Have questions or want to learn more about qualifying for a loan? We’re happy to help!

FHA Loans in Kentucky & Beyond

Are you struggling to come up with a large down payment or worried you won’t qualify because of a low credit score? A government-backed FHA loan is designed just for you.


Who It’s For

FHA loans are especially popular among first-time homebuyers because they offer more credit flexibility and the opportunity to put less money down. Not purchasing your first home? You can still take advantage of these benefits! FHA loans are open to all buyers.

The Advantages

Better Interest Rates

You’ll typically get a better interest rate with an FHA loan than you might with other types of loans.

Low Down Payment

You can make a down payment as low as 3.5%, much less than the traditional 20% often required.

Leniency on Credit Score

There’s flexibility when it comes to credit scores and even if you have a low one, you may still qualify.

No Income Limitations

You can qualify for an FHA loan at any income level, whether you’re a first-time buyer or not.

Eligibility at a Glance

Do you:

  • Have a steady income and a minimum credit score of 600?*
  • Have a down payment of at least 3.5% (or more if your credit score is on the low side)
  • Have a debt-to-income ratio no greater than 43%
  • Plan to occupy the home as your primary residence

Then you may be eligible for an FHA loan!

*Minimum credit score requirement may vary by investor.

Take Your First Step

Does an FHA loan sound like a great fit for you? Do you like the idea of a low down payment and flexibility on credit score requirements? Start your application today!


Helpful Tools

First-Time Home Buyers

Not sure where to begin? Follow our step-by-step guide and you’ll be in your new home in no time.


How much home can you afford? Run the numbers with our handy loan calculators.


Have questions about getting a loan? We’re happy to help! Get answers to the most common questions.


Words From Our Happy Homeowners

“The entire process was wonderful. Great staff, always helpful. Simply a great experience.”

Dondi S

First Time Home Buyer

What We’re About

We’re a Kentucky mortgage lender that believes everyone deserves safe and affordable housing. Our overarching mission is to uplift communities throughout Central Appalachia and beyond, and we know that begins with ensuring everyone has a place to call home.


There’s a Loan for Everyone


USDA 502 Direct Loans

Do you have good credit but a limited income and want to live outside the city? Check out the USDA 502 Direct Loan.


USDA Guaranteed Loans

Are you interested in living in a rural area, and your income is moderate? Ask us about USDA-guaranteed loans.


FHA Loans

Need flexibility for your credit score and a lower down payment? Take a look at the popular FHA loan.


Conventional Loans

Do you have a solid credit score and are looking for great rates and options? Consider a conventional loan.


VA Loans

  • Are you a U.S. military member or veteran? Find out how you can buy a home with no money down.

Specialty Programs

Do you have a unique situation? We offer a range of flexible loan programs to fit your needs.


Take the First Step

As the saying goes—nothing ventured, nothing gained. A few clicks today and you’ll be on the path to your new home!