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 →

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.

💬 Get Pre-Qualified

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

📋 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.

🏠 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 →

Extraordinary Benefits Offered Louisville Kentucky FHA Streamline Refinance

- June 18, 2012

Extraordinary Benefits Offered With Louisville Kentucky FHA Streamline Refinance

By: Rosemary Rugnetta

Now that the FHA Streamline Refinance is available for existing borrowers, FHA refinance applications are expected to soar. This FHA no cash out refi is a quick and easy process that will result in obtaining the current low FHA mortgage rates. It is estimated that millions of existing FHA borrowers will be able to take advantage of this opportunity which purpose is to provide a significant amount of savings each month through the extreme reduction of both the upfront mortgage insurance premium and the annual mortgage insurance premium. In order to be eligible for the FHA streamline refinance with no cash out, the borrower must hold a current FHA insured mortgage that was endorsed prior to June 1, 2009.

With today’s economy, the FHA streamline refinance offers borrowers one of the most sought after benefits not readily available for mortgages, debt to income ratios are not required. FHA borrowers who may not have the ability to qualify for a typical refinance can do so with much less credit documentation. Those who have a good mortgage payment history which is required, but late payments on other credit accounts, can still qualify for the FHA streamline refinance. Borrowers who have suffered an employment layoff or reduction in pay can also qualify for the FHA streamline refinance. Credit qualifying is not required as long as the long to value does not exceed 97.75% and the CLTV does not exceed 125%. Lenders even have premium pricing that can be used to cover the borrower’s closing costs if cash is not available for closing.

The FHA streamline refinance with no cash out does not require an appraisal for loan to value calculations. With this type of transaction, the LTV/CLTV will be taken from the current value that is shown through the FHA portal. This FHA refinance product, that has been available since the 1980′s, is truly a streamline refinance in every way. In order to find out if qualified for this program with reduced FHA insurance premiums, borrowers can submit an online inquiry right here without the need for extensive personal information or social security number. Borrowers who use this method can expect a response within minutes of their online submission.

FreeRateUpdate.com surveys more than two dozen wholesale and direct lenders’ rate sheets to determine the most accurate mortgage rates available to well qualified consumers at a standard 0.7 to 1% point origination fee.