06/16/2026
🏡✨ FIRST-TIME BUYERS... LET'S TALK FOR A MINUTE 👀
I think one of the biggest misconceptions I hear is:
💬 "I need 20% down."
💬 "I don't make enough money."
💬 "My credit isn't perfect."
💬 "I'll wait a few more years."
But honestly? A LOT of people are surprised to learn they could already qualify for a home right now.
👇 Here are some of the most common options I help buyers with:
🌾 USDA LOANS
✔️ $0 Down Payment
✔️ Available in many areas around Somerset, Ferguson, London, Manchester & surrounding counties
✔️ Often one of the lowest out-of-pocket options available
✔️ Typically requires around a 620+ credit score
🏠 KHC (Kentucky Housing Corporation)
✔️ Down payment assistance available
✔️ Some buyers receive up to $10,000 in assistance
✔️ Can sometimes help cover closing costs too
✔️ Many buyers come out of pocket with very little, or sometimes nothing at all
✔️ Usually requires around a 620+ credit score
🔑 FHA LOANS
✔️ Only 3.5% down
✔️ Credit scores starting around 580 may qualify
✔️ Flexible guidelines for first-time buyers
🇺🇸 VA LOANS
✔️ $0 Down
✔️ No PMI
✔️ Available for eligible veterans and active-duty service members
🏡 Conventional Loans
✔️ Multiple down payment options
✔️ Great for buyers with stronger credit profiles
✨ And here's the part I wish everyone knew...
You do NOT have to know all of this before reaching out.
You don't need to know your credit score.
You don't need to know what loan you need.
You don't even need to know what house you
want.
That's literally what I'm here for. 🤍
I'll help you:
📋 Figure out which loan programs fit you best
💰 Estimate your monthly payment
📑 Tell you what documents you'll need
🏡 Connect you with a trusted lender
🔑 Help you find the perfect home
🎉 Walk you through every step until closing day
And if you aren't ready yet? That's okay too! We can make a game plan for six months from now, next year, or whenever the timing is right.
✨ Buying your first home should feel exciting, not overwhelming.
If you've been wondering if it's possible for you...
📲 Message me "FIRST HOME" and let's find out together.
No pressure. No obligation. Just real answers and a plan that works for YOU. 🏡🤍
📞 606-305-9274
Payshence Henson, Realtor®
🏡 Lake Cumberland Real Estate Professionals | The Dream Team
