Buy a Home in Kentucky, Florida & Indiana

HJ Mortgage Group helps first-time and repeat buyers purchase homes across Kentucky, Florida and Indiana, from our office in Louisville to Elizabethtown, Radcliff and Fort Knox. As a Veteran-Owned mortgage broker, we compare loan options from multiple lenders to find the right payment for you.

How Buying a Home With Us Works

1. Get pre-approved. Share basic income and credit information. We review your options and give you a pre-approval letter to shop with.
2. Choose your loan. We compare VA, FHA and conventional options and show you the payment and cash to close for each.
3. Make an offer. Your agent writes the offer. We lock your rate when you are ready and order the appraisal.
4. Close and get your keys. We keep you updated from underwriting to closing day. Many purchases close in about 30 to 45 days.

Start My Pre-Approval

Loan Options for Homebuyers in KY, FL & IN

• VA loans: $0 down and no monthly PMI for eligible veterans and service members. See VA home loans near Fort Knox.
• FHA loans: as little as 3.5% down, with flexible credit guidelines.
• Conventional loans: as little as 3% down for qualified first-time buyers. PMI can be removed later.

Not Sure Which Loan Fits? Answer a Few Quick Questions

What Homes Cost in the Louisville Area

The median home sold for about $285,000 in Jefferson County and $304,000 in Hardin County in September 2026 (local MLS data).

See What You Can Afford

Homebuying FAQ

How much do I need for a down payment?

It depends on the loan: $0 for VA, 3.5% for FHA, and as little as 3% for some conventional loans.

What credit score do I need to buy a home?

Many FHA lenders accept scores around 580, and conventional loans usually need about 620. We will review your situation without obligation.

How long does it take to buy a home?

Pre-approval can take a day or two. Once you are under contract, many loans close in about 30 to 45 days.

Should I get pre-approved before house hunting?

Yes. It shows sellers you can buy, and it keeps you shopping in the right price range.

What closing costs should I expect?

Closing costs usually run about 2% to 5% of the loan amount, and the seller can sometimes pay part of them.

Veteran-Owned · Company NMLS #1971873 · Equal Housing Opportunity

Information updated October 2026. Loans are subject to credit approval, eligibility and property requirements; terms may change. Not a commitment to lend.