Own Your First Home in Kentucky — Even with No Money Down in 2025!
Thinking about buying your first home in Kentucky? You don’t need perfect credit or a huge down payment. With the right loan programs, you could get into your dream home with little to no money out of pocket in 2025.
💰 What’s Available for First-Time Kentucky Homebuyers?
I’m Joel Lobb (NMLS #57916), a local mortgage loan officer helping Kentucky families become homeowners with flexible, affordable programs. Here’s what you should know:
FHA Loans — 3.5% down, scores as low as 580
VA Loans — 100% financing for veterans and military
USDA Loans — No money down in eligible rural areas
KHC Down Payment Assistance — Up to $10,000
Welcome Home Grant — Up to $20,000 in grant funds
These programs are designed for everyday Kentuckians, even if you’ve had past credit challenges, a limited budget, or are recovering from bankruptcy or foreclosure.
🎯 Why Work with Joel Lobb?
I’ve helped over 1,300 Kentucky buyers get approved with creative solutions like:
Combining seller credits with DAP to reduce closing costs
Structuring deals for credit scores under 620
Fast approvals and personal guidance every step of the way
Whether you live in Louisville, Lexington, Bowling Green, or a rural Kentucky town — I’ll help you find a path to homeownership.
📲 Ready to Take the First Step?
✅ Get pre-approved
✅ Get a free credit review
✅ Learn your no-money-down options
Contact Joel Lobb Today:
📧 kentuckyloan@gmail.com
📱 (502) 905-3
