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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Buying a Home

From zero-down government programs to financing above county limits.

• FHA Loans — FHA home loans with 3.
• VA Loans — Zero-down home loans for veterans and eligible service members: no monthly mortgage insurance, credit from 580, manufactured homes included.
• USDA Loans — Zero-down home loans for rural Kentucky: 100% financing, no monthly mortgage insurance, credit from 620.
• Conventional Loans — The standard home loan: 3% minimum down, 620+ credit, gift funds allowed, and mortgage insurance that drops off — plus down payment assistance.
• Jumbo Loans — Home financing above conforming limits: up to 90% LTV, loans to $5MM, interest-only options.

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Self-Employed & Alternative Income

When tax returns undersell what you actually earn or hold.

• Bank Statement Loans — Qualify on 12–24 months of bank deposits instead of tax returns.
• No-DTI Loans — No income documentation, no employment required: qualify on FICO, assets, and reserves.

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Investors

Loans underwritten on the property and the plan — the cabin-investor toolkit.

• DSCR Loans — Investor loans with no tax returns: the property’s rental income qualifies the deal.
• Fix & Flip Loans — Short-term investor financing: 12–18 month terms, $10K minimum down, up to 100% of rehab costs funded.
• Hard Money Loans — Asset-based investor financing: no tax returns, up to 100% rehab cost funding, $100K–$5MM.
• Commercial Loans — Financing for commercial property: up to 80% LTV, interest-only options, DSCR as low as 1:1, cash-out to $5MM.

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Unique Properties

The properties banks decline — land, manufactured homes, barndos, tough condos.

• Vacant Land Loans — Finance vacant land with loan amounts from $100K to $1.
• Mobile & Manufactured Home Loans — Single and double-wide financing with no age or acreage restrictions, up to 75% LTV including home and land, purchase or cash-out refinance.
• Barndominium Loans — Purchase financing for barndominiums with credit from 660 and up to 80% LTV.
• Non-Warrantable Condo & Townhome Loans — Financing for condos and townhomes that fail Fannie/Freddie warranty rules.

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Later in Life

Equity without a monthly payment, for homeowners 62 and up.

• Reverse Mortgages — For homeowners 62+: convert home equity into cash or eliminate the mortgage payment, with no monthly payment required and HUD-counseled protections.

More Financing Guides

• Kentucky First-Time Homebuyer Guide — the path from renting to keys, program by program.
• Kentucky Down Payment Assistance — how state assistance works and stacks.
• Loan Comparison Guide — FHA vs USDA vs VA vs Conventional in one table.
• Construction & Land-to-Build Loans — financing the build, draws included.
• Manufactured Home Dealer Program — for dealers: draws handled, tough files closed.

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.