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

Specialty Programs in Kentucky & Beyond

JustChoice Lending offers a range of flexible programs that can help you buy a home. You may qualify for down payment assistance, for example, or meet income requirements for loan programs designed to help those with limited income.


Who It’s For

As a division of Fahe, we have access to specialty programs that can help prospective buyers who might have difficulty qualifying for other types of loans. They include:

  • Fahe Community Down Payment Assistance
  • Fahe Affordable Down Payment Assistance
  • Fahe Exclusive Down Payment Assistance
  • Welcome Home
  • Project Reinvest

Options to Meet Your Needs

You have a unique situation that makes it tough to qualify for a traditional loan, and we have access to specialty funds that may be available to you. These programs are often limited in availability, but we encourage you to call us for information. We might have the perfect specialty loan program to fit your needs!

Eligibility Requirements

Each program’s guidelines determine eligibility, and most funds are first-come, first-served, and limited to availability. Speak with one of our loan officers today about how you can qualify for a specialty program.

Take Your First Step

Are you interested in learning more about qualifying for one of our specialty programs? 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!