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
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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...
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