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 →
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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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 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 homeowners and buyers using USDA financing
  • FHA and conventional borrowers still paying mortgage insurance

What Is Happening With Buyers

According to the National Association of Realtors, pending home sales fell 7.3% in September, the lowest reading since NAR began tracking the index in 2001. Fewer buyers competing can mean more room to negotiate seller concessions or a rate buydown.

My Honest Take

Lower closing costs help. Lower rates help more. This order alone will not fix affordability, but if it moves forward, it could make refinancing realistic for many Kentucky families sooner than expected. Until the final version is signed and the agencies publish guidelines, nobody can say exactly who qualifies or how much you could save.

Want to Know Where You Stand?

I am happy to review your current loan and tell you plainly whether a refinance may make sense now or whether it is better to wait.

Call or text Joel Lobb: 502-905-3708
kentuckyloan@gmail.com · Start your pre-qualification

Read more: Kentucky Mortgage Blog coverage of the draft order

Joel Lobb, Mortgage Broker, EVO Mortgage · NMLS #57916 · Company NMLS #1738461 · 911 Barret Ave, Louisville, KY 40204 · Licensed in Kentucky · Equal Housing Lender. This is not a commitment to lend. All loans are subject to credit approval and program requirements. Proposed policies are not final and may change. Not endorsed by FHA, VA, USDA, KHC, or any government agency. nmlsconsumeraccess.org

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