Kentucky Mortgage Rates and Home Loan Options
Kentucky First-Time Homebuyer Expert
Every Kentucky loan program, reviewed by one licensed local broker. Free application review, same-day answers.
Loan Programs — Tap One To Explore
Joel Lobb NMLS #57916 · EVO Mortgage · Louisville, KY Company NMLS #1738461
★★★★★ 90+ Five-Star Google Reviews · Same-day pre-approvals · 1,300+ Kentucky families helped · All 120 counties
The go-to for first-time buyers and 580+ credit. Low down payment and flexible guidelines.
3.5% down · 580+ creditLearn More →Zero down and no monthly mortgage insurance for veterans and active-duty service members.
$0 down · VA eligibleLearn More →100% financing for eligible rural and suburban Kentucky buyers within income limits.
$0 down · USDA areasLearn More →Kentucky Housing down payment assistance for first-time and repeat buyers.
Up to $12,500 assistanceLearn More →Best long-term value for stronger credit. PMI cancels at 20% equity, unlike FHA.
3% down · 620+ creditLearn More →Every route to buying with nothing down in Kentucky — VA, USDA, and KHC combos.
$0 down programsLearn More →All Kentucky first-time homebuyer programs compared in plain English.
Programs & grantsLearn More →What score you actually need for each loan type in 2026 — and how to raise yours.
By loan programLearn More →
Free application review with same-day answers. We look at your credit, income, and goals — no cost, no obligation, no pressure.
FHA vs. Conventional vs. USDA vs. KHC — run side by side with your actual numbers so you see the real payment before you commit.
Guided from contract to closing — appraisal, title, and underwriting coordinated so you always know what happens next.

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 →
| |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
|
The view and opinions stated on this website belong solely to the authors, and are intended for informational purposes only. The posted information does not guarantee approval, nor does it comprise full underwriting guidelines. This does not represent being part of a government agency. The views expressed on this post are mine and do not necessarily reflect the views of my employer. Not all products or services mentioned on this site may fit all people |