home loan programs
Kentucky Home Loan Programs: Mortgage Solutions for Every Stage of Homeownership
-
Brady Webb
Buying a home is one of the biggest financial decisions you'll ever make.
Whether you're purchasing your first home in Louisville, relocating to Lexington, buying acreage in rural Kentucky, or investing in rental property, choosing the right financing can save you thousands over the life of your loan.
At American Mortgage Solutions, we specialize in helping Kentucky homebuyers navigate today's lending options to find the program that best fits their financial goals, not just the lowest interest rate.
Let's explore the most popular loan programs available.
Conventional Loans
Ideal for borrowers with::
- Good Credit
- Low down payment options
- Competitive interest rates
- Flexible loan terms
Perfect for:
- First-time homebuyers
- Move-up buyers
- Repeat homeowners
Conventional financing is often ideal for repeat buyers and homeowners with good credit.
FHA Loans
FHA financing remains one of Kentucky's most popular first-time homebuyer programs.
Benefits include:
- 3.5% down payment
- Flexible credit
- Higher DTI allowances
- Gift funds accepted
VA Loans
We proudly serve Kentucky veterans.
VA loans offer:
- No down payment
- No monthly PMI
- Competitive rates
- Flexible qualification
Whether you're buying in Louisville, Elizabethtown, Shelbyville, Bowling Green, or anywhere across Kentucky, we can help you maximize your VA benefits.
USDA Loans
Kentucky has one of the largest USDA-eligible areas in the country.
Qualified buyers may receive:
- 100% Financing
- Low monthly mortgage insurance
- Competitive rates
Many buyers are surprised their community qualifies.
Jumbo Loans
Need financing beyond conforming loan limits?
We offer jumbo financing for:
- Executive homes
- Luxury properties
- Large acreage homes
Investment Property Loans
We help investors finance:
- Rental properties
- Short-term rentals
- DSCR loans
- Fix-and-flip financing
- Bank Statement Loans
Home Equity Loans & HELOCs
Your home's equity may help fund:
- Debt consolidation
- Home improvements
- College expenses
- Investment opportunities
Why Work With American Mortgage Solutions?
We're an independent mortgage broker.
That means we work with multiple lenders—not just one.
Instead of trying to fit every borrower into the same program, we compare options to help find the right mortgage for your unique situation.
We proudly serve buyers throughout Kentucky including:
- Louisville
- Lexington
- Shelbyville
- Frankfort
- Elizabethtown
- Bardstown
- Shepherdsville
- Oldham County
- Jefferson County
- Bullitt County
- Shelby County
And communities throughout Kentucky.
Whether you're a first-time buyer, military veteran, investor, or repeat homeowner, we're committed to providing honest advice, competitive financing, and exceptional service from application through closing.
Whether you're a first-time buyer, military veteran, investor, or repeat homeowner, we're committed to providing honest advice, competitive financing, and exceptional service from application through closing.
Contact Us!
Ready to explore your options? Contact American Mortgage Solutions today for a personalized mortgage consultation.
📞 Contact Brady Webb
🌴 American Mortgage Solutions
📍 Louisville, KY: (502) 327-9770
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Copyright © 2026 American Mortgage Solutions NMLS: 1364/MB73346
Licensed in: FL, KY, IN
FL-MBR1574, KY-MB73346
Copyright © 2026 American Mortgage Solutions NMLS: 1364/MB73346
Licensed in: FL, KY, IN
FL-MBR1574, KY-MB73346
American Mortgage Solutions follows all Equal Housing laws. As prohibited by federal law, we do not engage in business practices that discriminate on the basis of race, color, religion, national origin, sex, marital status, age, because all or part of your income may be derived from any public assistance program, or because you have, in good faith, exercised any right under the Consumer Credit Protection Act. Disclaimer: Programs subject to change without notice. All borrowers must qualify per program guidelines.
These materials are not from HUD, FHA, the USDA, or the VA. These materials were not approved by any government agency. They are independent of any government agency. We are not in any way affiliated with any organization listed or referenced within this website, including HUD/FHA/USDA/VA. The inclusion of various education, information, web links, or materials are not an endorsement of the Sender or any of its employees or business partners. For information directly from HUD/FHA, visit https://www.hud.gov/guidance For information directly from the VA, visit http://www.benefits.va.gov/HOMELOANS/ For information directly from the USDA, visit http://www.usda.gov/wps/portal/usda/usdahome?navid=GRANTS_LOANS