★★★★★ 80+ Five-Star Google Reviews · Same-Day Pre-Approvals · 1,300+ Kentucky Families Helped · All 120 Counties
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.
Kentucky Disabled Veteran Property Tax Exemption: What Homeowners Need to Know in 2026 Updated for 2026: Kentucky does not automatically eliminate all property taxes for disabled veterans. However, eligible disabled homeowners—including qualifying totally disabled veterans—may receive a substantial reduction through Kentucky’s Homestead Exemption. alt="Kentucky disabled veteran property tax exemption explained" title="Kentucky Disabled Veteran Property Tax Exemption" loading="eager" width="1200" height="675" style="max-width:100%; height:auto; border-radius:10px;" > Kentucky’s Homestead Exemption can reduce the taxable value of an eligible homeowner’s primary residence. Does Kentucky waive property taxes for disabled veterans? Kentucky generally does not completely waive property taxes for d...
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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.
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.
Zero Down Kentucky Mortgage Loans — Louisville & Statewide
Yes, 0% down is possible in Kentucky. Compare USDA Rural Housing and VA home loans for true zero down options, plus Kentucky Housing Corporation (KHC) assistance and FHA + DAP combos to reduce closing costs.
USDA requires eligible property locations and household income within county limits; VA is for eligible veterans/service members. Many buyers in Louisville’s surrounding counties qualify; we confirm in minutes.
Can I combine KHC assistance with USDA or VA?
You can often use KHC to offset closing costs with USDA and VA. We’ll structure your file to minimize cash to close using seller and lender credits where allowed.
What credit score do I need?
USDA/VA approvals are AUS-based; scores of 620+ are frequently competitive. Overall file strength (income stability, payment history, reserves) matters.
Are there income or location limits?
USDA has both; VA does not have location limits. We check the USDA map and county income caps during pre-approval.
How fast can I close?
With complete docs, many 0% down loans close on a standard timeline similar to FHA/conventional. Appraisal and title turn times drive the calendar.
NMLS #57916 | Company NMLS #1738461 | Equal Housing Lender
First-Time Homebuyers in Kentucky: Buy Your Home with $0 Down!
Dreaming of owning your first home but worried about the down payment? You’re not alone—and I’ve got great news! In Kentucky, there are programs designed just for first-time buyers like you, offering 100% financing with no money down. Let’s break it down:
USDA loans are backed through the Rural Housing Division of the U.S. Dept. of Agriculture. They are available to millions of eligible primary home buyers with low to moderate incomes or scarce funds for down payments.
Features, benefits and things you need to know:
Zero Down - No down payment is required for Kentucky USDA loans. Thirty-year, fixed-rate loans with no pre-payment penalty are the norm. Rates are very competitive with conventional loans.
Eligible Property - These loans are limited to "rural" areas, though you might be surprised by some of the suburbs of major metropolitan areas that qualify as rural.
Homes should be modest in size and cost and constructed per local codes and regulations.
Eligible Borrowers - Funds are available for qualified borrowers who earn up to 115% of the area median income.
Even candidates who have had past credit issues with late pays, bankruptcies or foreclosure may be eligible. Borrower's income must support the proposed payments and meet the program requirements for approval. Primary occupancy is required. This program is not for investment properties.
Benefits - Minimum cash is needed to close. The USDA Guarantee Fee and some eligible closing costs may be financed. Gift money, grant money and seller contributions are allowed.
Veteran's Administration or "VA" loans are available for active, non-active and retired Army, Air Force, Marine, Navy, National Guard and Coast Guard vets who meet the established service requirements.
100% financing/No down payment
No monthly mortgage insurance (PMI)
Gift funds acceptable for closing costs
No cash reserve requirements
A variety of terms or loan types available
Available for purchase and refinance
Reduced costs for disabled veterans
Seller can pay for closing costs
Seller pays for any required repairs
No pre-payment penalty
No minimum credit score 2 years removed from bankruptcy or foreclosures
To determine your ability to participate in this program, just provide your Certificate of Eligibility (COE) or your Discharge/Separation form (DD214). If you do not have your COE, you can request one using form 26-1880.
Kentucky Down Payment Assistance Programs
From first-time buyers to current homeowners, many state, county and local housing agencies offer affordable loan programs with Down Payment Assistance (DPA), subject to availability of funds and credit qualifying.
Down payment assistance can vary with single products or sometimes can be a combination of products such as Mortgage Credit Certificates (MCC), Grants, DPA’s along with closing cost assistance and low interest rates and fees that can help individuals and families become successful homeowners.
All borrowers must qualify for an underlying mortgage product according to the Housing Finance Agency authority (FHA, VA, USDA or Conventional). Housing loan programs are then layered on top to provide additional benefits. If eligible, the borrower can also add a down payment and closing cost assistance to their loan according to individual program guidelines.
What state are you in? I assume Kentucky. I will help you gather more information if this is something you want to look into. The general terms are below:
KHC recognizes that down payments, closing costs, and prepaids are stumbling blocks for many potential home buyers. Here are several loan programs to help. Your KHC-approved lender can help you apply for the program that meets your need.
The total income for all occupants who will reside in the home is at or below 80 percent of the Mortgage Revenue Bond (MRB) limit for the county and state where the property is located;
A fully executed (signed by buyer and seller) purchase contract on an eligible property is in hand;
The homebuyer has at least $500 of their own funds to contribute towards down payment and/or closing costs; and,
If a first-time homebuyer (typically anyone who has not owned a home in the last three years), a satisfactory homebuyer counseling course is completed prior to the loan closing. Note: Applicants do not have to be first-time homebuyers.
Zero Down 100% Financing Mortgage Loans in Kentucky
Close loans in 20–30 days with $0 down payment. Don’t wait—see if your transaction qualifies today!
100% financing — no money down required
No cash reserves or seasoning needed to qualify
Seller-paid closing costs allowed
Fixed interest rates for stability and peace of mind
Eligible for both new construction and existing homes
Programs offered through:
Kentucky Housing Corporation (KHC)
VA Home Loan Program (for eligible veterans)
USDA Rural Development Mortgage Program
Our underwriters specialize in 100% financing mortgage loans in Kentucky. Enjoy quick turn times and work with a local expert who knows your market.
✅ Hosting kentucky first-time homebuyer seminars ✅ Credit scores starting at 580 for FHA/VA/USDA Kentucky Mortgage Loans ✅ 620+ scores qualify for KHC Down Payment Assistance Down payment Assistance 5% grant!
🎥 Watch this quick video to learn how 100% financing works in Kentucky to buy a house in Kentucky going no money down with the KHC, VA, USDA and Down payment Assistance 5% grant!
If you are an individual with disabilities who needs accommodation, or you are having difficulty using our website to apply for a loan, please contact us at 502-905-3708.
Disclaimer: No statement on this site is a commitment to make a loan. Loans are subject to borrower qualifications, including income, property evaluation, sufficient equity in the home to meet Loan-to-Value requirements, and final credit approval. Approvals are subject to underwriting guidelines, interest rates, and program guidelines and are subject to change without notice based on applicant's eligibility and market conditions. Refinancing an existing loan may result in total finance charges being higher over the life of a loan. Reduction in payments may reflect a longer loan term. Terms of any loan may be subject to payment of points and fees by the applicant Equal Opportunity Lender. NMLS#57916http://www.nmlsconsumeraccess.org/
How to Get Approved for a Mortgage Loan in Kentucky (2026 Guide) Thank you for visiting. I hope you find this website both informative and empowering as you explore your Kentucky mortgage options. My goal is simple: help you understand what mortgage underwriters actually review, help you avoid preventable approval issues, and help you choose the right loan program for your situation. I specialize in assisting Kentucky first-time homebuyers with FHA, VA, USDA Rural Housing, KHC down payment assistance , and Fannie Mae conventional mortgage loans . I proudly serve all 120 counties in Kentucky. FHA Loans in Kentucky VA Loans in Kentucky USDA Rural Housing Loans in Kentucky Fannie Mae Conventional Loans KHC Down Payment Assistance Programs With over 20 years of lending experience, I've had the privilege of helping more than 1,300 Kentucky families buy a home or refinance their current mortgage. Whether you are a first-time buyer, a veteran, a USDA buyer, a credi...
Kentucky Welcome Home Grant 2026 Update: Program Closed and Out of Funds May 2026 update for Kentucky homebuyers: the 2026 Welcome Home Grant is now closed for new reservations. This does not mean you cannot buy a home. It means you need to pivot quickly to other Kentucky mortgage and down payment assistance options. May 2026 Update Welcome Home Grant Closed KHC DAP Still Available USDA, VA, FHA Options Important Update: The 2026 Welcome Home Grant Is Closed The 2026 Welcome Home Grant through FHLB Cincinnati is now closed and out of funds for new reservations . If your lender did not reserve the money before the program closed, you should not build your home purchase plan around receiving this grant for 2026. The hard truth: this grant was popular, limited, and first-come, first-served. Once the available funds were reserved, the program closed. Good News: Kentucky Buyers Still Have Options ...
Using a Pastor / Minister’s housing allowance to qualify for a mortgage Member of the Clergy Income for A Mortgage Loan Approval Where a borrower is a member of the clergy, all of the following will be required to document income: 1) Most recent year full tax return, 2) Most recent pay stubs, 3) W-2s, 4) Contract from the church to determine benefits. The IRS looks at the housing allowance portion of a pastor’s income as an exclusion from income. Therefore the housing allowance is not reported on the personal tax returns as taxable income. Even though it is not reported on the tax returns, a pastor’s housing allowance can be used in qualifying for a mortgage loan to purchase or refinance a home. As long as we can document the receipt of the housing income through a signed letter from the church/employer stating the actual breakdown of the pay and by providing copies of the checks received, we should be able to count the housing allowance as incom...
