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 →

USDA Rural Development Kentucky Notice of changes to eligible area maps for USDA Rural Development housing programs

- August 30, 2023

USDA Rural Development Kentucky

Notice of changes to eligible area maps for USDA Rural Development housing programs

USDA Rural Development has completed its 2020 decennial United States census review for all areas under its jurisdiction to identify areas that no longer qualify as rural for Kentucky USDA Rural Housing programs.

Based on the review of the areas within the state of Kentucky, using 2020 US census data, and rural area guidance located in Handbook HB-1-3550, Chapter 5, the rural eligibility designation has changed for the following areas:

Areas whose rural eligibility designations are changing from ineligible to eligible (these areas now qualify as rural for USDA Housing Programs):

The area/towns currently outside the city of Ashland, KY (Catlettsburg, West Fairview, Fairview, Westwood, Russell).
The areas/towns currently outside the city of Paducah, KY (Hendron and Farley).
The cities of Ashland, KY and Paducah, KY will remain ineligible.

Areas whose rural eligibility designation is changing from eligible to ineligible (these areas no longer qualify as rural for USDA Housing Programs):

Georgetown, KY – The city of Georgetown, KY, will no longer be eligible due to the population exceeding 35,000.

Changes become effective October 1, 2023.

Kentucky USDA Rural Housing Map for Georgetown Kentucky and Scott County Kentucky

The updated rural area map can now be viewed on our eligibility website. Users will need to click on the program, for example: “Single Family Housing Direct,” and then click on “Proposed Eligibility Areas” from the menu options.

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