7500 down payment assistance – Kentucky First-Time Home Buyer Programs

How to buy a house in Kentucky with Zero Down Payment Mortgage Loan

Kentucky Housing Corporation (KHC) Loan (Best for KY Buyers Needing Assistance) Down Payment: $0 with $10,000 Down Payment Assistance (DAP) Interest Rate: ~5.75% Credit Score: 620+ Waiting Period: 2 years after bankruptcy, 3 years after foreclosure Income Limit: $168,700 Who Qualifies? First-time or income-eligible buyers in Kentucky Pros: $10,000 down payment assistance available Can be combined with FHA, VA, or USDA loans Lower interest rates than many other options Cons: Income and purchase price limits apply Requires homebuyer education course DAP is a loan, not a grant (must be repaid) Best for: Kentucky homebuyers needing down payment assistance.

Breaking the 20% Myth: How to Afford a Mortgage with a Smaller Down Payment

https://mortgageinformationcenter.wordpress.com/2024/06/11/breaking-the-20-myth-how-to-afford-a-mortgage-with-a-smaller-down-payment/#like-350?page_id=350 How to Buy a Home Without a 20% Down Payment Here are some effective ways to buy a home without needing to save up a 20% down payment. 1. FHA Loans: Low Down Payments for First-Time Buyers The Federal Housing Administration (FHA) loan is a popular choice for those looking to buy a home … Continue reading Breaking the 20% Myth: How to Afford a Mortgage with a Smaller Down Payment

As a life-long Kentucky resident, I have helped over 1300 Kentucky families buy or refinance their home over the last 20 years. You can trust me for your next mortgage loan. I deliver on what I say and I will give you honest, up-front personal attention you deserve for your home loan. I have several advantages over the big- mega banks in town. First, I can shop your loan thru different mortgage companies across the country to seek competitive rate options and programs that don’t fit regular bank guidelines, whereas most banks will offer offer you there one and only deal. I have access to over 15 different mortgage companies to broker your loan thru. You will not get lost in the shuffle like most borrowers do at the mega banks; your just not a number at our company, you are a person and we will treat you like one throughout the entire process. Free pre-approvals within 6 hours and get your loan closed within 15-30 days. Give us a try or let us compare what you have now. Call me or text me locally anywhere in KY at call/text me 502-905-3708; this is my personal cell phone and I carry it on me at all times. Free credit reports and approvals.

Thank you for visiting. I hope you find this website both informative and empowering as you explore your mortgage options. My goal is to help you feel confident in selecting the right home loan for your unique situation.

I proudly serve all 120 counties in Kentucky, offering a full range of mortgage loan programs, including:

FHA Loans
VA Loans
USDA Rural Housing Loans
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 achieve their homeownership goals. Whether you’re a first-time homebuyer or seeking a second opinion, I’m here to offer honest, no-pressure advice—always free of charge.

I am dedicated to:

Attending as many closings as possible
Providing responsive, personalized service
Ensuring quick, efficient, and accurate loan processing
Making myself accessible every step of the way

I’ve been consistently recognized as a top mortgage loan officer in Kentucky for VA, FHA, USDA, and KHC programs. I take pride in being thorough, transparent, and attentive with each and every client.

Please take a moment to read my reviews below. If you have questions or need guidance, feel free to call or text me directly.

Joel Lobb – Senior Loan Officer
NMLS #57916
📞 (502) 905-3708
📧 kentuckyloan@gmail.com

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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.

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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.
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