louisville grants to buy home – Kentucky First-Time Home Buyer Programs

2026 Welcome Home Grant Program for Kentucky Home Buyers

Summary: The Welcome Home Program in Kentucky offers grants up to $25,000 for military homebuyers and up to $20,000 for other eligible buyers to assist with down payment and closing costs. Eligible homebuyers must meet income criteria and other guidelines. Properties eligible for the grant must be the buyer's primary residence and have a legally enforceable retention mechanism. Prospective homebuyers should contact an FHLB Cincinnati Member financial institution for more program information and eligibility details. Various other programs and grants are also available for first-time homebuyers in Kentucky. For further information, contact a Kentucky Mortgage Lender.

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2019 Kentucky First Time Home Buyer Down Payment Assistance

2019 Kentucky First Time Homebuyer Down Payment Assistance for Kentucky First Time Home Buyers for $4500 to $6000 Kentucky Housing DAP Funds Here are action steps you can take right now to buy a home in Kentucky in 2019 1. Focus on your credit score FICO credit scores are among the most frequently used credit scores, and … Continue reading 2019 Kentucky First Time Home Buyer Down Payment Assistance

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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