If you’re a veteran, active-duty service member, or eligible surviving spouse in Kentucky, a VA home loan may be the most powerful financing option you have. As a local mortgage broker, I help Kentucky veterans use their VA entitlement to buy or refinance a home with little or no money down.

Call/Text: 502-905-3708 | Email: kentuckyloan@gmail.com

Key Benefits of a Kentucky VA Home Loan

0% down payment for eligible buyers, subject to income and property approval.
No monthly mortgage insurance, which can mean a lower payment compared to FHA or Conventional.
Flexible credit standards – many buyers qualify with past credit challenges.
Competitive fixed interest rates on 30-year and 15-year terms.
Refinance options through VA IRRRL and cash-out programs.

Who Is Eligible for a VA Loan in Kentucky?

You may be eligible for a VA home loan if:

You served on active duty and meet minimum service requirements, or
You are a member of the National Guard or Reserves with qualifying service, or
You are an eligible surviving spouse.

I will help you confirm eligibility and obtain your VA Certificate of Eligibility (COE) at no cost.

VA Loan Property Types in Kentucky

With proper underwriting and appraisal, VA loans can be used to buy:

Single-family homes
Approved condos and townhomes
Manufactured homes on a permanent foundation
Homes in rural and suburban areas, including properties near Fort Knox and Fort Campbell

2025 VA Loan Limits in Kentucky

Buyers with full VA entitlement generally do not have a formal loan limit. If you have an existing VA loan or partial entitlement, standard conforming loan limits by county apply. I can review your situation and calculate how much entitlement you have available.

View Kentucky VA loan limits by county →

VA Funding Fee Basics

The VA funding fee is a one-time cost that helps keep the VA program available to future veterans. The amount depends on your down payment, service type and whether you have used a VA loan before. Certain disabled veterans may be exempt from the funding fee.

I will calculate the exact funding fee (or confirm your exemption) in your personalized loan estimate.

VA Refinance Options (IRRRL & Cash-Out)

Interest Rate Reduction Refinance Loan (IRRRL): Streamlined option to lower your rate and payment on an existing VA loan.
VA Cash-Out Refinance: Convert home equity to cash for debt consolidation, home improvements or other approved purposes.

Learn more about VA refinance options in Kentucky →

How the Kentucky VA Loan Process Works

Pre-Approval: We review your income, credit, assets and COE to determine your price range.
Home Search: You shop for homes that meet VA property guidelines and your budget.
Underwriting & Appraisal: We order a VA appraisal and submit your file to underwriting.
Final Approval & Closing: Once approved, you sign closing docs and receive your keys.

Get Started on Your Kentucky VA Home Loan

If you are ready to use your VA benefits to buy or refinance a home in Kentucky, I am here to guide you step by step.

This is not a commitment to lend. All loans are subject to credit approval, underwriting guidelines and property approval.

Kentucky Mortgage Loans for First-Time Buyers, Veterans & Rural Homebuyers

Helping Kentucky homebuyers since 2001. I’m Joel Lobb, a local mortgage broker specializing in FHA, VA, USDA Rural Housing, KHC down payment assistance, and Conventional loans across all 120 Kentucky counties.

Call/Text: 502-905-3708 | Email: kentuckyloan@gmail.com

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