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

Kentucky FHA Loans with Bad Credit (2026 Guide): How to Get Approved
Buying a home in Kentucky with bad credit is still realistic in 2026. FHA loans remain one of the most forgiving mortgage options available for first-time buyers and borrowers with past credit issues. This guide explains the credit score rules, down payment options, approval steps, and how down payment assistance can fit into your plan.