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 →

How to get a Kentucky Mortgage Loan with No Credit Score for FHA, VA, USDA and KHC

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No Credit Score for FHA, VA, USDA and KHC 

Please see the no score requirements below Kentucky FHA, VA, USDA and Fannie Mae Mortgage Loan . Note: for government, at least one borrower must have a score.


Please see the no score requirements below Kentucky FHA, VA, USDA and Fannie Mae Mortgage Loan .  Note: for government, at least one borrower must have a score.

 

Conventional:

A/E AUS required

No scores acceptable

12 months housing history required

FTHB education required

All borrowers must occupy

Priced off borrower w/ fico OR 580 if no scores

 

How to get a Kentucky Mortgage Loan with No Credit Score for FHA, VA, USDA and KHC

 

 

 

 

FHA:


A/E AUS required. These cannot be done as a manual. Non-occupant co-borrower income cannot be used to qualify and debt must be included in DTI unless approve eligible.  

One borrower must have a score

12 months housing history required

Borrower with no fico must have 3 HUD acceptable alternative tradelines   


 

 

FHA –  IF 1 BORROWER HAS NO SCORE, 

 

How to get a Kentucky Mortgage Loan with No Credit Score for FHA, VA, USDA and KHC

 

 

VA - IF 1 BORROWER HAS NO SCORE, THE BORROWER WITH THE SCORE NEEDS TO BE INPUT AS THE CREDIT SCORE FOR PRICING

 

How to get a Kentucky Mortgage Loan with No Credit Score for FHA, VA, USDA and KHC

How to get a Kentucky Mortgage Loan with No Credit Score for FHA, VA, USDA and KHC

 

 

USDA - IF 1 BORROWER HAS NO SCORE, 

 

How to get a Kentucky Mortgage Loan with No Credit Score for FHA, VA, USDA and KHC



Joel Lobb  Mortgage Loan Officer

American Mortgage Solutions, Inc.
10602 Timberwood Circle
Louisville, KY 40223
Company NMLS ID #1364

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

http://www.mylouisvillekentuckymortgage.com/


NMLS 57916  | Company NMLS #1364/MB73346135166/MBR1574
Get Approved Now Click Here

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 view of my employer. Not all products or services mentioned on this site may fit all people.
NMLS ID# 57916, (www.nmlsconsumeraccess.org).


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

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