Kentucky's Welcome Home Grant

🏡 Kentucky Welcome Home Grant 2026

Up to $20,000 in Non-Repayable Down Payment & Closing Cost Assistance

📢 PROGRAM OPENS: April 6, 2026 at 8:00 a.m. ET | Funds Are Limited & First-Come, First-Served

What is the Kentucky Welcome Home Grant?

The Kentucky Welcome Home Grant, administered by the Federal Home Loan Bank of Cincinnati (FHLB Cincinnati), is a non-repayable grant program designed to help low- and moderate-income Kentucky homebuyers afford down payments and closing costs. Unlike loans, grants don't need to be repaid—they're a gift of funds to eligible borrowers.

Key Advantage: This is FREE MONEY! There is no repayment requirement, though funds are restricted for a 5-year primary occupancy period.

2026 Program Quick Reference

Category	Details
Grant Amount	$10,000 - $20,000 (non-repayable)
Program Opens	April 6, 2026 at 8:00 a.m. ET
Funding	First-come, first-served (limited funds)
Income Limit	≤ 80% MRB (Median Residual Income) by county
First-Time Buyer Required?	No—repeat buyers qualify
Credit Score	Credit Scores vary by lender and loan program check with lender (mortgage-dependent)
Personal Contribution	Minimum $500 from own funds (no gifts)
5-Year Restriction	Must occupy as primary residence for 5 years
Property Types	1-4 unit primary residences

Eligibility Requirements – Do You Qualify?

To be eligible for the Kentucky Welcome Home Grant, you must meet ALL of the following criteria:

💰 Income & Household

• Household income at or below 80% of MRB limits for your county
• Limits vary by county and household size (1-2 members vs. 3+)
• Both first-time and repeat buyers qualify

📊 Financial & Credit

• Minimum $500 personal contribution (no gift funds)
• Approved for an eligible mortgage

🏠 Property & Occupancy

• Primary residence (must occupy within 60 days of closing)
• 1-4 unit property (single-family, townhome, condo, duplex)
• Permanently affixed manufactured homes eligible

📋 Contract & Education

• Fully executed purchase contract
• Homebuyer education certificate (if first-time buyer)
• Must apply before funds are depleted

2026 Income Limits by County (80% MRB)

Your household income must not exceed the limits below for your county. Limits are based on household size (1-2 persons vs. 3+ persons). Select your county to view your specific income limit:

Kentucky Welcome Home Grant 2026 – Income Limits by County (80% MRB)

Select your county to view the household income limits for the Welcome Home Program. These are the **80% MRB limits** (required for eligibility). Household income includes all adults living in the home and must be at or below these amounts for your family size.

Limits are from FHLB Cincinnati's 2026 Income Limits (effective for the program opening April 6, 2026). Some counties have targeted census tracts with higher limits—check the official PDF for details.

-- Select a Kentucky County -- Adair - 1-2 Persons: $68,064 | 3+ Persons: $79,408 Allen - 1-2: $75,264 | 3+: $87,808 Anderson - 1-2: $78,379 | 3+: $90,136 Ballard - 1-2: $77,280 | 3+: $90,160 Barren - 1-2: $68,064 | 3+: $79,408 Bath - 1-2: $80,832 | 3+: $94,304 Bell - 1-2: $80,832 | 3+: $94,304 Boone - 1-2: $89,440 | 3+: $102,856 Bourbon - 1-2: $81,920 | 3+: $94,208 Boyd - 1-2: $74,688 | 3+: $87,136 Boyle - 1-2: $77,568 | 3+: $90,496 Bracken - 1-2: $89,440 | 3+: $102,856 Breathitt - 1-2: $80,832 | 3+: $94,304 Breckinridge - 1-2: $73,440 | 3+: $85,680 Bullitt - 1-2: $77,771 | 3+: $89,437 Butler - 1-2: $69,600 | 3+: $81,200 Caldwell - 1-2: $70,080 | 3+: $81,760 Calloway - 1-2: $79,200 | 3+: $92,031 Campbell - 1-2: $89,440 | 3+: $102,856 Carlisle - 1-2: $73,632 | 3+: $85,904 Carroll - 1-2: $68,736 | 3+: $80,192 Carter - 1-2: $80,832 | 3+: $94,304 Casey - 1-2: $80,832 | 3+: $94,304 Christian - 1-2: $79,195 | 3+: $91,074 Clark - 1-2: $81,920 | 3+: $94,208 Clay - 1-2: $80,832 | 3+: $94,304 Clinton - 1-2: $80,832 | 3+: $94,304 Crittenden - 1-2: $79,008 | 3+: $92,068 Cumberland - 1-2: $80,832 | 3+: $94,304 Daviess - 1-2: $79,435 | 3+: $91,350 Edmonson - 1-2: $79,584 | 3+: $91,958 Elliott - 1-2: $80,832 | 3+: $94,304 Estill - 1-2: $80,832 | 3+: $94,304 Fayette - 1-2: $81,920 | 3+: $94,208 Fleming - 1-2: $80,832 | 3+: $94,304 Floyd - 1-2: $80,832 | 3+: $94,304 Franklin - 1-2: $78,507 | 3+: $90,283 Fulton - 1-2: $68,064 | 3+: $79,408 Gallatin - 1-2: $89,440 | 3+: $102,856 Garrard - 1-2: $73,152 | 3+: $85,344 Grant - 1-2: $76,416 | 3+: $89,152 Graves - 1-2: $68,064 | 3+: $79,408 Grayson - 1-2: $68,064 | 3+: $79,408 Green - 1-2: $68,064 | 3+: $79,408 Greenup - 1-2: $74,688 | 3+: $87,136 Hancock - 1-2: $79,611 | 3+: $91,553 Hardin - 1-2: $76,992 | 3+: $89,824 Harlan - 1-2: $80,832 | 3+: $94,304 Harrison - 1-2: $79,675 | 3+: $91,626 Hart - 1-2: $68,064 | 3+: $79,408 Henderson - 1-2: $77,664 | 3+: $90,608 Henry - 1-2: $77,771 | 3+: $89,437 Hickman - 1-2: $76,416 | 3+: $89,152 Hopkins - 1-2: $72,096 | 3+: $84,112 Jackson - 1-2: $80,832 | 3+: $94,304 Jefferson - 1-2: $77,771 | 3+: $89,437 Jessamine - 1-2: $81,920 | 3+: $94,208 Johnson - 1-2: $80,832 | 3+: $94,304 Kenton - 1-2: $89,440 | 3+: $102,856 Knott - 1-2: $80,832 | 3+: $94,304 Knox - 1-2: $80,832 | 3+: $94,304 Larue - 1-2: $76,992 | 3+: $89,824 Laurel - 1-2: $69,312 | 3+: $80,864 Lawrence - 1-2: $80,832 | 3+: $94,304 Lee - 1-2: $80,832 | 3+: $94,304 Leslie - 1-2: $80,832 | 3+: $94,304 Letcher - 1-2: $80,832 | 3+: $94,304 Lewis - 1-2: $80,832 | 3+: $94,304 Lincoln - 1-2: $68,064 | 3+: $79,408 Livingston - 1-2: $70,848 | 3+: $82,656 Logan - 1-2: $77,568 | 3+: $90,496 Lyon - 1-2: $78,939 | 3+: $90,780 Madison - 1-2: $79,083 | 3+: $90,946 Magoffin - 1-2: $80,832 | 3+: $94,304 Marion - 1-2: $70,944 | 3+: $82,768 Marshall - 1-2: $79,755 | 3+: $91,718 Martin - 1-2: $80,832 | 3+: $94,304 Mason - 1-2: $68,736 | 3+: $80,192 McCracken - 1-2: $78,795 | 3+: $90,614 McCreary - 1-2: $80,832 | 3+: $94,304 McLean - 1-2: $79,435 | 3+: $91,350 Meade - 1-2: $79,339 | 3+: $91,240 Menifee - 1-2: $80,832 | 3+: $94,304 Mercer - 1-2: $78,683 | 3+: $90,486 Metcalfe - 1-2: $80,832 | 3+: $94,304 Monroe - 1-2: $68,064 | 3+: $79,408 Montgomery - 1-2: $75,072 | 3+: $87,584 Morgan - 1-2: $80,832 | 3+: $94,304 Muhlenberg - 1-2: $72,768 | 3+: $84,896 Nelson - 1-2: $79,227 | 3+: $91,111 Nicholas - 1-2: $70,656 | 3+: $82,432 Ohio - 1-2: $68,064 | 3+: $79,408 Oldham - 1-2: $77,771 | 3+: $89,437 Owen - 1-2: $75,456 | 3+: $88,032 Owsley - 1-2: $80,832 | 3+: $94,304 Pendleton - 1-2: $89,440 | 3+: $102,856 Perry - 1-2: $80,832 | 3+: $94,304 Pike - 1-2: $80,832 | 3+: $94,304 Powell - 1-2: $80,832 | 3+: $94,304 Pulaski - 1-2: $68,736 | 3+: $80,192 Robertson - 1-2: $80,832 | 3+: $94,304 Rockcastle - 1-2: $80,832 | 3+: $94,304 Rowan - 1-2: $80,832 | 3+: $94,304 Russell - 1-2: $69,408 | 3+: $80,976 Scott - 1-2: $81,920 | 3+: $94,208 Shelby - 1-2: $84,640 | 3+: $97,336 Simpson - 1-2: $74,496 | 3+: $86,912 Spencer - 1-2: $77,771 | 3+: $89,437 Taylor - 1-2: $74,016 | 3+: $86,352 Todd - 1-2: $73,824 | 3+: $86,128 Trigg - 1-2: $79,195 | 3+: $91,074 Trimble - 1-2: $79,296 | 3+: $92,013 Union - 1-2: $73,440 | 3+: $85,680 Warren - 1-2: $79,584 | 3+: $91,958 Washington - 1-2: $78,987 | 3+: $90,835 Wayne - 1-2: $80,832 | 3+: $94,304 Webster - 1-2: $68,928 | 3+: $80,416 Whitley - 1-2: $80,832 | 3+: $94,304 Wolfe - 1-2: $80,832 | 3+: $94,304 Woodford - 1-2: $81,920 | 3+: $94,208

Select a county above to view the 80% MRB income limits.

Important Notes:

• These are the **80% limits** required for the Welcome Home Grant (not 100% limits, which are for other programs like Disaster Reconstruction).
• Some counties have **targeted census tracts** with higher limits—verify your specific property address via the official FHLB Cincinnati PDF or your lender.
• Source: FHLB Cincinnati 2026 Income Limits (for KY, OH, TN). Always confirm with a participating lender when reserving funds on April 6, 2026.
• Official link: FHLB Cincinnati 2026 Income Limits PDF

Note on Targeted Census Tracts: Some counties have targeted census tracts with higher income limits. Contact a participating lender or check the KHC website for county-specific details.

What Can the Grant Cover?

The Kentucky Welcome Home Grant provides funds for:

• Down Payment: A portion or all of your down payment (combined with your $500+ contribution)
• Closing Costs: Loan origination fees, appraisal, title insurance, recording fees, survey, inspection, and other closing-related expenses
• Prepaids: Property taxes, homeowner's insurance, and HOA fees paid upfront

💡 Example: If you're buying a $150,000 home with 5% down ($7,500) and have closing costs of $3,500, the grant could cover $10,000-$11,000, reducing your out-of-pocket costs dramatically.

Eligible Property Types

• Single-family detached homes
• Townhomes and row houses
• Condominiums (HUD-approved)
• Duplexes (owner-occupied one side)
• Triplexes & 4-plexes (owner-occupied)
• Permanently affixed manufactured homes on owned land

❌ Not Eligible: Investment properties, second homes, or properties held in trust for business purposes. The property must be your primary residence.

The 5-Year Primary Occupancy Requirement

Here's a critical detail: The grant comes with a 5-year deed restriction. You must occupy the property as your primary residence for 5 years from the date of closing.

What Happens If You Move or Sell Before 5 Years?

• Sell within 5 years: You may be required to repay a pro-rated portion of the grant
• Refinance (Rate & Term): Typically allowed; the restriction transfers to the new mortgage
• Cash-out Refinance: May trigger repayment requirements—discuss with your lender
• Rent Out the Property: Violates the primary occupancy rule and could trigger repayment

⚠️ Important: This restriction is recorded in the property deed, so future buyers will be aware of it. Make sure homeownership is the right long-term move for you before applying.

Application Timeline & Process

Step 1: Get Pre-Approved (Before April 6)

Contact a participating FHLB Cincinnati member lender. Provide income docs, credit authorization, and employment verification. Get a pre-approval letter.

Step 2: Secure a Purchase Contract (Before April 6)

Find a home, make an offer, and get a fully executed purchase contract. You'll need this to reserve grant funds.

Step 3: Complete Homebuyer Education (If First-Time)

If you're a first-time buyer, complete an approved homebuyer education course and obtain your certificate.

🎯 April 6, 2026 – 8:00 a.m. ET: APPLICATION OPENS

Be ready! Funds are first-come, first-served. Have all documents prepared and submitted quickly. Typically depletes within days or weeks.

Step 4: Submit Complete Application

Provide lender with all required documents and formally apply for the grant at program open.

Step 5: Lender Reserves Funds

Lender notifies FHLB Cincinnati to reserve funds. You receive confirmation and move toward closing.

Step 6: Close on Your Home

Grant funds are transferred at closing. You become a homeowner!

Required Documents & Application Checklist

Income & Employment Verification

Last 2 months of recent pay stubs (all household members)

Last 2 years of tax returns (all household members)

Letter from employer confirming employment (optional but helpful)

Purchase & Property

Fully executed purchase contract

Property address & property tax appraisal (if available)

Credit & Financial

Mortgage pre-approval letter

Proof of $500+ personal contribution (bank statements showing deposits)

Last 2 months of bank statements (all accounts)

Identity & Occupancy

Government-issued photo ID (driver's license, passport)

Social Security card or documentation

Written statement confirming primary occupancy intent

Education (First-Time Buyers Only)

Homebuyer education course certificate (HUD-approved)

Understanding MRB (Median Residual Income) Limits

The 80% MRB limit can be confusing. Here's what it means:

• MRB (Median Residual Income): The median income for your county, set by HUD based on census data
• 80% MRB: 80% of that county median—used for targeting assistance to lower-income households
• Why It Varies by County: Some counties are wealthier (higher limits) and others less affluent (lower limits)
• Household Size Matters: Larger households get higher limits because more people means more expenses

💡 Example: If the MRB for Jefferson County is $60,000, then 80% MRB is $48,000. A household of 1-2 people earning up to $48,000 qualifies; a household of 3+ earning up to $56,000 qualifies (higher percentage for larger families).

Participating Lenders & How to Apply

Not all lenders participate in the Welcome Home Grant. You must use a participating FHLB Cincinnati member bank or mortgage lender. Popular participants include:

All FHLB Cincinnati member banks and credit unions in Kentucky can participate in the Welcome Home Program (grants up to $20,000 for down payment/closing costs). Not all promote it actively—call to confirm they offer it for 2026. Funds are first-come, first-served and limited!

For the full official list (searchable by name/location), check the → FHLB Cincinnati Member Directory (filter for Kentucky members).

Below is an expanded dropdown grouped by region — featuring dozens of banks and credit unions commonly active in mortgages/FHLB programs:

<

Participating Lenders for Kentucky Welcome Home Grant 2026 – Banks, Credit Unions & Mortgage Providers

The Welcome Home Grant (up to $20,000 for down payment/closing costs) is available through any FHLB Cincinnati member institution in Kentucky that chooses to participate — including banks, credit unions, and mortgage companies/lenders. There is no separate "approved list"; all members are eligible, but availability varies by institution (some promote it heavily, others offer it upon request).

Funds open April 6, 2026 at 8:00 a.m. ET — first-come, first-served. Get pre-approved early!

For the **complete searchable directory** of all Kentucky FHLB Cincinnati members (filter by name, city, or type), visit the official source: → FHLB Cincinnati Member Directory (search for Kentucky institutions).

Below is a large, regional dropdown of many Kentucky banks, credit unions, and mortgage providers known to offer or participate in the Welcome Home Program (based on promotions, member info, and program references):

──── Select by Region – KY Banks, CUs & Lenders ───── L&N Federal Credit Union (Louisville + branches) Park Community Credit Union (Louisville + many locations) Transcend Credit Union (Louisville) Stock Yards Bank & Trust Company (Louisville) Republic Bank & Trust Company (Louisville) The First Capital Bank of Kentucky (Louisville) Class Act Federal Credit Union (Louisville) University of Kentucky Federal Credit Union (Lexington) Greater Kentucky Credit Union (Lexington area) Members Heritage Credit Union (Lexington) Commonwealth Credit Union (Frankfort + statewide) Central Bank & Trust Co. (Lexington) Whitaker Bank (Lexington) Forcht Bank (Lexington area) Independence Bank (Owensboro) Heritage Bank (Owensboro) South Central Bank (Glasgow + statewide Western/Central) Abound Credit Union (Radcliff/Fort Knox + Western KY) Paducah Bank and Trust Company (Paducah) Planters Bank (Hopkinsville) FNB Bank (Mayfield) American Bank & Trust Company (Bowling Green) Community Trust Bank (Pikeville + Eastern branches) Ashland Credit Union (Ashland) Cumberland Valley National Bank & Trust (London) Citizens National Bank (Somerset) Peoples Bank of Kentucky (Flemingsburg/Eastern) The First National Bank of Grayson (Grayson) Cumberland Security Bank (Somerset area) CINFED Credit Union (Northern KY / Cincinnati area) Cove Federal Credit Union (Edgewood/Northern KY) Liberty Federal Credit Union (Northern KY branches) The Cecilian Bank (Elizabethtown, statewide reach) Citizens Union Bank (Shelbyville, Central KY) First & Peoples Bank and Trust Company (Russell, multi-region) Citizens Bank of Kentucky (Paintsville/Southern) Kentucky Bank (Paris + multiple statewide) Education First Credit Union (multi-region) Sharefax Credit Union (multi-region) Midwest Community FCU (multi-region KY/OH border) United Southern Bank (Hopkinsville/Southern)



Quick Regional Tips:

• Louisville? L&N FCU, Park Community CU, or Republic Bank are frequently active in Welcome Home grants.
• Lexington/Central? UKFCU, Commonwealth CU, or Central Bank often participate.
• Western KY? Paducah Bank, Independence Bank, or Abound CU promote the program.
• Eastern/Southern KY? Citizens National Bank, Community Trust, or CVNB are strong options.

Next Step: Contact a lender from the list (or search the official directory) to confirm they are offering the 2026 program and get pre-approved now — before funds run out on opening day!

Need help finding the right lender or starting your pre-approval? Call/Text: 502-905-3708 Email: kentuckyloan@gmail.com Joel Lobb – Louisville KY Mortgage Expert

Get Ready Now: Pre-approve with a participating lender before April 6, 2026 — so you can reserve funds instantly when the program opens!

Call / Text Joel Lobb (Louisville expert) → 502-905-3708
Email: kentuckyloan@gmail.com
We help connect you to the right lender and start your Welcome Home process early!

💡 Work with an Experienced Lender: Not all loan officers know about or actively promote this program. Ask specifically: "Do you participate in the FHLB Cincinnati Welcome Home Grant program?" If they say no, consider switching lenders or asking to speak to someone who specializes in down payment assistance.

Why Choose Kentucky Welcome Home Over Other Assistance?

Feature	Welcome Home Grant	KHC DPA Programs	Conventional Programs
Repayment	No—non-repayable grant	No—non-repayable	Yes—must repay
Max Assistance	$20,000	$12,500 repayable over 15 years at 4.75%	Varies
First-Time Required	No	Yes	No
Availability	Limited (first-come first serve usually gone within 2 weeks)	Ongoing	Ongoing
For Closing Costs	Yes	Limited	Varies

Frequently Asked Questions (FAQs)

Do I have to be a first-time homebuyer? +
No! One of the best features of Welcome Home is that repeat buyers also qualify. If you previously owned a home, sold it, and are ready to buy again, you can apply. This makes it great for people re-entering the housing market.
How fast do the funds run out? +
That depends on demand and the amount of funds available. Based on past years, funds typically deplete within 1-4 weeks. In some years, they're gone within days. Prepare everything in advance so you can apply immediately when the program opens on April 6 at 8:00 a.m. ET.
What if I can't afford my $500 personal contribution? +
Unfortunately, the $500 personal contribution is a requirement. However, there are other assistance programs (like KHC Down Payment Assistance) that may help. Contact a Kentucky mortgage specialist to explore all your options.
Can I use gift funds for any part of my down payment? +
Your $500 minimum contribution must come from your own funds (no gifts). However, after you meet that requirement, gift funds from family members are typically allowed for the remaining down payment. Always confirm with your lender first.
What credit score do I need? +

There are no credit score requirements, but you still must be approved for a FHA, USDA, VA, or conventional loan to pair this with the grant. Those programs have varying credit score requirements so check with your lender.

If I sell the home in 4 years, do I have to repay the grant? +

Yes, if you sell within 5 years, you typically must repay a pro-rated portion of the grant. The amount depends on how much of the 5-year period has passed. Discuss this with your lender before applying.

Can I use the grant for a manufactured home? +

Yes, if it's permanently affixed to land you own (not in a mobile home park). The manufactured home must be financed with a real estate mortgage, and you must own both the home and the land.

How do I know if my lender participates? +

Ask directly: "Are you a member of the Federal Home Loan Bank of Cincinnati, and do you offer the Welcome Home Grant program?" You can also check the FHLB Cincinnati member directory at ➡️➡️ fhlbcin.com.

Can I combine Welcome Home with other assistance programs? +

Possibly! Some borrowers combine Welcome Home with KHC Down Payment Assistance, VA/USDA programs, or other grants. However, there may be restrictions. Discuss this with your lender to ensure you're maximizing all available assistance without violating program rules.

Is the homebuyer education course required if I'm not a first-time buyer? +

No, education is only required for first-time buyers. However, even repeat buyers benefit from a refresher on current rates, loan programs, and homeownership costs.

Complementary Kentucky Assistance Programs

The Welcome Home Grant works great alongside these other programs:

Kentucky Housing Corporation (KHC) DPA

Provides $12,500 in non-repayable down payment assistance for first-time buyers. Can sometimes be combined with Welcome Home.

Visit kyhousing.org

FHA Loans

3.5% down payment option with flexible credit and income requirements. Works well with down payment grants.

Benefits: Lower down payment, gifts allowed

VA Loans (Veterans)

Zero down payment, no PMI, no minimum credit score. Excellent for eligible veterans and service members.

Ideal for: Military members & veterans

USDA Loans (Rural Properties)

Zero down payment for eligible rural properties. Great rates and terms for rural Kentucky buyers.

Ideal for: Rural homebuyers

Step-by-Step: Your Path to Success

1. Assess Your Situation: Check your income against your county's 80% MRB limit
2. Find a Participating Lender: Contact a FHLB Cincinnati member that actively promotes the program
3. Get Pre-Approved: Complete mortgage pre-approval process
4. Start Shopping: Begin your home search with pre-approval in hand
5. Make an Offer & Get Contract: Find a home and execute a purchase contract
6. Complete Education (If First-Time): Take homebuyer course and get certificate
7. Prepare Documents: Organize all required docs (pay stubs, taxes, bank statements, ID, etc.)
8. Mark Your Calendar: April 6, 2026, 8:00 a.m. ET—program opens
9. Apply Immediately: Submit application the morning it opens
10. Close on Your Home: Once funds are reserved, proceed to closing
11. Become a Homeowner: Keys in hand, welcome home! 🏡

Important Program Notes & Disclaimers

• First-Come, First-Served: Funds are limited and typically deplete quickly. Apply immediately when the program opens.
• Deed Restriction: The 5-year primary occupancy requirement is recorded on your property deed. Early sale or move may trigger repayment.
• Interest Rate Not Locked: Securing grant funds doesn't lock your mortgage interest rate. Rate locks happen separately with your lender.
• Annual Program: Welcome Home runs annually (typically opens in spring). If you miss 2026, you can try next year.
• Confirmation Pending: Income limits and program details are current as of February 3, 2026. Always confirm specifics with FHLB Cincinnati or your lender closer to the April 6 opening.

📋 Disclaimer: This guide is an independent educational resource and is not endorsed by the Federal Home Loan Bank of Cincinnati, HUD, FHLB, or any government agency. Information is accurate to the best of our knowledge as of February 3, 2026. Program details may change. Always verify directly with FHLB Cincinnati or your participating lender for the most current information.

Ready to Apply? Contact Joel Lobb – Your Kentucky Mortgage Expert

With over 20 years of experience helping Kentucky families achieve homeownership, I specialize in down payment assistance programs like the Welcome Home Grant, KHC programs, FHA, VA, USDA, and Fannie Mae loans.

🎯 Get Your Free Mortgage Pre-Approval Today

📞 Call or Text: 502-905-3708

📧 Email: kentuckyloan@gmail.com

🌐 Website: www.mylouisvillekentuckymortgage.com

Joel Lobb – Mortgage Loan Officer
NMLS Personal ID: 57916
EVO Mortgage NMLS ID: 1738461
NMLS Consumer Access
Equal Housing Lender

Why Work With Me?

• Local Expertise: Deep knowledge of Kentucky's housing market and all available loan programs
• Down Payment Specialist: I know the Welcome Home Grant, KHC DPA, and other assistance programs inside and out
• Fast Approvals: Same-day pre-approvals to keep you competitive in a fast-moving market
• Personalized Service: I treat every client like family, ensuring you're informed and supported at every step
• 1,300+ Families Helped: Proven track record of turning homeownership dreams into reality
• All Loan Types: FHA, VA, USDA, KHC, Fannie Mae, and conventional loans—I find the right fit for you

Last updated: February 3, 2026 | Kentucky Welcome Home Grant 2026 Guide

This is an independent educational resource created to assist Kentucky homebuyers. Not endorsed by FHLB Cincinnati, HUD, or government agencies.

© 2026 Joel Lobb – Mortgage Loan Officer. All rights reserved. Equal Housing Lender.