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Kentucky mortgage questions, answered plainly. The things people ask me, written down.
Practical explanations of mortgage options, costs and financing decisions for Kentucky buyers and homeowners.
Kentucky Homestead Exemption: Who Qualifies and What It Saves
The Kentucky homestead exemption takes $49,100 off your home's assessed value for 2025 and 2026 if you're 65+ or totally disabled. Who qualifies, how to apply in Jefferson County, and what it does to your mortgage payment.
Which Areas Near Louisville Qualify for a USDA Loan in Kentucky?
USDA loans need no down payment, and a large share of the ring around Louisville is eligible. Which counties and towns tend to qualify, how the map really works, and the two limits that decide it.
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