Credit Score Requirements for Kentucky Mortgages
The short answer: in Kentucky you can usually buy a home with a credit score of 580, and in some cases lower. FHA is the most forgiving, VA and USDA sit close behind, and conventional loans are the strictest. There is no single cutoff, because your score is only one part of the file.
I am Joel Lobb, a mortgage loan officer with EVO Mortgage. I have helped more than 1,300 Kentucky families buy or refinance since 2001, and a good share of them started this exact way — worried the number on their credit report had already decided the answer. Often it had not.
