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 →

VA Residual Income Chart 2026: Requirements by Family Size

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Louisville Kentucky VA Residual Income Guidelines Residual Income VA residual income is one of the major underwriting guidelines required to qualify for a Louisville Ky VA mortgage. Residual income is calculated by determining the gross monthly income of the veteran and spouse. Then, ... deduct from that total gross monthly income the following monthly expenses: 0 State Taxes Social Security Federal Taxes Proposed new monthly house payment (PITI: principle, interest, taxes and insurance) Estimated Maintenance and Utilities Monthly Child Care Expense Alimony or Child Support Monthly consumer debt payments: installment and revolving credit cards The balance remaining is "residual income" and will determine whether the borrower qualifies based on the table below. Louisville Ky VA's minimum residual incomes (balance available for family support) are a guide. They should not automatically trigger approval or rejection of a loan. Inst...
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 →

Kentucky Homebuyers: Big News! $12,500 Down Payment Assistance

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Kentucky homebuyers — big news! For a limited time, you can get up to $12,500 in down payment assistance through the Kentucky Housing Corporation.


From August 21st through November 30th, KHC has boosted its assistance from $10,000 to $12,500. That’s more cash to cover your down payment, closing costs, and even prepaids.


This program works with FHA, VA, USDA, and Conventional loans. First-time and repeat buyers may qualify, with a minimum credit score of just 620


Example: On a $200,000 home, your down payment and closing costs could total $12,500. With KHC, you could buy with little to no money out of pocket.


Here’s how it works: check your credit, verify income, and apply through a KHC-approved lender. Funds are limited, so reserving early is key

Don’t miss out — this $12,500 program ends November 30th. Contact Joel Lobb at EVO Mortgage today to get pre-approved and lock in your assistance




Joel Lobb – EVO Mortgage

NMLS 57916 | EVO Mortgage NMLS 1738461

📞 502-905-3708

📧 kentuckyloan@gmail.com




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

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