★★★★★ 80+ Five-Star Google Reviews · Same-Day Pre-Approvals · 1,300+ Kentucky Families Helped · All 120 Counties
Every Kentucky Loan Type. One Local Expert.
Whether you’re buying your first home, using down payment assistance, or rebuilding credit — there’s a program that fits. Compare them side by side before you commit.

🏠 FHA Loan

The go-to for first-time buyers and 580+ credit. Low down payment and flexible guidelines.

3.5% down · 580+ creditLearn More →

🎖 VA Loan

Zero down and no monthly mortgage insurance for veterans and active-duty service members.

$0 down · VA eligibleLearn More →

🌾 USDA Loan

100% financing for eligible rural and suburban Kentucky buyers within income limits.

$0 down · USDA areasLearn More →

🏛 KHC Assistance

Kentucky Housing down payment assistance for first-time and repeat buyers.

Up to $12,500 assistanceLearn More →

📈 Conventional

Best long-term value for stronger credit. PMI cancels at 20% equity, unlike FHA.

3% down · 620+ creditLearn More →

💰 Zero Down Options

Every route to buying with nothing down in Kentucky — VA, USDA, and KHC combos.

$0 down programsLearn More →

🌟 First-Time Buyers

All Kentucky first-time homebuyer programs compared in plain English.

Programs & grantsLearn More →

📊 Credit Scores

What score you actually need for each loan type in 2026 — and how to raise yours.

By loan programLearn More →
Getting a Kentucky Mortgage in 3 Simple Steps
No confusing paperwork trails. No surprise fees. A clear path from first call to keys in hand.
01

💬 Get Pre-Qualified

Free application review with same-day answers. We look at your credit, income, and goals — no cost, no obligation, no pressure.

02

📋 Compare Your Options

FHA vs. Conventional vs. USDA vs. KHC — run side by side with your actual numbers so you see the real payment before you commit.

03

🏠 Close & Get Your Keys

Guided from contract to closing — appraisal, title, and underwriting coordinated so you always know what happens next.

Watch: Kentucky Mortgage Guides
Straight answers from my YouTube channel — no jargon, no sales pitch.
▶ More videos on my YouTube channel →
Joel Lobb and family - Kentucky mortgage loan officer
Kentucky Local. Not a Call Center.

Hi, I’m Joel Lobb — a Kentucky dad who’s spent 20+ years helping families across all 120 counties buy their first home. When you call, you get me — not a phone tree. Questions on a Saturday morning? I answer.

1,300+ Kentucky families have trusted me with their mortgage — from Louisville to Lexington to the smallest towns in the state. Free application reviews, same-day pre-approvals, and honest answers about what you actually qualify for.

See What You Qualify For →

Get help with rent, mortgage or utility assistance - I Want To - LouisvilleKy.gov

Get help with rent, mortgage or utility assistance - I Want To - LouisvilleKy.gov

Get help with rent, mortgage or utility assistance



The Temporary and Extended Emergency Financial Assistance program is funded by local Metro Government dollars. The Emergency Financial Assistance program is designed to assist households that meet income and crisis criteria as defined in the policy. Assistance is provided in the basic areas of shelter and utilities to stabilize housing. Emergency Financial Assistance is generally provided for households with zero income or resources that meet eligibility criteria for the month assistance is requested. Applicant(s) must be a resident of Jefferson County.
Shelter and utility payment assistance is provided to those that meet the eligibility guidelines as determined by an initial screening. Length of financial assistance varies depending upon qualifying eligibility criteria. 

The following situations are examples of possible eligibility:
  • Loss of employment
  • Illness/disability pending SSI
  • Loss of support due separation, desertion, death or domestic violence by wage earner.
Applicant Information
Applications are made in person whenever possible. Temporary Emergency Assistance is provided through the Neighborhood Place

Telephone applications are taken for applicants unable to come to the office and/or other emergency situations. To request services via telephone, please call 574-8035. 

Neighborhood PlaceNeighborhood Place is a network of multi-service centers throughout Louisville and Jefferson County, Kentucky. Closely linked with schools, the centers provide community residents a single access point to an array of services where they live.

  • To view a map that shows where all neighborhood places are located in the city, with links to each NP, click here.
  • MapIt - To search for the closest Neighborhood Place based on your address click here and click on the Housing & Social Services layer.


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