This guide is part of my statewide financing library — the plain-English rundown of how each loan type works for Kentucky buyers, from Lexington subdivisions to Gorge cabins and everything between. I’m your agent, not your lender: programs described here come from licensed third-party lenders, and I’ll gladly introduce you to ones who know Kentucky.

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What You Can Use It For

• Buying a home with absolutely nothing down
• Purchasing single-family homes, condos, PUDs, 2–4 unit properties, and manufactured homes
• Lowering the rate on an existing VA loan via the streamlined Interest Rate Reduction loan
• Buying again after a previous VA purchase — entitlement can be restored and reused

Why Borrowers Choose It

• 100% financing — the down payment barrier simply doesn’t exist
• No monthly mortgage insurance, which beats FHA and low-down conventional pricing month after month
• Credit scores as low as 580 considered
• The IRRRL refinance makes future rate drops cheap and fast to capture

Program Highlights

• 100% financing with $0 down available
• FICO as low as 580
• Owner-occupied only
• SFR, 2–4 units, condo, PUD & manufactured homes
• Full income documentation; minimum 2 years employment
• DD214 & Certificate of Eligibility required
• VA Interest Rate Reduction (IRRRL) refinance available

Highlights reflect lender program guidelines at the time of writing — programs change, and your terms depend on your full application.

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Veterans in Our Region

Kentucky’s veteran community is deep, and this region’s price points make the zero-down benefit stretch further than almost anywhere: at typical Lee or Estill county prices, VA financing can put a veteran in a home for little more than closing costs. If you served and you’re renting in this region, run the comparison — it’s usually not close.

Common Questions

I’m not sure I’m eligible — how do I find out?

Your DD214 answers it. The Certificate of Eligibility can be pulled quickly, and checking costs nothing. Guard and Reserve service can qualify too — don’t assume yourself out of the best loan available.

Can I use VA for a duplex?

Yes — up to four units, as long as you live in one. It’s one of the strongest wealth-building moves available to veterans: tenants pay the mortgage on a property you bought with zero down.

Equal Housing Lender. This is not a commitment to lend or extend credit. Programs, rates, terms, and conditions are subject to change without notice; all applicants are subject to credit and underwriting approval, and not all applicants will qualify. Program details shown reflect available lender guidelines at the time of writing and may differ at application. Consult your accountant about tax matters. The loan programs described on this page are offered by licensed third-party lenders, not by Marcos Gil. Marcos is a licensed Kentucky real estate agent — not a mortgage loan originator — and can introduce you to a licensed loan officer for any program here. Verify any lender or loan officer at NMLS Consumer Access: nmlsconsumeraccess.org.