New video: No money down home loans in Kentucky, explained on the whiteboard. USDA and VA are true 0% down. FHA is 3.5% down at a 580 score, conventional is 3% down for first-time buyers, and Kentucky Housing (KHC) can add up to $12,500 in down payment assistance as a repayable second mortgage. The video also shows the credit score each program needs alone vs. with KHC, why zero down never means zero cash to close, and the mistakes that cost buyers the deal. Call or text Joel Lobb, EVO Mortgage, at 502-905-3708. NMLS 57916. Kentucky loans only. Equal Housing Lender. Not a commitment to lend.
