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 →

How to Get Approved for a Mortgage Loan in Kentucky (2026 Guide)

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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 ...
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.
Kentucky mortgage video guide thumbnail
Kentucky mortgage video guide thumbnail
▶ 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 Mortgage Guidelines for VA, FHA, USDA and Conventional Mortgage Loans

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Kentucky Mortgage Guidelines for VA, FHA, USDA and Conventional Mortgage Loans





Kentucky VA Mortgage Loans


   • VA IRRRLS NO FICO 

   • Minimum FICO 550 on full files OR true NO FICO

   • Manual underwrite to a 580 FICO

   • Cash out to 100% LTV

   • Manufactured homes allowed, double wide or bigger

   • VA IRRRL NO LTV cap

   • VA IRRRL, unlimited late payments (loan must be current and last 6 payments on time)

   • VA IRRRL, allow odd terms on fixed loans

   • VA purchase up to 100% LTV

   • VA escrow holdbacks allowed


Kentucky FHA Mortgage Loans


   • FHA streamlines NO FICO

   • Minimum FICO 550 on full files 

   • Manufactured homes allowed, double wide or bigger

   • FHA streamlines, NOO allowed. NO Appraisals or AVMs

   • FHA 203(k) & (h) allowed

   • FHA escrow holdbacks allowed


Kentucky USDA Mortgage Loans


   • USDA Streamlines NO FICO

   • Minimum FICO 580 on full files OR true NO FICO

   • Manufactured homes allowed, double wide or bigger

   •  Streamlined assist 

   •  USDA escrow holdbacks allowed


Kentucky Conventional Mortgage Loans


   • Minimum FICO 580

   • Manufactured homes allowed, double wide or bigger

   • Up to 97% LTV (allow for the 3% to be gifted)

   • LPMI up to 97% LTV

   • LPMI and Regular MI allowed on investment properties

   • Unlimited financed properties (follow Fannie Mae guidelines)

   • HARP DU Refi Plus (allow for MI to be transferred) Fannie

   • HARP Open Access Relief loan (allow for MI to be transferred) Freddie

   • Home One, HomeReady, Home Possible

   • 80/10/10 Program with HELOC 2nd



I hope this gives you some useful input to help guide your decision making. Give me a call if you have more specific questions! Thanks so much 

Joel Lobb (NMLS#57916)
Senior  Loan Officer
 
American Mortgage Solutions, Inc.
10602 Timberwood Circle Suite 3
Louisville, KY 40223
Company ID #1364 | MB73346
 

Text/call 502-905-3708

If you are an individual with disabilities who needs accommodation, or you are having difficulty using our website to apply for a loan, please contact us at 502-905-3708.
Disclaimer: No statement on this site is a commitment to make a loan. Loans are subject to borrower qualifications, including income, property evaluation, sufficient equity in the home to meet Loan-to-Value requirements, and final credit approval. Approvals are subject to underwriting guidelines, interest rates, and program guidelines and are subject to change without notice based on applicant's eligibility and market conditions. Refinancing an existing loan may result in total finance charges being higher over the life of a loan. Reduction in payments may reflect a longer loan term. Terms of any loan may be subject to payment of points and fees by the applicant  Equal Opportunity Lender. NMLS#57916http://www.nmlsconsumeraccess.org/




Location: 10602 Timberwood Cir #3, Louisville, KY 40223, USA

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