Frequently asked questions
Can I buy a house in Kentucky with no money down?
Yes, if you qualify for VA or USDA and the property meets program rules. KHC assistance may also reduce required cash-to-close for eligible buyers.
Do I need to be a first-time buyer to use FHA?
No. FHA is not limited to first-time buyers. Many repeat buyers use FHA when it fits the file best.
How long is a pre-approval good for?
Many pre-approvals are valid around 60–120 days depending on documentation and market conditions. Credit and income updates may be needed if the home search runs longer.
What’s the fastest way to know which program is best?
A full pre-approval review. That confirms the correct mortgage credit scores, program eligibility (including income limits for USDA/KHC), and your real payment range.
