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

Can you get pre-approved for a Kentucky mortgage with a 580 credit score? Yes. At 580+, FHA allows 3.5% down; VA has no VA-set minimum; USDA works below 640 with a manual underwrite; KHC DPA and conventional start at 620. 1-minute video: https://youtu.be/1qyMjX1CbLs Full guide: https://www.mylouisvillekentuckymortgage.com/2025/09/580-credit-score-kentucky-mortgage.html Call or text 502-905-3708. Joel Lobb, EVO Mortgage, NMLS 57916. Not a commitment to lend. Equal Housing Opportunity.