Help expand access to affordable homeownership in Kentucky by becoming an approved lender with Kentucky Housing Corporation (KHC). Our programs are designed to support low- to moderate-income borrowers through competitive loan products, down payment assistance, and expert guidance. As a participating lender, you'll gain access to exclusive resources and the opportunity to serve a broader base of qualified homebuyers across the state.
Why Partner with Us?
- Access exclusive loan programs with down payment and closing cost assistance.
- Serve more borrowers with flexible income and credit requirements.
- Receive expert training and dedicated support from our lender relations team.
- Gain visibility through our online lender directory and statewide marketing.
Steps to Become An Approved Lender
- Review Lender Requirements
To qualify for approval, your organization must meet the following requirements. See the documents below for more information.
- Download and Complete the Application Packet
1. Lender Application Form
2. Program Participation Agreement
3. Compliance Certification
4. IRS W-9 Form
- Prepare Required Documentation
Please include the following with your application:
1. Most recent audited financial statements.
2. Resumes of key staff (including underwriting, compliance, and management).
3. HUD DE approval documentation.
4. Proof of state mortgage lender license.
5. Current E&O and fidelity bond insurance certificates.
- Complete Required Training
a. All new lenders must complete KHC's lender onboarding training, which covers:
1. Program guidelines and eligibility.
2. Income limits and property requirements.
3. Use of our loan submission portal.
4. Current E&O and fidelity bond insurance certificates.
b. Register:
1. Training events can be found on KHC's event calendar.
- Submit Application
Completed application packets can be submitted via email at housingpartners@kyhousing.org.
Our team will review your submission and contact you within 10 business days.
Annual Renewal Requirement
All participating lenders must complete an annual renewal to maintain their active status.
This includes:
- Updated audited financials.
- Current staff roster and license verification.
- Updated insurance certificates.
- Signed annual participation agreement.
- Renewal notifications and instructions are sent every January to the primary contact on file.
You can learn more about the process on the Lender Recertification page.
Programs Overview
All KHC loan types (FHA, VA, USDA, Fannie Mae, and Freddie Mac) offer up to $12,500 in down payment assistance (DPA) and are not restricted to first-time buyers. Minimum credit scores are 620 for FHA/VA/USDA and 660 for Fannie Mae/Freddie Mac.
Income Limits
Income eligibility is based on household size and county. We have different income limits for various program offerings; all can be found on our AllRegs page.
Contact Us
Have questions about becoming an approved lender or submitting your application?