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 →

New Kentucky FHA Mortgage insurance Chart for 2015 with Changes effective Jan 26, 2015

- August 22, 2015

New FHA MIP Chart for Kentucky FHA loans for refinances and purchase loans effective January 26,2015

Loan Purpose	Up-Front MI Premium	Endorsement Date of Current FHA-insured Mortgage
Purchase, Rate/Term Non-Streamline Refinance, Cash Out Refinance	1.75%	N/A
Streamline Refinance	1.75%	Endorsed on or after 06/01/2009
Streamline Refinance	0.01%	Endorsed prior to 06/01/2009

For Loan Terms > 15 years
Loan Purpose	Base Loan Amount	LTV	Case Number Assigned on or After01/26/2015	Case Number Assigned6/03/2013–01/25/2015
Purchase, Rate/Term, Cash-Out, or Streamline Refinance Endorsed on or after 06/01/2009	<=$625,500	<=95%	.80	1.30
	<=$625,500	>95%	.85	1.35
	> $625,500	<=95%	1.00	1.50
	> $625,500	>95%	1.05	1.50
FHA Streamline endorsed prior to 06/01/2009	All Loan Amounts	All LTVs	0.55

For Loan Terms <=15 Years
Loan Purpose	Base Loan Amount	LTV	Case Number Assigned on and after 6/03/2013
Purchase, Rate/Term, Cash-Out, or Streamline Refinance Endorsed on or after 06/01/2009	<=$625,500	<=90%	0.45
	<=$625,500	>90%	0.70
	> $625,500	<=90%	0.70
	> $625,500	>90%	0.95
FHA Streamline endorsed prior to 06/01/2009	All Loan Amounts	All LTVs	0.55

The length of time on which you'll pay mortgage insurance premiums on your FHA loan is as follows:

Mortgage Term	Loan to Value Ratio	Length of Mortgage Premium
15 years or shorter	Up to 90%	11 years
15 years or shorter	Greater than 90%	Full loan term
Greater than 15 years	Up to 90%	11 years
Greater than 15 years	Greater than 90%	Full loan term

Source: HUD.gov.

Fill out my form!

Search This Blog

Kentucky Mortgage Lender