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 →

Kentucky USDA Mortgage Loans get Drastically Lowering Costs for Buyers

- April 29, 2016

Kentucky USDA Mortgage Loans get Drastically Lowering Costs for Buyers

USDA has announced that effective their Fiscal Year 2017 which starts October 1, 2016, that the USDA funding fee is lowering from 2.75% to only 1% for all Kentucky-backed USDA Rural Housing Mortgage loans! Plus the annual fee which is figured into the payment kind of like PMI is lowering from .50% to .35%!

Here's an example of the savings: The current funding fee on a $100,000 purchase would be about $2,50 financed on top of the loan but 1% would make it just a little over $1,000. That is a great savings, then there will be an additional lower payment because of the lower annual fee. For example on the monthly payment savings you are now looking at about an $14 monthly difference in your monthly payment.

Not only buyers looking for a no money down purchase at a great fixed rate can take advantage of this but also borrowers with a current USDA loan can use these features to refinance to a new USDA loan even with no appraisal.

Call us for questions/scenarios you have and approving buyers up-front or if you have an issue on a borrower.