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.
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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.
Best Kentucky Housing Corporation Lenders
Lender | NerdWallet rating | Min. credit score | Min. down payment | Learn more |
---|---|---|---|---|
![]() Guaranteed Rate: NMLS#2611 Learn more at Guaranteed Rate | Best for online experience | 620 | 3% | Learn more at Guaranteed Rate |
![]() Fairway Independent Mortgage: NMLS#2289 Learn more at Fairway Independent Mortgage | Best for buying a fixer-upper | 620 | 3% | Learn more at Fairway Independent Mortgage |
![]() Caliber: NMLS#15622 | Best for veterans | 580 | 0% | Read review |
![]() loanDepot: NMLS#174457 | Best for buying a fixer-upper | 620 | 5% | Read review |
![]() PrimeLending: NMLS#13649 | Best for borrowers with limited credit history | 620 | 3% | Read review |
![]() BB&T (Truist): NMLS#399803 | Best for online experience | 620 | 3% | Read review |

at Guaranteed Rate
Guaranteed Rate: NMLS#2611

Min. credit score
620Min. down payment
3%at Guaranteed Rate

at Fairway Independent Mortgage
Fairway Independent Mortgage: NMLS#2289

Min. credit score
620Min. down payment
3%at Fairway Independent Mortgage
Caliber: NMLS#15622

Min. credit score
580Min. down payment
0%loanDepot: NMLS#174457

Min. credit score
620Min. down payment
5%PrimeLending: NMLS#13649

Min. credit score
620Min. down payment
3%BB&T (Truist): NMLS#399803

Min. credit score
620Min. down payment
3%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
To recap our selections...
NerdWallet's Best Kentucky Housing Corporation Lenders of 2021
- Guaranteed Rate: Best for online experience
- Fairway Independent Mortgage: Best for buying a fixer-upper
- Caliber: Best for veterans
- loanDepot: Best for buying a fixer-upper
- PrimeLending: Best for borrowers with limited credit history
- BB&T (Truist): Best for online experience