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

"There are four main types of loans for Kentucky homebuyers:

FHA – Great if your credit is 580+ with 3.5% down.

VA – No money down if you’re a veteran.

USDA – Also zero down for rural areas.

KHC – Offers down payment assistance of up to $10,000."

Minimum credit score

Steady income

2-year job history

Bank statements

Pay stubs

W-2s / Tax returnsMinimum credit score

Steady income

2-year job history

Bank statements

Pay stubs

W-2s / Tax returns