Do you only offer VA loans?

No. I'm a Mortgage Loan Originator with Edge Home Finance, LLC, a mortgage broker, so I can shop a file across many lenders. VA is the majority of what I do, and I also handle FHA, Conventional, USDA and Non-QM.

Do you only service the Dayton and Cincinnati markets?

Dayton and Cincinnati are the majority of my business. I am personally licensed to originate mortgage loans in 34 states, and through the Edge Home Finance, LLC corporate referral program I can help veterans in every state except New York. Edge Home Finance, LLC is licensed in 49 states and the District of Columbia and does not arrange, solicit, or originate mortgage loans for real property located in the State of New York.

Cannabis Mortgages In Kentucky

Take the 30 second mortgage quiz to see if you qualify

Are you looking to get a cannabis mortgage loan in Kentucky?

I can help.

The marijuana industry is one of the trickiest areas of home financing.

Medical marijuana is legal in Kentucky, but recreational marijuana is not. Federally, marijuana dispensed under a state issued medical license moved from Schedule I to Schedule III on April 28, 2026, so it is no longer banned outright, though it remains a controlled substance and businesses need DEA registration.

Sadly, because of this, most banks will turn down anyone working in the marijuana industry.

The great news is it is possible for cannabis industry workers to get approved for a home loan.

Because I am a licensed Mortgage Loan Originator working through Edge Home Finance, LLC, a mortgage broker in Kentucky with access to 150 lenders, I am able to find mortgage companies that are ok with doing weed related mortgage financing.

State law last reviewed August 27, 2026.

Separate from the income question, and easy to miss: Kentucky’s disabled veteran property tax exemption is the state homestead exemption, worth $49,100 of assessed value for the 2025 and 2026 tax periods, which a totally disabled veteran qualifies for at any age. You file it with your county assessor and it has nothing to do with how you earn your money.

Take the 30 second mortgage quiz to see if you qualify

Frequently Asked Questions About Marijuana Home Loans In Kentucky

Is CBD Considered The Same Thing As Cannabis?

Unfortunately, many banks are overly conservative and turning down CBD-related income. However, the great news is CBD income is allowed on all programs, including VA, FHA, Conventional, USDA, and Non QM. You will need to find a flexible mortgage broker that can connect you with a lender that can approve CBD related income.

What Options Do Marijuana Dispensary Workers In Kentucky Have For Mortgage Financing?

As a W2 employee of a marijuana dispensary in Kentucky, you can get approved for a Conventional or Non–QM mortgage loan. Unfortunately, VA and FHA mortgages are not available for dispensary workers.

Can Marijuana Dispensary Owners And Growers In Kentucky Get Approved For Mortgage Financing?

Unfortunately, if you are a marijuana dispensary owner or grower in Kentucky, your options are much more limited. You cannot get any sort of traditional mortgage financing like Conventional, FHA, or VA. You can, however, get approved for a Non-QM mortgage loan. These loans include Bank Statement Mortgage loans, P and L Mortgage loans, and No Doc Mortgage loans.

Are You Able To Provide Cannabis Mortgage Financing In The Entire State Of Kentucky?

Yes, I am approved to provide cannabis related mortgage financing in the entire state of Kentucky including: Bowling Green, Covington, Lexington, Louisville, Owensboro.

Can You Do Marijuana Industry Mortgage Financing In Any Other States?

Yes, I can provide marijuana industry mortgage financing in all states where I am licensed and marijuana income is allowed. I’m currently licensed in Alabama, Arizona, Arkansas, California, Colorado, Florida, Georgia, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, New Mexico, North Carolina, Ohio, Oklahoma, Oregon, Pennsylvania, South Carolina, Tennessee, Texas, Utah, Virginia, Washington, West Virginia, and Wisconsin. Additionally, through our corporate partner program, I am able to leverage our home office and offer mortgage financing in over 30 additional states.

Take the 30 second mortgage quiz to see if you qualify