BEST OF
6 Best Kentucky Housing Corporation Lenders of 2021
The Kentucky Housing Corporation offers down payment assistance and mortgage tax credit programs. See our top picks for KHC-approved lenders.
KHC mortgage programs provide down payment assistance and tax credits to both first-time and repeat home buyers. Want to know if you’re eligible? Talking with a KHC-approved lender is the first step.
To get you started, NerdWallet gathered a list of top mortgage lenders that participate in KHC programs. We’ve also included a few local, KHC-approved lenders that aren’t rated but provide a high volume of mortgages in Kentucky. Participation varies by county, so be sure to verify that a particular lender is active in your area.
KHC mortgage programs provide down payment assistance and tax credits to both first-time and repeat home buyers. Want to know if you’re eligible? Talking with a KHC-approved lender is the first step.
To get you started, NerdWallet gathered a list of top mortgage lenders that participate in KHC programs. We’ve also included a few local, KHC-approved lenders that aren’t rated but provide a high volume of mortgages in Kentucky. Participation varies by county, so be sure to verify that a particular lender is active in your area.
Summary of Best Kentucky Housing Corporation Lenders of 2021
Lender | NerdWallet Rating | Minimum Credit Score | Minimum Down Payment | Learn More |
---|---|---|---|---|
Best for online experience | 620 | 3% | Read review | |
Best for online experience | 620 | 3% | at Guaranteed Rate | |
Best for veterans | 580 | 0% | Read review | |
Best for buying a fixer-upper | 620 | 3% | at Fairway Independent Mortgage | |
Best for buying a fixer-upper | 620 | 5% | at loanDepot | |
Best for borrowers with limited credit history | 620 | 3% | Read review |
BB&T (Truist): NMLS#399803

Min. Credit Score
Min. Down Payment
at Guaranteed Rate
Guaranteed Rate: NMLS#2611

Min. Credit Score
Min. Down Payment
at Guaranteed Rate
Caliber: NMLS#15622

Min. Credit Score
Min. Down Payment
at Fairway Independent Mortgage
Fairway Independent Mortgage: NMLS#2289

Min. Credit Score
Min. Down Payment
at Fairway Independent Mortgage
at loanDepot
loanDepot: NMLS#174457

Min. Credit Score
Min. Down Payment
at loanDepot
PrimeLending: NMLS#13649

Min. Credit Score
Min. Down Payment
More KHC-approved lenders
These lenders also participate in KHC programs and are among the highest-volume mortgage providers in Kentucky; however, they haven’t been reviewed by NerdWallet.
Allows you to submit a preapproval request online.
Doesn’t list rates or loan types on its website.
Has several locations in Kentucky.
You must speak with a loan officer to apply.
Doesn’t publish loan options or mortgage rates on its website.
Has over a dozen locations in the Louisville area.
Provides online appointment scheduling with loan officers.
Doesn’t appear to have a digital application.
Has nearly 20 branch locations in and around Lexington.
Lets you start the preapproval process online.
Offers a wide variety of mortgage products.
Has over a dozen branch locations in Kentucky.
More from NerdWallet
Last updated on January 26, 2021
Methodology
NerdWallet's star ratings for mortgage lenders are awarded based on our evaluation of the products and services each lender offers to consumers who are actively shopping for the best mortgage. The five key areas we evaluated include the variety of loan types and products offered, online conveniences, online mortgage rate information, and the rate spread and origination fee lenders reported in the latest available Home Mortgage Disclosure Act data. To ensure consistency, our ratings are reviewed by multiple people on the NerdWallet Mortgages team.
To recap our selections...
NerdWallet's Best Kentucky Housing Corporation Lenders of 2021
- BB&T (Truist): Best for online experience
- Guaranteed Rate: Best for online experience
- Caliber: Best for veterans
- Fairway Independent Mortgage: Best for buying a fixer-upper
- loanDepot: Best for buying a fixer-upper
- PrimeLending: Best for borrowers with limited credit history