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     We're The USDA No Down Payment Loan Experts In Northern Kentucky!        

If you're looking for a Great Home Loan, our USDA No Down Payment Loan Is The Answer. This Loan offers a Low Fixed Rate, Affordable Payments and you can close with as little as $ZERO Dollars Out Of Your Pocket.   


I run the Mortgage Department at Kentucky Federal and have been doing USDA Loans for over 25 years. We are the USDA Experts in Northern Kentucky.    

For a FREE Pre-Approval call Ed Collins at 859-525-6655 or send an email to

  • Great Rates, Fast Closings And Far Fewer Hassles Than You'll Get With Other Lenders.

  • 640 Minimum Credit Score Required.

USDA Eligible Areas In Northern Kentucky

USDA No Down Payment Loan

  • Burlington

  • Hebron

  • Independence

  • Walton

  • Highland Heights

  • Cold Springs

  • Alexandria

  • And all of Grant, Owen & Pendleton Counties

USDA Income Limits:

Boone, Kenton & Campbell Counties

  • $85,900 (Family Size of 1-4)

  • $113,400 (Family Size of 5 or more)

Grant, Owen & Pendleton Counties

  • $78,200 (Family Size of 1-4)

  • $103,200 (Family Size of 5 or more)

Kentucky Federal Savings & Loan Building in Florence, KY
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