Kentucky FHA, VA, and USDA loans for purchase, refinance, and renovations, and we now allow credit scores down to 580.

Kentucky First Time Homebuyers government mortgage programs offer expanded qualifying criteria for people with lower incomes or less-than-perfect credit.

Our expansive product set includes various Kentucky FHA, VA, and USDA loans for purchase, refinance, and renovations, and we now allow credit scores down to 580.

Other key features and benefits include:

Kentucky FHA Loans 3.5% down payment from borrower or other approved source1 Up to 6% seller’s concessions 580 credit score minimum Streamline and cash-out refinance options No reserves with most transactions AUS with TOTAL Mortgage Scorecard Kentucky VA loans Purchase, cash-out refinance, and Interest Rate Reduction Refinancing Loans (IRRRL) 100% loan-to-value available All closing costs may be paid by the seller No monthly mortgage insurance No prepayment penalty, and loan is assumable Kentucky USDA Mortgage Loans No down payment or reserves required 580 credit score minimum Financing available for closing costs and prepaid expenses2 Up to 6% interested party contributions