Loan programs in Kentucky. Grouped by what you are actually trying to do.

Most people arrive with a situation rather than a program name. Find the situation that sounds like yours — or skip all of it and just call Ryan Miles, which is usually faster.

Buying your first home

You have the income. The down payment is the problem.

First-time home buyer loans in KentuckyIncluding KHC down payment assistance — the single most-missed piece of a Kentucky purchase.FHA loans in Kentucky3.5% down and the most forgiving on credit history. The usual base for state assistance.USDA loans in KentuckyZero down, and eligible across much of the ring beyond Jefferson County.Conventional loans in KentuckyFrom 3% down, with mortgage insurance that comes off rather than following you forever.

You served

The benefit you earned is usually the best loan available.

VA loans in KentuckyZero down, no monthly mortgage insurance, and the funding fee waived entirely with a disability rating.

Your income does not fit a box

Real income, wrong format.

Self-employed and bank statement loans in KentuckyQualified on deposits rather than a tax return you legitimately wrote down. Also 1099, non-QM and ITIN.Jumbo loans in KentuckyAbove the conforming limit, where lender-by-lender pricing varies more than anywhere else.

Investing

The property can qualify itself.

DSCR and investment property loans in KentuckyQualified on the rent, with no personal debt-ratio ceiling to stop the portfolio growing.HELOCs and second mortgages in KentuckyFund the next down payment without giving up the rate on your first mortgage.

You already own

Changing the loan you have.

Refinancing in LouisvilleRate, term, cash out — and the break-even math that decides whether any of it is worth doing.HELOCs and second mortgages in KentuckyAccess equity while leaving a low first-mortgage rate intact.

No credit pull · No obligation

Put your mortgage scenario in front of Ryan.

Send the shape of your situation and Ryan will tell you where you actually stand — including when the answer is that a different program, or a different month, serves you better. He reads these himself.

18 yearsoriginating since 2007

1,800+loans closed

200+ lendersshopped on your file

Call or text(502) 457-6615

Emailryan@sweetwaterHL.com

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🔒 Nothing on this form touches your credit. No Social Security number, no pay stubs, no application — just enough for Ryan to give you a straight answer. Equal Housing Opportunity. Ryan Miles, NMLS #112627 · Coast 2 Coast Mortgage, LLC, NMLS #376205.