To qualify for a Kentucky FHA mortgage loan, you need to meet several requirements:

Use the loan for your primary residence.
Have a minimum credit score of 580 with a 3.5% down payment or 500 with a 10% down payment.
Ensure the property is appraised by an FHA-approved appraiser and meets HUD's property standards.
Have steady employment history and valid U.S. residency.
Resolve any judgments or collections and comply with specific waiting periods for bankruptcies and foreclosures.