Kentucky Mortgage Rates and Home Loan Options
Kentucky First-Time Homebuyer Expert
Every Kentucky loan program, reviewed by one licensed local broker. Free application review, same-day answers.
Loan Programs — Tap One To Explore
Joel Lobb NMLS #57916 · EVO Mortgage · Louisville, KY Company NMLS #1738461
★★★★★ 90+ Five-Star Google Reviews · Same-day pre-approvals · 1,300+ Kentucky families helped · All 120 counties
The go-to for first-time buyers and 580+ credit. Low down payment and flexible guidelines.
3.5% down · 580+ creditLearn More →Zero down and no monthly mortgage insurance for veterans and active-duty service members.
$0 down · VA eligibleLearn More →100% financing for eligible rural and suburban Kentucky buyers within income limits.
$0 down · USDA areasLearn More →Kentucky Housing down payment assistance for first-time and repeat buyers.
Up to $12,500 assistanceLearn More →Best long-term value for stronger credit. PMI cancels at 20% equity, unlike FHA.
3% down · 620+ creditLearn More →Every route to buying with nothing down in Kentucky — VA, USDA, and KHC combos.
$0 down programsLearn More →All Kentucky first-time homebuyer programs compared in plain English.
Programs & grantsLearn More →What score you actually need for each loan type in 2026 — and how to raise yours.
By loan programLearn More →
Free application review with same-day answers. We look at your credit, income, and goals — no cost, no obligation, no pressure.
FHA vs. Conventional vs. USDA vs. KHC — run side by side with your actual numbers so you see the real payment before you commit.
Guided from contract to closing — appraisal, title, and underwriting coordinated so you always know what happens next.

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 →
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.
Kentucky Housing Corporation Special Offer
Effective July 15, 2025 - Only 180 borrowers will receive this grant!
Grant money that doesn't need to be repaid - reduces your closing costs significantly
Available for home purchases only - perfect for first-time homebuyers
Can be combined with KHC Down Payment Assistance for maximum savings
Only 180 grants available - funds will be updated weekly until exhausted
Contact Joel Lobb - Your Kentucky Mortgage Expert
kentuckyloan@gmail.com
502-905-3708
www.mylouisvillekentuckymortgage.com
911 Barret Ave.
Louisville, KY 40204
Kentucky Mortgage Loan Expert For Kentucky FHA, VA, USDA, Fannie Mae and KHC Down Payment Assistance Loans
Joel Lobb - Personal NMLS# 57916
Evo Mortgage - Company NMLS# 1738461
Kentucky Mortgage Loan Only
www.nmlsconsumeraccess.org
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.