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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 →

How to Get Approved for a Mortgage Loan in Kentucky (2026 Guide)

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How to Get Approved for a Mortgage Loan in Kentucky 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 credit-challenged ...
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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.
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Kentucky mortgage video guide thumbnail
▶ 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: Kentucky USDA Rural Housing Eligibility Map for 2024

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Kentucky USDA Rural Housing Mortgage Lender: Kentucky USDA Rural Housing Eligibility Map for 2024 : Kentucky USDA Rural Housing Map How to determine if property is in an eligible USDA area in Kentucky  Kentucky USDA Property Eligibil...
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Kentucky VA loans Compared to Kentucky USDA, FHA, and Fannie Mae loans i...

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Mortgage Loan Options After Bankruptcy in Kentucky

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mortgage,chapter 7,chapter 13,bankruptcy,fha loan,usda loan,va loan,kentucky,mortgage lender,fha lender,bankruptcy lender,bad credit,fico score,home loan,house kentucky,first time home buyer,louisville,lexington,bowling green,northern kentucky,southern kentucky
Location: 10602 Timberwood Cir #3, Louisville, KY 40223, USA
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How to Figure Rental Income for a Kentucky FHA, VA, USDA and Conventional Mortgage Loans

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  Did you know that each agency has different requirements for using rental income from the borrower’s departing residence to qualify?  Please see the guidelines below and let us know if you have any questions.     Conventional Rental income can be considered for qualifying purposes using 75% of the current lease agreement.   Documentation requirements: Fannie Mae – Current signed lease agreement Freddie Mac - Current signed lease agreement AND  documentation evidencing deposit of first month rental payment and security deposit   FHA FHA Must be relocating 100 Miles from departure home.   Appraisal evidencing market rent and that borrower has 25% equity.  Does not need to be done by FHA appraiser. Executed Lease agreement of at least one year’s duration after loan close. Proof of receipt of security deposit or First Month’s Rent. Mortgagee must deduct the PITI from the lesser of: the monthly operating income reported on Fannie Mae Form 216/Fr...
Location: 10602 Timberwood Cir #3, Louisville, KY 40223, USA
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Utilizing rental income from the previous home to qualify for the new mortgage in Kentucky FHA, VA, Fannie Mae

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  Kentucky FHA, VA, and Fannie Mae Conventional Mortgage rules for rental income Today's borrowers often wish to retain their existing homes when purchasing a new primary residence. Many questions arise about utilizing rental income from the previous home to qualify for the new mortgage. To clarify the guidelines, we've compiled the pertinent information below. FHA Must be relocating 100 Miles from departure home.   Appraisal evidencing market rent and that borrower has 25% equity.  Does not need to be done by FHA appraiser. Executed Lease agreement of at least one year’s duration after loan close. Proof of receipt of security deposit or First Month’s Rent. Mortgagee must deduct the PITI from the lesser of: the monthly operating income reported on Fannie Mae Form 216/Freddie Mac Form 998; or 75 percent of the lesser of: fair market rent reported by the Appraiser; or the rent reflected in the lease or other rental agreement. Conventional Executed long term Lease which...
Location: 10602 Timberwood Cir #3, Louisville, KY 40223, USA
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KENTUCKY USDA RURAL HOUSING APPROVAL GUIDE FOR A MORTGAGE

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Joel Lobb   Mortgage Loan Officer American Mortgage Solutions, Inc. 10602 Timberwood Circle Louisville, KY 40223 Company NMLS ID #1364 Text/call: 502-905-3708 email:   kentuckyloan@gmail.com http://www.mylouisvillekentuckymortgage.com/ NMLS 57916  | Company NMLS #1364/MB73346135166/MBR1574  
Location: 10602 Timberwood Cir #3, Louisville, KY 40223, USA
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How to Qualify For A Kentucky Mortgage Loan

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4 Things Required for a KY Mortgage Loan Approval Understanding Mortgage underwriting guidelines     All lending institutions have different Underwriting Guidelines set in place when reviewing a borrower's financial history to determine the likelihood of receiving on-time payments. The primary items reviewed are the following 5 areas below: 1. Income 2. Debt 3. Credit History 4. Savings 5. Debt vs Income Ratio Income Income is one of the most important variables a lender will examine because it is used to repay the loan. Income is reviewed for the type of work, length of employment, educational training required, and opportunity for advancement. An underwriter will look at the source of income and the likelihood of its continuance to arrive at a gross monthly figure. Salary and Hourly Wages - Calculated on a gross monthly basis, prior to income tax deductions. Part-time and Second Job Income - Not usually considered unless it is in place for 12 to 24 straight months. Lend...
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