Key Factors for Kentucky Mortgage Approval


Credit Score​ for Kentucky Mortgage Loan Approval

Kentucky FHA Loan Approval: Your Complete Guide


How to Qualify for a Kentucky FHA Loan Approval: If you're looking to buy a home in Kentucky and are considering a Kentucky FHA loan, it's essential to understand the qualifying criteria and the necessary steps. This article covers all the crucial aspects you need to know, from credit scores, bankruptcy, work history, collections, closing, home insurance, title, debt ratio , down payment and other required documents for pre-approval for a Kentucky FHA loan pre-approval letter.

First-Time Homebuyer Guide: Pitfalls to Avoid in Kentucky


First-Time Homebuyer Guide: Pitfalls to Avoid in Kentucky

Understanding Closing Costs for Kentucky Mortgages


Kentucky Mortgage Closing Costs Explained (2026 Guide for Home Buyers and Refinance Borrowers) If you’re buying or refinancing a home in Kentucky, closing costs are one of the most misunderstood — and most searched — parts of the mortgage process. Borrowers comparing Kentucky FHA, VA, USDA, and Conventional mortgage programs often want to know exactly … Continue reading Understanding Closing Costs for Kentucky Mortgages

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 $12,500 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.