A Guide to Buying Your First House in Kentucky: Loan Programs and Requirements

A Guide to Buying Your First House in Kentucky: Loan Programs and Requirements

Mobile Home Loans in Kentucky: FHA, VA, USDA, and Conventional Guidelines for 2025

Mobile Home Loans in Kentucky: FHA, VA, USDA, and Conventional Guidelines for 2025

Kentucky homebuyers looking for information on mobile home loans? Manufactured homes are an affordable option for many buyers. With flexible financing options like Kentucky FHA, VA, USDA, and Conventional loans, achieving homeownership in Kentucky is easier than ever. This guide provides the guidelines for each loan program. It also explains how you can qualify for a free mortgage loan approval for your mobile home in Kentucky.

how to get a free credit score for a mortgage loan approval?

To get a free mortgage FICO score (FICO Score 2, 4, or 5), which are the models most commonly used by mortgage lenders, you will need to use the next resources below:

MyFICO: MyFICO provides the exact FICO Score versions (2, 4, and 5) used for mortgages. Although it’s not free, they sometimes offer free trials or one-time purchases. It’s worth checking their promotions.
Contact a Mortgage lender that will give you the free fico mortgage credit scores for free. Some lenders will give them to you with a credit application, and some will make you pay for them. If you end up doing the loan with the lender, you will pay for them at the closing. This payment will be on the settlement statement. You will not have to pay out of pocket upfront. The costs of credit reports and credit scores have tripled in the last 2 years. Some lenders now require you to pay for them.
As a mortgage broker, we will give you FICO mortgage credit scores versions 2, 4, 5 for free. We will collect them at closing if you end up doing a loan with us. If you are denied or your loan application is withdrawn, the fee is not collected.

Credit scores used for a Kentucky mortgage loan approval for Experian, Equifax and transunion

A mortgage broker or lender, like Joel Lobb in Kentucky, may run your mortgage-specific FICO scores during prequalification. This service is often provided at no cost.

Would you like me to guide you on how to access any of these?

1 – Email – kentuckyloan@gmail.com

2. Call/Text – 502-905-3708

Joel Lobb
Mortgage Loan Officer – Expert on Kentucky Mortgage Loans

www.mylouisvillekentuckymortgage.com
Address: 911 Barret Ave., Louisville, KY 40204

Evo Mortgage
Company NMLS# 1738461
Personal NMLS# 57916

For assistance with Kentucky mortgage loans, reach out via email, call, or text Joel Lobb directly.

Here are 10 facts about Kentucky Mortgage VA Loans you might not have known.

Here are 10 facts about Kentucky Mortgage VA Loans you might not have known.

USDA Loans for Manufactured Homes in Kentucky

Big News for Kentucky Mobile Home Buyers: USDA Loan Changes Coming in 2025!

Are you looking for affordable home financing options for manufactured or mobile homes in Kentucky? Big news is here! Starting March 4, 2025, the USDA will officially offer 100% financing for manufactured homes. This exciting change will make homeownership more accessible and affordable for families in Kentucky.

You can now take advantage of FHA loans with Kentucky Housing Corporation’s down payment assistance. This assistance is available on used mobile homes or new mobile homes. This assistance offers a path to 100% financing. This option is ideal for those purchasing manufactured homes in urban and rural areas alike

What Does This Mean for Kentucky Homebuyers?

For years, many buyers in Kentucky seeking affordable housing options, like mobile homes, faced limited financing choices. With the USDA’s policy changes, more Kentucky homebuyers will qualify for 100% financing on manufactured homes. This program is transformative. It is especially beneficial for those in rural areas. Many are looking to take advantage of USDA’s Rural Housing Loan Program.

Benefits of the USDA Manufactured Home Loan Program

100% Financing – No money down is required, making it perfect for buyers with limited savings.
Affordable Terms – Competitive interest rates make monthly payments manageable.
Rural Housing Opportunities – Ideal for Kentucky homebuyers in small towns and rural areas.
Expanded Eligibility – These changes will allow more manufactured homes to qualify, opening up affordable housing options.

How to Qualify for a USDA Loan for Mobile Homes in Kentucky

To take advantage of this incredible opportunity, you’ll need to meet a few requirements:

Credit Score: Typically, a score of 581 or higher is needed.
Property Type: The home must be a manufactured or mobile home on a permanent foundation.
Location: The home must be in a USDA-eligible rural area in Kentucky.

Why This Update Is Great for Kentucky Buyers

With rising home prices, these changes make it easier for families in Kentucky to purchase affordable housing. Manufactured homes are an excellent option for those seeking modern, energy-efficient, and affordable living solutions. This program ensures that homeownership is possible for more families across Kentucky, particularly in rural communities.

Get Pre-Approved for Your USDA Mobile Home Loan in Kentucky

Don’t wait until March 2025! Start planning now to take advantage of these USDA loan changes. Are you considering purchasing a mobile home in Kentucky? I can help you secure the best financing option for your needs.

I specialize in USDA and rural housing loans for mobile and manufactured homes across Kentucky. I have decades of experience and local expertise. I’m here to guide you through the process. I will help you achieve your dream of owning a home with no money down.

1 – Email – kentuckyloan@gmail.com 2. Call/Text – 502-905-3708

Joel Lobb
Mortgage Loan Officer – Expert on Kentucky Mortgage Loans

Website: www.mylouisvillekentuckymortgage.com
Address: 911 Barret Ave., Louisville, KY 40204

Evo Mortgage
Company NMLS# 1738461
Personal NMLS# 57916

For assistance with Kentucky mortgage loans, reach out via email, call, or text Joel Lobb directly.

Tags: #MobileHomesKentucky #USDALoanMobileHome #KentuckyManufacturedHomeLoan #RuralHousingMobileHome #NoMoneyDownKentucky

Thank you for visiting. I hope you find this website both informative and empowering as you explore your mortgage options. My goal is to help you feel confident in selecting the right home loan for your unique situation.

I proudly serve all 120 counties in Kentucky, offering a full range of mortgage loan programs, including:

FHA Loans
VA Loans
USDA Rural Housing Loans
Fannie Mae Conventional Loans
KHC Down Payment Assistance Programs

With over 20 years of lending experience, I’ve had the privilege of helping more than 1,300 Kentucky families achieve their homeownership goals. Whether you’re a first-time homebuyer or seeking a second opinion, I’m here to offer honest, no-pressure advice—always free of charge.

I am dedicated to:

Attending as many closings as possible
Providing responsive, personalized service
Ensuring quick, efficient, and accurate loan processing
Making myself accessible every step of the way

I’ve been consistently recognized as a top mortgage loan officer in Kentucky for VA, FHA, USDA, and KHC programs. I take pride in being thorough, transparent, and attentive with each and every client.

Please take a moment to read my reviews below. If you have questions or need guidance, feel free to call or text me directly.

I have helped over 1300 Kentucky families buy or refinance their home over the last 20 years. Realizing that this is one of the biggest, most important financial transactions a family makes during their lifetime, I always feel honored and respected when I am chosen to originate their personal home loan. You can count on me to deliver on what I say, and I will always give you honest, up-front personal attention you deserve during the loan process.

You will not get lost in the shuffle like most borrowers do at the mega banks; you’re just not a number at our company, you are a person and we will treat you like one throughout the entire process.

Give us a try or let us compare your options on your next mortgage transaction. Call me locally at 502-905-3708. Free Mortgage Pre-Qualifications same day on most applications.

Email me at kentuckyloan@gmail.com with your questions

I specialize in Kentucky FHA, VA ,USDA, KHC, Conventional mortgage loans. I am based out of Louisville Kentucky. For the first time buyer , we offer Kentucky Housing or KHC loans with down payment assistance.

Customer Testimonials

We just moved here the first of January in 2017 from Ohio to the Louisville, KY area and we found Joel’s website online. He was quick to respond to us and got back the same day on our loan approval. He was very knowledgeable about the local market and kept us up-to date throughout the loan process and was a pleasure to meet at closing. Would recommend his services.

Angela Forsythe

“We were searching online for mortgage companies in Louisville, Ky locally to deal with and found Joel’s website, and it was a godsend. He was great to work with, and delivered on everything he said he would do. I ended up referring my co-worker at UPS, and she was very pleased with his service and rates too. Would definitely vouch for him.” September 2016

Monica Leinhardt

“We contacted Joel back in July 2011 to refinance our Mortgage and he was great to work with. We contacted several lenders locally and online, and most where taking almost 60 days to close a refinance, Joel got it done in 23 days start to finish,I would definetly recommmend him. He got us 3.75% with just $900 in closing costs on our FHA Streamline loan.

Kayle Griffin

“Joel is one of the best Mortgage Brokers I have ever worked with in my sixteen years in the real estate and mortgage business.” May 25, 2010

Tim Beck

“Joel has always worked very hard to keep his word and to work out seasonable solutions to difficult problems. He is truly an expert in FHA and other type loans.” September 1, 2010

Nancy Nalley

“I have worked with Joel since 1998. He is a great loan professional.” I refer most of my Louisville, Kentucky area home buyers to him and he always take special care of them. August 23, 2012

Jon Clark

“Joel Lobb is a real professional in the lending industry, with many years of experience, he is the one to go to for any mortgage lending needs.” August 22, 2011

RICHARD VOLZ , Residential Sales , Remax Foursquare Realty

“When looking to purchase our new home in 2006, I had the pleasure of meeting Joel Lobb. Not only was he personable and easy to reach, he was extremely knowledgable in his field and made sure to find us the best rate and a top notch mortgage company. We were able to complete the process in less than 3 weeks with his expertise. I find Joel to have the utmost high integrity and I recommend him to anyone who say’s they are need of mortgage assistance. He is also fantastic and keeping everyone up to date on the latest in the housing industry through his twitter posts. He provided great results for our family and we still communicate to this day!” August 21, 2010

Stacie Drake

“We first use Joel on our new home purchase in 2007 in St Matthews, Kentucky area and he was great to work with. We have since refinanced our home with him in 2010 when rates got really low and he has always delivered on what he says. I could not imagine using anyone else.”

Melody Glasscock March 2014

Absolutely Amazing!! I emailed Joel after I had just got a denial from a bank and just thought i would try to get some advice on what my next steps would be to get a house. I honestly didn’t expect to even get a reply because my credit is not great. That was about a week and a half ago. I just signed a contract on a house last night. ONLY because of Joel Lobb. He even worked with us throughout the weekend, which shocked me. Best decision I have ever made. THANK YOU SO MUCH FOR WORKING WITH US THROUGHOUT THE ENTIRE PROCESS.

Cee Bellisle August 2017

Contacted him about buying a home and he was great to work with. I was moving to Louisville Ky to take a new job and he walked me through the entire process. He explained to me all the different options for FHA, VA, USDA mortgage loans and credit score requirements versus Fannie Mae. Since I was a first time home buyer I needed alot of help and guidance. I would definitely recommend him. Fast to respond and available to answer questions that I or my realtor had after hours.

Anderson Johnson April, 2018

We moved from Michigan to Northern Kentucky area and we were really impressed. We got a USDA loan no money down and closed in less than 3.5 weeks. We shopped around online with other lenders but Joel was always first to respond and his rates were just a little better than other lenders. He kept us informed through the process along with our realtor and there was absolutely no surprises like we heard from other co-workers and friends that they experienced in their loan process. We have already referred another co-worker to Joel . He’s AWESOME!

Patty Kingston July 2018

Website Fine Print
The content provided on this website is presented or compiled by Joel Lobb and is provided for informational purposes only. It does not necessarily represent the views or opinions of his employer.

Joel Lobb or his employer assumes any legal liability or responsibility for the accuracy, completeness, or usefulness of any information disclosed, or represents that its use would not infringe privately owned rights.

The mortgage or financial services or strategies mentioned in this website may not be not suitable for you.

Joel Lobb is a Licensed Mortgage Originator: NMLS #57916.
Legal Disclaimer

This web site is not the FHA, VA, USDA, HUD or any other government organization responsible for managing, insuring, regulating or issuing residential mortgage loans.

**Download Fair Housing Booklet – CLICK HERE

All approvals and rates are not guaranteed, and are only issued based on standard mortgage qualifying guidelines.

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Credit scores used for a Kentucky mortgage loan approval for Experian, Equifax and transunion

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Big News for Kentucky Mobile Home Buyers: USDA Loan Changes Coming in 2025!

What Does This Mean for Kentucky Homebuyers?

Benefits of the USDA Manufactured Home Loan Program

How to Qualify for a USDA Loan for Mobile Homes in Kentucky

Why This Update Is Great for Kentucky Buyers

Get Pre-Approved for Your USDA Mobile Home Loan in Kentucky

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