Louisville Kentucky Mortgage Lender for FHA, VA, KHC, USDA and Rural Housing Kentucky Mortgages

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Start My Pre-Approval →📞 Call / Text 502-905-3708

★★★★★ 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.

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

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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 Welcome Home Grant 2026 Is Closed: What Kentucky Home Buyers Can Use Now

- May 26, 2026

Updated May 2026 • Kentucky Home Buyer Alert Kentucky Welcome Home Grant 2026 Is Closed: What Kentucky Home Buyers Can Use Now The 2026 Kentucky Welcome Home Grant through FHLB Cincinnati is now closed for new buyers. If you were counting on the Welcome Home Grant for down payment or closing cost help, you still may have workable options. Kentucky home buyers can still look at KHC down payment assistance, USDA zero down loans, VA zero down loans, FHA loans with 3.5% down, seller-paid closing costs, and conventional 3% down programs. Call/Text 502-905-3708 Email Joel Start Pre-Qualification Important Update: The 2026 Welcome Home Grant Is Closed The official FHLB Cincinnati Welcome Home Program page currently states that the 2026 Welcome Home Program is closed. That means Kentucky buyers should not build a purchase plan around new Welcome Home Grant funds being available right now. For many buyers, the right ...

Kentucky Down Payment Assistance 2026: Every Program Compared

- March 19, 2026

Last updated: July 2026 · Joel Lobb , Mortgage Loan Officer, NMLS #57916 — 20+ years in Kentucky mortgages, 1,300+ families closed. Short answer: Kentucky buyers have six realistic ways to cover a down payment and closing costs in 2026. KHC down payment assistance (up to $12,500, statewide, repayable) is the workhorse. Louisville and Lexington run their own local grant and forgivable programs. The Welcome Home Grant pays $20,000 — $25,000 for veterans — but only during an annual funding round. VA and USDA loans need no down payment at all. And seller-paid closing costs are the most overlooked option, because nothing is ever repaid. Which combination is right depends on your county, your income, and whether you can carry a second mortgage payment. Most Kentucky buyers are told about one program — whichever one the loan officer sells most of. This page compares all of them honestly, including which ones you repay, which are limited to certain ...

Kentucky FHA Loan Lender Requirements for Approval

- December 17, 2025

How to Qualify for a Kentucky FHA Loan Approval: If you're looking to buy a home in Kentucky and are considering a Kentucky FHA loan , it's essential to understand the qualifying criteria and the necessary steps. This article covers all the crucial aspects you need to know, from c redit scores, bankruptcy, work history, collections, closing, home insurance, title, debt ratio , down payment and other required documents for pre-approval for a Kentucky FHA loan pre-approval letter . Credit Score for Kentucky FHA loan For an FHA loan in Kentucky, the minimum credit score requirement is typically 580 for maximum financing with a 3.5% down payment. If your score is between 500 and 579, you may still qualify, but you will need a higher down payment of at least 10%. Any judgments or collections on the credit report must be resolved or satisfactorily explained. Collections do not have to be paid but they will count them in your debt to income ratio. If they are judgements, they will h...