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:
- Free mortgage application
- Same-day credit review and pre-approval
- No hidden fees or pressure
- 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.
