05/05/202605/05/2026 Kentucky Mortgage Broker Offering FHA, VA, USDA, Conventional, and KHC Down Payment Assistance Home Loans 100% Financing

Top Kentucky Mortgage Broker for First-Time Homebuyers

Top Kentucky Mortgage Broker for First-Time Homebuyers in 2026

Last updated May 5, 2026

Joel Lobb Kentucky mortgage broker helping first-time homebuyers with FHA VA USDA KHC and conventional home loans

If you are buying your first home in Kentucky, the right mortgage approval strategy matters. FHA, VA, USDA Rural Housing, Kentucky Housing Corporation down payment assistance, and conventional loan programs all have different credit, income, down payment, and property requirements.

I’m Joel Lobb, Senior Loan Officer with EVO Mortgage. I specialize in helping Kentucky first-time homebuyers compare FHA, VA, USDA, KHC, and conventional mortgage options so they can get pre-approved before shopping for a home.

Get Pre-Approved for a Kentucky Mortgage

Talk directly with Joel Lobb about FHA, VA, USDA, KHC down payment assistance, and conventional mortgage options for Kentucky homebuyers.

Call/Text: 502-905-3708
Email: kentuckyloan@gmail.com
Apply Online: Start your free Kentucky mortgage pre-approval

Joel Lobb | NMLS #57916
EVO Mortgage | Company NMLS #1738461
Equal Housing Lender | Not affiliated with FHA, VA, USDA, HUD, KHC, Fannie Mae, Freddie Mac, or any government agency.

Quick Answer: Best Kentucky Mortgage Options for First-Time Homebuyers

There is no one-size-fits-all mortgage program for every Kentucky first-time homebuyer. The best loan depends on your credit score, income, debt-to-income ratio, military eligibility, property location, available savings, and long-term payment goals.

FHA loans may work well for buyers with limited savings or lower credit scores.
VA loans may be one of the strongest options for eligible Veterans, active-duty service members, and qualifying surviving spouses.
USDA Rural Housing loans may offer 100% financing in eligible rural or suburban areas.
KHC Regular DAP may help eligible Kentucky buyers cover down payment, closing costs, and prepaid expenses.
Conventional loans may be a better long-term fit for buyers with stronger credit and stable income.

The goal is not to force every borrower into the same loan program. The goal is to structure the cleanest approval with the lowest realistic cash-to-close and the best long-term payment strategy.

Why Work With a Kentucky Mortgage Broker?

Many large banks offer only their own in-house mortgage products. That may work if your loan file fits perfectly into their box, but many Kentucky first-time homebuyers need more flexibility.

Common Kentucky first-time homebuyer situations include:

Lower credit scores or recent credit rebuilding
Limited savings for down payment and closing costs
Overtime, bonus, part-time, self-employed, or variable income
Student loan payments affecting debt-to-income ratio
USDA property eligibility questions
VA Certificate of Eligibility and entitlement questions
KHC down payment assistance structuring
Prior bankruptcy, foreclosure, collections, or disputed credit accounts

As a Kentucky mortgage broker, I can compare multiple lending options and help match the borrower to the right underwriting lane. That can make a major difference when a buyer has good income but needs the right program structure.

Kentucky FHA Loans for First-Time Homebuyers

FHA loans remain one of the most common mortgage options for Kentucky first-time homebuyers because they allow flexible credit guidelines and a low down payment.

FHA Loan Highlights for 2026

3.5% down payment may be available with a 580 or higher credit score.
Credit scores from 500 to 579 require 10% down under FHA’s minimum eligibility rules, although many lenders have higher overlays.
FHA requires mortgage insurance, including upfront mortgage insurance and monthly mortgage insurance.
The property must generally be the borrower’s primary residence.
Seller concessions may be used toward allowable closing costs and prepaid expenses, subject to FHA limits.

FHA can be a strong fit for buyers who have stable income but are still rebuilding credit or do not have a large down payment saved.

Helpful resource: Kentucky FHA Loans for First-Time Homebuyers

Kentucky VA Loans for Eligible Veterans and Service Members

For eligible Veterans, active-duty service members, National Guard or Reserve members, and certain surviving spouses, a VA loan can be one of the strongest mortgage programs available.

VA Loan Highlights

Typically no down payment required.
No private mortgage insurance.
Competitive interest rate options.
Flexible underwriting for eligible borrowers.
Reusable benefit for qualified borrowers.

A VA loan still requires approval. The borrower must meet credit, income, residual income, occupancy, and property requirements. The home also needs to meet VA appraisal and minimum property standards.

Helpful resource: Kentucky VA Mortgage Loan Questions

Kentucky USDA Rural Housing Loans

USDA Rural Housing loans can be a powerful option for Kentucky buyers who want no down payment and are purchasing in an eligible area.

USDA Loan Highlights

No down payment required for eligible borrowers and properties.
Property must be located in an eligible rural or suburban area.
Household income limits apply.
30-year fixed-rate financing.
Borrower must meet lender and USDA underwriting requirements.

Many Kentucky buyers are surprised to learn that USDA eligibility may include areas outside major city centers and some smaller communities near larger metro areas.

Helpful resource: Kentucky USDA Rural Housing Loans

KHC Down Payment Assistance in Kentucky

Kentucky Housing Corporation, often called KHC, offers down payment assistance options for qualified Kentucky homebuyers using a KHC first mortgage. For 2026, the key program to understand is KHC Regular DAP.

KHC Regular DAP Highlights for 2026

Assistance up to $12,500 in $100 increments.
Structured as a repayable second mortgage, not a free grant.
Repayable over a 15-year term.
Current published Regular DAP rate is 4.75%.
Available with eligible KHC first-mortgage loans.
May help cover down payment, closing costs, and prepaid expenses.

Important: KHC Regular DAP should not be marketed as a grant unless you are discussing a separate true grant program. For compliance and borrower expectations, describe it as a repayable second mortgage.

Helpful resource: Kentucky $12,500 KHC Down Payment Assistance Guide

Conventional and Fannie Mae Loan Options

Conventional financing may be a better long-term option for some Kentucky first-time homebuyers, especially those with stronger credit profiles and stable income.

Conventional loan advantages may include:

Low down payment options may be available.
Private mortgage insurance may be cancelable once sufficient equity is reached.
Strong option for buyers with higher credit scores.
May offer lower long-term mortgage insurance costs compared with FHA in certain scenarios.

Fannie Mae HomeReady may allow eligible borrowers to purchase with as little as 3% down, subject to income limits and program requirements.

Credit Score Requirements for Kentucky Homebuyers

Credit score requirements vary by loan program and lender. Mortgage lenders typically look at the middle mortgage FICO score, not the consumer credit scores shown on many free credit apps.

Consumer apps may use VantageScore or other scoring models that can be very different from the mortgage scores used for FHA, VA, USDA, KHC, or conventional approvals.

Common credit issues I review include:

Collections and charge-offs
Late payments
Credit card utilization
Disputed accounts
Medical collections
Thin credit files
Prior bankruptcy or foreclosure
Recent new debt or inquiries

The right credit strategy depends on the full credit profile. Sometimes paying down revolving balances helps. Sometimes removing disputes is required. Sometimes the buyer needs three to six months of credit rebuilding before a clean approval is realistic.

Helpful resource: Credit Scores Needed for Kentucky Mortgage Approval

Documents Needed for Mortgage Pre-Approval

For a serious pre-approval, be ready to provide documentation up front. A weak pre-approval can cost you a house. A strong pre-approval helps you shop with confidence.

Most recent 30 days of pay stubs
W-2 forms for the last two years
Most recent 30 to 60 days of bank statements
Driver’s license or government-issued ID
Retirement or 401(k) statement, if using those funds
Tax returns if self-employed, commission-based, or using certain types of income
VA Certificate of Eligibility, if applying for VA financing
Divorce decree, child support order, bankruptcy papers, or other special documentation if applicable

Helpful resource: Documents Needed for Mortgage Loan Approval

Closing Costs and Cash-to-Close Strategy

First-time homebuyers often focus only on the down payment, but closing costs and prepaid expenses matter too. Your total cash-to-close may include down payment, lender fees, title fees, appraisal, prepaid taxes, prepaid homeowners insurance, escrow setup, and other allowable charges.

Depending on the loan program, seller concessions, KHC Regular DAP, gift funds, or other eligible assistance may help reduce the amount you need to bring to closing.

Helpful resource: How to Buy a House in Kentucky With Zero Down

Helpful Kentucky First-Time Homebuyer Resources

Frequently Asked Questions

What is the best loan for Kentucky first-time homebuyers?

The best loan depends on your credit score, income, debt-to-income ratio, military eligibility, property location, and available funds. FHA, VA, USDA, KHC, and conventional loans may all be options depending on the borrower.

Is KHC down payment assistance a grant?

KHC Regular DAP is currently structured as a repayable second mortgage, not a grant. It may provide up to $12,500 for eligible borrowers using a KHC first mortgage.

Can I buy a home in Kentucky with no money down?

Possibly. VA and USDA loans may allow eligible borrowers to buy with no down payment. KHC down payment assistance may also help qualified Kentucky buyers reduce cash needed at closing when paired with a KHC first mortgage.

What documents are needed for a Kentucky mortgage pre-approval?

Common documents include recent pay stubs, W-2 forms, bank statements, identification, and tax returns when self-employed or when using certain income types.

Do you work with buyers outside Louisville?

Yes. I work with Kentucky homebuyers across all 120 counties.

Final Takeaway

If you are a Kentucky first-time homebuyer, do not start with online payment guesses or consumer credit app scores. Start with a real mortgage review. The right loan structure can make the difference between getting denied, overpaying, or closing with confidence.

Talk to a Kentucky Mortgage Broker Before You Shop

Before you fall in love with a home, know your approval range, estimated payment, cash to close, and best loan program.

Call/Text: 502-905-3708
Email: kentuckyloan@gmail.com
Apply Online: Start your free Kentucky mortgage pre-approval

Joel Lobb | NMLS #57916
EVO Mortgage | Company NMLS #1738461
Equal Housing Lender | Not affiliated with FHA, VA, USDA, HUD, KHC, Fannie Mae, Freddie Mac, or any government agency.

Joel Lobb | Senior Loan Officer | NMLS #57916
EVO Mortgage | Company NMLS #1738461
Equal Housing Lender. This is not a commitment to lend. All loans are subject to credit approval, underwriting guidelines, property approval, program eligibility, and market conditions. This website is not affiliated with, endorsed by, or acting on behalf of FHA, VA, USDA, HUD, Kentucky Housing Corporation, Fannie Mae, Freddie Mac, or any government agency. Licensing information available at www.nmlsconsumeraccess.org.

{ “@context”: “https://schema.org”, “@graph”: [ { “@type”: “BlogPosting”, “@id”: “https://kentuckyfirsttimehomebuyer.com/2025/04/28/top-kentucky-mortgage-broker-for-first-time-homebuyers/#blogposting”, “mainEntityOfPage”: { “@type”: “WebPage”, “@id”: “https://kentuckyfirsttimehomebuyer.com/2025/04/28/top-kentucky-mortgage-broker-for-first-time-homebuyers/” }, “headline”: “Top Kentucky Mortgage Broker for First-Time Homebuyers in 2026”, “description”: “Kentucky first-time homebuyer guide covering FHA, VA, USDA, KHC Regular DAP, conventional loans, credit scores, documents needed, and mortgage pre-approval strategy.”, “image”: “https://kentuckyfirsttimehomebuyer.com/wp-content/uploads/2026/05/kentucky-mortgage-broker-first-time-homebuyers-2026.jpg”, “author”: { “@type”: “Person”, “@id”: “https://kentuckyfirsttimehomebuyer.com/#joel-lobb”, “name”: “Joel Lobb”, “jobTitle”: “Senior Loan Officer”, “identifier”: “NMLS #57916”, “telephone”: “+1-502-905-3708”, “email”: “kentuckyloan@gmail.com”, “url”: “https://www.mylouisvillekentuckymortgage.com” }, “publisher”: { “@type”: “Organization”, “@id”: “https://kentuckyfirsttimehomebuyer.com/#organization”, “name”: “Joel Lobb, Mortgage Broker FHA, VA, KHC, USDA”, “url”: “https://kentuckyfirsttimehomebuyer.com”, “logo”: { “@type”: “ImageObject”, “url”: “https://kentuckyfirsttimehomebuyer.com/wp-content/uploads/2026/05/joel-lobb-logo-or-headshot.jpg” } }, “datePublished”: “2025-04-28”, “dateModified”: “2026-05-05”, “inLanguage”: “en-US”, “about”: [ “Kentucky mortgage broker”, “Kentucky first-time homebuyer loans”, “FHA loans Kentucky”, “VA loans Kentucky”, “USDA loans Kentucky”, “KHC Regular DAP”, “Conventional mortgage loans Kentucky” ] }, { “@type”: “FinancialService”, “@id”: “https://kentuckyfirsttimehomebuyer.com/#mortgage-service”, “name”: “Joel Lobb, Mortgage Broker FHA, VA, KHC, USDA”, “url”: “https://kentuckyfirsttimehomebuyer.com”, “telephone”: “+1-502-905-3708”, “email”: “kentuckyloan@gmail.com”, “areaServed”: { “@type”: “State”, “name”: “Kentucky” }, “serviceType”: [ “Mortgage pre-approval”, “FHA mortgage loans”, “VA mortgage loans”, “USDA Rural Housing loans”, “KHC Regular DAP”, “Conventional mortgage loans” ], “employee”: { “@type”: “Person”, “@id”: “https://kentuckyfirsttimehomebuyer.com/#joel-lobb”, “name”: “Joel Lobb”, “identifier”: “NMLS #57916” }, “disclaimer”: “Equal Housing Lender. Not affiliated with FHA, VA, USDA, HUD, Kentucky Housing Corporation, Fannie Mae, Freddie Mac, or any government agency. All loans subject to credit approval, underwriting guidelines, property approval, and program eligibility.” }, { “@type”: “FAQPage”, “@id”: “https://kentuckyfirsttimehomebuyer.com/2025/04/28/top-kentucky-mortgage-broker-for-first-time-homebuyers/#faq”, “mainEntity”: [ { “@type”: “Question”, “name”: “What is the best loan for Kentucky first-time homebuyers?”, “acceptedAnswer”: { “@type”: “Answer”, “text”: “The best loan depends on credit score, income, debt-to-income ratio, military eligibility, property location, and available funds. FHA, VA, USDA, KHC, and conventional loans may all be options depending on the borrower.” } }, { “@type”: “Question”, “name”: “Is KHC down payment assistance a grant?”, “acceptedAnswer”: { “@type”: “Answer”, “text”: “KHC Regular DAP is currently structured as a repayable second mortgage, not a grant. It may provide up to $12,500 for eligible borrowers using a KHC first mortgage.” } }, { “@type”: “Question”, “name”: “Can I buy a home in Kentucky with no money down?”, “acceptedAnswer”: { “@type”: “Answer”, “text”: “Possibly. VA and USDA loans may allow eligible borrowers to buy with no down payment. KHC down payment assistance may also help qualified Kentucky buyers reduce cash needed at closing when paired with a KHC first mortgage.” } }, { “@type”: “Question”, “name”: “What documents are needed for a Kentucky mortgage pre-approval?”, “acceptedAnswer”: { “@type”: “Answer”, “text”: “Common documents include recent pay stubs, W-2 forms, bank statements, identification, and tax returns when self-employed or when using certain income types.” } }, { “@type”: “Question”, “name”: “Do you work with buyers outside Louisville?”, “acceptedAnswer”: { “@type”: “Answer”, “text”: “Yes. Joel Lobb works with Kentucky homebuyers across all 120 counties.” } } ] }, { “@type”: “BreadcrumbList”, “@id”: “https://kentuckyfirsttimehomebuyer.com/2025/04/28/top-kentucky-mortgage-broker-for-first-time-homebuyers/#breadcrumb”, “itemListElement”: [ { “@type”: “ListItem”, “position”: 1, “name”: “Kentucky First-Time Homebuyer Programs”, “item”: “https://kentuckyfirsttimehomebuyer.com/” }, { “@type”: “ListItem”, “position”: 2, “name”: “Kentucky Mortgage Broker for First-Time Homebuyers”, “item”: “https://kentuckyfirsttimehomebuyer.com/2025/04/28/top-kentucky-mortgage-broker-for-first-time-homebuyers/” } ] } ] }

Serving Louisville, Lexington, Bowling Green, Owensboro, Paducah & all 120 Kentucky counties

Kentucky Mortgage Broker for FHA, VA, USDA Rural Housing, KHC Down Payment Assistance & Conventional Loans

I’m Joel Lobb (NMLS #57916), a lifelong Kentucky resident with 20+ years in lending, and I’ve helped over 1,300 Kentucky families buy or refinance their homes.
My approach is straightforward: honest guidance, responsive service, and a clean path to closing.

Call/Text 502-905-3708

Email Joel

Start a Free Pre-Approval

Free, no-pressure guidance. Quick pre-approvals often within 6 hours. Typical closings 15–30 /apply/days (timeline depends on underwriting, appraisal, title, and program requirements).

Why Kentucky Borrowers Choose a Mortgage Broker Over a Big Bank

If you’ve ever felt like a “file number” at a large bank, you’re not alone. Many mega-banks only offer their in-house loan products. That can be fine when a borrower fits perfectly inside their boxes.
But in real life, Kentucky borrowers often have unique situations: variable income, overtime, self-employed income, VA eligibility, rural properties, KHC down payment assistance needs, or credit rebuilding after life events.

As an independent mortgage broker, I can shop your loan through a network of mortgage lenders to identify competitive rate options and program solutions that may not be available at a single bank.
In practical terms, that means more flexibility and a better chance of matching your goals with the right underwriting lane.

Access to multiple lender options instead of “one bank, one deal.”
Program-fit strategy for FHA, VA, USDA Rural Housing, KHC, and Conventional.
Direct, responsive communication and fewer last-minute surprises.
Clear guidance on credit, income, assets, and documentation from day one.

Bottom line: my job is not to “sell” you a loan. My job is to structure the right mortgage plan and help you close on time with confidence.

Serving All 120 Kentucky Counties

Kentucky is diverse — from Louisville and Lexington to small towns and rural communities statewide. I proudly serve borrowers in every region of the Commonwealth, including:
Jefferson County, Fayette County, Warren County, Kenton County, Boone County, Campbell County, Hardin County, Bullitt County, Oldham County, Christian County, McCracken County, Daviess County, and all 120 counties in Kentucky.

If you’re purchasing in Kentucky, refinancing in Kentucky, or relocating to Kentucky, you can call or text me directly at 502-905-3708.

Kentucky Home Loan Programs I Offer

FHA Loans in Kentucky

FHA loans are popular for first-time buyers and borrowers who need flexible credit guidelines and low down payment options. FHA financing may be a strong fit if you’re rebuilding credit,
have limited savings, or need a program designed for accessibility.

Learn more on my FHA page: Kentucky FHA Loans.

VA Loans in Kentucky

VA loans are a powerful benefit for eligible Veterans, active-duty service members, and certain surviving spouses. VA financing can offer strong terms, including potential zero down options and competitive pricing.
If you’re moving to Kentucky from another state or buying your first home using VA, I’ll guide you through eligibility, documentation, and a smooth closing plan.

Learn more here: Kentucky VA Home Loans.

USDA Rural Housing Loans (100% Financing Eligible Areas)

USDA Rural Housing loans can provide 100% financing for eligible properties and borrowers — making it one of the strongest no-down-payment options in Kentucky.
Many borrowers are surprised how many areas qualify, even near larger cities.

Get details here: Kentucky USDA Rural Housing Loans.

KHC Down Payment Assistance Programs

Kentucky Housing Corporation (KHC) programs can help qualified buyers who need down payment assistance. These options can be especially helpful for first-time homebuyers who have stable income
but need help bridging the cash-to-close gap.

Learn more here: KHC Down Payment Assistance.

Fannie Mae Conventional Loans

Conventional financing through Fannie Mae can be an excellent fit for borrowers with stronger credit profiles, stable income, and long-term homeownership goals.
It can also be the right option for certain refinances depending on the situation.

Learn more: Kentucky Conventional Loans.

What Makes My Process Different

A mortgage is not just an interest rate. It’s underwriting strategy, documentation, timeline management, communication, and problem-solving.
My process is designed to reduce stress and increase certainty.

Fast, clear pre-approvals

I move quickly, but I do not cut corners. You’ll get a plan built on documentation and realistic underwriting expectations.

Direct access to me

You can call or text me directly. No call centers. No getting passed from person to person.

Transparency from day one

If there’s a problem, you’ll know early. If something is borderline, we address it up front.

Closing execution

The goal is a predictable closing timeline with strong communication between you, your agent, title, and underwriting.

Free, Honest Second Opinions Are Welcome

If you already have a loan estimate from a bank or another lender, I’m happy to compare it and explain what it means in plain English.
Many borrowers don’t realize how rate, points, lender fees, mortgage insurance, and program fit impact the real cost of the loan.

If you want a straight answer, you’ll get one. If your current quote is strong, I’ll tell you that too. My goal is for you to make a confident decision.

Ready for a Kentucky Mortgage Pre-Approval?

Call or text me directly at 502-905-3708, or start your free pre-approval online.

Start a Free Pre-Approval
Read Client Reviews

You will receive honest, up-front guidance with a clear next-step plan.

Common Questions Kentucky Homebuyers Ask

How fast can I get pre-approved?

In many cases, I can turn around a pre-approval within 6 hours once I have the core documentation needed.
Timing can vary depending on complexity, income type, and documentation.

How long does it take to close a mortgage in Kentucky?

Many purchases close in 15–30 days, but timelines depend on the appraisal, title work, underwriting conditions, and program requirements.
My process focuses on minimizing delays through accurate upfront planning and fast communication.

Do you offer no-down-payment options?

Yes. VA loans and USDA Rural Housing loans may offer eligible borrowers a path to 0% down.
Eligibility depends on program guidelines, income, credit, and (for USDA) property location.

Can you help if I was denied by a bank?

Often, yes. A denial is not always the end — it may be a program-fit issue, documentation issue, or lender guideline mismatch.
I’ll review the situation and give you a clear plan for next steps, even if that means improving credit, adjusting the structure, or selecting a different program.

Website Fine Print
The content provided on this website is presented or compiled by Joel Lobb and is provided for informational purposes only. It does not necessarily represent the views or opinions of his employer.

Joel Lobb or his employer assumes any legal liability or responsibility for the accuracy, completeness, or usefulness of any information disclosed, or represents that its use would not infringe privately owned rights.

The mortgage or financial services or strategies mentioned in this website may not be not suitable for you.

Joel Lobb is a Licensed Mortgage Originator: NMLS #57916.
Legal Disclaimer

This web site is not the FHA, VA, USDA, HUD or any other government organization responsible for managing, insuring, regulating or issuing residential mortgage loans.

**Download Fair Housing Booklet – CLICK HERE

All approvals and rates are not guaranteed, and are only issued based on standard mortgage qualifying guidelines.

This blog is a sponsored blog created or supported by a company, organization or group of organizations. For questions about this blog, please contact Joel Lobb 502-905-3708 or email kentuckyloan@gmail.com NMLS# 57916.

This blog does not accept any form of advertising, sponsorship, or paid insertions. We write for our own purposes. However, we may be influenced by our background, occupation, religion, political affiliation or experience.

This blog abides by word of mouth marketing standards. We believe in honesty of relationship, opinion and identity. The compensation received may influence the advertising content, topics or posts made in this blog. That content, advertising space or post will be clearly identified as paid or sponsored content.

The owner(s) of this blog is not compensated to provide opinion on products, services, websites and various other topics. The views and opinions expressed on this blog are purely the blog owners. If we claim or appear to be experts on a certain topic or product or service area, we will only endorse products or services that we believe, based on our expertise, are worthy of such endorsement. Any product claim, statistic, quote or other representation about a product or service should be verified with the manufacturer or provider.

This blog does contain content which might present a conflict of interest. This content will always be identified.

See link👇

Accessibility Statement

Users with Visual Disabilities

Images on this website are accompanied by alternative text describing graphics.

Documents on website may occasionally be presented in formats other than HTML. These formats are generally accessible to users using screen reading software. The screen reading capabilities of Adobe Acrobat Reader (full version) will allow vision impaired visitors to access PDF content.

If you have any difficulty viewing any page with adaptive technology, please let us know.

Additional Accommodations

The Commonwealth of Kentucky provides, upon request, reasonable accommodations including auxiliary aids and services necessary to afford an individual with a disability an equal opportunity to participate in all services, programs and activities. To request materials in an alternative format, each agency web site provides information for contacting the person or persons responsible for providing the service within the agency. Persons with hearing and speech impairments can contact each agency by using the Kentucky Relay Service, a toll-free telecommunication device for the deaf (TDD). For voice to TDD, call 800-648-6057. For TDD to voice, call 800-648-6056

We follow standards established by the Web Content Accessibility Guidelines (WCAG) 2.0. We are actively seeking to improve our performance to meet Level AA guidelines of the WCAG.

If you experience difficulty using our site, please let us know the nature of the problem, the web address of the page(s) involving the issue, and full contact information in the event we need more details. You can call 502-905-3708 or email kentuckyloan@gmail.com to report any difficulties, and we will work with you to provide the information requested.