Louisville Ky Mortgage Lender FHA/VA KHC USDA Kentucky Mortgage: Kentucky Mortgage Rates

I specialize in Kentucky FHA, VA, USDA, KHC, Jumbo and Fannie Mae mortgage loans in Ky. I have helped over 589 Kentucky families buy their first home and refinance their current mortgage for a lower rate; For the first time buyer with little money, Kentucky Housing/KHC offers(zero-down)loans with downpayment assistance. Free credit/pre-approvals in 1 hour Call me today at 502-905-3708 or email kentuckyloan@gmail.com I compare Kentucky Mortgage Rates daily for your best interest(NMLS# 57916)

Customer Testimonials

"We were searching online for mortgage companies in Louisville Ky locally to deal with and found Joel's website, and it was a godsend. He was great to work with, and delivered on everything he said he would do. I ended up referring my co-worker at UPS, and she was very pleased with his service and rates too. Would definitely vouch for him."

Monica Leinhardt

"We contacted Joel back in July 2011 to refinance our Mortgage and he was great to work with. We contacted several lenders locally and online, and most where taking almost 60 days to close a refinance, Joel got it done in 23 days start to finish,I would definetly recommmend him. He got us 3.75% with just $900 in closing costs on our FHA Streamline loan.

Kayle Griffin

“Joel is one of the best Mortgage Brokers I have ever worked with in my sixteen years in the real estate and mortgage business.” May 25, 2010

Tim Beck

“Joel has always worked very hard to keep his word and to work out seasonable solutions to difficult problems. He is truly an expert in FHA and other type loans.” September 1, 2010

Nancy Nalley

“I have wokred with Joel since 1998. He is a great loan professional.” August 23, 2010

Jon ClarK

“Joel Lobb is a real professional in the lending industry, with many years of experience, he is the one to go to for any mortgage lending needs.” August 22, 2010

RICHARD VOLZ , Residential Sales , Remax Foursquare Realty

“When looking to purchase our new home in 2006, I had the pleasure of meeting Joel Lobb. Not only was he personable and easy to reach, he was extremely knowledgable in his field and made sure to find us the best rate and a top notch mortgage company. We were able to complete the process in less than 3 weeks with his expertise. I find Joel to have the utmost high integrity and I recommend him to anyone who say's they are need of mortgage assistance. He is also fantastic and keeping everyone up to date on the latest in the housing industry through his twitter posts. He provided great results for our family and we still communicate to this day!” August 21, 2010

Stacie Drake

"We first use Joel on our new home purchase in 2007 in St Matthews and he was great to work with. We have since refinanced our home with him in 2010 when rates got really low and he has always delivered on what he says. I could not imagine using anyone else."

Melody Glasscock

About ME

I have helped over 589 families buy or refinance their home over the last 13 years. You can trust me for your next mortgage loan. I deliver on what I say and I will give you honest, up-front personal attention you deserve for your home loan. I have several advantages over the big- mega banks in town. First, I can shop your loan thru different mortgage companies across the country to get you the best deal out there, whereas most banks will offer offer you there one and only deal. I have access to over 15 different mortgage companies to broker your loan thru. My rates and fees are just as good or better than local banks and you will not get lost in the shuffle like most borrowers do at the mega banks; your just not a number at our company, you are a person and we will treat you like one throughout the entire process. Free pre-approvals within 2 hours and get your loan closed within 15 days. Give us a try or let us compare what you have now. Call me locally at 502-905-3708; this is my personal cell phone and I carry it on me at all times. Free credit reports and approvals. Stop by and see my at 107 South Husrtbourne Parkway Louisville Ky 40222- or email me atkentuckyloan@gmail.com

I specialize in Kentucky FHA/VA ,USDA, KHC, Conventional and Jumbo mortgage loans (Fannie Mae) in Ky. I am based out of Louisville Kentucky. I have helped over 589 Kentucky families buy their first home and refinance their current mortgage for a lower rate; For the first time buyer with little money, Kentucky Housing/KHC offers(zero-down)loans with downpayment assistance. Free credit report and Free pre-approvals within 1 hour..Call me today at 502-905-3708 or email me at kentuckyloan@gmail.com NMLS#57916

This website is not an government agency, and does
not officially represent the HUD, VA, USDA or FHA or any other government agency.

Website Fine Print

The content provided on this website is presented or compiled by Joel Lobb and is provided for informational purposes only. It does not necessarily represent the views or opinions of Key Financial Mortgage .

Neither Joel Lobb nor Key Financial Mortgage assumes any legal liability or responsibility for the accuracy, completeness, or usefulness of any information disclosed, or represents that its use would not infringe privately owned rights.

The mortgage or financial services or strategies mentioned in this website may not be not suitable for you.

Key Financial Mortgage is an Equal Opportunity Lender. All rights Reserved.

Joel Lobb is a Licensed Mortgage Originator: NMLS #57916. Key Financial Mortgage NMLS # 1800 is a licensed Mortgage Broker Company in the State of Kentucky

Legal Disclaimer

This web site is not the FHA, VA, USDA, HUD or any other government organization responsible for managing, insuring, regulating or issuing residential mortgage loans.

**Download Fair Housing Booklet – CLICK HERE

All approvals and rates are not guaranteed, and are only issued based on standard mortgage qualifying guidelines.

				Lock days	Qualifying Ratios
Program	Rate	Points	APR
Conforming 30 year FRM	3.750	0.000	3.971	30	35 / 45
	Kentucky Mortgage Loans Only- Rates Change
Conforming 20 year FRM	3.625	0.000	3.871	30	40 / 41
	Kentucky Mortgage Loans Only- Rates Change
Conforming 15 year FRM	3.000	0.000	3.391	30	35 / 41
	Kentucky Mortgage Loans Only- Rates Change
FHA/VA 30 year FRM	3.500	0.000	4.814	30	35 / 50
	Kentucky Mortgage Loans Only- Rates Change
FHA 15 year FRM	3.250	0.000	3.789	30	35 / 50
	Kentucky Mortgage Loans Only- Rates Change
Jumbo 30 year FRM	4.750	0.000	5.231	30	28 / 36
	Kentucky Mortgage Loans Only- Rates Change
USDA/RHS	3.500	0.000	4.874	30	41 / 41
	Kentucky Mortgage Loans Only- Rates Change

							Lock days	Qualifying Ratios
Program	Rate	Points	APR	Index	Margin	Caps
Conforming 30/5/1 ARM	3.250	2.000	5.814	LIBOR	1.930	2/1/5	30	28 / 41
	Kentucky Mortgage Loans Only- Rates Change
Jumbo 30/5/1 ARM	4.250	2.000	5.789	T-Bill	1.960	5/1/10	30	28 / 41
	Kentucky Mortgage Loans Only- Rates Change
Jumbo 30/7/1 ARM	4.870	0.000	5.924	CMT	1.930	5/1/10	30	28 / 36
	Kentucky Mortgage Loans Only- Rates Change
Jumbo 30/10/1 ARM	4.750	2.000	5.811	CMT	1.930	5/1/10	30	28 / 36
	Kentucky Mortgage Loans Only- Rates Change

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Monday, June 17, 2013

Kentucky Mortgage Rates

FHA

Jumbo