counties. This limit may be higher in more expensive areas.
🔗 Check Kentucky FHA Loan Limits by County – HUD by clicking the here
FHA loans require that the home meet Minimum Property Standards (MPS):
Safe, structurally sound, and sanitary
No major plumbing, roof, or electrical issues
Must be owner-occupied (no investment properties)
Pass FHA appraisal, including checking for lead paint, safety hazards, and proper utility function
Read more here at this link about FHA Appraisal Requirements for a Kentucky FHA loan approval
Yes, you can still qualify for a Kentucky FHA loan after bankruptcy or foreclosure, but waiting periods apply:
🔗 HUD Mortgagee Handbook on Bankruptcy & Foreclosure
When looking for a Kentucky FHA lender, prioritize those who:
Work with low-credit borrowers
Offer KHC down payment assistance
Provide transparent loan estimates
Have strong local market experience
Applying before checking your credit report
Not getting pre-approved
Ignoring your DTI ratio
Making large purchases before closing
Choosing a lender unfamiliar with Kentucky FHA loans
Prepare these documents to fast-track your Kentucky FHA approval:
Government-issued ID
Social Security card
2 years of W-2s and tax returns
60 days of bank statements
30 days of pay stubs
If you're a first-time homebuyer in Kentucky with bad credit, an FHA loan may be your best opportunity to buy a home in 2025. With flexible criteria, down payment assistance, and support from experienced local lenders, you can secure financing even if your credit score is 500.
Take the next step toward homeownership by getting pre-approved today!
Why Work With Me?
Local Expertise: I know the ins and outs of Kentucky’s housing market and loan programs.
Fast Approvals: I offer free mortgage applications with same-day approvals to keep the process moving quickly.
Customized Loan Solutions: Whether you’re buying a home or refinancing, I’ll find the right loan program to fit your needs.
Personalized Service: I treat every client like family, ensuring you’re supported and informed throughout the process.
About My Website
Visit my website for a wealth of resources tailored to Kentucky homebuyers. You’ll find:
Step-by-step guides for first-time homebuyers.
Information on loan programs like FHA, VA, USDA, and KHC.
Tools to help you calculate potential payments and affordability.
Blog posts with tips and updates on the Kentucky housing market.
A secure portal to start your loan application and upload documents.
Please Note: My website is not endorsed by the FHA, VA, USDA, or any government agency. It is an independent platform created to educate and assist homebuyers with expert advice and accessible tools.
Everything Kentucky homebuyers need to know — updated for 2026 with the latest loan limits, credit score requirements, down payment assistance, and more.
FHA loans have been the go-to mortgage solution for Kentucky first-time homebuyers for decades — and in 2026, they remain one of the most flexible and accessible loan programs available across all 120 Kentucky counties. Whether you're buying your first home in Louisville, Lexington, Bowling Green, or a small rural community, this guide covers everything you need to know before you apply.
Effective January 1, 2026, FHA increased the baseline loan limit for a single-family home to $541,288 — up from $524,225 in 2025. That's an increase of approximately $17,000, giving Kentucky buyers more purchasing power. Kentucky uses the national floor limit across all 120 counties, with no high-cost county designations.
| Property Type | 2026 FHA Loan Limit (Kentucky) |
|---|---|
| Single-Family Home | $541,288 |
| 2-Unit (Duplex) | $693,000 |
| 3-Unit (Triplex) | $837,900 |
| 4-Unit (Fourplex) | $1,041,200 |
FHA's official written guidelines allow for credit scores as low as 500, but here's the real-world picture for Kentucky buyers:
| Credit Score Range | Down Payment Required | Real-World Reality |
|---|---|---|
| 500 – 579 | 10% | Very few lenders will approve at this range; options are extremely limited. |
| 580 – 619 | 3.5% | Technically qualifies; more lender options but still limited. Focus on getting to 620+. |
| 620+ | 3.5% | Sweet spot. Most Kentucky FHA lenders work at this level with the widest program access. |
One of the biggest advantages of an FHA loan is the low down payment:
On a $200,000 Kentucky home, 3.5% is just $7,000. Down payment funds may come from your own savings, a gift from a family member, or an approved down payment assistance program — all sources must be documented and verified.
For many Kentucky first-time homebuyers, the down payment is the biggest hurdle to homeownership. That's exactly what the Kentucky Housing Corporation (KHC) Down Payment Assistance Program (DAP) is designed to solve — and it's one of the most powerful tools available to buyers right now.
The KHC DAP is a second mortgage that works alongside your primary KHC first mortgage. It is not a grant — it is a repayable loan — but the terms are very favorable and make homeownership accessible to buyers who can afford a monthly payment but struggle with the upfront lump sum.
| KHC DAP Program | Max Assistance | Interest Rate | Loan Term |
|---|---|---|---|
| KHC Regular DAP | Up to $12,500 | 3.75% | 10 years |
Note: Program amounts and interest rates are subject to change. Contact me for the most current figures.
The 2026 Kentucky Welcome Home Grant is expected to open in Spring 2026 (historically around April) and provides up to $20,000 in forgivable grant funds. Unlike the KHC DAP, this is a true grant — no monthly payment required — but it comes with important differences:
| Factor | 🏠 KHC DAP | 🎁 Welcome Home Grant |
|---|---|---|
| Amount | Up to $12,500 | Up to $20,000 |
| Type | Repayable 2nd mortgage | Forgivable grant (5-yr retention) |
| Monthly Payment | ~$97 | None |
| Availability | Year-round | Limited — typically depleted quickly |
| Income Calculation | Borrower(s) income only | All household income counted |
| 2026 Opening | Available now | Expected ~April 2026 |
| Can Combine Both? | YES | |
Your DTI ratio compares your total monthly debt payments to your gross monthly income. For 2026 FHA loans in Kentucky:
You must wait 2 years from the discharge date before applying for an FHA mortgage. After the waiting period, you'll need to have re-established good credit and meet all other guidelines.
You may be eligible for an FHA loan after just 12 months of on-time payments into your Chapter 13 repayment plan — you don't need to wait for a full discharge. Requirements include written permission from the bankruptcy trustee, and your Chapter 13 monthly payment must be included in your DTI calculation.
FHA requires a 3-year waiting period after a foreclosure or short sale before you can obtain new FHA financing. Here's an important detail many people miss:
If the cumulative balance of collection accounts on your credit report is $2,000 or more, one of the following must happen before FHA approval:
This rule applies to all borrowers. Collection accounts of non-borrowing spouses in community property states must also be included in the $2,000 calculation. (Kentucky is not a community property state, so this typically won't apply to Kentucky buyers.)
Any delinquency with a federal government agency is a significant roadblock to FHA approval. All FHA applicants are run through the CAIVRS system (Credit Alert Verification Reporting System) administered by HUD, which flags anyone with a defaulted federal student loan, IRS tax lien, or other federal delinquency.
This is the most common federal delinquency issue I see with Kentucky buyers. If your federal student loans are in default, you must enter a 9-month loan rehabilitation repayment plan to clear the CAIVRS flag. The good news: the monthly payment can be as small as $5–$10/month. What matters is getting started. After completing the rehab period, the default flag is cleared and FHA financing becomes available again.
If you have an existing repayment agreement already in place with the IRS or your student loan servicer, we may be able to work with that arrangement and still get you approved depending on the lender. Call me to discuss your specific situation.
Paying child support does not disqualify you from an FHA loan. If child support appears as a deduction on your pay stubs, we simply factor that payment into your DTI calculation. If there is a delinquent child support judgment on your credit report, the underwriter will review the current agreement to verify your actual monthly obligation and payment status.
All FHA loans require mortgage insurance regardless of credit score or down payment size:
| MIP Type | Rate | How It's Paid |
|---|---|---|
| Upfront MIP (UFMIP) | 1.75% of loan amount | Typically rolled into the loan at closing |
| Annual MIP | ~0.55% per year (most borrowers) | Paid monthly; divided across 12 payments |
Kentucky is uniquely positioned because a large portion of the state — including many suburban and rural areas — qualifies for USDA Rural Housing loans. Here's a side-by-side comparison to help you decide which program fits your situation best:
| Factor | 🏠 FHA Loan | 🌾 USDA Rural Housing Loan |
|---|---|---|
| Down Payment | 3.5% (with 580+ score) | 0% — 100% financing |
| Credit Score | 580+ (most lenders want 620+) | Typically 640+ (varies by lender) |
| Location Requirement | Any location in Kentucky | Must be in a USDA-eligible rural area (large portions of KY qualify) |
| Income Limits | No income limits | Yes — household income limits apply (typically 115% of area median income) |
| Mortgage Insurance | Upfront MIP (1.75%) + monthly MIP (~0.55%/yr) | Upfront guarantee fee (1%) + annual fee (0.35%/yr) — lower than FHA |
| Bankruptcy Waiting Period | 2 years (Chapter 7) | 3 years (Chapter 7) |
| Foreclosure Waiting Period | 3 years | 3 years |
| Loan Limits | $541,288 (single-family) | No set maximum — based on income and DTI |
| Property Types | 1–4 unit homes, condos, manufactured | Single-family primary residences only |
| Best For | Buyers in cities/suburbs, lower credit scores, or prior bankruptcy/foreclosure | Buyers in rural/suburban areas with stable income who want zero down |
Choose FHA if you're buying in Louisville, Lexington, or another urban area; if your credit score is between 580–639; or if you've had a recent bankruptcy or foreclosure and are past the waiting period.
Choose USDA if you're buying in a rural or qualifying suburban area, you meet the income limits, your credit score is 640+, and you want to eliminate the down payment entirely. USDA also has lower monthly mortgage insurance than FHA, which can save you $50–$100+ per month over the life of the loan.
In some cases, both programs are available to the same buyer — and we'll compare them side by side so you can make the best decision for your family.
I've helped over 1,300 Kentucky families buy their first home or refinance over the past 20+ years. I offer free mortgage consultations and same-day pre-approvals — and I'll walk you through every step of the process with personalized attention.
🌐 www.mylouisvillekentuckymortgage.com
Disclaimer: This website is not endorsed by the FHA, VA, USDA, or any government agency. It is an independent platform created to educate and assist Kentucky homebuyers with expert advice and accessible tools. Loan limits, rates, program availability, and guidelines are subject to change without notice. All loans are subject to credit approval. Always verify current information with your licensed loan officer before applying. NMLS Consumer Access: www.nmlsconsumeraccess.org.
Why Work With Me?
Local Expertise: I know the ins and outs of Kentucky’s housing market and loan programs.
Fast Approvals: I offer free mortgage applications with same-day approvals to keep the process moving quickly.
Customized Loan Solutions: Whether you’re buying a home or refinancing, I’ll find the right loan program to fit your needs.
Personalized Service: I treat every client like family, ensuring you’re supported and informed throughout the process.
About My Website
Visit my website for a wealth of resources tailored to Kentucky homebuyers. You’ll find:
Step-by-step guides for first-time homebuyers.
Information on loan programs like FHA, VA, USDA, and KHC.
Tools to help you calculate potential payments and affordability.
Blog posts with tips and updates on the Kentucky housing market.
A secure portal to start your loan application and upload documents.
Please Note: My website is not endorsed by the FHA, VA, USDA, or any government agency. It is an independent platform created to educate and assist homebuyers with expert advice and accessible tools.
If you're trying to buy a home in Kentucky and the biggest obstacle is cash to close, Kentucky Housing Corporation (KHC) down payment assistance can be a practical solution. In 2026, KHC down payment assistance is structured as a repayable second mortgage that helps cover down payment, closing costs, and prepaid items — so qualified buyers aren't forced to delay homeownership simply because they haven't saved a large sum.
This guide covers the rules that matter most: the assistance amount, credit score overlays, income limits by county, purchase price limits, and the DTI cap you need to plan around before you write an offer.
Call or text Joel Lobb for a free, same-day pre-approval — no obligation, no cost.
📞 502-905-3708 | ✉️ [email protected]
Serving Kentucky first-time homebuyers for over 20 years · NMLS #57916
Kentucky Housing Corporation is Kentucky's state housing finance agency. KHC partners with approved lenders across the state to support affordable homeownership through specific first mortgage options and down payment assistance programs. KHC is not a bank — and you generally cannot add KHC down payment assistance later if your first mortgage is not a KHC first mortgage.
Practical takeaway: If you want KHC down payment assistance, structure the loan correctly from day one. KHC assistance is designed to be paired with a KHC first mortgage through a participating lender — like Joel Lobb.
The standard KHC option most buyers ask about is the Regular Down Payment Assistance Program (Regular DAP). Under 2026 program terms, Regular DAP is offered up to $12,500 (in $100 increments) and is set up as a repayable second mortgage with a 15-year term at a fixed interest rate published by KHC (rate subject to change — contact Joel for the current rate).
This is a significant update from older information still circulating online that references lower amounts or different repayment terms. Always confirm current terms with a participating KHC lender before shopping.
KHC down payment assistance is intended for purchase-related costs only. It can typically be applied to:
KHC down payment assistance cannot be used for:
If the house needs repairs, KHC down payment assistance is not a rehab solution. Repairs must be handled within the rules of the underlying mortgage program and purchase contract.
Not necessarily. Many buyers assume KHC is only for first-time buyers, but KHC eligibility can include repeat buyers depending on the program structure and funding source. The real deciding factors are household income limits, credit score overlays, the property itself, and the borrower's ability to qualify within the program's DTI cap.
KHC programs use purchase price limits. Current KHC published materials commonly reference a statewide purchase price limit around $544,232 for certain programs. Because purchase price limits can change, confirm the current limit with Joel before your contract is accepted to avoid surprises.
This is one of the most common reasons a buyer is surprised late in the process. KHC uses a gross annual income limit per county — this applies to all applicants and is not split by household size. Importantly, KHC evaluates household income, not just the income used to qualify on the loan application. If someone living in the home earns income, it typically counts.
KHC uses a single gross annual income limit per county — this applies to all applicants regardless of household size. The figures below are from the official KHC Secondary Market income limit schedule, effective June 23, 2025.
| County | Gross Annual Income Limit |
|---|---|
| Anderson | $162,400 |
| Boone | $195,650 |
| Bourbon | $179,200 |
| Bracken | $195,650 |
| Bullitt | $169,050 |
| Campbell | $195,650 |
| Christian (Hopkinsville) | $153,475 |
| Clark | $179,200 |
| Daviess (Owensboro) | $150,850 |
| Fayette (Lexington) | $179,200 |
| Franklin (Frankfort) | $161,000 |
| Gallatin | $195,650 |
| Hancock | $148,925 |
| Harrison | $148,225 |
| Henry | $169,050 |
| Jefferson (Louisville) | $169,050 |
| Jessamine | $179,200 |
| Kenton | $195,650 |
| Lyon | $156,275 |
| Madison (Richmond) | $154,700 |
| McCracken (Paducah) | $157,850 |
| McLean | $150,850 |
| Meade | $151,900 |
| Mercer | $159,075 |
| Nelson | $153,125 |
| Oldham | $169,050 |
| Pendleton | $195,650 |
| Scott | $179,200 |
| Shelby | $185,150 |
| Spencer | $169,050 |
| Trigg | $153,475 |
| Washington | $155,750 |
| Woodford | $179,200 |
| All other Kentucky counties | $147,350 |
⚠️ Source: KHC Secondary Market Gross Annual Applicant's Income Limitations, effective June 23, 2025. Purchase price limit: $544,232. KHC updates these limits periodically — always confirm the current figure for your county before writing an offer. Contact Joel at 502-905-3708 for the latest information.
Not sure if your household income qualifies? Call or text Joel Lobb at 502-905-3708 — he'll run a quick eligibility check at no cost before you start shopping.
KHC applies credit score overlays on top of the underlying mortgage program:
One important point: each borrower on the loan must meet the minimum score requirement. Adding a co-borrower with insufficient credit can create an issue even when automated underwriting results appear favorable.
KHC caps the maximum debt-to-income ratio at 50%. This matters because even if automated underwriting might allow a higher ratio in certain scenarios, the KHC cap can still be the limiting factor. If your buyer is close to the edge on qualifying, structure the purchase price and payment with the KHC DTI cap in mind from the start to avoid contract fallout late in the process.
KHC down payment assistance must be paired with a KHC first mortgage. The underlying first mortgage is typically one of the following:
The best fit depends on your credit, household income, property location (especially for USDA), and long-term payment tolerance. Joel will walk you through which option saves you the most money over time.
Joel Lobb has helped over 1,300 Kentucky families buy or refinance their home. With same-day approvals and 20+ years of experience, he knows exactly how to structure your KHC loan for a smooth closing.
Most KHC purchase transactions fall into a 30–45 day closing window when documentation is clean and the file is structured correctly upfront. The biggest risk is documentation and eligibility verification. The cleanest closings happen when income, household income limits, and DTI planning are reviewed before the contract clock starts — which is exactly what Joel does on the front end.
KHC down payment assistance in 2026 is a strong strategy for Kentucky buyers who are cash-limited but otherwise qualify. The rules are not complicated, but they are strict where it counts: household income limits, minimum credit overlays, a 50% DTI cap, and purchase price limits.
If you want to use KHC to reduce upfront cash, the best next step is a quick eligibility review with Joel. Once the file passes the program guardrails, you can shop confidently and structure your offer with realistic terms.
KHC down payment assistance in 2026 is typically a repayable second mortgage (Regular DAP) that helps cover down payment, closing costs, and prepaid items when paired with a KHC first mortgage through a participating lender.
Regular DAP is up to $12,500 in $100 increments, repayable over 15 years at a fixed rate published by KHC. Contact Joel for the current rate.
620 minimum for FHA/VA/RHS/USDA and 660 minimum for conventional. Each borrower on the loan must meet the minimum score requirement.
KHC caps DTI at 50%. Even if automated underwriting might approve higher in some cases, the KHC cap controls the file.
Yes. KHC uses gross household income limits that vary by county and household size. Check the table above for your county, and call Joel to verify the current figures before writing an offer.
No. KHC assistance is for down payment, closing costs, and prepaids — not repairs, renovations, or personal items.
No. KHC down payment assistance is only available when paired with a KHC first mortgage through a participating lender.
Yes. Regular DAP is a second mortgage repaid over 15 years, not a grant. Your monthly payment will include the first mortgage plus the DAP repayment. Joel can show you exactly what your total payment would look like.
Apply online or call Joel today. Free mortgage application · Same-day approvals · No obligation.
📞 502-905-3708 | ✉️ [email protected]
Joel Lobb · Mortgage Loan Officer · NMLS #57916 · Company NMLS #1738461
Kentucky Mortgage License Only | Equal Housing Lender
Disclosure: This content is for educational purposes only and is not a commitment to lend. Program guidelines, income limits, rates, and purchase price limits are subject to change without notice. Eligibility is subject to credit approval and program requirements. Income limits shown in the table above are approximate and provided for illustrative purposes — always verify current limits with a KHC-approved lender before contract acceptance. This website is not endorsed by the FHA, VA, USDA, KHC, or any government agency.
Joel Lobb · NMLS Personal ID: #57916 · Company NMLS ID: #1738461 · www.nmlsconsumeraccess.org · Equal Housing Lender
Why Work With Me?
Local Expertise: I know the ins and outs of Kentucky’s housing market and loan programs.
Fast Approvals: I offer free mortgage applications with same-day approvals to keep the process moving quickly.
Customized Loan Solutions: Whether you’re buying a home or refinancing, I’ll find the right loan program to fit your needs.
Personalized Service: I treat every client like family, ensuring you’re supported and informed throughout the process.
About My Website
Visit my website for a wealth of resources tailored to Kentucky homebuyers. You’ll find:
Step-by-step guides for first-time homebuyers.
Information on loan programs like FHA, VA, USDA, and KHC.
Tools to help you calculate potential payments and affordability.
Blog posts with tips and updates on the Kentucky housing market.
A secure portal to start your loan application and upload documents.
Please Note: My website is not endorsed by the FHA, VA, USDA, or any government agency. It is an independent platform created to educate and assist homebuyers with expert advice and accessible tools.
If you are a first-time homebuyer in Kentucky, it's essential to have current information about loan programs. The same applies if you plan to refinance this year. The details in your mortgage quote can significantly impact your monthly payment. They can also affect your long-term costs. This is especially true since loan program fees and guidelines change annually.
We’ve updated our Kentucky Loan Comparison Chart . It reflects the latest program updates from FHA, VA, USDA, and Fannie Mae Conventional loans.
This quick visual guide helps Kentucky buyers easily compare down payment requirements, credit score guidelines, and monthly fees. This comparison makes it easier to choose the mortgage that fits your budget and goals.
Old FHA MIP: 0.85%
New FHA MIP: 0.55%
FHA Mortgage Insurance Premium (MIP) has been reduced from 0.85% to 0.55%. That’s a major savings for buyers using low-down-payment FHA financing.
This change can lower your monthly mortgage payment and make homeownership even more affordable for first-time buyers with moderate credit.
The USDA Rural Development Loan remains one of the best options. It offers 100% financing in eligible rural and suburban areas across Kentucky.
USDA Annual Fee: 0.35%
(based on the remaining principal balance, paid monthly)
Old VA Funding Fee: 0–3.6%
New VA Funding Fee Range: 0.5–3.3%
The VA Home Loan continues to be one of the most powerful benefits available to Kentucky veterans and active-duty service members. For 2025, the VA funding fee has been slightly reduced. The reduction depends on your service type, loan type, and down payment amount.
And remember — veterans with service-connected disabilities or surviving spouses are exempt from the VA funding fee entirely.
While Conventional loans still have flexible guidelines and competitive rates, buyers should note this. Private Mortgage Insurance (PMI) costs vary based on credit. They also vary based on down payment.
Updated PMI Range: 0.2%–2% annually
This range gives you room to negotiate closing costs and minimize cash-to-close — a key advantage in today’s competitive market.
Each year, loan program fees change. Funding rates are also adjusted. Guidelines vary as well. The year 2025 brings meaningful updates that can directly affect your monthly affordability.
Whether you’re choosing between FHA, VA, USDA, or Conventional, understanding these differences helps you:
If you’re exploring FHA, VA, USDA, or KHC loans in Kentucky, I can help you. You can compare your options side-by-side. It's just like the infographic above.
As a licensed Kentucky Mortgage Loan Officer (NMLS #57916), I have over 20 years of experience. I’ve helped more than 1,300 Kentucky families buy or refinance homes. I always use the best loan programs available.
Call/Text - 502-905-3708
www.
911 Barret Ave., Louisville, KY 40204
Evo Mortgage
Company NMLS# 1738461
Personal NMLS# 57916
Kentucky Mortgage Loan Expert For Kentucky FHA, VA, USDA, Fannie Mae and KHC Down payment Assistance Loans
Why Work With Me?
Local Expertise: I know the ins and outs of Kentucky’s housing market and loan programs.
Fast Approvals: I offer free mortgage applications with same-day approvals to keep the process moving quickly.
Customized Loan Solutions: Whether you’re buying a home or refinancing, I’ll find the right loan program to fit your needs.
Personalized Service: I treat every client like family, ensuring you’re supported and informed throughout the process.
About My Website
Visit my website for a wealth of resources tailored to Kentucky homebuyers. You’ll find:
Step-by-step guides for first-time homebuyers.
Information on loan programs like FHA, VA, USDA, and KHC.
Tools to help you calculate potential payments and affordability.
Blog posts with tips and updates on the Kentucky housing market.
A secure portal to start your loan application and upload documents.
Please Note: My website is not endorsed by the FHA, VA, USDA, or any government agency. It is an independent platform created to educate and assist homebuyers with expert advice and accessible tools.
