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

First-Time Homebuyers in Kentucky & Beyond

Are you wanting to put roots down in the beautiful Bluegrass state of Kentucky but are a first-time homebuyer and not sure where to start? Let us walk you through the process.

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Your Step-by-Step Guide

For first-time homebuyers, the process of purchasing a house can seem overwhelming, but it doesn’t have to be! Let JustChoice Lending be your guide. We're here to uplift and build communities, and will be by your side every step of the buying way.

The Benefits of Owning a Home

Buying a home is one part owning a piece of the American dream and one part having an asset that’ll appreciate in value. There are also tax benefits to owning, but most importantly, it’s your home and one that you can make your own.

The 5 Steps of Home Buying

Step 1: Review Your Finances

How’s your financial health? Before you get excited about homes that are on the market, you need to take a good look at your finances. You’ll want to make sure you can afford both the purchase and ongoing expenses associated with owning a home.

Home Affordability Calculator
Step 2: Look at Loan Options

What type of loan should you apply for? There are several to choose from and the best fit for you will depend on your finances, goals, and unique situation. Here’s a look at your choices:

USDA Guaranteed Loans

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

Learn More

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.

Learn More

FHA Loans

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

Learn More

VA Loans

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

Learn More

Specialty Programs

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

Learn More
Step 3: Find a Lender

You’ll want to work with a lender who takes the time to understand your goals and will help identify the right loan for you. Your lender should also be communicative and someone that you’re comfortable connecting with.

At JustChoice Lending, we bring heart to what we do and are committed to providing first-time homebuyers with the service and attention they deserve.

Who We Are
Step 4: Get Pre-Approved

It’s important to understand the difference between the terms pre-qualified and pre-approved.

Pre-qualification simply means a lender has given you an estimate of how much they believe you could borrow based on the preliminary information you’ve provided. At this stage, there’s no guarantee that you will get the loan. It’s simply an estimate of what the lender might offer you if you qualify.

Pre-approval, on the other hand, means the lender has reviewed your finances, documentation, and determined your creditworthiness for buying a home. They’ve given you a set amount that you can borrow, plus the interest rate you qualify for. You can use this pre-approval to put offers on homes.

Get Pre-Approved
Step 5: Connect with a Realtor

Find a realtor who has a good track record of helping people in similar situations find homes, and who will look after your interests. You should also have a good rapport with your realtor and feel comfortable talking to them, as you’ll be working closely together until you find your new home.

Step 6: Close On Your New Home

JustChoice Lending is committed to matching first-time homebuyers to the right loans. And as a division of Fahe, we have access to first-time homebuyer programs that can help you with the down payment and closing costs.

Work With Us

JustChoice Lending is committed to matching first-time homebuyers to the right loans. And as a division of Fahe, we have access to first-time homebuyer programs that can help you with the down payment and closing costs.

Work With Us

JustChoice Lending is committed to matching first-time homebuyers to the right loans. And as a division of Fahe, we have access to first-time homebuyer programs that can help you with the down payment and closing costs.

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Home Buying

How To Buy A House With Little to No Money Down

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Home Buying

What’s the Difference Between a USDA Direct Loan and a USDA Guaranteed Loan?

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Home Loans

FHA vs. VA Loan: Which One is Right For You

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.

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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!