For Realtors · Kentucky
Win more Kentucky offers with a Verified Readiness Passport
Turn every Kentucky buyer into a verified, shareable proof-of-readiness. Listing agents verify in 3 seconds — no PDF pre-approval, no "let me check with the lender."
Verified passports
A tamper-proof URL every Kentucky listing agent can verify in seconds. Beats a static PDF pre-approval every time.
KHC DPA matched
Your buyers get matched to Kentucky Housing Corporation DPA programs automatically. Show up to a listing meeting knowing the buyer's real budget.
LO handoff protected
Buyers who need an LO get routed to your preferred partner (or ours). Your referral relationship is preserved end-to-end.
What ReadinessIQ knows about Kentucky's market
Kentucky Housing Corporation
Programs matched into every buyer's dashboard:
Regular DAP
$10,000 second mortgage at 5.5% amortized over 10 years.
Affordable DAP
$6,000 at 1% interest for buyers under 80% AMI — much cheaper DPA.
Conventional Preferred
Reduced-MI Conv first mortgage required to layer DAP.
KHC caps income around $114,000 statewide.
Market context
Highest single-unit FHA cap in Kentucky: $524,225
Jefferson (Louisville)
FHA at $524,225.
Fayette (Lexington)
FHA at $524,225; strong DPA volume.
Kenton / Boone (Northern KY)
In Cincinnati MSA; some buyers cross-shop OH DPA.
Metros with highest buyer density:
Louisville · Lexington · Bowling Green · Owensboro
Realtor FAQ · Kentucky
- How does a Readiness Passport help my Kentucky buyer win multiple-offer situations?
- A Readiness Passport is a public, tamper-proof URL a listing agent can verify in 3 seconds. It shows your buyer is verified ready to close up to a specific dollar amount, backed by an underwriter's-level check on credit, income, and funds. In Kentucky's tight markets it functions as a stronger version of a pre-approval letter — no PDF, no editing, no doubt.
- Do I need my buyer to already have a loan officer to use ReadinessIQ?
- No. Buyers can complete the scorecard on their own. If they don't have an LO, RED hands them off to a Kentucky-licensed partner LO — your commission and referral relationship are protected in the workflow.
- What Kentucky down payment assistance is my buyer eligible for?
- ReadinessIQ checks every buyer against Kentucky Housing Corporation programs including Regular DAP, Affordable DAP, Conventional Preferred. Instead of you tracking AMI caps, you get a match list on the buyer's dashboard the minute they finish the scorecard.
- Where in Kentucky does ReadinessIQ have the most active buyers?
- Highest buyer density right now: Louisville, Lexington, Bowling Green, Owensboro. If you list or show in any of those metros, you'll see the most match volume there — but the platform covers every Kentucky zip.
- How much does ReadinessIQ cost realtors in Kentucky?
- Realtor plans start free — up to 5 active buyers with a co-branded Readiness Passport. Producer plan is $49/mo for unlimited buyers, custom domain passport links, and CRM handoff. Team & brokerage plans priced per seat.