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 →

Kentucky Homebuyers in 2026: Increased Loan Limits for Conventional and FHA Mortgages

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The Federal Housing Finance Agency (FHFA) has announced higher conforming loan limits for 2026, and the news is good for Kentucky homebuyers: the baseline conventional loan limit jumps to $832,750 for a single-family home — an increase of $26,250 (3.26%) over the 2025 limit of $806,500. FHA loan limits are rising right along with it, with the new FHA floor set at $541,287 for every county in Kentucky. Since no Kentucky county is designated a high-cost area, these baseline limits apply statewide — from Louisville and Lexington to every rural county in between. That means more borrowing power for Kentucky buyers without crossing into jumbo loan territory. New 2026 Loan Limits in Kentucky for Conventional and FHA Mortgage Loans Property Type Conventional Loan Limit (FHFA) FHA Loan Limit 1-Unit $832,750 $541,287 2-Unit $1,066,250 $693,050 3-Unit $1,288,800 $837,700 4-Unit $1,601,750 $1,041,125 Source: FHFA conforming loan limit announcement for 2026 and HUD FHA loan limits...
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.
01

💬 Get Pre-Qualified

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

02

📋 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.

03

🏠 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.
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▶ 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 FHA Single Unit Condo Approvals

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Kentucky FHA Single Unit Condo Approvals

Effective October 15th, the new Kentucky FHA Single Unit Condo Approval process will be going into effect. This process will allow individual FHA condo loans to close without the project going through the full condo approval process. A Kentucky  FHA Single Unit Condo Approval must be requested concurrently with a Case Number Request as follows


The full FHA process and requirements can be found in the 4000.1 Handbook and Mortgagee Letter 2019-13, but a couple key points are
  • FHA will only allow single-unit approvals for up to 10% of the units in a project (or up to 2 units for projects of 10 units or less). Once this amount is filled, the condo will need to go through the full approval process before more FHA loans can be closed within it.
  • If a condo already has at least 1 phase fully FHA approved, then units in any other phase are not eligible for single unit approval. They will need to submit to add additional phases to the current FHA approval.
  • Single unit approval loans that require a manual underwrite are capped at 90% maximum LTV/CLTV (no LTV/CLTV cap for DU Approve/Eligible loans).
  • Projects with less than 5 units are not eligible for single unit approval.
  • The unit is approved must either have been previously occupied or the Certificate of Occupancy must have been issued for at least one year. Newly built condo units are not eligible for single unit approvals.




New FHA Single Unit Approval (SUA) Expansion



Project Eligibility*

· At least five units

· 10 or more units, up to 10% may be FHA-insured
· Less than 10 units, up to two FHA-Insured units
· At least 50% owner-occupancy
· Maximum of 35% commercial space
· Maximum 10% individual ownership
· Has a Certificate of Occupancy that was issued at least one year ago or has been occupied
· Manufactured homes, gut rehab or new construction is not eligible
· Budgets require 10% reserve or amount supported by reserve study
· Applications must receive an Accept from TOTAL Mortgage Scorecard or have a maximum 90% LTV for an Accept Risk Classification requiring a downgrade to Manual
Underwriting.
*Additional eligibility requirements apply





Joel Lobb
Mortgage Loan Officer
Individual NMLS ID #57916


American Mortgage Solutions, Inc.
10602 Timberwood Circle

Louisville, KY 40223
Company NMLS ID #1364


click here for directions to our office

Text/call: 502-905-3708
fax: 502-327-9119
email: kentuckyloan@gmail.com


https://www.mylouisvillekentuckymortgage.com/






MORE INFO BELOW IN ARTICLE FROM YAHOO ABOUT NEW FHA FINANCING GUIDELINES


https://finance.yahoo.com/news/want-to-buy-condo-financing-just-got-easier-200405221.html





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