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

Buying a Kentucky home with a conventional loan in 2026? Our updated guide explains current mortgage-rate context, the $832,750 one-unit conforming limit, credit-score rules, debt-to-income ratios, down payments and work-history requirements. Read the guide, then call or text Joel Lobb at 502-905-3708 for a personal pre-approval review. NMLS #57916 | Equal Housing Lender.