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.
How to Get Approved for a Mortgage Loan in Kentucky Thank you for visiting. I hope you find this website both informative and empowering as you explore your Kentucky mortgage options. My goal is simple: help you understand what mortgage underwriters actually review, help you avoid preventable approval issues, and help you choose the right loan program for your situation. I specialize in assisting Kentucky first-time homebuyers with FHA, VA, USDA Rural Housing, KHC down payment assistance , and Fannie Mae conventional mortgage loans . I proudly serve all 120 counties in Kentucky. FHA Loans in Kentucky VA Loans in Kentucky USDA Rural Housing Loans in Kentucky Fannie Mae Conventional Loans KHC Down Payment Assistance Programs With over 20 years of lending experience, I've had the privilege of helping more than 1,300 Kentucky families buy a home or refinance their current mortgage. Whether you are a first-time buyer, a veteran, a USDA buyer, a credit-challenged ...
Get link
Facebook
X
Pinterest
Email
Other Apps
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.
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.
Inspecting and Testing Requirements for a Kentucky FHA, VA, Conventional and USDA Mortgage loan.
Get link
Facebook
X
Pinterest
Email
Other Apps
-
Loan Inspection Checker
Select a loan type above to view inspection requirements.
Kentucky Well, Septic, Water, and Termite Requirements for FHA, VA, USDA, and Conventional Loans
When you're buying a home in Kentucky with a well or septic system, the lending requirements can vary dramatically depending on whether you're using Conventional, FHA, USDA, or VA financing. As a result, borrowers and Realtors routinely get blindsided during underwriting – especially with water tests, well–septic distance rules, and VA termite requirements.
Below is a streamlined guide that tells you exactly what is required for each loan program so you can eliminate surprises, keep your file moving, and get to the closing table without delays.
Water Test Requirements
Conventional: Only required if the appraiser calls for it.
FHA: Coliform, nitrites, nitrates. Add lead test if within 1/4 mile of farmland.
USDA: Total coliform test required.
VA: Coliform, nitrites, nitrates. Add lead if within 1/4 mile of farmland.
Septic Inspection
All loan types: Not required unless the appraiser specifically requests it.
Well & Septic Distance Requirements
For FHA and USDA, wells must meet these minimum distances:
75 ft from septic tank’s leach field
50 ft from septic tank
10 ft from property line
If state or local rules require greater distances, those take priority. Lower distances may be allowed with supporting documentation.
VA and Conventional: Must meet local health department requirements.
Pest / Termite Inspection
Conventional, FHA, USDA: Only required if the appraiser notes a concern.
VA: Required in most counties. Borrower cannot pay for the inspection.
Kentucky Takeaway
If a property uses well or septic and you're using FHA, USDA, or VA financing, expect additional scrutiny. These requirements aren’t difficult, but missing one can stop a loan cold. Align early with your lender, appraiser, and home inspector so nothing slips through the cracks.
Need help navigating a property with well or septic?
I specialize in FHA, VA, USDA, and KHC loans across the entire state of Kentucky. If you're buying a home with a private well or septic system and want the fastest path to a clear-to-close, reach out today.
Joel Lobb, Mortgage Broker FHA, VA, KHC, USDA
Joel Lobb, Mortgage Broker FHA, VA, KHC, USDA(NMLS #1738461) | Individual NMLS #57916
10602 Timberwood Cir. Suite 3, Louisville, KY 40223
Joel Lobb, Mortgage Broker FHA, VA, KHC, USDA
Inspection & Testing Requirements for a Kentucky Mortgage
Each Kentucky Home loan program for Conventional, FHA, VA and USDA government mortgage loans has slightly different guidelines when it comes to water tests, septic inspections, and pest/termite inspections. Here's a quick comparison of the general guidelines for each program.
How to Get Approved for a Mortgage Loan in Kentucky Thank you for visiting. I hope you find this website both informative and empowering as you explore your Kentucky mortgage options. My goal is simple: help you understand what mortgage underwriters actually review, help you avoid preventable approval issues, and help you choose the right loan program for your situation. I specialize in assisting Kentucky first-time homebuyers with FHA, VA, USDA Rural Housing, KHC down payment assistance , and Fannie Mae conventional mortgage loans . I proudly serve all 120 counties in Kentucky. FHA Loans in Kentucky VA Loans in Kentucky USDA Rural Housing Loans in Kentucky Fannie Mae Conventional Loans KHC Down Payment Assistance Programs With over 20 years of lending experience, I've had the privilege of helping more than 1,300 Kentucky families buy a home or refinance their current mortgage. Whether you are a first-time buyer, a veteran, a USDA buyer, a credit-challenged ...
Kentucky Welcome Home Grant 2026 Update: Program Closed and Out of Funds May 2026 update for Kentucky homebuyers: the 2026 Welcome Home Grant is now closed for new reservations. This does not mean you cannot buy a home. It means you need to pivot quickly to other Kentucky mortgage and down payment assistance options. May 2026 Update Welcome Home Grant Closed KHC DAP Still Available USDA, VA, FHA Options Important Update: The 2026 Welcome Home Grant Is Closed The 2026 Welcome Home Grant through FHLB Cincinnati is now closed and out of funds for new reservations . If your lender did not reserve the money before the program closed, you should not build your home purchase plan around receiving this grant for 2026. The hard truth: this grant was popular, limited, and first-come, first-served. Once the available funds were reserved, the program closed. Good News: Kentucky Buyers Still Have Options ...
Using a Pastor / Minister’s housing allowance to qualify for a mortgage Member of the Clergy Income for A Mortgage Loan Approval Where a borrower is a member of the clergy, all of the following will be required to document income: 1) Most recent year full tax return, 2) Most recent pay stubs, 3) W-2s, 4) Contract from the church to determine benefits. The IRS looks at the housing allowance portion of a pastor’s income as an exclusion from income. Therefore the housing allowance is not reported on the personal tax returns as taxable income. Even though it is not reported on the tax returns, a pastor’s housing allowance can be used in qualifying for a mortgage loan to purchase or refinance a home. As long as we can document the receipt of the housing income through a signed letter from the church/employer stating the actual breakdown of the pay and by providing copies of the checks received, we should be able to count the housing allowance as incom...
