Louisville Kentucky Mortgage Lender for FHA, VA, KHC, USDA and Rural Housing Kentucky Mortgage

I specialize in Kentucky FHA, VA, USDA & Rural Housing, KHC and Fannie Mae mortgage loans. I have helped over 589 Kentucky families buy their first home and refinance their current mortgage for a lower rate; First time buyer $0 down still available with down payment assistance with KHC. Free Mortgage applications same day approvals. This web site is not endorsed by the FHA, VA, USDA, HUD or any other govt agency.Text/call 502-905-3708 kentuckyloan@gmail.com NMLS#57916 Equal Housing Lender

Pages

  • 4 Things Required for a KY Mortgage Loan Approval
  • Credit Scores Kentucky Mortgage Loan
  • Kentucky First-time Home Buyer Programs
  • Down Payment Assistance Kentucky 2019
  • Kentucky FHA Mortgage Information
  • Kentucky VA Mortgage Loan Information
  • USDA Rural Housing Kentucky Loan Information
  • Zero Down Kentucky Mortgages
  • First-time Home-buyers in Kentucky
  • Documents Needed Mortgage Approval in Kentucky
  • Do's & Dont's before closing:
  • Free Credit Score Booklet
  • Closing Costs Kentucky Mortgage
  • Lock Kentucky Mortgage Loan Rate
  • Home Inspections Kentucky

Friday, January 18, 2019

Louisville Kentucky Mortgage Lender for FHA, VA, KHC, USDA and Rural Housing Kentucky Mortgage: What are the requirements to buy a house in Kentuc...

Louisville Kentucky Mortgage Lender for FHA, VA, KHC, USDA and Rural Housing Kentucky Mortgage: What are the requirements to buy a house in Kentuc...: Credit Score and Income Requirements to Buy a Home in Kentucky in 2019 KENTUCKY CONVENTIONAL FIXED RATE MORTGAGES Get you...

Fill out my form!
Posted by joel lobb at 5:38 PM
Email ThisBlogThis!Share to TwitterShare to FacebookShare to Pinterest

Newer Post Older Post Home

Search This Blog

About Me

My photo
joel lobb

I have helped over 589  Kentucky families buy or refinance their home over the last 18 years. Realizing that this is one of the biggest, most important  financial transactions a family makes during their lifetime, I always feel honored and respected when I am chosen to originate their personal home loan. You can count on me to deliver on what I say, and I will always give you honest, up-front personal attention you deserve during the loan process.

I have several advantages over the large banks in town. First, I can search and negotiate for your loan options through several different mortgage companies across the country to get you the best deal locally,  as opposed to banks that will offer  you their one set of loan products. I work for you not the bank.  I have access to over 10 different mortgage companies to broker your loan through to get you the best pricing and loan products that may not fit into the bank's program due to credit, income, or other underwriting issues. 

You will not get lost in the shuffle like most borrowers do at the mega banks; you're just not a number at our company, you are a person and we will treat you like one throughout the entire process.

Give us a try or let us compare your options on your next mortgage transaction. Call me or text me locally at 502-905-3708. Free Mortgage Pre-Qualifications same day on most applications.

Email me at kentuckyloan@gmail.com with your questions

I specialize in Kentucky FHA, VA ,USDA, KHC, Conventional and Jumbo mortgage loans. I am based out of Louisville Kentucky.  For the first time buyer with little money down, we offer Kentucky Housing or KHC loans with down payment assistance.

Click on 14 different Red Links Below for more info about specific mortgage loan questions:

  • 4 Things Required for a KY Mortgage Loan Approval...
  • Credit Scores Kentucky Mortgage Loan
  • Kentucky First-time Home Buyer Programs
  • Down Payment Assistance Kentucky 2019
  • Kentucky FHA Mortgage Information
  • USDA Rural Housing Kentucky Loan Information
  • Kentucky VA Mortgage Loan Information
  • Zero Down Kentucky Mortgages
  • First-time Home-buyers in Kentucky
  • Documents Needed Mortgage Approval in Kentucky
  • Closing Costs Kentucky Mortgage
  • Do's & Dont's before closing:
  • Free Credit Score Booklet
  • Lock Kentucky Mortgage Loan Rate

  • Glossary /Mortgage Terms

https://www.mylouisvillekentuckymortgage.com/

Customer Testimonials

😍😍😍

We just moved here the first of January in 2017 from Ohio to the Louisville, KY area and we found Joel's website online. He was quick to respond to us and got back the same day on our loan approval. He was very knowledgeable about the local market and kept us up-to date throughout the loan process and was a pleasure to meet at closing. Would recommend his services.


Angela Forsythe

"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." September 2016

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 definitely recommend 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 worked with Joel since 1998. He is a great loan professional.” I refer most of my Louisville, Kentucky area home buyers to him and he always take special care of them. August 23, 2012

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, 2011

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, Kentucky area 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 March 2014

Absolutely Amazing!! I emailed Joel after I had just got a denial from a bank and just thought i would try to get some advice on what my next steps would be to get a house. I honestly didn't expect to even get a reply because my credit is not great. That was about a week and a half ago. I just signed a contract on a house last night. ONLY because of Joel Lobb. He even worked with us throughout the weekend, which shocked me. Best decision I have ever made. THANK YOU SO MUCH FOR WORKING WITH US THROUGHOUT THE ENTIRE PROCESS.

Cee Bellisle August 2018
😃

Contacted him about buying a home and he was great to work with. I was moving to Louisville Ky to take a new job and he walked me through the entire process. He explained to me all the different options for FHA, VA, USDA mortgage loans and credit score requirements versus Fannie Mae. Since I was a first time home buyer I needed alot of help and guidance. I would definitely recommend him. Fast to respond and available to answer questions that I or my realtor had after hours.

Anderson Johnson April, 2018

We moved from Michigan to Northern Kentucky area and we were really impressed. We got a USDA loan no money down and closed in less than 3.5 weeks. We shopped around online with other lenders but Joel was always first to respond and his rates were just a little better than other lenders. He kept us informed through the process along with our realtor and there was absolutely no surprises like we heard from other co-workers and friends that they experienced in their loan process. We have already referred another co-worker to Joel . He's AWESOME!

Patty Kingston July 2018

😍

betty parsons

Wow,  what a great loan officer. I was referred to him by our agent and he was great to work with. We used him for a USDA no money down loan in  Shelby County and we were really impressed. We  were afraid we could not buy a home since we did not have money saved for a down payment, but Joe l was able to get us a zero down loan and we even got our appraisal fee and good faith deposit back at closing. We actually got money back at closing!!! I Can't think him enough. Our family moved from our apartment in the south end  of town to get our own home with 5 acres  for our kids and 2 dogs, at a payment that is equal to our rent payment also. .Thanks Again Joel. May god bless you

Patty Locker

We contacted Joel about buying a house on our move from Ohio for my husband's job transfer with Ford. We put a lot of trust in him since we were new to the area and first time home buyers in the Louisville KY market, and he always delivered on what he said. It took us a while to find a home due to the lack of homes,  but once we got one, he was always quick to respond our questions via text or email ,and kept us informed through the process. We got to meet him at the closing and he was super nice and even got us a closing gift for our home which we didn't expect at all. Super nice guy 😀!!! I would definitely recommend him for a local Home loan in the Louisville area.
Like

pam dolby

I got a VA loan with Joel and he was great. He is an ex-army guy so he could relate to my past experiences of being a veteran and moving around the country a lot. I had some credit issues that required a little extra work but Joel was able to find A VA lender to approve my situation as far as having past bad credit problems and a lower credit score. We closed yesterday on our home here in Louisville and we could not be happier. We finally have a home of our own thanks to Joel . I would definitely recommend him for a mortgage loan. Great experience and closed 8 days before expected close date so we were able to move in early.


I contacted Joel about the $10,000 KY Housing Grant last month and we were able to get it and I just closed on my home. He was great to work with and if you are a first time home buyer here in Louisville, I would definitely contact him. I met him at his office and he was very nice and knowledgeable and kept me informed through the process. No surprises either so I was very happy. I am new homeowner thanks to Joel .


Joel Lobb Senior  Loan Officer

American Mortgage Solutions, Inc.

10602 Timberwood Circle Suite 3
Louisville, KY 40223

 phone: (502) 905-3708
 Fax:     (502) 327-9119
kentuckyloan@gmail.com

Company ID #1364 | MB73346E

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


http://www.nmlsconsumeraccess.org/

Disclaimer: No statement on this site is a commitment to make a loan. Loans are subject to borrower qualifications, including income, property evaluation, sufficient equity in the home to meet Loan-to-Value requirements, and final credit approval. Approvals are subject to underwriting guidelines, interest rates, and program guidelines and are subject to change without notice based on applicant's eligibility and market conditions.  NMLS#57916 http://www.nmlsconsumeraccess.org/

. The content in this marketing advertisement has not been approved, reviewed, sponsored or endorsed by any department or government agency. Rates are subject to change and are subject to borrower(s) qualification.



View my complete profile

Labels

  • $100 Down FHA (5)
  • $10000 Grant (2)
  • 100% FINANCING (11)
  • 10000 down payment grant (1)
  • 2 va loans (1)
  • 2-1 rate buydown (1)
  • 2019 DOWN PAYMENT ASSISTANCE KENTUCKY (2)
  • 2019 Kentucky First Time Home Buyer Programs (4)
  • 2019 VA Kentucky Loan Limits (3)
  • 2019 VA Mortgage Guide in Kentucky (4)
  • 2nd tier entitlement VA laon (1)
  • 401(K) program to come up with the down payment (2)
  • 401k loans (1)
  • 502 USDA (13)
  • 580 credit fha ky (6)
  • 600 credit score (2)
  • 6000 available thru KHC for downpayment assistance (3)
  • Adjustable Rate Mortgages (2)
  • alimony (1)
  • application checklist (1)
  • appraisal (3)
  • apr. annual percent rate (3)
  • assets (1)
  • bad credit (10)
  • Bankruptcy (14)
  • bankruptcy fannie mae conventional (2)
  • bankruptcy usda mortgage (4)
  • bankruptcy va mortgage (3)
  • Buyer Grants Kentucky (2)
  • Calculator for Kentucky Mortgage Payments (2)
  • Calculators (2)
  • cashout. VA (1)
  • cavirs (1)
  • Certificate of Eligiblity (1)
  • chapter 13 (2)
  • chapter 7 (2)
  • child support (1)
  • classes (2)
  • clergy income (1)
  • closing costs (7)
  • collections (8)
  • Compensating factors to overturn a mortgage denial (1)
  • condo loans (1)
  • Condos FHA Approved Louisville (4)
  • Conventional loan (11)
  • Credit Inquires impact on Credit Score (9)
  • credit report (21)
  • Credit Score (27)
  • Credit Scores (12)
  • DD214 (1)
  • Debt to Income Ratio (18)
  • deferred student loans (9)
  • denied mortgage (1)
  • deposits (1)
  • Disputed Accounts (4)
  • Do's and Don’ts After You Apply For A Mortgage (1)
  • Documents needed for Kentucky Mortgage Loan Approval (3)
  • Down Payment (6)
  • down payment assistance and first time home buyer grants (14)
  • Down Payment Assistance Program - Housing - Louisville Ky (16)
  • down payments (6)
  • escrows (2)
  • Fannie Mae My Community (1)
  • Fannie Mae (22)
  • Fannie Mae HomePath (8)
  • Fannie Mae HomePath® Kentucky (6)
  • Fannie Mae New Lending Guidelines for Kentucky (3)
  • FHA (67)
  • FHA minimum credit score (15)
  • FHA $100 Down (2)
  • FHA 203k Kentucky FHA Loan Guidelines (5)
  • FHA CONDOS KENTUCKY (4)
  • FHA Guidelines (23)
  • FHA Kentucky Home Loans (12)
  • FHA Loans - Credit Qualifying for FHA Loans (3)
  • FHA Loans - Documents Needed for FHA Loan (2)
  • FHA Loans - Income Qualifications (8)
  • FHA Loans Kentucky Housing First time home buyer (9)
  • FHA monthly mortgage insuranc (3)
  • FHA Mortgages and Bankruptcy (9)
  • fha student loans (6)
  • Fico Score (10)
  • First Time Buyer (14)
  • First Time Home Buyer in Kentucky Zero Down (11)
  • First Time Home Buyers Louisville (6)
  • foreclosure (12)
  • Fort Knox Ky VA loan Limits 2012 (5)
  • Freddie Mac (2)
  • free credit report (1)
  • funding fee (2)
  • gift letter (1)
  • gifts (3)
  • gifts for down payments (2)
  • gifts for down payments (3)
  • Good Neighbor Next Door Sales Program (1)
  • guarantee loan (2)
  • gus (1)
  • home inspections (2)
  • How much can I afford? (4)
  • HUD (5)
  • IBR Student loans (4)
  • income (9)
  • investment property (1)
  • IRRL (2)
  • job gaps (3)
  • job loss (3)
  • Judgements (5)
  • kENTUCKY FHA Program Quick Reference (6)
  • Kentucky First Time Home Buyer Programs (KY) (8)
  • Kentucky Housing Corporation (KHC) homeownership programs (2)
  • Kentucky Housing Current Available Funds for Downpayment Assistance (4)
  • Kentucky Housing first mortgage loans (4)
  • Kentucky Rural Development Loans (13)
  • Kentucky USDA Rural Housing Loans Information Video (7)
  • Kentucky VA Home Loans (20)
  • Kentucky VA Streamline Refinance Guidelines (6)
  • KHC (15)
  • KHC Down payment Assistance Program Kentucky Housing (19)
  • khc dap (6)
  • KHC for downpayment assistance (3)
  • KHC Loan Programs (8)
  • loan limits (2)
  • locking a mortgage (1)
  • Louisville Ky FHA and Kentucky VA Loans 2011 (1)
  • manual underwrite (1)
  • maps for eligible USDA Loans in Kentucky (2)
  • Medical Collections and charge offs (2)
  • MIP (11)
  • Mortgage insurance (12)
  • mortgage rates (1)
  • multiple fha loans (2)
  • multiple va loans (1)
  • no closing costs (5)
  • non-reimbursed expenses (1)
  • non-taxable income (2)
  • Oldham County (1)
  • part-time income (1)
  • Pastor / Minister’s housing allowance income (1)
  • pilot refinance (1)
  • PMI Mortgage insurance (13)
  • Points (2)
  • Pre-Approval For Louisville Mortgage (6)
  • prepaids (2)
  • Property eligibility USDA (5)
  • rapid rescore (1)
  • rate lock (2)
  • rebuilding credit scores (3)
  • refinance (21)
  • residual income va loan (1)
  • rhs loans kentucky (37)
  • Rural Housing Guidlines (17)
  • savings (1)
  • Self-Employed Income (4)
  • Short Sales (14)
  • Streamline (6)
  • student loans (6)
  • Student Loans USDA Loan/RHS (5)
  • tax Benefits of Purchasing Kentucky Home (2)
  • termites (1)
  • title insurance (5)
  • turndown for mortgage (1)
  • Underwriting Guidelines (2)
  • unreimbursed business expenses (1)
  • upfront mi (6)
  • USDA (36)
  • usda loans rural housing loans (9)
  • USDA RURAL HOUSING (15)
  • VA (17)
  • VA Funding Fee Chart (4)
  • VA Income Guidelines (6)
  • VA Loan- A step by step guide (7)
  • VA Mortgage Loan Checklist (5)
  • VA Mortgage Streamline (IRRRL) (6)
  • zero closing costs (3)
  • Zero Down (4)

Popular Posts

  • How much income do I need qualify for Kentucky Home Loan?
    Kentucky Lender's Criteria: Debt-to-Income Ratios   From a Kentucky Mortgage lender's perspective, your ability to purchase a h...
  • 4 Things Every Borrower Needs to Get Approved for a Mortgage or Home Loan In Kentucky
    There are 4 basic things that a borrower needs to show a lender in order to get approved for a mortgage. Each category has so many what ...
  • 6 tips for a higher credit score | Inman News
    6 tips for a higher credit score | Inman News Experian  ‏ @ Experian_US CREDIT TIP: You can call  1-877-322-8228  to get a cop...
  • Kentucky FHA Mortgage Guidelines for a Kentucky First Time Home Buyer
    Joel Lobb Senior  Loan Officer (NMLS#57916) American Mortgage Solutions, Inc. 10602 Timberwood Circle, Suite 3 Louisvill...
  • What is the minimum Credit Score Needed to Buy a House and get a Kentucky Mortgage Loan?
    What is the minimum Credit Score Needed to Buy a House and get a Kentucky Mortgage Loan? What kind of credit score do I need for...
  • Different Types of Kentucky Home Loans
    Different Types of Kentucky Home Loans   Conventional Loan • At least 3%-5% down •  Closing costs will vary o...
  • Kentucky Fannie Mae Loans versus Kentucky FHA Loans
    Kentucky Fannie Mae Loans versus Kentucky FHA Loans Non Occupant Co-Borrower for Fannie Mae ...
  • Using a Pastor / Minister’s housing Clergy Income for A Mortgage Loan Approval
    Using a Pastor / Minister’s housing allowance to qualify for a mortgage Member of the Clergy Income for A Mortgage Loan Approval  Wh...
  • WHAT IS THE MINIMUM CREDIT SCORE FOR A KENTUCKY FHA MORTGAGE HOME LOAN APPROVAL?
    Can you get a home loan with bad credit in Kentucky? 🙏 The FHA is introducing new guidelines on loan to value ratios and the minimum cr...
  • Kentucky Home Buying Programs for FHA, VA, USDA, Rural Housing and Kentu...
Follow Louisville Kentucky Mortgage FHA, VA, KHC, USDA, Fannie Mae's board Louisville Kentucky FHA , VA, USDA, Fannie Mae Mortgage Information on Pinterest.

Free Mortgage Pre-Approvals Same-Day!

Free Mortgage Pre-Approvals Same-Day!

Free Loan Analysis or Call 502-905-3708
  • Youtube
  • Twitter
  • Pinterest
  • Facebook

Joel Lobb, Mortgage Broker FHA, VA, KHC, USDA

Equal Housing Lender

Equal Housing Lender

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 his employer.

Joel Lobb or his employer 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.


This website participates as an Equal Opportunity Lender. All rights Reserved.


Joel Lobb is a Licensed Mortgage Originator: NMLS #57916.

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.

Full Disclosure Policy

This policy is valid from 11 July 2013


This blog is a sponsored blog created or supported by a company, organization or group of organizations. For questions about this blog, please contact Joel Lobb 502-905-3708 or email kentuckyloan@gmail.com NMLS# 57916.


This blog does not accept any form of advertising, sponsorship, or paid insertions. We write for our own purposes. However, we may be influenced by our background, occupation, religion, political affiliation or experience.

This blog abides by word of mouth marketing standards. We believe in honesty of relationship, opinion and identity. The compensation received may influence the advertising content, topics or posts made in this blog. That content, advertising space or post will be clearly identified as paid or sponsored content.

The owner(s) of this blog is not compensated to provide opinion on products, services, websites and various other topics. The views and opinions expressed on this blog are purely the blog owners. If we claim or appear to be experts on a certain topic or product or service area, we will only endorse products or services that we believe, based on our expertise, are worthy of such endorsement. Any product claim, statistic, quote or other representation about a product or service should be verified with the manufacturer or provider.

This blog does contain content which might present a conflict of interest. This content will always be identified.

Mortgage Counseling

If you are having trouble making your mortgage payments, Home Ownership Counseling is available by calling 1.800.569.4287 or by visiting the Consumer Financial Protection Bureau website.


CLICK HERE
Ky home square gray

The Kentucky Homeowners Protection Center can help you find a solution to keep you in your home!


LEARN MORE
Privacy Policy

We take our clients' financial privacy very seriously. During the course of processing your application, we accumulate non-public personal financial information from you and from other sources about your income, your assets, and your credit history in order to allow a lender to make an informed decision about granting you credit. We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your nonpublic personal information.

We collect nonpublic information about you from the following sources: (i) information we receive from you on applications or other forms; (ii) information about your transactions with us, our affiliates, or others; and (iii) information we receive from a consumer reporting agency.

We do not disclose any nonpublic information about our customers or former customers to any third party, except as permitted by law.

Copyright 2019. Awesome Inc. theme. Powered by Blogger.