Kentucky Mortgage Loan Approval Checklist | Documents Needed for FHA, VA & USDA Loans
🏡 How to Get Approved for a Kentucky Mortgage Loan (2025 Guide)
Author: Joel Lobb, Mortgage Loan Officer NMLS 57916 | EVO Mortgage NMLS 1738461
Serving: Louisville • Lexington • Bowling Green • Owensboro • Northern Kentucky
Equal Housing Lender
✅ Step-by-Step: Getting Approved for a Mortgage in Kentucky
Getting approved for a Kentucky mortgage loan starts with one thing — having your paperwork ready.
Lenders use four key factors to determine your approval:
Income & Employment Stability
Assets & Down Payment Verification
Credit History & Score
Appraisal / Collateral Review
This guide is designed for FHA, VA, USDA, KHC, and Conventional loans and helps Kentucky homebuyers and refinancers prepare efficiently.
