Kentucky No Money Down Home Loans

Kentucky Mortgage Loans with no down payment - Joel Lobb

Buy a Home in Kentucky With No Money Down — Even With Bad Credit, subject to credit qualfying criteria

Struggling with credit? Don’t have a down payment saved up?
You’re not out of options. You’re just one good loan officer away from a plan.

At Kentucky Home Loans by Joel Lobb, we specialize in helping homebuyers just like you get approved using government-backed loan programs that require little to no money down—even with less-than-perfect credit.

You Might Qualify for These No-Money-Down Options:

USDA Loans

  • $0 down payment required
  • Flexible credit guidelines (scores as low as 580)
  • Great for rural areas and small towns across Kentucky

VA Loans (for veterans, active duty & eligible spouses)

  • 100% financing — no down payment
  • No monthly mortgage insurance
  • Approvals with credit scores as low as 500–580

FHA Loans + KHC Assistance

  • Only 3.5% down, with help available from Kentucky Housing Corporation
  • Credit scores as low as 580 (even lower with 10% down)
  • Forgiving on past credit issues, bankruptcies, or foreclosures

Kentucky Housing Corporation (KHC)

  • Up to $10,000 in down payment help
  • Pair with FHA, VA, USDA, or Conventional loans
  • Available to first-time and repeat buyers

We Make It Simple:

  1. Free mortgage application
  2. Same-day credit review and pre-approval
  3. No hidden fees or pressure
  4. One-on-one help every step of the way

Let’s Find Out What You Qualify For

I’m Joel Lobb, a local loan officer with 20+ years of experience helping Kentucky families become homeowners. If you've been told “no” before, don’t give up. There may still be a path forward—and I’ll help you find it.

Call or Text: (502) 905-3708
Email: kentuckyloan@gmail.com
NMLS #57916 – Kentucky #1 Lender for Kentucky First Time Homebuyers for government backed loans by FHA, VA, USDA and KHC.

Ready to Get Started?

APPLY NOW – FREE CREDIT CHECK & SAME-DAY ANSWER

Ready to Get Started? If you’re ready to purchase a home in Kentucky, partnering with an experienced loan officer will make the process seamless. Whether you're a first-time homebuyer or upgrading, programs like FHA, VA, USDA, and KHC down payment assistance are designed to help you achieve your dream of homeownership. For personalized guidance and support, contact: 1 - πŸ“… Email - kentuckyloan@gmail.com 2. πŸ“ž Call/Text - 502-905-3708 Joel Lobb Mortgage Loan Officer - Expert on Kentucky Mortgage Loans 🌐 Website: www.mylouisvillekentuckymortgage.com 🏒 Address: 911 Barret Ave., Louisville, KY 40204 Evo Mortgage Company NMLS# 1738461 Personal NMLS# 57916 For assistance with Kentucky mortgage loans, reach out via email, call, or text Joel Lobb directly.