THE FHA IN KENTUCKY

FHA loans have been helping Kentucky residents since 1934 

 

A licensed Kentucky FHA Lender can offer you a better loan including:

Low down payments (if any)

24 Hour Pre-Approval

Low closing costs

Easier credit qualifying

48 hour Streamline Refinancing


 


Kentucky First Time Home Buyer Loan

This FHA loan program was created to help increase homeownership. The FHA program makes buying a home easier and less expensive than any other types of real estate mortgage home loan programs.

Buy a home in Kentucky with  help from a Family Member

When buying a home, almost every lender will want to know where your down payment came from. If someone in your family is helping you with that down payment, it is called a Gift of Equity, a special FHA loan program.

Kentucky FHA Refinance to a Lower Rate

Lowering your monthly mortgage payment is easier than ever as mortgage interest rates continue to set new record lows almost every week for more than two month.  

Kentucky FHA Debt Consolidation

An FHA Debt Consolidation Loan can change your life, and we can connect you to an FHA Home Lending expert to talk over your financial situation so you’re not left to figure out everything completely on your own.  

 

Kentucky FHA Home Loan

How it works:

 

√    Determine the type of FHA Government Loan that best fits your needs.

 

√       Complete an easy 2 minute application form.

 

√    We will forward your application to one and only one  FHA Approved Lender who can best help you based upon:

 

  • The type of loan you requested

  • Your down-payment (if purchase loan)

  • The location (State) your property is located

  • Your credit history

  • The best rate available for your loan

 

√    An FHA Loan Specialist will respond within 1 business day. They will explain what type of loan you are approved for, and the options available to you. 

 

√    Immediately that same day, the FHA Lender will overnight your pre-approval letter to you.

 

√    Review with no obligations your FHA Loan Pre-approval and locked rate. 

 

Note- It is very important that you keep this letter. It is your official pre-approval on bank letterhead with your 'locked rate', and if purchasing a house, it is equally important that you present this letter to the real estate agent to confirm your pre-qualification status.              

Kentucky FHA Lending Limits 2017

Kentucky Median Home Sale Price Price $148,900

 

County NameSingleDuplex3 Unit4 Unit
ADAIR$275,665$352,950$426,625$530,150
ALLEN$275,665$352,950$426,625$530,150
   BOWLING GREEN, KY
ANDERSON$275,665$352,950$426,625$530,150
   FRANKFORT, KY
BALLARD$275,665$352,950$426,625$530,150
   PADUCAH, KY-IL
BARREN$275,665$352,950$426,625$530,150
   GLASGOW, KY
BATH$275,665$352,950$426,625$530,150
   MOUNT STERLING, KY
BELL$275,665$352,950$426,625$530,150
   MIDDLESBOROUGH, KY
BOONE$275,665$352,950$426,625$530,150
   CINCINNATI, OH-KY-IN
BOURBON$275,665$352,950$426,625$530,150
   LEXINGTON-FAYETTE, KY
BOYD$275,665$352,950$426,625$530,150
   HUNTINGTON-ASHLAND, WV-KY-OH
BOYLE$275,665$352,950$426,625$530,150
   DANVILLE, KY
BRACKEN$275,665$352,950$426,625$530,150
   CINCINNATI, OH-KY-IN
BREATHITT$275,665$352,950$426,625$530,150
BRECKINRIDGE$275,665$352,950$426,625$530,150
BULLITT$299,000$382,750$462,650$575,000
   LOUISVILLE/JEFFERSON , KY-IN
BUTLER$275,665$352,950$426,625$530,150
   BOWLING GREEN, KY
CALDWELL$275,665$352,950$426,625$530,150
CALLOWAY$275,665$352,950$426,625$530,150
   MURRAY, KY
CAMPBELL$275,665$352,950$426,625$530,150
   CINCINNATI, OH-KY-IN
CARLISLE$275,665$352,950$426,625$530,150
CARROLL$275,665$352,950$426,625 $530,150
CARTER$275,665$352,950 $426,625$530,150
CASEY$275,665 $352,950$426,625$530,150
CHRISTIAN $275,665$352,950$426,625$530,150
   CLARKSVILLE, TN-KY
CLARK$275,665$352,950$426,625$530,150
   LEXINGTON-FAYETTE, KY
CLAY$275,665$352,950$426,625$530,150
CLINTON$275,665$352,950$426,625$530,150
   NON-METRO
CRITTENDEN$275,665$352,950$426,625$530,150
CUMBERLAND$275,665$352,950$426,625$530,150
DAVIESS$275,665$352,950$426,625$530,150
   OWENSBORO, KY
EDMONSON$275,665$352,950$426,625$530,150
   BOWLING GREEN, KY
ELLIOTT$275,665$352,950$426,625$530,150
ESTILL$275,665$352,950$426,625$530,150
FAYETTE$275,665$352,950$426,625$530,150
   LEXINGTON-FAYETTE, KY
FLEMING$275,665$352,950$426,625$530,150
   NON-METRO
FLOYD$275,665$352,950$426,625$530,150
FRANKLIN$275,665$352,950$426,625$530,150
   FRANKFORT, KY
FULTON$275,665$352,950$426,625$530,150
   UNION CITY, TN-KY
GALLATIN$275,665$352,950$426,625$530,150
   CINCINNATI, OH-KY-IN
GARRARD$275,665$352,950$426,625$530,150
GRANT$275,665$352,950$426,625$530,150
   CINCINNATI, OH-KY-IN
GRAVES$275,665$352,950$426,625$530,150
   MAYFIELD, KY
GRAYSON$275,665$352,950$426,625$530,150
GREEN$275,665$352,950$426,625 $530,150
GREENUP$275,665$352,950 $426,625$530,150
   HUNTINGTON-ASHLAND, WV-KY-OH
HANCOCK$275,665$352,950$426,625$530,150
   OWENSBORO, KY
HARDIN$275,665$352,950$426,625$530,150
   ELIZABETHTOWN-FORT KNOX, KY
HARLAN$275,665$352,950$426,625$530,150
HARRISON$275,665$352,950$426,625$530,150
HART$275,665$352,950$426,625$530,150
   NON-METRO
HENDERSON$275,665$352,950$426,625$530,150
   EVANSVILLE, IN-KY
HENRY$299,000$382,750$462,650$575,000
   LOUISVILLE/JEFFERSON , KY-IN
HICKMAN$275,665$352,950$426,625$530,150
HOPKINS$275,665$352,950$426,625$530,150
   MADISONVILLE, KY
JACKSON$275,665$352,950$426,625$530,150
JEFFERSON$299,000$382,750$462,650$575,000
   LOUISVILLE/JEFFERSON , KY-IN
JESSAMINE$275,665$352,950$426,625$530,150
   LEXINGTON-FAYETTE, KY
JOHNSON$275,665$352,950$426,625$530,150
KENTON$275,665$352,950$426,625 $530,150
   CINCINNATI, OH-KY-IN
KNOTT$275,665$352,950 $426,625$530,150
KNOX$275,665 $352,950$426,625$530,150
   LONDON, KY
LARUE $275,665$352,950$426,625$530,150
   ELIZABETHTOWN-FORT KNOX, KY
LAUREL$275,665$352,950$426,625$530,150
   LONDON, KY
LAWRENCE$275,665$352,950$426,625$530,150
LEE$275,665$352,950$426,625$530,150
   NON-METRO
LESLIE$275,665$352,950$426,625 $530,150
LETCHER$275,665$352,950 $426,625$530,150
LEWIS$275,665 $352,950$426,625$530,150
LINCOLN $275,665$352,950$426,625$530,150
   DANVILLE, KY
LIVINGSTON$275,665$352,950$426,625$530,150
   PADUCAH, KY-IL
LOGAN$275,665$352,950$426,625$530,150
LYON$275,665$352,950$426,625$530,150
MADISON$275,665$352,950$426,625$530,150
   RICHMOND-BEREA, KY
MAGOFFIN$275,665$352,950$426,625$530,150
MARION$275,665$352,950$426,625$530,150
MARSHALL$275,665$352,950$426,625$530,150
MARTIN$275,665$352,950$426,625$530,150
MASON$275,665$352,950$426,625$530,150
   MAYSVILLE, KY
MCCRACKEN$275,665$352,950$426,625$530,150
   PADUCAH, KY-IL
MCCREARY$275,665$352,950$426,625$530,150
MCLEAN$275,665$352,950$426,625$530,150
   OWENSBORO, KY
MEADE$275,665$352,950$426,625$530,150
   ELIZABETHTOWN-FORT KNOX, KY
MENIFEE$275,665$352,950$426,625$530,150
   MOUNT STERLING, KY
MERCER$275,665$352,950$426,625$530,150
METCALFE$275,665$352,950$426,625$530,150
   GLASGOW, KY
MONROE$275,665$352,950$426,625$530,150
MONTGOMERY$275,665$352,950$426,625$530,150
   MOUNT STERLING, KY
MORGAN$275,665$352,950$426,625$530,150
MUHLENBERG$275,665$352,950$426,625$530,150
   NON-METRO
NELSON$275,665$352,950$426,625$530,150
   BARDSTOWN, KY
NICHOLAS$275,665$352,950$426,625$530,150
OHIO$275,665$352,950$426,625$530,150
OLDHAM$299,000$382,750$462,650$575,000
   LOUISVILLE/JEFFERSON , KY-IN
OWEN$275,665$352,950$426,625$530,150
OWSLEY$275,665$352,950$426,625$530,150
PENDLETON$275,665$352,950$426,625$530,150
   CINCINNATI, OH-KY-IN
PERRY$275,665$352,950$426,625$530,150
   NON-METRO
PIKE$275,665$352,950$426,625$530,150
POWELL$275,665$352,950$426,625$530,150
PULASKI$275,665$352,950$426,625$530,150
   SOMERSET, KY
ROBERTSON$275,665$352,950$426,625$530,150
ROCKCASTLE$275,665$352,950$426,625$530,150
   RICHMOND-BEREA, KY
ROWAN$275,665$352,950$426,625$530,150
RUSSELL$275,665$352,950$426,625$530,150
SCOTT$275,665$352,950$426,625$530,150
   LEXINGTON-FAYETTE, KY
SHELBY$299,000$382,750$462,650$575,000
   LOUISVILLE/JEFFERSON , KY-IN
SIMPSON$275,665$352,950$426,625$530,150
SPENCER$299,000$382,750$462,650$575,000
   LOUISVILLE/JEFFERSON , KY-IN
TAYLOR $275,665$352,950$426,625$530,150
   CAMPBELLSVILLE, KY
TODD$275,665$352,950$426,625$530,150
TRIGG$275,665$352,950$426,625$530,150
   CLARKSVILLE, TN-KY
TRIMBLE$299,000$382,750$462,650$575,000
   LOUISVILLE/JEFFERSON , KY-IN
UNION$275,665$352,950$426,625$530,150
WARREN$275,665$352,950$426,625$530,150
   BOWLING GREEN, KY
WASHINGTON$275,665$352,950$426,625$530,150
WAYNE$275,665$352,950$426,625$530,150
WEBSTER$275,665$352,950$426,625$530,150
WHITLEY$275,665$352,950$426,625$530,150
   LONDON, KY
WOLFE$275,665$352,950$426,625$530,150
WOODFORD$275,665$352,950$426,625$530,150
   LEXINGTON-FAYETTE, KY