Start My Pre-Approval →📞 Call / Text 502-905-3708
★★★★★ 80+ Five-Star Google Reviews · Same-Day Pre-Approvals · 1,300+ Kentucky Families Helped · All 120 Counties
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.
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.
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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 →

$2,000 Closing Cost Grant Available for Kentucky Homebuyers June 2024

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Kentucky Housing Corporation is offering a $2,000 closing cost grant to Kentucky homebuyers.



The grant is available to the first 100 homebuyers who act quickly. It can be used for down payments, closing costs, and prepaid expenses. It can be used alone or combined with other programs, like the $10,000 KHC Down Payment Assistance Program. This is a great opportunity for those who want to buy a house. #Kentuckyhomeownership #homebuying


TODAY, Monday, June 24, 2024, Kentucky Housing Corporation (KHC) will again offer a limited-time $2,000 closing cost grant. Funding has been made available for 100 loans. 


  • First-come, first-served until funds are exhausted.
  • Purchase transactions only.
  • Can be used with $10,000 KHC Down payment Assistance Program (DAP). 
  • Details
  • $2,000 Closing Cost Grant - no repayment required.
  • Can be used for down payment, closing costs, and prepaids.
  • Can be combined with any of KHC’s other programs - DAP..
  • Limited availability - $200,000 available for the first 100 homebuyers


$10,000 KHC Down Payment Assistance Program.




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

Text/call: 502-905-3708

email: kentuckyloan@gmail.com


http://www.mylouisvillekentuckymortgage.com/










NMLS 57916 | Company NMLS #1364/MB73346135166/MBR1574





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

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