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 →

$2,000 CLOSING COST GRANT Kentucky Housing Corporation Special Offer

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KHC Announces $2,000 Closing Cost Grant
Available for 180 Borrowers

Effective with new reservations TODAY, Tuesday, July 15, 2025, Kentucky Housing Corporation (KHC) will offer a limited-time $2,000 closing cost grant. Funding has been made available for 180 loans. 

Remaining funds will be updated weekly on the PowerLender dashboard. 

  • First-come, first-served until funds are exhausted.
  • Purchase transactions only.
  • List as a grant in Desktop Underwriter (DU) and Loan Product Advisor (LPA).
  • List as a gift in the Guaranteed Underwriting System (GUS). 
  • Can be used with KHC Down payment Assistance Program (DAP). 
  • A KHC grant/gift letter will be available at time of reservation and must be signed by borrower(s).  
  • List the Closing Cost Grant on the Final 1003 in Section 4d.  

$2,000 CLOSING COST GRANT

Kentucky Housing Corporation Special Offer

🚨 LIMITED TIME OFFER 🚨

Effective July 15, 2025 - Only 180 borrowers will receive this grant!

💰

$2,000 FREE MONEY

Grant money that doesn't need to be repaid - reduces your closing costs significantly

🏡

Purchase Only

Available for home purchases only - perfect for first-time homebuyers

⚡

Stack with DAP

Can be combined with KHC Down Payment Assistance for maximum savings

Program Details

  • First-come, first-served until funds are exhausted
  • Purchase transactions only
  • List as a grant in Desktop Underwriter (DU) and Loan Product Advisor (LPA)
  • List as a gift in the Guaranteed Underwriting System (GUS)
  • Can be used with KHC Down Payment Assistance Program (DAP)
  • KHC grant/gift letter required and must be signed by borrower(s)
  • Must be listed on Final 1003 in Section 4d

⏰ ACT FAST!

Only 180 grants available - funds will be updated weekly until exhausted

Ready to Get Started?

Contact Joel Lobb - Your Kentucky Mortgage Expert

📧 Email

kentuckyloan@gmail.com

📱 Call/Text

502-905-3708

🌐 Website

www.mylouisvillekentuckymortgage.com

📍 Address

10602 Timberwood Cir, Ste 3
Louisville, KY 40223

🎯 Specialization

Kentucky Mortgage Loan Expert For Kentucky FHA, VA, USDA, Fannie Mae and KHC Down Payment Assistance Loans

🏛️ Licensing Information

Joel Lobb - Personal NMLS# 57916
Evo Mortgage - Company NMLS# 1738461
Kentucky Mortgage Loan Only
www.nmlsconsumeraccess.org

CALL NOW TO APPLY!

Important Disclosures:

This website is not endorsed by the FHA, VA, USDA, KHC, or any government agency. It is an independent platform created to educate and assist homebuyers with expert advice and accessible tools. Equal Housing Lender.

These materials are not from HUD, FHA, the USDA, KHC, or the VA. These materials were not approved by any government agency. They are independent of any government agency.

For information directly from KHC, visit their official website. Loan approval subject to credit approval and program guidelines.


Kentucky Housing Corporation (KHC) will offer a limited-time $2,000 closing cost grant. Funding has been made available for 180 loans.


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