Guides

Straight answers about homes and money

Kentucky-specific, plain-English, and cited to official sources — the programs and processes people usually learn about too late.

Which programs might fit you?

Three quick questions — nothing personal collected, just guide routing.

What are you trying to do?

Are you a veteran or service member?

Is the property outside city limits / in a rural area?

VA loans, SAH/SHA adaptive housing grants, and the HISA grant most veterans never hear about — from a veteran-owned company.

1%-interest repair loans and hazard-removal grants for rural Kentucky homeowners — and 0%-down USDA purchases.

Buy a duplex-to-fourplex with 3.5% down (FHA) or 0% down (VA), live in one unit, and let rent cover the mortgage.

Which trades need state licenses, LLC formation, insurance, local permits, and winning the first jobs.

Budget to keys: pre-approval, offers, inspections, closing costs, and the assistance programs that lower the barrier.

Ten free calculators — from concrete yards to mortgage payments.