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 →
Free Kentucky Homebuyer Tools
Run your own numbers before you call. Each tool uses 2026 FHA, VA, USDA, KHC and Conventional guidelines.

📈 Credit Score Simulator

See how paying down cards or fixing errors could move your score, and which loan programs it unlocks.

What-if score plannerOpen the tool →

💵 Qualifying Income

Find out what income a lender will count: hourly pay, overtime, self-employment and benefits.

Income calculatorOpen the tool →

⚖️ Debt-to-Income (DTI)

Check your DTI against FHA, VA, USDA and Conventional limits, including student loan rules.

DTI calculatorOpen the tool →

🏡 KHC Assistance Payment

See your monthly payment with the $12,500 KHC down payment loan and how much cash you still need at closing.

KHC DAP calculatorOpen the tool →

Kentucky Homeowners: Draft White House Order Could Make Refinancing Cheaper

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The White House is reportedly considering a draft executive order titled "Decreasing Housing Costs for the American People," first obtained by Scotsman Guide and also reported by HousingWire . As of this writing it has not been signed , and the final details could change. Here is what the current draft includes and why Kentucky borrowers should keep an eye on it. What the Draft Proposes Reducing or eliminating certain loan-level pricing fees on eligible refinances Waiving appraisals and some documentation on qualifying refinances that lower your payment Expanding title insurance waivers to reduce closing costs Directing the VA and USDA to pursue lower rates for eligible borrowers Requiring servicers to notify you when you may qualify to remove mortgage insurance Who in Kentucky Could Benefit Homeowners who bought or refinanced at higher rates over the past few years Veterans and military families, including those near Fort Knox and Fort Campbell Rural home...
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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▶ 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 →

New USDA Loan Guidelines for Kentucky Home Buyers

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I wanted to share an important update regarding the USDA Single Family Housing Guaranteed Loan Program (SFHGLP) for Kentucky home buyers. 

The USDA has recently proposed revisions to several chapters of their technical Handbook 1-3555, which may impact various aspects of the loan process. These proposed changes are currently open for comment until December 8, 2024, with final publication expected soon. Here’s an overview of the proposed revisions:

Key Proposed Updates to Kentucky Rural Housing USDA Guidelines:



Seller Concessions: Clarifies that funds provided by the seller to pay the buyer’s real estate commission fees are excluded from the 6% seller concession cap.

Refinancing Eligibility: The seasoning period for an existing loan to be eligible for refinancing has been updated to 180 days.

Payment History Requirement: To qualify for a refinance, the existing loan must not have any delinquencies greater than 30 days within the previous 180-day period.

Manufactured Homes: Removed existing manufactured homes from the list of prohibited loan purposes.

Builder’s Warranty: The one-year builder’s warranty must include the date, warrantor, buyer, location, and signatures.

Rehabilitation and Repair: The maximum for non-structural repairs with a home purchase is updated to $75,000. Structural repairs now have a reserve period extended to 10 months if exceeding $75,000.

Manufactured Homes Repairs: Repairs to manufactured homes (both new and existing) are no longer listed as prohibited purposes.

Title Insurance: Community land trust, leasehold interest properties, and manufactured homes now require title insurance.

New Manufactured Homes: Must be built within 12 months of loan closing. The certification label should remain visible after installation is complete.

Existing Manufactured Homes: New guidelines for financing existing manufactured homes align with the requirements in the upcoming Existing Manufactured Home Final Rule.

New USDA Loan Guidelines for Kentucky Home Buyers



These revisions enhance flexibility for Kentucky USDA home buyers, especially with updates related to manufactured homes, property types, and refinancing eligibility. If you’re interested in discussing how these changes may affect your eligibility or if you have any questions about Kentucky Rural Housing USDA loan options, please feel free to reach out. I’m here to help you navigate these updates and find the best financing solution for your new home.



1 - 📅 Email - kentuckyloan@gmail.com 
2.  📞 Call/Text - 502-905-3708

Joel Lobb
Mortgage Loan Officer - Expert on Kentucky Mortgage Loans


🌐 Website: www.mylouisvillekentuckymortgage.com
🏢 Address: 10602 Timberwood Cir, Ste 3, Louisville, KY 40223

Evo Mortgage
Company NMLS# 1738461
Personal NMLS# 57916

For assistance with Kentucky mortgage loans, reach out via email, call, or text Joel Lobb directly.


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