Kentucky Veterans — You Deserve a Home. Even with Less-Than-Perfect Credit!
we’re proud to serve those who’ve served our country. If you’re a Veteran or Active Duty military in Kentucky and worried your credit score might hold you back from buying a home — don’t count yourself out just yet.
We offer VA home loans with no minimum credit score requirement. That’s right — NO MINIMUM SCORE required by VA.
Here’s how we help make it happen:
✅ Manual underwriting available for scores under 580
✅ We focus on your 12-month payment history — not just your score
✅ NO money down required
✅ We offer a free credit report and same-day pre-approval
Whether your score is 580, 560, or even under 550, if you’ve shown consistent payments and you're financially ready, we can help guide you through a path to homeownership in Kentucky.
📲 Call or Text Joel Lobb | NMLS #57916
📍 Based in Louisville, KY | Licensed across the state
📧 kentuckyloan@gmail.com
Mortgage | NMLS #1738461
