Kentucky USDA Rural Housing Mortgage Lender

I specialize in Kentucky USDA Rural Housing mortgage loans in KY. Apply for free today for a Rural Housing loan Pre-Approval Letter. Same day approvals. I offer the USDA Rural Development Guaranteed Housing Loans for all counties in Kentucky that are eligible. Put my expert advice to use. Call or text 502-905-3708 or email kentuckyloan@gmail.com This website is not affiliated with USDA or any other government agency. NMLS# 57916 NMLS# 1738461

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Map of Northern Kentucky showing USDA Eligible areas for the Kentucky Rural Housing Program


Map of Northern Kentucky showing USDA Eligible areas

Map of Northern Kentucky showing USDA Eligible areas for the Kentucky Rural Housing Program
USDA Rural Housing Map for Northern Kentucky Homes Eligibility boundaries for all counties to include Kenton, Boone, Campbell, of Kentucky 

Kentucky USDA Property Eligibility

enter address below:


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Kentucky Rural Housing USDA Loans






A full list of income limits by county and household size are available on the Rural Development website at www.rd.usda.gov/ne under the Guarantee Loan Program and Direct Loan programs. 



USDA Property Eligibility Text Description County List for Kentucky

Select your county from the list below (Non-hyperlinked counties are all eligible).

USDA Property Eligibility Text Description County List for Kentucky



Select your county from the list below (Non-hyperlinked counties are all eligible).






  1. Adair

  2. Allen
  3. Anderson
  4. Ballard
  5. Barren
  6. Bath
  7. Bell
  8. Boone
  9. Bourbon
  10. Boyd
  11. Boyle
  12. Bracken
  13. Breathitt
  14. Breckinridge
  15. Bullitt
  16. Butler
  17. Caldwell
  18. Calloway
  19. Campbell
  20. Carlisle
  21. Carroll
  22. Carter
  23. Casey
  24. Christian
  25. Clark
  26. Clay
  27. Clinton
  28. Crittenden
  29. Cumberland
  30. Daviess
  31. Edmonson
  32. Elliott
  33. Estill
  34. Fayette (county is completely ineligible)
  35. Fleming
  36. Floyd
  37. Franklin
  38. Fulton
  39. Gallatin
  40. Garrard
  41. Grant
  42. Graves
  43. Grayson
  44. Green
  45. Greenup
  46. Hancock
  47. Hardin
  48. Harlan
  49. Harrison
  50. Hart
  51. Henderson
  52. Henry
  53. Hickman
  54. Hopkins
  55. Jackson
  56. Jefferson (county is completely ineligible)
  57. Jessamine
  58. Johnson
  59. Kenton
  60. Knott
  61. Knox
  62. Larue
  63. Laurel
  64. Lawrence
  65. Lee
  66. Leslie
  67. Letcher
  68. Lewis
  69. Lincoln
  70. Livingston
  71. Logan
  72. Lyon
  73. McCracken
  74. McCreary
  75. McLean
  76. Madison
  77. Magoffin
  78. Marion
  79. Marshall
  80. Martin
  81. Mason
  82. Meade
  83. Menifee
  84. Mercer
  85. Metcalfe
  86. Monroe
  87. Montgomery
  88. Morgan
  89. Muhlenberg
  90. Nelson
  91. Nicholas
  92. Ohio
  93. Oldham
  94. Owen
  95. Owsley
  96. Pendleton
  97. Perry
  98. Pike
  99. Powell
  100. Pulaski
  101. Robertson
  102. Rockcastle
  103. Rowan
  104. Russell
  105. Scott
  106. Shelby
  107. Simpson
  108. Spencer
  109. Taylor
  110. Todd
  111. Trigg
  112. Trimble
  113. Union
  114. Warren
  115. Washington
  116. Wayne
  117. Webster
  118. Whitley
  119. Wolfe
  120. Woodford




Kentucky HUD Homes for $100 Down







Joel Lobb (NMLS#57916)

Senior  Loan Officer

American Mortgage Solutions, Inc.
10602 Timberwood Circle Suite 3
Louisville, KY 40223

Company ID #1364 | MB73346




Disclaimer: No statement on this site is a commitment to make a loan. Loans are subject to borrower qualifications, including income, property evaluation, sufficient equity in the home to meet Loan-to-Value requirements, and final credit approval. Approvals are subject to underwriting guidelines, interest rates, and program guidelines and are subject to change without notice based on applicant's eligibility and market conditions. Refinancing an existing loan may result in total finance charges being higher over the life of a loan. Reduction in payments may reflect a longer loan term. Terms of any loan may be subject to payment of points and fees by the applicant  Equal Opportunity Lender. NMLS#57916 http://www.nmlsconsumeraccess.org/




Joel Lobb, Mortgage Broker FHA, VA, KHC, USDA
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Joel Lobb, Mortgage Broker FHA, VA, KHC, USDA
Why Work With Me? Local Expertise: I know the ins and outs of Kentucky’s housing market and loan programs. Fast Approvals: I offer free mortgage applications with same-day approvals to keep the process moving quickly. Customized Loan Solutions: Whether you’re buying a home or refinancing, I’ll find the right loan program to fit your needs. Personalized Service: I treat every client like family, ensuring you’re supported and informed throughout the process. About My Website Visit my website for a wealth of resources tailored to Kentucky homebuyers. You’ll find: Step-by-step guides for first-time homebuyers. Information on loan programs like FHA, VA, USDA, and KHC. Tools to help you calculate potential payments and affordability. Blog posts with tips and updates on the Kentucky housing market. A secure portal to start your loan application and upload documents. Please Note: My website is not endorsed by the FHA, VA, USDA, or any government agency. It is an independent platform created to educate and assist homebuyers with expert advice and accessible tools.
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