:root { –ink:#0b1320; –muted:#465066; –brand:#0f766e; –accent:#e6f7f5; –ring:#b8ede7; } .ky-wrap{color:var(–ink);font-family:system-ui,-apple-system,Segoe UI,Roboto,Ubuntu,Cantarell,”Helvetica Neue”,Arial,”Noto Sans”,sans-serif;} .ky-wrap header{padding:2rem 0 1rem;} .ky-wrap h1{font-size:clamp(1.6rem,2.4vw+1rem,2.4rem);margin:.2rem 0 .5rem} .ky-sub{color:var(–muted);margin:0 0 1rem} .ky-badge{display:inline-block;background:var(–accent);color:var(–brand);padding:.35rem .6rem;border-radius:.5rem;font-size:.8rem;border:1px solid var(–ring)} .ky-cta{display:flex;gap:.75rem;flex-wrap:wrap;margin:1.25rem 0} .ky-cta a{text-decoration:none;border:1px solid var(–brand);padding:.65rem 1rem;border-radius:999px} .ky-cta .primary{background:var(–brand);color:#fff} .ky-cta .ghost{background:#fff;color:var(–brand)} .ky-toc{background:#fbfbfc;border:1px solid #edf0f4;border-radius:12px;padding:1rem;margin:1rem 0} .ky-toc a{text-decoration:none;color:var(–brand)} .ky-main h2{font-size:1.4rem;margin-top:2rem} .ky-main h3{font-size:1.1rem;margin-top:1rem} .ky-note{background:#fcfdfd;border:1px dashed #d7e5ec;padding:.9rem 1rem;border-radius:10px;color:#213244} .ky-grid{display:grid;gap:1rem} @media(min-width:860px){ .ky-cols-2{grid-template-columns:1fr 1fr} } table.ky-table{width:100%;border-collapse:collapse;margin:1rem 0} .ky-table th,.ky-table td{border:1px solid #e9edf2;padding:.65rem;text-align:left;font-size:.95rem} .ky-table th{background:#f5f7fa} .ky-infobox{border:1px solid #e3eef0;border-radius:12px;padding:1rem;background:#f9fefe} .ky-imgwrap{border:1px solid #e8eef1;border-radius:12px;padding:8px;background:#fff;margin:1rem 0} .ky-kicker{font-size:.95rem;color:#57627a} .ky-tag a{display:inline-block;margin:.2rem .4rem .2rem 0;font-size:.85rem;color:#1c293b;background:#eff4f7;border:1px solid #dde6ee;border-radius:999px;padding:.25rem .55rem;text-decoration:none} .ky-callout{background:#fff;border-left:4px solid var(–brand);padding:.9rem 1rem;border-radius:8px;border:1px solid #eaf1f2} /* Infograph tiles */ .infograph{background:#ffffff;border:1px solid #e8eef1;border-radius:14px;padding:12px;margin:12px 0} .infograph .kpi-grid{display:grid;grid-template-columns:repeat(auto-fit,minmax(180px,1fr));gap:10px} .infograph .kpi{border:1px solid #e9edf2;border-radius:12px;padding:.75rem;background:#fff} .infograph .kpi .eyebrow{letter-spacing:.06em;font-size:.72rem;text-transform:uppercase;color:#6a758a;margin-bottom:.25rem} .infograph .kpi strong{display:block;font-size:1.05rem} .infograph .kpi span{display:block;font-size:.9rem;color:#57627a} .ky-download a{text-decoration:none;border:1px solid var(–brand);padding:.5rem .85rem;border-radius:999px;color:var(–brand);display:inline-block;margin-right:.5rem} .ky-disclaimer{font-size:.9rem;color:#5b667a;background:#fbfbfd;border-top:1px solid #eef2f7;padding:1.25rem;margin-top:2rem} { “@context”: “https://schema.org”, “@type”: “Article”, “headline”: “Kentucky Mortgage Approval With No Credit Score (FHA, VA, USDA, Conventional)”, “description”: “How Kentucky buyers get approved with no credit score across FHA, VA, USDA, and Conventional. Clear rules, checklists, and next steps.”, “author”: {“@type”:”Person”,”name”:”Joel Lobb”}, “publisher”: {“@type”:”Organization”,”name”:”EVO Mortgage”}, “datePublished”: “2025-08-27”, “dateModified”: “2025-08-27” } { “@context”: “https://schema.org”, “@type”: “FAQPage”, “mainEntity”: [ {“@type”: “Question”,”name”: “Can I buy a house in Kentucky with no credit score?”,”acceptedAnswer”: {“@type”: “Answer”,”text”: “Yes. VA, FHA, and USDA allow no‑score borrowers on purchases with manual underwriting and documented non‑traditional credit. Conventional loans may also work when AUS or manual underwriting requirements are met, often with a co‑borrower who has a score.”}}, {“@type”: “Question”,”name”: “FHA: What are the DTI limits if I have no score?”,”acceptedAnswer”: {“@type”: “Answer”,”text”: “When all borrowers have no score, FHA loans are manually underwritten with typical caps around 31/43. If one borrower has a 580+ score and strong compensating factors, ratios can stretch to ~40/50 per HUD rules.”}}, {“@type”: “Question”,”name”: “FHA: What non‑traditional credit do I need?”,”acceptedAnswer”: {“@type”: “Answer”,”text”: “Usually 3 non‑traditional tradelines (rent, utilities, phone/Internet, insurance) each with 12 months on‑time payments. If living rent‑free, a rent‑free letter may be used in place of rent history.”}}, {“@type”: “Question”,”name”: “VA: Can I be approved with no score? What about residual income?”,”acceptedAnswer”: {“@type”: “Answer”,”text”: “Yes. VA allows manual underwriting. If DTI is over 41%, lenders must show the household meets at least 120% of the VA residual‑income benchmark for family size and region.”}}, {“@type”: “Question”,”name”: “VA: Do I need a down payment or is there a loan cap?”,”acceptedAnswer”: {“@type”: “Answer”,”text”: “Eligible Veterans often have $0 down with sufficient entitlement. There’s no formal maximum loan amount with full entitlement, though investor overlays may apply.”}}, {“@type”: “Question”,”name”: “USDA: How does underwriting work with no score?”,”acceptedAnswer”: {“@type”: “Answer”,”text”: “USDA uses GUS or manual underwriting. When there is no score, lenders document non‑traditional credit per HB‑1‑3555 Chapter 10 and follow program ratios (commonly 29/41 unless GUS permits otherwise).”}}, {“@type”: “Question”,”name”: “USDA: Do I need 12 months of rent history?”,”acceptedAnswer”: {“@type”: “Answer”,”text”: “If rent is available, lenders verify 12 months and add at least one more non‑traditional tradeline. If no rent history exists, three non‑traditional tradelines are typically required.”}}, {“@type”: “Question”,”name”: “Conventional (Fannie Mae): Can I qualify if my co‑borrower has a score?”,”acceptedAnswer”: {“@type”: “Answer”,”text”: “Often yes. Fannie Mae allows loans when one or more borrowers lack a score if an acceptable non‑traditional credit history is established and Selling Guide requirements are met. DU generally requires at least one borrower with a score; loans with no scores may require manual underwriting.”}}, {“@type”: “Question”,”name”: “Conventional (Freddie Mac): What if I have no usable credit score?”,”acceptedAnswer”: {“@type”: “Answer”,”text”: “Freddie Mac permits LPA Accept loans where not all borrowers have a usable score, and provides guidance for borrowers without credit scores, subject to specific limits (for example, fixed rate and LTV/TLTV/HTLTV up to 95%).”}}, {“@type”: “Question”,”name”: “What should I avoid right before I apply?”,”acceptedAnswer”: {“@type”: “Answer”,”text”: “Avoid opening new credit, large cash deposits without paper trails, late payments on any bills, or job changes without discussing first. Keep balances low and documents organized.”}} ] }