How to Buy Your First Home in Kentucky with Zero Money Down: Complete 2025 Guide

How to Buy Your First Home in Kentucky with Zero Money Down

The Complete 2025 Guide to No Money Down Mortgages in Kentucky

By Joel Lobb |Joel Lobb, Kentucky Mortgage Broker FHA, VA, KHC, USDA Mortgage Loans | Updated August 2025

Get Pre-Approved Today

Introduction: The Kentucky Dream of Homeownership

For many Kentucky residents, the dream of homeownership feels just out of reach because of down payment requirements. With the state’s median home price at $224,303 in 2025, a traditional 20% down payment would mean saving nearly $45,000 in cash.

Fortunately, Kentucky offers some of the nation’s most generous no money down mortgage programs, including USDA, VA, FHA with assistance, and Kentucky Housing Corporation (KHC) loans. This guide explains how you can purchase your first Kentucky home with little to no upfront cash.

Kentucky's Top Zero Down Payment Programs

Program	Down Payment	Credit Score	Income Limits	Restrictions
USDA Rural Development	0%	580+	Yes	Rural only
VA Loans	0%	No minimum score but 620 preferred	No	Statewide
FHA + KHC DAP	0% with assistance	580–620+	Yes	Statewide
5% grant toward Purchase Price	0% with assistance	600–640+	No	Statewide

Program Snapshots

USDA Loans

• 100% financing
• Available in 95% of Kentucky
• No mortgage insurance

VA Loans

• 0% down payment for veterans & active duty
• No PMI ever
• Lowest interest rates

FHA with Assistance

• Down payment covered by KHC or lender DPA
• Flexible credit scores (580+ for some DPA and 620+ score for KHC $10 Dap loan )
• Great for first-time buyers

Important Note

“No money down” doesn’t always mean zero at closing. You may still need money for closing costs (2–5%). The good news: seller concessions, grants, or KHC programs can often cover those too—meaning true zero out-of-pocket homeownership is possible.

Frequently Asked Questions

Can I really buy a home in Kentucky with no money down?

Yes. USDA and VA loans allow 100% financing. FHA loans can reach zero down when paired with Kentucky Housing’s Down Payment Assistance Program (DAP).

Do I need perfect credit?

No. USDA typically requires 580+, FHA allows 580+ with 3.5% down payment and 500 credit score with 10% down payment, and VA has no minimum score requirement but most lenders want a 620 or above.

What if I don’t have closing cost money?

You can use seller concessions, grants, or lender credits to cover closing costs. Many of my clients purchase with $0 at closing.

Ready to Get Started?

Your Kentucky dream home is closer than you think. I’ll guide you step-by-step, help you choose the right program, and work to get you approved quickly.

Call Joel at (502) 905-3708 Email Me for Pre-Approval

Joel Lobb | Senior Loan Officer | Joel Lobb, Kentucky Mortgage Broker FHA, VA, KHC, USDA Mortgage Loans
NMLS ID: 57916 | Company NMLS ID: 1738461

Equal Housing Lender. All loans subject to credit approval. Rates, terms, and programs subject to change without notice. This is not a commitment to lend. We do business in accordance with the Federal Fair Housing Law.

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How To Buy A Kentucky Home With No Money Down

These loans are through a federal government-backed loan program. Eligible homebuyers in Kentucky  can use the following loan programs without having to put money down.

Kentucky USDA Home Loan

A U.S. Department of Agriculture (USDA) home loan is also known as a Rural Housing Loan. While it typically applies to those who live in rural areas, the program is also available to low-to-moderate-income households in some less-populated suburban areas within or near major cities. With this loan, there is no down payment required and no set maximum home purchase price. Additionally, homeowners may have the option to include home repair costs in the loan.

To apply for a USDA home loan, applicants must meet the following requirements:

• The gross total of a household's income cannot exceed 115 percent of the county's average income.
• A homebuyer's debt-to-income ratio cannot exceed 45 percent.
• The location of a homebuyer's potential home must be in an area deemed eligible according to the USDA's eligibility map.
• The home must be a primary residence.

Kentucky VA Home Loan

A Kentucky VA home loan is backed by the U.S. Department of Veteran Affairs and is set aside for active-duty military members, veterans and their family members. This loan allows homebuyers to pay a one-time-only funding fee of 2.3 percent of the loan value instead of purchasing mortgage insurance. For every use of a VA loan thereafter, the required funding fee without a down payment is 3.6 percent.
To qualify for a VA home loan, homebuyers must meet at least one of the following requirements:

• Served 90 days of consecutive service during wartime.
• Served 181 days of consecutive service during peacetime.
• Is the widow of a qualifying service member.
• Served in the National Guard or Reserves for more than six years.

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What is a Kentucky USDA Loan?

The U.S. Department of Agriculture offers a 100% financing mortgage. The program is also technically called a Section 502 mortgage, however, it’s more commonly known as ’Rural Housing Loan’ or a ’USDA loan.’

Despite the term “rural loan“ the USDA loan program is also available to low-to-moderate income homebuyers in less-populated suburbs of some major U.S. cities suburban areas.

Some key benefits of the USDA loan include:

• No down payment requirement
• No maximum home purchase price 
• Eligible home repairs and improvements may be included in your loan amount
• Upfront guarantee fee can be added to the loan balance at closing; mortgage insurance is collected monthly

 

USDA Home Loan Requirements

To be eligible for many USDA loans, household income must meet certain guidelines. Also, the home to be purchased must be in an eligible rural area as defined by USDA. According to the USDA website applicants interested in obtaining a direct loan must have an adjusted income that is at or below the applicable low-income limit for the area where they wish to buy a house as well as demonstrate a willingness and ability to repay debt. (Note: household income includes the income of all adult household members.)

Additional eligibility requirements can be found at the USDA Income and Property Eligibility website.

USDA mortgage rates are often lower than rates for comparable, low- or no-down-payment mortgages. For qualified applicants, financing a home via the USDA can be the lowest-cost path to homeownership.

 

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 What is a VA Loan?

A VA loan is a loan guaranteed by the United States Department of Veteran Affairs. Designed for active-duty military, Veterans, and their families, this loan requires zero money down. While standard mortgage insurance is not required, the Funding Fee is specific to VA loans and is paid upfront. For purchase loans, the one-time fee usually ranges from 1.4% to 2.6% of the loan amount, depending on the loan down payment.  

The VA is technically not a mortgage lender as private lenders originate the loan, and the VA guarantees a portion of it. No down payment is required if the sales price isn’t higher than the properties appraised value.

Although VA loans are credit flexible, applicants must have a stable income, and a steady job, however, a Veteran may be retired to qualify. All applicants must also meet some basic military service requirements.

 

VA Loan Requirements

Here are a few of the requirements listed by the U.S. Department of Veterans Affairs.  

• Served 90 consecutive days of active service during wartime (or less if you were discharged for a service-connected disability.
• Served 181 days of active service during peacetime
• Served more than six years with the National Guard or Reserves (or 90 days under Title 32 with at least 30 of those days being consecutive)

There are also VA loan programs for surviving spouses of a service member who died in the line of duty or from a service-related disability.

For the lender to make a VA-backed loan you must provide proof that you meet the eligibility requirements. A Certificate of Eligibility, or (COE,) serves as that proof. Your COE will have the entitlement amount on it so the lender knows exactly how much the VA will give them if you were to default. Detailed information on how to obtain a COE for a loan can be found on the VA website.

 

Kentucky FHA Loan Down Payment

Benefits of the Kentucky FHA Home Loan:

• • Low down payment requirement (as low as 3.5% for 580 score )
  • Flexibility on debt-to-income ratio up to 56.9%
  • Qualify with less-than-perfect credit with a 500 credit score with 10% down and 580 credit score with 3.5% down payment
  • Down payment funds can be gifted, grants, down payment assistance from approved funds
  • Purchase or refinance loan options available

--

Joel Lobb
Mortgage Loan Officer

Individual NMLS ID #57916

American Mortgage Solutions, Inc.

10602 Timberwood Circle 

Louisville, KY 40223

Company NMLS ID #1364

click here for directions to our office

Text/call:      502-905-3708

fax:            502-327-9119
email:          kentuckyloan@gmail.com

https://www.mylouisvillekentuckymortgage.com/

 

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Kentucky First Time Home buyer zero down payment

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The Best Kentucky Mortgage Loan Options When Looking for your first house in Kentucky

Kentucky First-time Home Buyer Programs👀💯👇‼

Conventional Mortgage Loan in Kentucky.

620 credit score or higher needed for this loan program. 4 years removed from bankruptcy minimum sometime longer. Private mortgage insurance required for over 80% loan to value on a refinance or down payments less than 20%. Tighter debt to income requirements with max backend-ratio usually not over 45% with less than 20% down payment. Easier on properties to qualify if they have deferred maintenance or need some fixing up to pass Government standards like FHA, VA, USDA loans. Down payment requirements are as little as 3% down payment. Better rates and lower mortgage insurance with a larger down payment and pmi is not for life of loan. 

This is for stronger borrowers with good credit (above 680 or 720) and at least 3-5% down payment with no foreclosures or bankruptcies in he last 4-7 years. Can go higher on the loan amount too versus FHA. Max loan in Kentucky for 2020 for conventional loans is $510,000.

FHA Loans in Kentucky

500 minimum credit score with 10% down payment, and credit scores above 580 can do 3.5% down payment. Don't have to be a first time home buyer and no foreclosures in the last 3 years or Chapter 7 bankruptcies in the last 2 years. Possible to get a FHA loan with a Chapter 13 active as long as it has been open for 12 months with a good pay history and permission from the trustee. 

This type of loan is insured by the Federal Housing Commission. Low to moderate-income borrowers can be approved to get this loan. First-time homeowners prefer this too because you can get an interest rate of as low as 3.5 percent for this loan.

VA Loans in Kentucky

This is something you could qualify for as a service member, veteran, or surviving spouse. A VA loan or mortgage is generous when it comes to providing competitive rates. Sometimes, a down payment and mortgage insurance isn’t even necessary for you to get approved for this. Just make sure that you have a good credit standing of at least 640.

USDA Loans in Kentucky

This is a zero-down payment mortgage that is usually approved for rural and suburban homebuyers. This type of loan is handled and issued by the US Department of Agriculture through the USDA Rural Development Guaranteed Housing Loan Program.  A credit score of at least 640 will also be needed for this.

Kentucky Housing Loan Program

2021 KHC first-time home buyer programs

Conventional Preferred Program for low income borrowers with a down payment of just 3%.

Conventional Preferred Plus 80 Program for a down payment of just 3%.

Home Buyer Tax Credit for reimbursement of a portion of the annual mortgage interest payments.

Regular Down Payment Assistance Program for a down payment loan of up to $6,000.

Affordable Down Payment Assistance Program for a down payment loan of up to $6,000 for low-income borrowers.

Knowing about national and Kentucky state loan programs to help buy a home is a good start; now it’s time to dig into the details. For specifics, visit the Kentucky Housing Corp. website. There you’ll find information about all the loan programs, including eligibility requirements, how to enroll in home buyer counseling and a list of approved lenders in your county.

Kentucky USDA Rural Housing Mortgage Lender: Kentucky USDA Mortgage Loan Qualifying Guidelines

Kentucky USDA Rural Housing Mortgage Lender: Kentucky USDA Mortgage Loan Qualifying Guidelines

Does Carrying a Credit Card Balance Help Your Credit Score?

3% down Home Ready Mortgage Program by Fannie Mae for Kentucky First Time Home Buyers

Is your borrower Home Ready to buy their first house in Kentucky?



Limited cash for down payment  for Kentucky Homebuyers(as low as 3% down pam)

Credit score 􀂖 620; borrowers with credit scores of 680+ may get even better pricing

Low to moderate income check here >>>>> https://homeready-eligibility.fanniemae.com/homeready/

First-time or repeat Kentucky home buyer

Non-household friends, relatives or loved ones prepared to be co-borrowers

Has gifts, grants or Community Seconds® to use toward down payment

Receives rental unit or boarder income

Wants to refinance to lower monthly payments

-- 

Joel Lobb
Mortgage Loan Officer
email:          kentuckyloan@gmail.com

Individual NMLS ID #57916

American Mortgage Solutions, Inc.

10602 Timberwood Circle 

Louisville, KY 40223

Company NMLS ID #1364

click here for directions to our office

Text/call:      502-905-3708

fax:            502-327-9119

https://www.mylouisvillekentuckymortgage.com/

If you are an individual with disabilities who needs accommodation, or you are having difficulty using our website to apply for a loan, please contact us at 502-905-3708.

Disclaimer: No statement on this site is a commitment to make a loan. Loans are subject to borrower qualifications, including income, property evaluation, sufficient equity in the home to meet Loan-to-Value requirements, and final credit approval. Approvals are subject to underwriting guidelines, interest rates, and program guidelines and are subject to change without notice based on applicant's eligibility and market conditions. Refinancing an existing loan may result in total finance charges being higher over the life of a loan. Reduction in payments may reflect a longer loan term. Terms of any loan may be subject to payment of points and fees by the applicant  Equal Opportunity Lender. NMLS#57916http://www.nmlsconsumeraccess.org/

Kentucky First Time Home Buyers Do's and Dont's In Getting A Mortgage Loan Approval

 Do's and Dont's In Getting A Mortgage Loan Approval Letter 

1- Do NOT buy a car or take a large loan with a new payment before you plan to buy a house if you can avoid it. 

At least get pre-approved to buy a house BEFORE you buy the car so that you are fully educated on what your max car payment should be to still be in position to buy a house and get approved. Yes, even if you don't think you are buying a house for another year it is still important to educate yourself that far in advance if you feel that you will be taking on new debt (car loan, credit card, etc) I continue to see younger home buyer prospects with $500 car payments and then want to buy a house for the first time but can't get approved because of debt to income ratio.

2- Know your credit and manage it.

 Don't wait until 2 months before you want to buy to get pre-approved if you have NEVER been pre-approved before. Too many times do I get the call that my lease ends in 2 months and I'd like to buy but have no clue about my credit, my budget and what i can afford, etc. Be prepared and be proactive. Call your loan adviser well in advance so you can understand where you stand, what programs you qualify for, OR what you need to do to get yourself in position to qualify.

3- Credit card management - 

This is a rehash from 2016 but I could/should post this every week because this is something that can really help/hurt people and you don't even know it. This applies to ANYONE reading this long winded message!!

*** Keep your credit card balances at 30% OR below of the total credit limit ***

- So for example, if you have a credit card that has a $1,000 limit, your goal is to NEVER let the balance exceed $350.00 if possible. This shows the credit bureaus that you are utilizing your credit, managing your credit, and not maxing out your debt because you can't manage your finances. This is a HUGE boost to credit scores.

- For you folks that are younger or don't have much credit history - If you are that person that pays your FULL balance each month, I'd encourage you to pay about 90-95% of the balance and let a tiny balance to roll over. That way you are carrying over credit and still managing it. Interest on $25 is nothing and the long standing effect of building your credit far outweighs paying a couple of bucks towards interest.

- Say you owe $750 on a $1,000 limit card....and you don't have the funds to pay it down to $350, then try calling your credit provider and asking them if they will increase your limit. Increasing the limit will give you more capacity on the card and get you closer to that 35% ratio and it will help you. So in this case, say you called the credit company and asked them to approve your limit up to $2,000. If they agree, your ratios are close to the 35% and you will start to reap immediate benefits from that.

********* Now with that being said, if you can't manage your budget, you are a compulsive buyer, and you don't trust yourself, do NOT do this. This is only for people that know they can resist, not use the card, and help increase their credit score. **********

Well that's more information than 1 post can handle but these are all VERY relevant issues/topics here!!! If you have questions about this or anything else, I HIGHLY encourage you to reach out and ask. If you want to buy a house and have it go smooth, fun, stress free, then do some homework upfront if you don't know. I promise that you won't be sorry.

Feel free to email me or call me if you have questions about these issues or any other issue (collections, bankruptcy, short sale, foreclosures, credit items in dispute, change in income from Base to commission, Self-employment time-frames on how long you need to be self employed to buy a house, etc)

The Home Inspection Process for Louisville Kentucky Mortgage Loans.

Home Inspectors

Services Directory 

Advanced Home Inspections, LLC
http://www.advancedhomeinspectionsllc.com/
(502) 200-1494

A Best Home Inspection Inc.

Lonnie Combs

502-261-1443

A1 Quality Home Inspections

Jeff Branham

502-262-4527

jeff@a1homeinsp.com

http://www.a1homeinsp.com

AAA Professional Home Inspectors

Jack McNear

License # HI-4072

502-776-4663

aaa.phi.ky@gmail.com

phi-louisville.com

AAA Professional Home Inspectors

Jack McNear

License # HI-4072

502-776-4663

aaa.phi.ky@gmail.com

phi-louisville.com

ABI Home Services

Ben Hendricks

License # HI-3039

502-938-5190

ben@abihomeservices.com

abihomeservices.com

Ace Home Inspections

502-599-1815

Bob Oliver

License # HI-2047

ra.oliver@live.com

229 Eastern Wood Ct.

Louisville, KY 40243

Acuity Home Inspections, LLC

502-386-8588

Bill Boone

License # HI-4036

acuityhomeinspections@gmail.com

Affordable Home Inspection Today (AHIT)

James Burkhead

License # HI-3080

P – 502-741-9706

P – 502-741-9706

ahit@insightbb.com

burkheadshomespecialist.net

All Check Home Inspections, LLC

502-427-7055

Steve Smith

License # HI-3400

genegriffin@insightbb.com

9260 Storage Way

Louisville, KY 40291

Bear Home Inspections, LLC

502-417-7132

Dominick D’Urso

domdurso@kybhi.com

http://www.bearhomeinspections.com

License # BHIHNOo194756

B-Goff Home Inspectors

502-507-2197

Bradley A. Goff

License # HI-3970

brad@idesigndrafting.com

http://www.bgoffhomeinspections.com

License # BHIHNOo194756

Bluegrass Home Inspections

502-552-2101

Michael Wirth

License # HI-2043

bluegrass@iglou.com

107 Fenley Ave., #0-1

Louisville, KY 40207

Bluegrass Services

502-428-6361

James Tolliver

bluegrass.services@yahoo.com

PO Box 304

Mt Washington, KY 40047

http://www.bluegrassreo.com

Brian Gattenby Home Inspection, LLC

502-991-2706

brian@briangattenbyhomeinspection.com

http://www.briangattenbyhomeinspection.com

License #HI-4022

Butler Home Inspection, LLC

Simmie Butler

502-445-6913

simmiebo@gmail.com

http://www.butlerhomeinspections.net

License #HI-3170

Carney Home Inspection

859-481-1437

Daniel Carney

carneyinspection@gmail.com

http://carneyinspection.com

Cattan Inspections & Engineering

502-299-6572

Joseph Cattan

jcattan@insightbb.com

404 Watch Hill Lane

Louisville, KY 40245

Certainty Home Inspections

866-417-9591

William Troutman

william@certaintyinspections.com

PO Box 144

Salem, IN 47167

Commonwealth Home Inspections

502-635-2266

Kenny Martin

kendm1@aol.com

6427 Appleleaf Ln.

Sellersburg, IN 47172

Curtis Home Inspections

502-428-9629

Chris Curtis

catchchriscurtis@gmail.com

204 Grand Ave.

Shepherdsville, KY 40165

Eagle’s Eye Inspection Services

502-639-9896

George Skeeters – Inspector License No. 3186

george@eagleeyeinspect.com

East End Home Inspections, LLC

502-458-9690

Jim Breslin

License #HI-2481

eastendhome123@gmail.com

4321 Dannywood Road

Louisville, KY 40220

Elite Home Inspections, LLC

502-648-9294

Allan Davis

License # HI-2233

eyeinspecthomes@aol.com

PO Box 277

Greenville, IN 47124

http://www.elitehomeinspections.net

Folk Inspections

502-509-6272

Alex Folk

alex@folkinspections.com

9462 Brownsboro Rd. #158

Louisville, KY 40241

Garr Home Inspection, LLC

502-468-6510

Mark Garr

License # HI-2029

mgarr60@bellsouth.net

14510 Hearthside Court

Louisville, KY 40245

Greenlight Home Inspections, LLC

Member/Owner – Tony Ponte

Phone No. – 502-517-1248

Fax No. – 502-333-9755

ponte.tony@gmail.com

http://www.greenlighthomeinspections.com

Greg Jones Home Inspections & Associates LLC

502-429-9379

Greg Jones

gregjoneshi@gmail.com

7321 New LaGrange Road, Ste 113

Louisville, KY 40222

http://www.gregjoneshomeinspections.com

Member(s) Sunny Jone, Billy Cooper

Haystack Inspection Services

License # HI-3180

Daniel Ayers

License # HI-4019

Daniel.Ayers6@gmail.com

2639 Kings Hwy

Louisville, KY 40205

502-528-9255

eric.hay@haystackinspections.com

Home Inspection, Inc.

502-897-5113

Ken Osborne

License # HI-2065

1025 Skyview Dr.

New Albany, IN 47150

Home Inspection of Kentuckiana

502-897-1450

Mary Anne Tonini

License # HI-2034

toninima@insightbb.com

PO Box 1564

New Albany, IN 47151

Home Inspections Services, LLC

502-423-7575

Jean Filer-Smith

License # HI-3642

jeans@hiswebsite.org

102 Daventry Lane #8

Louisville, KY 40223

Member(s) Douglas Smith

HomeMD Inspection Services LLC

502-290-3935

Robb Johnson and Sharon Johnson

License # HI-2225

rjohnson@homemd.com

http://www.homemd.com

Home Sweet Home Inspections, LLC

502-509-1878

Rich Fisher

License # HI-3963

rjohnson@homemd.com

1919 Rutherford Ave.

Louisville, KY 40205

http://www.homemd.com

Home Team Inspection Service

502-357-0813

Brian O’Rear

License # HI-3024

louisville@hometeam.com

3505 Hedgewick Place

Louisville, KY 40245

Mike Dryer

License # HI-3137

hometeam-louisville.com

HomeWerx

502-303-1782

Matthew Loeser

homewerxlouisville@gmail.com

5 Maple Court

Louisville, KY 40214

HomeWise Inspection Services

502-408-9007

Giles Lanham

gileslanham@insightbb.com

3000 Piedmont Drive

Louisville, KY 40205

House Master Home Inspection

502-423-7789

David Scott

License # HI-2164

david.scott@housemaster.com

8806 Swan Hill Road

Louisville, KY 40241

http://www.housemaster.com

Inspect & Detect, LLC

Eric Smith

License # HI-4025

12417 Aquarius Road

Louisville, KY 40243

http://www.inspectanddetect.com

502-653-9924

eric@inspectanddetect.com

InspectHomes4u, LLC

502-894-8644

Ms. Lorri Keeney

License #HI-2055

inspecthomes4u@aol.com

5208 Moccasin Trail

Louisville, KY 40207-1634

Inspections Plus

502-664-0237

Bill Beasey

bbeasy@housemaster.com

JM Home Inspections

Joe Mooney

2702 Trumpetvine Rd.

Louisville, KY 40220

http://jmhiky.com

502-533-9362

joe@jmhiky.com

KPC Inspections, LLC

502-653-3688

Danny Willoughby

License #HI-3014

kpcinspections@hotmal.com

http://www.kpcinspections.com

Kentuckiana Building Solutions

502-600-2210

Eric D. Gentry

ericd.gentry@gmail.com

Lee’s Home Inspections

502-376-0856

Lee Wiard

License #HI-2230

lwiard@bellsouth.net

501 Palisades Court

Louisville, KY 40223

M Squared Home Inspections

Mike Meurer

2040 Fox Tail Dr.

LaGrange, KY 40031

http://www.msquaredhi.com

502-909-7126

mike@msquaredhi.com

Mark Hunter Home Inspector

Mark Hunter

8313 Pine Grove Ct.

Louisville, KY 40214

502-744-1967

mark.hunter67@twc.com

Mark Oerther Associates, Inc.

502-459-1446

Mark Oerther

License # HI-2045

moerther@att.net

markoetherinspector@gmail.com

http://www.markoertherassociates.com

2021 Tyler Lane

Louisville, KY 40205

National Property Inspections

John Gazerro

1118 Beechwood Circle

Mt. Washington, KY 40047

502-599-1901

john.gazerro@npiinspect.com

Northstar Property Inspections

Stephen Williams

11304 Vista Greens Dr.

Louisville, KY 40241

https://www.northstarinspections.com

502-377-4126

steve.williams@northstarinspection.com

On Your Side Home Inspections

Dale Miller

2041 Bashford Manor Lane

LaGrange, KY 40018

http://www.onyoursidehomeinspections.com

502-439-1148

onyoursidehomeinspections@gmail.com

Pillar to Post

502-228-9880

John O’Nan

License #HI-2076

jonan@ptphome.com

P.O. Box 97

Goshen, KY 40026

Prochek Home Inspections, LLC

502-802-6336

Darryl Willoughby

License #HI-2038

darryl@procheklou.com

8404 McKenna Way

Louisville, KY 40291

Proven Home Inspection Service

502-689-0221

Neil DeGaris

HI-4027

provenhomeinspection@gmail.com

http://www.provenhomeinspectionservice.com

Ray Williams Inspect & Repair

502-459-9968

rfwill01@louisville.edu

Ray Williams

License # HI-2498

2725 Sheila Drive

Louisville, KY 40220

http://www.rwHomeInspection.com

Rayhill Home Inspectors

Joe Rayhill

214 Buffalo Trail

Shepherdsville, KY 40165

http://rayhillhomeinspections.com

502-299-4106

joe@rayhillhomeinspectors.com

River City Home Inspections

502-338-4404

rhino502@twc.com

Ryan Olson

http://www.rivercityhomeinspections.net

Safe At Home Inspections, LLC

Jay Jackson

4005 Brookfield Ave.

Louisville, KY 40207

502-290-2837

jay@safeathomeinspectionsllc.com

Service USA Home Inspections / Radon Lady

502-895-6430

Ray Sandbek

License # HI-2022

serviceusa@rsandbek.win.net

318 Lanai Court

Louisville, KY 40245

Member(s), Sheila Heller: radonlady@yahoo.com

The Home Inspectors LLC

Scott Barbour

912 Brentwood Ct.

New Albany, IN 47150

502-773-3480

thehomeinspectors@hotmail.com

WIN Home Inspections

502-327-6231

Mike English

License # HI-2160

10213 Linn Station Road

Louisville, KY 40223

WIN Home Inspections

502-426-4635

Bob English

License # HI-2161

benglish@wini.com

10213 Linn Station Rd. #2

Louisville, KY 40223

Wright Choice Home Inspection

Nick Wright

1728 E. Spring St.

New Albany, IN 47150

http://yourwrightchoice.com

502.822.6484

nick@yourwrightchoice.com

Wrubel Home Inspections, LLC

812-945-7478

Joseph Wrubel

License # HI-2291

wrubelhomeinspections@yahoo.com

P.O. Box 1291

3626 St. Joseph Road

New Albany, IN 47150