I specialize in Kentucky First Time Homebuyers FHA, VA, USDA & Rural Housing, KHC and Fannie Mae mortgage loans. I have helped over 1300 Kentucky families buy their first home or refinance their current mortgage for a lower payment; Kentucky First time buyers we still how available down payment assistance with KHC. Free Mortgage applications/ same day approvals. Web site is not endorsed by the FHA, VA, USDA govt agency. Text/call 502-905-3708 kentuckyloan@gmail.com NMLS 57916 NMLS 1738461
Why Your Credit Score Matters for a Kentucky Mortgage | FHA, VA, USDA, K...
FHA Loans
Often 580+ for 3.5% down
Lower scores may require more money down or additional review
VA Loans
No official VA minimum score
Most lenders look for 580–620+
No monthly mortgage insurance
USDA Rural Housing Loans
100% financing for eligible rural areas in Kentucky
Automated approval often starts around 640
Lower scores may still be possible with manual underwriting
Conventional Loans (Fannie Mae / Freddie Mac)
Generally 620+ minimum
Higher scores can improve pricing and approval options
Kentucky Housing Corporation (KHC) Programs
Often paired with FHA, VA, USDA, or Conventional loans
Many programs start around 620+, depending on the product
If you are a Kentucky first-time homebuyer or relocating to Kentucky and want a clear, honest review of your credit and loan options, this video will give you a realistic picture of how lenders actually underwrite mortgage files.
If you want to check your options or review your credit safely, reach out directly.
Contact Information
Joel Lobb
Mortgage Broker
NMLS 57916 | Company NMLS 1738461
Equal Housing Lender
WWW.NMLSCONSUMERACCESS.ORG
Phone: 502-905-3708
Email: kentuckyloan@gmail.com
Helpful Resources⭐⭐⭐⭐⭐👇
https://www.mylouisvillekentuckymortg...
Subscribe for weekly Kentucky mortgage updates, first-time homebuyer education, and 2025–2026 loan guideline changes.
#KentuckyMortgage
#KentuckyHomeBuyer
#FHALoan
#USDALoan
#VALoan
Ask
Why Work With Me?
Local Expertise: I know the ins and outs of Kentucky’s housing market and loan programs.
Fast Approvals: I offer free mortgage applications with same-day approvals to keep the process moving quickly.
Customized Loan Solutions: Whether you’re buying a home or refinancing, I’ll find the right loan program to fit your needs.
Personalized Service: I treat every client like family, ensuring you’re supported and informed throughout the process.
About My Website
Visit my website for a wealth of resources tailored to Kentucky homebuyers. You’ll find:
Step-by-step guides for first-time homebuyers.
Information on loan programs like FHA, VA, USDA, and KHC.
Tools to help you calculate potential payments and affordability.
Blog posts with tips and updates on the Kentucky housing market.
A secure portal to start your loan application and upload documents.
Please Note: My website is not endorsed by the FHA, VA, USDA, or any government agency. It is an independent platform created to educate and assist homebuyers with expert advice and accessible tools.