Joel Lobb, Mortgage Broker FHA, VA, KHC, USDA

A proper USDA pre-approval looks at income, debts, credit, property eligibility, and underwriting method together. This provides a realistic price range and helps prevent surprises after you’re under contract.

For Kentucky buyers, this is especially important because USDA eligibility also depends on location and household income limits.

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If you want to understand what you realistically qualify for with a USDA loan in Kentucky, the best next step is a personalized pre-approval.