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Showing posts with the label USDA Rural Development

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.

💬 Get Pre-Qualified

Free application review with same-day answers. We look at your credit, income, and goals — no cost, no obligation, no pressure.

📋 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.

🏠 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.

▶ 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 USDA Rural Housing Mortgage Lender: USDA Rural Housing Loan helps elderly woman become...

- October 15, 2020

Kentucky USDA Rural Housing Mortgage Lender: USDA Rural Housing Loan helps elderly woman become... : USDA helps elderly WV woman become a first-time homeowner : One 71-year-old woman from St. Albans is finally a homeowner thanks to a pr...

October 2012 Kentucky USDA and Rural Housing Loans Changes for Property Eligibility Locations in Kentucky.

- May 27, 2013

October 2012 Kentucky USDA and Rural Housing Loans Changes for Property Eligibility Locations in Kentucky. October 1, 2012 over 900 communities across the USA will lose their eligibility for 100% USDA Rural Housing loans including cities in Kentucky that where once eligible. If you know of buyers looking in these communities they need to act now. They should probably be under contract by end of August to be safe. There is no indication this expiration will be delayed. See the cities below that will be no longer eligible come 10/1/2012 for a Rural Housing USDA Loan in Kentucky No Longer Eligible for Kentucky RHS USDA Loans come 10/1/2012 below: Bardstown, KY, Nelson County Burlington, KY, Boone County Elizabethtown, KY, Hardin County Georgetown, KY, Scott County Independence, KY, Kenton County Nicholasville , KY, Jessamine County ...

The Rural Housing Bubble

- March 05, 2013

The Rural Housing Bubble The Rural Housing Bubble USDA program’s mismanagement led to nine-figure losses, IG report says BY: Lachlan Markay March 4, 2013 3:40 pm A federal program that guarantees home loans to rural borrowers has seen taxpayer losses and foreclosure rates skyrocket, problems federal watchdogs attribute to bureaucratic mismanagement but others say are more fundamental. President Barack Obama used $10.5 billion in stimulus funds in 2009 to increase federal spending on the U.S. Department of Agriculture’s (USDA) Single Family Housing Guaranteed Loan Program. USDA spent $27.8 billion on the program, which reimburses private lenders for up to 90 percent of the cost of default for loans made to low- and moderate-income borrowers in rural areas, in the four fiscal years ending in 2011. The department’s loss claims—its reimbursements for loans in default—increased dramatically in recent years, according to a recent report fro...

Kentucky USDA Loans vs Louisville Kentucky FHA Loans.

- July 13, 2012

Kentucky USDA Mortgage Loans Q: Differences between Rural Development and FHA Loans? A: What is an Kentucky FHA loan? An Kentucky FHA loan is a loan that is made by a bank but insured by the Federal Housing Administration (FHA). The FHA guarantees the bank who lends the money in case of loan default. Kentucky FHA loans require 3.5% down payment and will allow for the seller to pay some closing costs thru a process called ‘seller concessions.’ Seller concessions are limited to 6% of the sale price. Kentucky FHA loans have a mortgage insurance premium of 1.75% of the loan balance financed into the loan. Additionally, FHA loans carry a monthly mortgage insurance premium of 1.35% (in other words, you pay an additional $112.50 a month for ever $100,000 financed). FHA loans have lending limits based on the county you live in, and generally require a 620-640 or greater credit score. No bankruptcies in last 2 years and no foreclosures in l...

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