Kentucky First‑Time Homebuyer Questions Answered
Kentucky First-Time Homebuyer Quiz | FHA • VA • USDA • KHC DPA | Joel Lobb, Mortgage Broker FHA, VA, KHC, USDA/title>
<meta name="description" content="Interactive Kentucky First-Time Homebuyer Quiz — test your knowledge on credit scores, $0-down USDA & VA loans, KHC assistance, AUS findings, DTI ratios, and pre-approval steps. Joel Lobb, Mortgage Broker FHA, VA, KHC, USDA, NMLS 57916, EVO Mortgage (NMLS 1738461)." />
<meta name="keywords" content="Kentucky first time home buyer, FHA Kentucky, VA mortgage Kentucky, USDA Rural Housing Kentucky, KHC down payment assistance, DPA Kentucky, Kentucky mortgage pre approval, FHA 580 credit score Kentucky, USDA GUS, Fannie Mae DU" />
<meta name="author" content="Joel Lobb" />
<meta name="robots" content="index,follow" />
<link rel="canonical" href="https://www.mylouisvillekentuckymortgage.com/2025/09/kentucky-firsttime-homebuyer-questions.html" />
<!-- Social -->
<meta property="og:type" content="website" />
<meta property="og:title" content="Kentucky First-Time Homebuyer Quiz | FHA • VA • USDA • KHC DPA" />
<meta property="og:description" content="Test your Kentucky homebuyer knowledge and get personalized next steps from Joel Lobb, Mortgage Broker FHA, VA, KHC, USDA." />
<meta property="og:url" content="https://www.mylouisvillekentuckymortgage.com/2025/09/kentucky-firsttime-homebuyer-questions.html" />
<meta property="og:image" content="https://www.mylouisvillekentuckymortgage.com/images/kentucky-first-time-homebuyer-quiz.jpg" />
<meta name="twitter:card" content="summary_large_image" />
<style>
body{font-family:'Inter',system-ui,sans-serif;margin:0;background:linear-gradient(135deg,#fef2f2 0%,#fee2e2 50%,#fecaca 100%);color:#1f2937;line-height:1.7}
.wrap{max-width:1200px;margin:0 auto;padding:40px 20px}
header.hero{background:#fff;border:2px solid #fecaca;border-radius:20px;padding:40px;box-shadow:0 25px 50px -12px rgba(0,0,0,.15)}
.pill{display:inline-block;padding:10px 20px;background:linear-gradient(135deg,#dc2626,#b91c1c);color:#fff;font-weight:700;border-radius:50px;margin-bottom:16px;font-size:14px;letter-spacing:.5px}
h1{font-size:34px;font-weight:800;margin-top:0}
.sub{color:#4b5563;font-size:17px;margin-bottom:20px}
.cta a,.cta button{display:inline-block;padding:12px 24px;border-radius:50px;border:none;text-decoration:none;text-transform:uppercase;font-weight:600;background:linear-gradient(135deg,#dc2626,#b91c1c);color:white;box-shadow:0 4px 10px rgba(220,38,38,.2);margin-right:10px;transition:all .3s ease}
.cta a:hover,.cta button:hover{transform:translateY(-2px)}
.card{background:#fff;border:2px solid #fecaca;border-radius:16px;padding:24px;margin-top:24px;box-shadow:0 5px 15px rgba(0,0,0,.05)}
.q-title{font-size:22px;font-weight:700;margin-bottom:12px}
.opt{display:block;margin-bottom:10px;padding:10px 14px;border:1px solid #e5e7eb;border-radius:12px;background:#fafafa;cursor:pointer;transition:all .3s ease}
.opt:hover{background:#fef2f2}
.opt.correct{border-color:#059669;background:#d1fae5}
.opt.incorrect{border-color:#dc2626;background:#fee2e2}
.explain{background:#fef2f2;border-left:4px solid #dc2626;padding:12px 16px;border-radius:8px;margin-top:10px;font-size:15px}
.controls{display:flex;justify-content:space-between;margin-top:20px}
footer{border-top:2px solid #fecaca;padding-top:30px;margin-top:60px;color:#6b7280;font-size:14px}
details summary{font-weight:700;color:#b91c1c;cursor:pointer;margin-top:12px}
details p{margin-left:10px}
</style>
</head>
<body>
<div class="wrap">
<header class="hero">
<div class="pill">Kentucky First-Time Homebuyer • FHA • VA • USDA • KHC</div>
<h1>Kentucky First-Time Homebuyer Interactive Quiz</h1>
<p class="sub">Learn credit requirements, down-payment assistance, rate-locks, closing costs and approval timelines in Kentucky. Take this quiz and see how ready you are to buy a home in 2025.</p>
<div class="cta">
<a href="#quiz">Start Quiz</a>
<a href="#faq">View FAQs</a>
</div>
<p><strong>Joel Lobb</strong> • NMLS 57916 | EVO Mortgage NMLS 1738461 | Equal Housing Lender</p>
</header>
<!-- QUIZ -->
<section id="quiz" class="card">
<h2 class="q-title" id="qText"></h2>
<form id="answers"></form>
<div id="explain" class="explain" style="display:none;"></div>
<div class="controls">
<button type="button" id="prevBtn">Previous</button>
<button type="button" id="checkBtn">Check Answer</button>
<button type="button" id="nextBtn" style="display:none;">Next</button>
</div>
<p id="progressHint" style="font-size:14px;color:#6b7280;margin-top:10px">Your progress is saved automatically.</p>
</section>
<section id="result" class="card" style="display:none;text-align:center">
<h2>Your Results</h2>
<p id="scoreText" style="font-size:40px;font-weight:900;color:#dc2626">0/0</p>
<p id="recommendation"></p>
<div class="cta">
<button type="button" id="retakeBtn">Retake Quiz</button>
<a href="#faq">Review FAQs</a>
</div>
</section>
<!-- FAQ -->
<section id="faq" class="card">
<h2>Kentucky First-Time Homebuyer FAQs</h2>
<details open><summary>What credit score is needed to qualify?</summary>
<p>Most lenders want a 620–640 middle score for zero-down programs (USDA or KHC). FHA allows 580 with 3.5 % down. VA often requires 620 +, but rapid rescore can help.</p>
</details>
<details><summary>Does it cost to get pre-approved?</summary>
<p>Pre-approvals are usually free, though a credit report fee of around $50 may apply.</p>
</details>
<details><summary>How long does a pre-approval take?</summary>
<p>With documents ready, AUS findings (Desktop Underwriter or GUS) often return within 24 hours.</p>
</details>
<details><summary>Which programs offer no money down?</summary>
<p>USDA and VA offer true zero-down options. KHC assistance and city grants can also cover down payment for FHA or Conventional loans.</p>
</details>
<details><summary>When can I lock my interest rate?</summary>
<p>After you have a signed contract on a property. Most lenders allow a 60–90 day lock with extensions available.</p>
</details>
<details><summary>How much do I need for closing costs?</summary>
<p>Plan for earnest money (~$500), appraisal ($500–650), optional inspection ($300–400), and termite report ($50 for VA). Seller/lender credits can offset these costs.</p>
</details>
</section>
<footer>
<p>JJoel Lobb, Mortgage Broker FHA, VA, KHC, USDA |</p>
<p>Email: <a href="mailto:kentuckyloan@gmail.com">kentuckyloan@gmail.com</a> | Text/Call: <a href="tel:+15029053708">502-905-3708</a></p>
<p>Not endorsed by or affiliated with FHA, VA, USDA, or any government agency. Information subject to change.</p>
</footer>
</div>
<!-- QUIZ SCRIPT -->
<script>
const QUESTIONS=[{q:"For zero-down paths in Kentucky, what credit score do many lenders look for on USDA or KHC with DPA?",options:["580-600","620-640","700 +","No minimum"],correct:1,explain:"Lenders often require a 620–640 middle score for zero-down programs in Kentucky."},{q:"What does it typically cost to get pre-approved for a mortgage in Kentucky?",options:["Always $200 +","Free – maybe $50 for credit report","$500 application fee","$300 processing fee"],correct:1,explain:"Pre-approvals are free except for a small credit report fee around $50."},{q:"How quickly can AUS findings return with docs ready?",options:["3-5 days","24 hours","1 week","2 weeks"],correct:1,explain:"Automated Underwriting System results usually within 24 hours when docs are ready."},{q:"Which programs offer true $0-down financing?",options:["FHA and HomeReady","USDA and VA","Conventional 97 %","Private only"],correct:1,explain:"USDA and VA are true zero-down programs for qualified Kentucky buyers."},{q:"What do you need to lock your interest rate?",options:["Pre-approval letter","Property address","Pay stub","Appraisal"],correct:1,explain:"A property address is required to lock a rate on a loan."},{q:"How long is a pre-approval valid?",options:["60 days","90 days","120 days","180 days"],correct:2,explain:"Pre-approvals are valid around 120 days before update needed."}];
const qText=document.getElementById("qText");
const answersEl=document.getElementById("answers");
const explain=document.getElementById("explain");
const prevBtn=document.getElementById("prevBtn");
const checkBtn=document.getElementById("checkBtn");
const nextBtn=document.getElementById("nextBtn");
const resultSec=document.getElementById("result");
const scoreText=document.getElementById("scoreText");
const recommendation=document.getElementById("recommendation");
const retakeBtn=document.getElementById("retakeBtn");
let state={i:0,answers:Array(QUESTIONS.length).fill(null)};
function render(){const q=QUESTIONS[state.i];qText.textContent=q.q;answersEl.innerHTML="";q.options.forEach((opt,idx)=>{const lbl=document.createElement("label");lbl.className="opt";lbl.innerHTML=`<input type='radio' name='ans' value='${idx}'> ${opt}`;answersEl.appendChild(lbl)});explain.style.display="none";nextBtn.style.display="none";checkBtn.style.display="inline-block";prevBtn.disabled=state.i===0;}
function currentChoice(){const c=answersEl.querySelector("input[name='ans']:checked");return c?Number(c.value):null;}
checkBtn.onclick=()=>{const choice=currentChoice();if(choice===null){alert("Please select an answer.");return;}const q=QUESTIONS[state.i];const opts=answersEl.querySelectorAll(".opt");opts.forEach((o,idx)=>{o.classList.remove("correct","incorrect");if(idx===q.correct)o.classList.add("correct");if(choice!==q.correct&&idx===choice)o.classList.add("incorrect");});explain.style.display="block";explain.textContent=q.explain;nextBtn.style.display="inline-block";checkBtn.style.display="none";};
nextBtn.onclick=()=>{if(state.i<QUESTIONS.length-1){state.i++;render();}else{finish();}};
prevBtn.onclick=()=>{if(state.i>0){state.i--;render();}};
function finish(){const correct=state.answers.reduce((a,v,i)=>a+(v===QUESTIONS[i].correct?1:0),0);document.getElementById("quiz").style.display="none";resultSec.style.display="block";scoreText.textContent=`${correct}/${QUESTIONS.length}`;const pct=Math.round(correct/QUESTIONS.length*100);if(pct>=80){recommendation.textContent="Excellent — you understand Kentucky mortgage basics! You're ready to get pre-approved.";}else if(pct>=60){recommendation.textContent="Good foundation! Let's fine-tune your knowledge and get you home-ready.";}else{recommendation.textContent="No worries — we can walk you through the process step by step.";}}
retakeBtn.onclick=()=>{state={i:0,answers:Array(QUESTIONS.length).fill(null)};document.getElementById("quiz").style.display="block";resultSec.style.display="none";render();};
render();
</script>
<!-- STRUCTURED DATA -->
<script type="application/ld+json">
{
"@context":"https://schema.org",
"@graph":[
{
"@type":"WebPage",
"name":"Kentucky First-Time Homebuyer Quiz",
"url":"https://www.mylouisvillekentuckymortgage.com/2025/09/kentucky-firsttime-homebuyer-questions.html",
"description":"Interactive quiz and FAQ guide for Kentucky first-time buyers on FHA, VA, USDA, and KHC mortgage programs.",
"inLanguage":"en-US",
"author":{"@type":"Person","name":"Joel Lobb, Mortgage Broker FHA, VA, KHC, USDA","jobTitle":"Mortgage Loan Officer","email":"kentuckyloan@gmail.com","telephone":"+1-502-905-3708","identifier":"NMLS 57916","worksFor":{"@type":"Organization","name":"Joel Lobb, Mortgage Broker FHA, VA, KHC, USDA","identifier":"NMLS 1738461"}},
"publisher":{"@type":"Organization","name":"Joel Lobb, Mortgage Broker FHA, VA, KHC, USDA"}
},
{
"@type":"LocalBusiness",
"name":"Joel Lobb, Mortgage Broker FHA, VA, KHC, USDA",
"image":"https://www.mylouisvillekentuckymortgage.com/images/joel-lobb-evo-mortgage.jpg",
"telephone":"+1-502-905-3708",
"email":"kentuckyloan@gmail.com",
"url":"https://www.mylouisvillekentuckymortgage.com/",
"address":{"@type":"PostalAddress","streetAddress":"Louisville, KY","addressLocality":"Louisville","addressRegion":"KY","postalCode":"40299","addressCountry":"US"},
"openingHours":"Mo-Sa 09:00-20:00",
"priceRange":"$$",
"sameAs":["https://www.facebook.com/joellobbnmls57916","https://www.linkedin.com/in/joellobb/","https://www.youtube.com/@joellobbmortgage"]
},
{
"@type":"FAQPage",
"mainEntity":[
{"@type":"Question","name":"What credit score do I need for Kentucky first-time buyer loans?","acceptedAnswer":{"@type":"Answer","text":"Most lenders require 620 for zero-down USDA or KHC loans government backed loans. FHA allows 580 with 3.5% down, though lenders may require higher scores."}},
{"@type":"Question","name":"Does it cost anything to get pre-approved?","acceptedAnswer":{"@type":"Answer","text":"Pre-approvals are typically free, but some lenders charge a small credit report fee under $100 give or take."}},
{"@type":"Question","name":"How long does it take to get pre-approved?","acceptedAnswer":{"@type":"Answer","text":"Automated systems like DU or GUS can return approvals in about 24 hours if documents are complete."}},
{"@type":"Question","name":"Which programs help with down payment?","acceptedAnswer":{"@type":"Answer","text":"USDA and VA offer true zero-down financing, while KHC, FHA, and city grants provide down payment help."}},
{"@type":"Question","name":"When can I lock my interest rate?","acceptedAnswer":{"@type":"Answer","text":"You can lock your rate once you have a signed purchase contract. Most lenders offer 15,30,60, 45 and day locks for free."}},
{"@type":"Question","name":"How much will I need for closing costs?","acceptedAnswer":{"@type":"Answer","text":"Budget for appraisal ($500–650), inspection ($300–400), termite report ($50 for VA), and earnest money (~$500 typically). Seller or lender credits can offset costs."}}
]
}
]
}
</script>
</body>
</html>
<div style='clear: both;'></div>
</div>
<div class='post-footer'>
<div class='post-footer-line post-footer-line-1'>
<span class='post-author vcard'>
</span>
<span class='post-timestamp'>
</span>
<span class='post-comment-link'>
</span>
<span class='post-icons'>
<span class='item-action'>
<a href='https://www.blogger.com/email-post/2083715272801756161/7754210932663606369' title='Email Post'>
<img alt='' class='icon-action' height='13' src='https://resources.blogblog.com/img/icon18_email.gif' width='18'/>
</a>
</span>
</span>
<div class='post-share-buttons goog-inline-block'>
<a class='goog-inline-block share-button sb-email' href='https://www.blogger.com/share-post.g?blogID=2083715272801756161&postID=7754210932663606369&target=email' target='_blank' title='Email This'><span class='share-button-link-text'>Email This</span></a><a class='goog-inline-block share-button sb-blog' href='https://www.blogger.com/share-post.g?blogID=2083715272801756161&postID=7754210932663606369&target=blog' onclick='window.open(this.href, "_blank", "height=270,width=475"); return false;' target='_blank' title='BlogThis!'><span class='share-button-link-text'>BlogThis!</span></a><a class='goog-inline-block share-button sb-twitter' href='https://www.blogger.com/share-post.g?blogID=2083715272801756161&postID=7754210932663606369&target=twitter' target='_blank' title='Share to X'><span class='share-button-link-text'>Share to X</span></a><a class='goog-inline-block share-button sb-facebook' href='https://www.blogger.com/share-post.g?blogID=2083715272801756161&postID=7754210932663606369&target=facebook' onclick='window.open(this.href, "_blank", "height=430,width=640"); return false;' target='_blank' title='Share to Facebook'><span class='share-button-link-text'>Share to Facebook</span></a><a class='goog-inline-block share-button sb-pinterest' href='https://www.blogger.com/share-post.g?blogID=2083715272801756161&postID=7754210932663606369&target=pinterest' target='_blank' title='Share to Pinterest'><span class='share-button-link-text'>Share to Pinterest</span></a>
</div>
</div>
<div class='post-footer-line post-footer-line-2'>
<span class='post-labels'>
Labels:
<a href='https://www.mylouisvillekentuckymortgage.com/search/label/faq' rel='tag'>faq</a>,
<a href='https://www.mylouisvillekentuckymortgage.com/search/label/Kentucky%20Mortgage%20Refinance%20Questions%20to%20ask' rel='tag'>Kentucky Mortgage Refinance Questions to ask</a>,
<a href='https://www.mylouisvillekentuckymortgage.com/search/label/Most%20frequently%20asked%20Kentucky%20Mortgage%20and%20Home%20buying%20questions' rel='tag'>Most frequently asked Kentucky Mortgage and Home buying questions</a>,
<a href='https://www.mylouisvillekentuckymortgage.com/search/label/VA%20Mortgage%20Loan%20FAQ' rel='tag'>VA Mortgage Loan FAQ</a>
</span>
</div>
<div class='post-footer-line post-footer-line-3'>
<span class='post-location'>
</span>
</div>
<div class='author-profile' itemprop='author' itemscope='itemscope' itemtype='http://schema.org/Person'>
<img itemprop='image' src='//blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi_KANOsvWnE_Ahhu8GrkPMTBkgtD_vuwLoePRBNtw7kMJQcjharuqey8eVnxw95waBWnKchYT_6X46Rnvka8S0m2dLbe84FVJCCdEqjPeEdnYTaXxVcqWx72h3GSkmqw/s113/yz0telhnami60j51263n_400x400.jpeg' width='50px'/>
<div>
<a class='g-profile' href='https://www.blogger.com/profile/14742291613632757087' itemprop='url' rel='author' title='author profile'>
<span itemprop='name'>Joel Lobb, Mortgage Broker FHA, VA, KHC, USDA</span>
</a>
</div>
<span itemprop='description'>Why Work With Me?
Local Expertise: I know the ins and outs of Kentucky’s housing market and loan programs.
Fast Approvals: I offer free mortgage applications with same-day approvals to keep the process moving quickly.
Customized Loan Solutions: Whether you’re buying a home or refinancing, I’ll find the right loan program to fit your needs.
Personalized Service: I treat every client like family, ensuring you’re supported and informed throughout the process.
About My Website
Visit my website for a wealth of resources tailored to Kentucky homebuyers. You’ll find:
Step-by-step guides for first-time homebuyers.
Information on loan programs like FHA, VA, USDA, and KHC.
Tools to help you calculate potential payments and affordability.
Blog posts with tips and updates on the Kentucky housing market.
A secure portal to start your loan application and upload documents.
Please Note: My website is not endorsed by the FHA, VA, USDA, or any government agency. It is an independent platform created to educate and assist homebuyers with expert advice and accessible tools.</span>
</div>
</div>
</div>
<div class='comments' id='comments'>
<a name='comments'></a>
</div>
</div>
</div></div>
</div>
<div class='blog-pager' id='blog-pager'>
<span id='blog-pager-newer-link'>
<a class='blog-pager-newer-link' href='https://www.mylouisvillekentuckymortgage.com/2025/11/fannie-mae-removes-minimum-credit-score.html' id='Blog1_blog-pager-newer-link' title='Newer Post'>Newer Post</a>
</span>
<span id='blog-pager-older-link'>
<a class='blog-pager-older-link' href='https://www.mylouisvillekentuckymortgage.com/2025/11/kentucky-mortgage-loan-approval.html' id='Blog1_blog-pager-older-link' title='Older Post'>Older Post</a>
</span>
<a class='home-link' href='https://www.mylouisvillekentuckymortgage.com/'>Home</a>
</div>
<div class='clear'></div>
<div class='post-feeds'>
</div>
</div></div>
</div>
</div>
<div class='column-left-outer'>
<div class='column-left-inner'>
<aside>
</aside>
</div>
</div>
<div class='column-right-outer'>
<div class='column-right-inner'>
<aside>
<div class='sidebar section' id='sidebar-right-1'><div class='widget BlogSearch' data-version='1' id='BlogSearch2'>
<h2 class='title'>Search This Blog</h2>
<div class='widget-content'>
<div id='BlogSearch2_form'>
<form action='https://www.mylouisvillekentuckymortgage.com/search' class='gsc-search-box' target='_top'>
<table cellpadding='0' cellspacing='0' class='gsc-search-box'>
<tbody>
<tr>
<td class='gsc-input'>
<input autocomplete='off' class='gsc-input' name='q' size='10' title='search' type='text' value=''/>
</td>
<td class='gsc-search-button'>
<input class='gsc-search-button' title='search' type='submit' value='Search'/>
</td>
</tr>
</tbody>
</table>
</form>
</div>
</div>
<div class='clear'></div>
</div><div class='widget Profile' data-version='1' id='Profile1'>
<h2>About Me</h2>
<div class='widget-content'>
<a href='https://www.blogger.com/profile/14742291613632757087'><img alt='My photo' class='profile-img' height='80' src='//blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi_KANOsvWnE_Ahhu8GrkPMTBkgtD_vuwLoePRBNtw7kMJQcjharuqey8eVnxw95waBWnKchYT_6X46Rnvka8S0m2dLbe84FVJCCdEqjPeEdnYTaXxVcqWx72h3GSkmqw/s113/yz0telhnami60j51263n_400x400.jpeg' width='80'/></a>
<dl class='profile-datablock'>
<dt class='profile-data'>
<a class='profile-name-link g-profile' href='https://www.blogger.com/profile/14742291613632757087' rel='author' style='background-image: url(//www.blogger.com/img/logo-16.png);'>
Joel Lobb, Mortgage Broker FHA, VA, KHC, USDA
</a>
</dt>
<dd class='profile-data'>Louisville, Kentucky, United States</dd>
<dd class='profile-textblock'>Why Work With Me?
Local Expertise: I know the ins and outs of Kentucky’s housing market and loan programs.
Fast Approvals: I offer free mortgage applications with same-day approvals to keep the process moving quickly.
Customized Loan Solutions: Whether you’re buying a home or refinancing, I’ll find the right loan program to fit your needs.
Personalized Service: I treat every client like family, ensuring you’re supported and informed throughout the process.
About My Website
Visit my website for a wealth of resources tailored to Kentucky homebuyers. You’ll find:
Step-by-step guides for first-time homebuyers.
Information on loan programs like FHA, VA, USDA, and KHC.
Tools to help you calculate potential payments and affordability.
Blog posts with tips and updates on the Kentucky housing market.
A secure portal to start your loan application and upload documents.
Please Note: My website is not endorsed by the FHA, VA, USDA, or any government agency. It is an independent platform created to educate and assist homebuyers with expert advice and accessible tools.</dd>
</dl>
<a class='profile-link' href='https://www.blogger.com/profile/14742291613632757087' rel='author'>View my complete profile</a>
<div class='clear'></div>
</div>
</div><div class='widget Label' data-version='1' id='Label2'>
<h2>Labels</h2>
<div class='widget-content list-label-widget-content'>
<ul>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/%24100%20Down%20FHA'>$100 Down FHA</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/%2410000%20Grant'>$10000 Grant</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/1%25%20Down%20Mortgage%20Loans%20in%20Kentucky%20for%20First-Time%20Homebuyer'>1% Down Mortgage Loans in Kentucky for First-Time Homebuyer</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/1%25%20down%20mortgage'>1% down mortgage</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/100%25%20FINANCING'>100% FINANCING</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/10000%20down%20payment%20grant'>10000 down payment grant</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/12500%20Down%20payment%20Assistance%20Kentucky'>12500 Down payment Assistance Kentucky</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/2%20fha%20loans'>2 fha loans</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/2%20va%20loans'>2 va loans</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/2-1Temporary%20Buydown'>2-1Temporary Buydown</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/2025%20Kentucky%20Homebuyers%20Guide%3A%20Getting%20Approved%20for%20a%20Mortgage%20Loan%20in%20Kentucky'>2025 Kentucky Homebuyers Guide: Getting Approved for a Mortgage Loan in Kentucky</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/2025%20Kentucky%20Mortgage%20Limits%20for%20FHA'>2025 Kentucky Mortgage Limits for FHA</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/2025%20Kentucky%20VA%20Mortgage%20info'>2025 Kentucky VA Mortgage info</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/2025%20Loan%20Limits%20in%20Kentucky%20for%20Conventional%20and%20FHA%20Mortgage%20Loans'>2025 Loan Limits in Kentucky for Conventional and FHA Mortgage Loans</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/2025%20Welcome%20Home%20Grant%2020k'>2025 Welcome Home Grant 20k</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/2025%20welcome%20home%20grant'>2025 welcome home grant</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/2nd%20tier%20entitlement%20VA%20laon'>2nd tier entitlement VA laon</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/3%25%20down%20payment%20first%20time%20buyer'>3% down payment first time buyer</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/401%28K%29%20program%20to%20come%20up%20with%20the%20down%20payment'>401(K) program to come up with the down payment</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/401k%20loans'>401k loans</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/500%20credit%20score'>500 credit score</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/502%20USDA'>502 USDA</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/580%20FICO'>580 FICO</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/Annual%20Percentage%20Rate%20%28APR%29'>Annual Percentage Rate (APR)</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/Bad%20Credit%20Mortgage'>Bad Credit Mortgage</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/Bankruptcy'>Bankruptcy</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/Best%20mortgage%20loans%20for%20first-time%20buyers'>Best mortgage loans for first-time buyers</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/Buyer%20Grants%20Kentucky'>Buyer Grants Kentucky</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/CARES%20Act%20Mortgage%20Forbearance'>CARES Act Mortgage Forbearance</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/COE%20VA%20Loan'>COE VA Loan</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/Calculators'>Calculators</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/Cash%20Out%20seasoning%20requirement%20on%20Kentucky%20Mortgage%20Loans'>Cash Out seasoning requirement on Kentucky Mortgage Loans</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/Certificate%20of%20Eligiblity'>Certificate of Eligiblity</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/Compensating%20factors%20to%20overturn%20a%20mortgage%20denial'>Compensating factors to overturn a mortgage denial</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/Condos%20FHA%20Approved%20Louisville'>Condos FHA Approved Louisville</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/Conventional%20loan'>Conventional loan</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/Credit%20Inquires%20impact%20on%20Credit%20Score'>Credit Inquires impact on Credit Score</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/Credit%20Report%20Tips%20and%20Myths'>Credit Report Tips and Myths</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/Credit%20Score'>Credit Score</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/Credit%20Scores'>Credit Scores</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/Credit%20Scores%20Affect%20your%20Kentucky%20Mortgage%20Loan%20Approval%20Chances'>Credit Scores Affect your Kentucky Mortgage Loan Approval Chances</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/DD214'>DD214</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/Debt%20to%20Income%20Ratio'>Debt to Income Ratio</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/Disputed%20Accounts'>Disputed Accounts</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/Divorce%20Kentucky%20Mortgage%20Loan'>Divorce Kentucky Mortgage Loan</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/Do%27s%20and%20Don%E2%80%99ts%20After%20You%20Apply%20For%20A%20Mortgage'>Do's and Don’ts After You Apply For A Mortgage</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/Documents%20needed%20for%20Kentucky%20Mortgage%20Loan%20Approval'>Documents needed for Kentucky Mortgage Loan Approval</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/Down%20Payment'>Down Payment</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/Down%20Payment%20Assistance%20Program%20-%20Housing%20-%20Louisville%20Ky'>Down Payment Assistance Program - Housing - Louisville Ky</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/FHA'>FHA</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/FHA%20%24100%20Down'>FHA $100 Down</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/FHA%20203K%20RENOVATION%20%20MORTGAGE%20LENDER%20IN%20KENTUCKY'>FHA 203K RENOVATION MORTGAGE LENDER IN KENTUCKY</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/FHA%20203k%20Kentucky%20FHA%20Loan%20Guidelines'>FHA 203k Kentucky FHA Loan Guidelines</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/FHA%20Accessory%20Dwelling%20Units'>FHA Accessory Dwelling Units</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/FHA%20CONDOS%20KENTUCKY'>FHA CONDOS KENTUCKY</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/FHA%20GIFT%20OF%20EQUITY%20FOR%20KENTUCKY%20MORTGAGE%20LOANS'>FHA GIFT OF EQUITY FOR KENTUCKY MORTGAGE LOANS</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/FHA%20Guidelines'>FHA Guidelines</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/FHA%20Loans'>FHA Loans</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/FHA%20Mortgages%20and%20Bankruptcy'>FHA Mortgages and Bankruptcy</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/FHA%20Publishes%20Updates%20to%20Handbook%204000.1'>FHA Publishes Updates to Handbook 4000.1</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/FHA%20Streamline%20Refinance'>FHA Streamline Refinance</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/FHA%20monthly%20mortgage%20insuranc'>FHA monthly mortgage insuranc</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/FHA%20now%20allowing%200.5%25%20on%20Student%20Loans%20instead%20of%201%25'>FHA now allowing 0.5% on Student Loans instead of 1%</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/FHA%20treats%20job%20gap'>FHA treats job gap</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/Fannie%20Mae'>Fannie Mae</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/Fannie%20Mae%20New%20Lending%20Guidelines%20for%20Kentucky'>Fannie Mae New Lending Guidelines for Kentucky</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/Fico%20Score'>Fico Score</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/First%20Time%20Buyer'>First Time Buyer</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/Flood%20Cert%20Fee'>Flood Cert Fee</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/Forbearance'>Forbearance</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/Foster%20Income%20for%20a%20Kentucky%20Mortgage'>Foster Income for a Kentucky Mortgage</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/Foster%20Income%20for%20a%20Kentucky%20Mortgage%20Loan%20Approval'>Foster Income for a Kentucky Mortgage Loan Approval</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/Freddie%20Mac'>Freddie Mac</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/Gift%20funds'>Gift funds</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/HUD'>HUD</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/HomeReady%0Afannie%20mae%20first%20time%20home%20buyer.%20homeready%20fannie%20mae%203%25%20down%20payment'>HomeReady
fannie mae first time home buyer. homeready fannie mae 3% down payment</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/How%20Much%20Income%20Do%20I%20Need%20to%20Qualify%20for%20an%20Kentucky%20%20FHA%20Home%20Loan%3F'>How Much Income Do I Need to Qualify for an Kentucky FHA Home Loan?</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/How%20much%20can%20I%20afford%3F'>How much can I afford?</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/How%20much%20income%20do%20I%20need%20qualify%20for%20Kentucky%20Home'>How much income do I need qualify for Kentucky Home</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/How%20to%20Qualify%20For%20A%20Kentucky%20Mortgage%20Loan'>How to Qualify For A Kentucky Mortgage Loan</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/How%20to%20Qualify%20For%20a%20Kentucky%20FHA%20Mortgage%20Loan'>How to Qualify For a Kentucky FHA Mortgage Loan</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/How%20to%20buy%20a%20house%20in%20Kentucky'>How to buy a house in Kentucky</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/IBR%20Student%20loans'>IBR Student loans</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/IRRL'>IRRL</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/Job%20History%20and%20Income%20Requirements%20for%20a%20Kentucky%20Mortgage%20Loan%20Approval%20for%20a%20FHA'>Job History and Income Requirements for a Kentucky Mortgage Loan Approval for a FHA</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/Judgements'>Judgements</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/KHC'>KHC</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/KHC%20for%20downpayment%20assistance'>KHC for downpayment assistance</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/KHC%27s%20Homeownership%20Counseling'>KHC's Homeownership Counseling</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/Kentucky%20First%20Time%20Home%20Buyer%20Programs%20%28KY%29'>Kentucky First Time Home Buyer Programs (KY)</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/Kentucky%20Housing%20Corporation%20%28KHC%29%20homeownership%20programs'>Kentucky Housing Corporation (KHC) homeownership programs</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/Louisville%20Kentucky'>Louisville Kentucky</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/MIP'>MIP</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/MIP%20Rates'>MIP Rates</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/Maps%20for%20Kentucky%20USDA%20Rural%20Development%20Housing%20Programs'>Maps for Kentucky USDA Rural Development Housing Programs</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/Medical%20Collections%20and%20charge%20offs'>Medical Collections and charge offs</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/Middle%20Credit%20Score'>Middle Credit Score</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/Monthly%20Mortgage%20Insurance'>Monthly Mortgage Insurance</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/Mortgage%20Terms'>Mortgage Terms</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/Mortgage%20insurance'>Mortgage insurance</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/Most%20frequently%20asked%20Kentucky%20Mortgage%20and%20Home%20buying%20questions'>Most frequently asked Kentucky Mortgage and Home buying questions</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/NAR%20Settlement'>NAR Settlement</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/PMI%20Mortgage%20insurance'>PMI Mortgage insurance</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/Pastor%20%2F%20Minister%E2%80%99s%20housing%20allowance%20income'>Pastor / Minister’s housing allowance income</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/Points'>Points</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/Pre-Approval%20For%20Louisville%20Mortgage'>Pre-Approval For Louisville Mortgage</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/Property%20eligibility%20USDA'>Property eligibility USDA</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/RHS'>RHS</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/Removing%20PMI'>Removing PMI</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/Residual%20Income'>Residual Income</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/Rural%20Housing%20Guidlines'>Rural Housing Guidlines</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/Seasoning'>Seasoning</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/Self-Employed%20Income'>Self-Employed Income</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/Short%20Sales'>Short Sales</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/Streamline'>Streamline</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/Student%20Loans%20USDA%20Loan%2FRHS'>Student Loans USDA Loan/RHS</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/Temporary%20Buydown%20Programs'>Temporary Buydown Programs</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/Two%20FHA%20Loans%20at%20One%20Time'>Two FHA Loans at One Time</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/Two%20FHA%20Loans%20at%20the%20Same%20Time%20in%20Kentucky'>Two FHA Loans at the Same Time in Kentucky</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/USDA'>USDA</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/USDA%20Rural%20Development'>USDA Rural Development</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/USDA%20Rural%20Housing%20Guidlines'>USDA Rural Housing Guidlines</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/USDA%20loans%20Kentucky'>USDA loans Kentucky</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/Underwriting%20Guidelines'>Underwriting Guidelines</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/VA'>VA</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/VA%20Funding%20Fee%20Chart'>VA Funding Fee Chart</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/VA%20Loan-%20A%20step%20by%20step%20guide'>VA Loan- A step by step guide</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/VA%20Mortgage%20Streamline%20%28IRRRL%29'>VA Mortgage Streamline (IRRRL)</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/VA%20Streamline%20Refinance'>VA Streamline Refinance</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/VA%20closing%20costs'>VA closing costs</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/VA%20second%20tier%20entitlement'>VA second tier entitlement</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/VA%20termite'>VA termite</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/Zero%20Down'>Zero Down</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/alimony'>alimony</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/application%20checklist'>application checklist</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/appraisal'>appraisal</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/appraisers'>appraisers</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/apr%20closing%20costs'>apr closing costs</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/apr.%20annual%20percent%20rate'>apr. annual percent rate</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/assets'>assets</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/bad%20credit'>bad credit</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/bankruptcy%20fannie%20mae%20conventional'>bankruptcy fannie mae conventional</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/bankruptcy%20usda%20mortgage'>bankruptcy usda mortgage</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/bankruptcy%20va%20mortgage'>bankruptcy va mortgage</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/caivrs'>caivrs</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/cash%20deposits'>cash deposits</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/cashout.%20VA'>cashout. VA</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/cavirs'>cavirs</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/chapter%2013'>chapter 13</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/chapter%207'>chapter 7</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/charge%20off%20accounts%20VA%20Loan'>charge off accounts VA Loan</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/child%20support'>child support</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/classes'>classes</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/clergy%20income'>clergy income</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/closing%20costs'>closing costs</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/collections'>collections</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/collections%20Kentucky%20VA%20Home%20Loans'>collections Kentucky VA Home Loans</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/commissions'>commissions</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/concessions'>concessions</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/condo%20loans'>condo loans</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/consumer%20credit%20counseling'>consumer credit counseling</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/conventional%20mortgage%20insurance'>conventional mortgage insurance</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/credit'>credit</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/credit%20karma'>credit karma</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/credit%20report'>credit report</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/credit%20score%20and%20bankruptcy'>credit score and bankruptcy</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/debt%20ratio'>debt ratio</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/debt%20ratio%20va%20loan'>debt ratio va loan</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/deferred%20student%20loans'>deferred student loans</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/denied%20mortgage'>denied mortgage</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/deposit%20on%20home'>deposit on home</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/deposits'>deposits</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/divorce'>divorce</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/donor'>donor</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/doublewide'>doublewide</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/down%20payment%20assistance%20and%20first%20time%20home%20buyer%20grants'>down payment assistance and first time home buyer grants</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/down%20payments'>down payments</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/dpa'>dpa</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/dti'>dti</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/earnest%20money%20deposit'>earnest money deposit</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/emd%20check'>emd check</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/employment%20gaps'>employment gaps</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/equifax'>equifax</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/escrows'>escrows</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/experian'>experian</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/fees'>fees</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/fha%20appraisal'>fha appraisal</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/fha%20assumable%20homes%20in%20louisville'>fha assumable homes in louisville</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/fha%20gift%20down%20payments'>fha gift down payments</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/fha%20income'>fha income</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/fha%20job%20time'>fha job time</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/fha%20property%20requirements'>fha property requirements</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/fha%20refinace'>fha refinace</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/fha%20rental'>fha rental</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/fha%20repairs'>fha repairs</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/fha%20seasoning%20guidelines'>fha seasoning guidelines</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/fha%20streamline%20refinance%20louisville%20kentucky'>fha streamline refinance louisville kentucky</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/fha%20student%20loans'>fha student loans</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/fico%20%202'>fico 2</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/flipping%20rule%20FHA'>flipping rule FHA</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/foreclosure'>foreclosure</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/fort%20knox%20va%20mortgage'>fort knox va mortgage</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/free%20credit%20report'>free credit report</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/funding%20fee'>funding fee</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/future%20employment'>future employment</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/gift%20letter'>gift letter</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/gift%20of%20equity'>gift of equity</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/gifts'>gifts</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/gifts%20for%20down%20%20payments'>gifts for down payments</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/gifts%20for%20down%20payments'>gifts for down payments</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/good%20faith%20deposit'>good faith deposit</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/good%20neighbor%20next%20door%20program'>good neighbor next door program</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/government-insured%20loans'>government-insured loans</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/grants'>grants</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/gus'>gus</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/home%20inspection%20kentucy'>home inspection kentucy</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/home%20inspections'>home inspections</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/home%20insurance'>home insurance</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/housing%20ratio'>housing ratio</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/illegal%20income'>illegal income</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/income'>income</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/income%20limits%20for%20USDA%20Rural%20KY%20Loans'>income limits for USDA Rural KY Loans</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/investment%20property'>investment property</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/job%20gaps'>job gaps</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/job%20loss'>job loss</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/job%20time%20VA%20loan'>job time VA loan</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/legal%20separation'>legal separation</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/lender%20paid%20mi'>lender paid mi</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/liens'>liens</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/locking%20in%20a%20mortgage%20rate'>locking in a mortgage rate</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/low%20credit%20score'>low credit score</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/ltv'>ltv</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/manual%20underwrite'>manual underwrite</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/manufactured%20homes'>manufactured homes</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/mi'>mi</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/mobile%20homes'>mobile homes</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/modification%20agreement'>modification agreement</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/multiple%20fha%20loans'>multiple fha loans</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/multiple%20va%20loans'>multiple va loans</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/new%20job'>new job</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/no%20credit%20score'>no credit score</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/no%20down%20payment%20mortgages%20Kentucky'>no down payment mortgages Kentucky</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/no%20scores'>no scores</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/non%20arms%20length'>non arms length</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/non-occupant%20co-borrower'>non-occupant co-borrower</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/non-reimbursed%20expenses'>non-reimbursed expenses</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/non-taxable%20income'>non-taxable income</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/one%20score'>one score</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/overlays'>overlays</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/part-time%20income'>part-time income</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/pest%20termite%20report'>pest termite report</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/podcast'>podcast</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/prepaid%20finance%20charges'>prepaid finance charges</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/private%20mortgage%20insurance'>private mortgage insurance</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/raising%20scores'>raising scores</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/rapid%20rescore'>rapid rescore</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/rate%20lock'>rate lock</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/ratio'>ratio</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/real%20estate%20agents'>real estate agents</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/recast'>recast</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/refinance'>refinance</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/removing%20mortgage%20insurance'>removing mortgage insurance</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/residual%20income%20va%20loan'>residual income va loan</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/rhs%20loans%20kentucky'>rhs loans kentucky</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/savings'>savings</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/scores'>scores</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/second%20homes'>second homes</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/second-job'>second-job</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/seller%20concessions'>seller concessions</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/seller%20paid%20buy%20down'>seller paid buy down</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/septic%20test'>septic test</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/singlewide'>singlewide</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/social%20security%20income'>social security income</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/student%20loans'>student loans</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/termites'>termites</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/third%20party%20fees'>third party fees</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/time%20on%20the%20job'>time on the job</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/time%20to%20close'>time to close</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/tips'>tips</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/title'>title</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/title%20insurance'>title insurance</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/transunion'>transunion</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/traveling%20nurse'>traveling nurse</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/turn%20times%20underwriting'>turn times underwriting</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/turndown%20for%20mortgage'>turndown for mortgage</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/underwriting%20turn%20times'>underwriting turn times</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/unreimbursed%20business%20expenses'>unreimbursed business expenses</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/upfront%20Mortgage%20Insurance%20Premium%20%28UFMIP%29'>upfront Mortgage Insurance Premium (UFMIP)</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/upfront%20mi'>upfront mi</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/usda%20income%20limits'>usda income limits</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/usda%20loans%20rural%20housing%20loans'>usda loans rural housing loans</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/usda%20ratio%20requirements'>usda ratio requirements</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/va%20loan'>va loan</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/well%20water'>well water</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/work%20history'>work history</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/workers%20comp%20income'>workers comp income</a>
</li>
<li>
<a dir='ltr' href='https://www.mylouisvillekentuckymortgage.com/search/label/zero%20closing%20costs'>zero closing costs</a>
</li>
</ul>
<div class='clear'></div>
</div>
</div><div class='widget Text' data-version='1' id='Text5'>
<h2 class='title'>A Little About Me</h2>
<div class='widget-content'>
Thank you for visiting. I hope you find this website both informative and empowering as you explore your mortgage options. My goal is to help you feel confident in selecting the right home loan for your unique situation.
I proudly serve all 120 counties in Kentucky, offering a full range of mortgage loan programs, including:
FHA Loans
VA Loans
USDA Rural Housing Loans
Fannie Mae Conventional Loans
KHC Down Payment Assistance Programs
With over 20 years of lending experience, I’ve had the privilege of helping more than 1,300 Kentucky families achieve their homeownership goals. Whether you're a first-time homebuyer or seeking a second opinion, I’m here to offer honest, no-pressure advice—always free of charge.
I am dedicated to:
Attending as many closings as possible
Providing responsive, personalized service
Ensuring quick, efficient, and accurate loan processing
Making myself accessible every step of the way
I've been consistently recognized as a top mortgage loan officer in Kentucky for VA, FHA, USDA, and KHC programs. I take pride in being thorough, transparent, and attentive with each and every client.
Please take a moment to read my reviews below. If you have questions or need guidance, feel free to call or text me directly.
Call/text at 502-905-3708. Free Mortgage Pre-Qualifications same day on most applications.<p style="background-color: white; box-sizing: inherit; color: #555555; font-family: "Source Sans Pro", sans-serif; font-size: 14px; margin: 1em 0px;">Email me at kentuckyloan@gmail.com with your questions</p><p style="background-color: white; box-sizing: inherit; color: #555555; font-family: "Source Sans Pro", sans-serif; font-size: 14px; margin: 1em 0px;">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, we offer Kentucky Housing or KHC loans with down payment assistance.</p><p style="background-color: white; box-sizing: inherit; color: #555555; font-family: "Source Sans Pro", sans-serif; font-size: 14px; margin: 1em 0px;">This website is not an government agency, and does<br style="box-sizing: inherit;" />not officially represent the HUD, VA, USDA or FHA or any other government agency.</p><p style="background-color: white; box-sizing: inherit; color: #555555; font-family: "Source Sans Pro", sans-serif; font-size: 14px; margin: 1em 0px;">NMLS# 57916 http://www.nmlsconsumeraccess.org/</p><p style="background-color: white; box-sizing: inherit; color: #555555; font-family: "Source Sans Pro", sans-serif; font-size: 14px; margin: 1em 0px;">Joel Lobb Senior Loan Officer/p><p style="background-color: white; box-sizing: inherit; color: #555555; font-family: "Source Sans Pro", sans-serif; font-size: 14px; margin: 1em 0px;"> call/text phone: (502) 905-3708 kentuckyloan@gmail.com Company ID #1738461 <br style="box-sizing: inherit;" />EQUAL HOUSING LENDER<br style="box-sizing: inherit;" />http://www.mylouisvillekentuckymortgage.com/</p></p>
</div>
<div class='clear'></div>
</div><div class='widget HTML' data-version='1' id='HTML1'>
<h2 class='title'>📞 Call/Text - 502-905-3708</h2>
<div class='widget-content'>
<a href=""></a>
<a href="tel:5029053708"></a>
<a href="tel:5029053708">502-905-3708</a>
<a href="tel:5029053708">Call or text me today for your mortgage questions</a>
</div>
<div class='clear'></div>
</div><div class='widget HTML' data-version='1' id='HTML4'>
<h2 class='title'>Kentucky Mortgage Calculator</h2>
<div class='widget-content'>
<!doctype html>
Kentucky Mortgage Calculator
<script src="https://cdn.jsdelivr.net/npm/chart.js"></script>
<style>
body {
font-family: Arial, sans-serif;
background-color: #f9f9f9;
margin: 0;
padding: 0;
}
.calculator-container {
max-width: 600px;
margin: 50px auto;
background: white;
padding: 20px;
border-radius: 10px;
box-shadow: 0 4px 10px rgba(0, 0, 0, 0.1);
}
h1 {
text-align: center;
color: #333;
}
label {
display: block;
margin: 10px 0 5px;
}
input {
width: 100%;
padding: 10px;
margin-bottom: 15px;
border: 1px solid #ccc;
border-radius: 5px;
}
.result {
margin-top: 20px;
font-size: 1.2em;
color: #0056b3;
}
button {
background-color: #0056b3;
color: white;
padding: 10px;
border: none;
border-radius: 5px;
cursor: pointer;
width: 100%;
font-size: 1em;
}
button:hover {
background-color: #003f7d;
}
canvas {
margin-top: 20px;
}
</style>
<div class="calculator-container">
<h1>Kentucky Mortgage Calculator</h1>
<form id="mortgage-calculator">
<label for="home-price">Home Price ($):</label>
<input type="number" id="home-price" placeholder="Enter the home price" required />
<label for="down-payment">Down Payment ($):</label>
<input type="number" id="down-payment" placeholder="Enter the down payment" required />
<label for="interest-rate">Interest Rate (%):</label>
<input type="number" id="interest-rate" step="0.01" placeholder="Enter the interest rate" required />
<label for="loan-term">Loan Term (years):</label>
<input type="number" id="loan-term" placeholder="Enter the loan term" required />
<label for="property-taxes">Annual Property Taxes ($):</label>
<input type="number" id="property-taxes" placeholder="Enter the property taxes" required />
<label for="insurance">Annual Homeowners Insurance ($):</label>
<input type="number" id="insurance" placeholder="Enter the homeowners insurance" required />
<label for="pmi-rate">PMI Rate (%):</label>
<input type="number" id="pmi-rate" step="0.01" placeholder="Enter the PMI rate" required />
<label for="hoa-fees">Monthly HOA Fees ($):</label>
<input type="number" id="hoa-fees" placeholder="Enter the HOA fees" required />
<button type="button" onclick="calculateMortgage()">Calculate</button>
</form>
<div id="result" class="result"></div>
<canvas id="paymentChart"></canvas>
</div>
<script>
let chart;
function calculateMortgage() {
// Get input values
const homePrice = parseFloat(document.getElementById("home-price").value);
const downPayment = parseFloat(document.getElementById("down-payment").value);
const interestRate = parseFloat(document.getElementById("interest-rate").value) / 100 / 12;
const loanTerm = parseInt(document.getElementById("loan-term").value) * 12;
const propertyTaxes = parseFloat(document.getElementById("property-taxes").value) / 12;
const insurance = parseFloat(document.getElementById("insurance").value) / 12;
const pmiRate = parseFloat(document.getElementById("pmi-rate").value) / 100 / 12;
// Loan amount
const loanAmount = homePrice - downPayment;
// Monthly Principal & Interest
const monthlyPI = (loanAmount * interestRate) / (1 - Math.pow(1 + interestRate, -loanTerm));
// PMI
const pmi = loanAmount * pmiRate;
// Total monthly payment
const totalMonthlyPayment = monthlyPI + propertyTaxes + insurance + pmi;
// Display result
document.getElementById("result").innerHTML = `Your estimated monthly payment is <strong>$${totalMonthlyPayment.toFixed(2)}</strong>.`;
// Payment breakdown for the pie chart
const paymentBreakdown = {
"Principal & Interest": monthlyPI,
"Property Taxes": propertyTaxes,
"Homeowners Insurance": insurance,
"PMI": pmi
};
// Create or update the pie chart
const ctx = document.getElementById("paymentChart").getContext("2d");
if (chart) {
chart.destroy();
}
chart = new Chart(ctx, {
type: "pie",
data: {
labels: Object.keys(paymentBreakdown),
datasets: [{
data: Object.values(paymentBreakdown),
backgroundColor: ["#4caf50", "#2196f3", "#ffc107", "#f44336"],
}]
},
options: {
responsive: true,
plugins: {
legend: {
position: "bottom",
}
}
}
});
}
</script>
</!doctype>
</div>
<div class='clear'></div>
</div><div class='widget HTML' data-version='1' id='HTML6'>
<div class='widget-content'>
<blockquote class="tiktok-embed" cite="https://www.tiktok.com/@kentuckymortgage" data-unique-id="kentuckymortgage" data-embed-type="creator" style="max-width: 780px; min-width: 288px;" > <section> <a target="_blank" href="https://www.tiktok.com/@kentuckymortgage?refer=creator_embed">@kentuckymortgage</a> </section> </blockquote> <script async src="https://www.tiktok.com/embed.js"></script>
</div>
<div class='clear'></div>
</div><div class='widget FeaturedPost' data-version='1' id='FeaturedPost1'>
<h2 class='title'>Featured Post</h2>
<div class='post-summary'>
<h3><a href='https://www.mylouisvillekentuckymortgage.com/2010/10/get-approved-for-mortgage-or-home-loan.html'>4 Things Every Borrower Needs to Know to Get Approved for a Mortgage Loan In Kentucky</a></h3>
<p>
How to Get Approved for a Mortgage Loan in Kentucky | FHA, VA, USDA & KHC 2026 Guide ...
</p>
</div>
<style type='text/css'>
.image {
width: 100%;
}
</style>
<div class='clear'></div>
</div><div class='widget PopularPosts' data-version='1' id='PopularPosts2'>
<h2>Popular Posts</h2>
<div class='widget-content popular-posts'>
<ul>
<li>
<div class='item-content'>
<div class='item-thumbnail'>
<a href='https://www.mylouisvillekentuckymortgage.com/2010/10/get-approved-for-mortgage-or-home-loan.html' target='_blank'>
<img alt='' border='0' src='https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiDYeFqrYQKMQe1La2aAbBFuYidNjOc_N3RUABpeZ4X9szmP7Yq_51t0rzppApUVGqMEG1NVY22sEyhNpNsrvb26ql8T2bkIM6c1t7Gb5yDFHzsxS-MW2FB5uTJc8vvrqfri6e4yf4Nc1kQXGdEoD6vOe8E7aNckVOj1WoWTZ4ToqsVdWHtsZ7EyI2tj52m/w72-h72-p-k-no-nu/fdsfsadfdsafsfsafdsfs.jpg'/>
</a>
</div>
<div class='item-title'><a href='https://www.mylouisvillekentuckymortgage.com/2010/10/get-approved-for-mortgage-or-home-loan.html'>4 Things Every Borrower Needs to Know to Get Approved for a Mortgage Loan In Kentucky</a></div>
<div class='item-snippet'> How to Get Approved for a Mortgage Loan in Kentucky | FHA, VA, USDA & KHC 2026 Guide ...</div>
</div>
<div style='clear: both;'></div>
</li>
<li>
<div class='item-content'>
<div class='item-thumbnail'>
<a href='https://www.mylouisvillekentuckymortgage.com/2009/10/blog-post.html' target='_blank'>
<img alt='' border='0' src='https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjBTql4b_JxEUu5lzjuONnTib9rMXuSltbNENsLTcenGlFqGy66qZBk6jMvFZRuLG-5YjV4Eh9J2qosIS_iiSJ5hpZtmNNjjPV6HLiGv5GWoKUMeGgE_6CJE1SHgApCQvxykDlkHVvfkJUf/w72-h72-p-k-no-nu/image.png'/>
</a>
</div>
<div class='item-title'><a href='https://www.mylouisvillekentuckymortgage.com/2009/10/blog-post.html'>Kentucky Mortgage Rates and Home Loan Options</a></div>
<div class='item-snippet'> Kentucky Mortgage Rates and Home Loan Options Kentucky is known for its native bluegrass pastures, thoroughbred horses, and blueg...</div>
</div>
<div style='clear: both;'></div>
</li>
<li>
<div class='item-content'>
<div class='item-thumbnail'>
<a href='https://www.mylouisvillekentuckymortgage.com/2009/11/blog-post.html' target='_blank'>
<img alt='' border='0' src='https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgmPYiPudJYiSHcXb8MTpjPAlTBVuDB-2LhS5F7AM_A7GsF_EyRLyUNFlePZ2fU_elPsmCfzlXwPiS2YQdZOAbMfZZvOBSMUaRC_cmtF2ttUYAZ-vusMgISo_7iHmhxUBOJymQAl_ylR5Yc0GxPrr0OV6G0AFEvYVnxAoRTbzSeGCGzvKfu09sXRjqclurk/w72-h72-p-k-no-nu/458088049_914828644004403_3316375470699476606_n.jpg'/>
</a>
</div>
<div class='item-title'><a href='https://www.mylouisvillekentuckymortgage.com/2009/11/blog-post.html'>How much income do I need qualify for Kentucky Home Loan?</a></div>
<div class='item-snippet'>Kentucky Lender's Criteria: Debt-to-Income Ratios The Debt-to-Income (DTI) ratio is a critical factor in determining whether you qualif...</div>
</div>
<div style='clear: both;'></div>
</li>
<li>
<div class='item-content'>
<div class='item-title'><a href='https://www.mylouisvillekentuckymortgage.com/2011/05/6-tips-for-higher-credit-score-inman.html'>6 Tips to Boost Your Credit Score for Kentucky Mortgage Loans (FHA, VA, USDA, KHC)</a></div>
<div class='item-snippet'> 6 Credit Repair Tips for Kentucky Homebuyers: FHA, VA & USDA Loans | Joel Lobb ...</div>
</div>
<div style='clear: both;'></div>
</li>
<li>
<div class='item-content'>
<div class='item-thumbnail'>
<a href='https://www.mylouisvillekentuckymortgage.com/2014/02/different-types-of-kentucky-home-loans.html' target='_blank'>
<img alt='' border='0' src='https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEguEL6rNbqElSlBmRNGzEY4B7I2zB_xl5cYkLhxqhXzivnMz2iqZTMKAuK2-GR1sZq-nB_TH_e33cD4dWcTznYjwjodp6P6zJwxDAOPzDUezclJyR6-Zc3QUq5RmoVoP3ehuHXgMBhf-SnJysae5JaInZfikqpI8XCcggTBcQku_G0Rfmq7sODR2t_IRw/w72-h72-p-k-no-nu/309452429_10162683329314522_3336370714315974140_n.jpg'/>
</a>
</div>
<div class='item-title'><a href='https://www.mylouisvillekentuckymortgage.com/2014/02/different-types-of-kentucky-home-loans.html'>Kentucky Mortgage Loan Programs | FHA, VA, USDA & Conventional Guide</a></div>
<div class='item-snippet'> Understanding the Four Main Mortgage Loan Programs in Kentucky When buying a home in Kentucky, your mortgage will typically fall...</div>
</div>
<div style='clear: both;'></div>
</li>
</ul>
<div class='clear'></div>
</div>
</div><div class='widget Text' data-version='1' id='Text2'>
<div class='widget-content'>
<div style="font-weight: normal;"><br /></div><div><div class="entry-content clearfix" id="content-202" style="background-color: white; border: 0px; color: #555454; font-family: arvo, serif; font-size: 14px; font-weight: normal; line-height: 1.25em; margin: 0.8em 0px 0px; outline: 0px; overflow-wrap: break-word; overflow: hidden; padding: 0px; vertical-align: baseline; zoom: 1;"><div class="content" style="border: 0px; font-family: inherit; font-style: inherit; margin: 0px; outline: 0px; overflow-wrap: break-word; padding: 0px; position: relative; vertical-align: baseline;"><div class="gmail_quote" style="border: 0px; font-family: inherit; font-style: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"><div dir="ltr" style="border: 0px; font-family: inherit; font-style: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"><div style="border: 0px; font-family: inherit; font-style: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;"></div></div></div></div></div><div style="background-color: #fefdfa;font-family:";font-size:14px;color:#333333;"><h3 style="margin: 0px; position: relative;"><span style="font-weight: normal;">Customer Testimonials</span></h3><div style="font-weight: normal;"><span style="background-color: white;color:red;"><br /></span></div></div><div style="background-color: #fefdfa; color: #333333; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14px; font-weight: normal;"><br /></div><div style="background-color: #fefdfa; color: #333333; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14px; font-weight: normal;">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.</div><div style="background-color: #fefdfa; color: #333333; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14px; font-weight: normal;"><br /></div><div style="background-color: #fefdfa; color: #333333; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14px; font-weight: normal;">Angela Forsythe<br /><div style="font-weight: normal;"><br /></div><div>"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<br /><div style="font-weight: normal;"><br /></div><div><b style="font-weight: normal;">Monica Leinhardt</b><br /><div style="font-weight: normal;"><br />"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.<br /><br /><b>Kayle Griffin</b></div><div><b><br /></b><div style="font-weight: normal;">“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<br /><br /><b>Tim Beck</b><br />“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<br /><br /><b>Nancy Nalley</b><br /><br /><br />“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<br /><br /><br /><b>Jon ClarK</b><br /><br />“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<br /><br /><br /><b>RICHARD VOLZ , Residential Sales , Remax Foursquare Realty</b><br />“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<br /><b>Stacie Drake</b></div><br />"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."<br /><br />Melody Glasscock March 2014</div><div style="font-weight: normal;"><strong><br /></strong></div><div style="font-weight: normal;"><b></b><br /><div><b>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.</b></div><b></b><br /><div><b><br /></b></div><b></b><br /><div><b>Cee Bellisle August 2018</b></div><b></b><br /><div><br /></div><b></b></div></div></div></div><div style="background-color: #fefdfa; color: #333333; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14px; font-weight: normal;">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.</div><div style="background-color: #fefdfa; color: #333333; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14px; font-weight: normal;"><br /><b>Anderson Johnson April, 2018</b></div><div style="background-color: #fefdfa; color: #333333; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14px; font-weight: normal;"><b><br /></b></div><div style="background-color: #fefdfa; color: #333333; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14px; font-weight: normal;">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!</div><div style="background-color: #fefdfa; color: #333333; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14px; font-weight: normal;"><br /></div><div style="background-color: #fefdfa; color: #333333; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14px; font-weight: normal;"></div><div style="background-color: #fefdfa; color: #333333; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14px; font-weight: normal;"><b>Patty Kingston July 2018</b></div><div style="background-color: #fefdfa; color: #333333; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14px; font-weight: normal;"><br /></div><div style="background-color: #fefdfa; color: #333333; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14px; font-weight: normal;"><br /></div><div style="background-color: #fefdfa; color: #333333; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14px; font-weight: normal;"><br /></div><div style="background-color: #fefdfa; color: #333333; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-size: 14px;"><div style="font-weight: normal;">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</div><div style="font-weight: normal;"><br /></div><div style="font-weight: normal;"><b>Patty Locker April 2019</b></div><div style="font-weight: normal;"><br /></div><div style="font-weight: normal;">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.</div><div style="font-weight: normal;"><br /></div><div style="font-weight: normal;"><b><br /></b></div><div style="font-weight: normal;"><b>Pam Dolby June 2019</b></div><div style="font-weight: normal;"><br /></div><div style="font-weight: normal;">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.</div><div style="font-weight: normal;"><br /></div><div style="font-weight: normal;"><br /></div><div style="font-weight: normal;"><div><b>Betty Parsons February 2019</b></div><div style="font-weight: normal;"><br /></div></div><div style="font-weight: normal;"><br /></div><div style="font-weight: normal;"><span style="font-weight: normal;">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 . </span></div><div style="font-weight: normal;"><b><br /></b></div><div style="font-weight: normal;"><span style="font-weight: normal;"></span><b>July 1st 2019 </b><b>Johnathan Simmons</b></div><div style="font-weight: normal;"><br /></div></div><div style="background-color: #fefdfa; font-weight: normal;font-family:";font-size:13px;color:#333333;"><div ="" style="font-size:14px;"><span class="Apple-style-span" style="line-height: 15px;"></span><br /></div><h3 style="letter-spacing: -0.05em; margin: 0px; padding: 0px; position: relative;"></h3></div><span style="font-weight: normal;"><b style="background-color: #fefdfa; color: #333333; font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif; font-size: 13px;"></b></span></div>
</div>
<div class='clear'></div>
</div><div class='widget HTML' data-version='1' id='HTML3'>
<h2 class='title'>Joel Lobb, Mortgage Broker FHA, VA, KHC, USDA</h2>
<div class='widget-content'>
<iframe src="https://www.google.com/maps/embed?pb=!1m18!1m12!1m3!1d168377.33684504233!2d-85.69507913024779!3d38.35638541397821!2m3!1f0!2f0!3f0!3m2!1i1024!2i768!4f13.1!3m3!1m2!1s0x88699fedadd9407f%3A0xbdaebf3c776087b0!2sJoel+Lobb%2C+Mortgage+Broker+FHA%2C+VA%2C+KHC%2C+USDA!5e0!3m2!1sen!2sus!4v1546377700411" width="300" height="300" frameborder="0" style="border:0" allowfullscreen></iframe>
</div>
<div class='clear'></div>
</div><div class='widget Image' data-version='1' id='Image1'>
<h2>Free Kentucky Mortgage Loan Approval</h2>
<div class='widget-content'>
<a href='http://www.emailmeform.com/builder/form/0bfJs9b6bK8TGoc6mQk9hIu'>
<img alt='Free Kentucky Mortgage Loan Approval' height='44' id='Image1_img' src='https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiO1DX9W7flq9g1a_p-R38YFvbfnmEHD3xLhU_1znGisHRoAUJf3DlKCIiLWigtUZuBUMnOHGfHOKNavXgP1ib0oIeJJJ6ymkXb0qO9tni-gsI_x6MGSjSPM07ZqYc1QzQV12bH8DDTfAy5/s226/applynow.gif' width='226'/>
</a>
<br/>
<span class='caption'>Free Loan Analysis or Call 502-905-3708</span>
</div>
<div class='clear'></div>
</div><div class='widget HTML' data-version='1' id='HTML2'>
<div class='widget-content'>
<!-- ClickDesk - Live Chat Service for websites -->
<script type='text/javascript'> var _glc =_glc || []; _glc.push('all_ag9zfmNsaWNrZGVza2NoYXRyEgsSBXVzZXJzGICAwOXUvIkLDA'); var glcpath = (('https:' == document.location.protocol) ? 'https://my.clickdesk.com/clickdesk-ui/browser/' : 'http://my.clickdesk.com/clickdesk-ui/browser/'); var glcp = (('https:' == document.location.protocol) ? 'https://' : 'http://'); var glcspt = document.createElement('script'); glcspt.type = 'text/javascript'; glcspt.async = true; glcspt.src = glcpath + 'livechat-new.js'; var s = document.getElementsByTagName('script')[0];s.parentNode.insertBefore(glcspt, s); </script>
<!-- End of ClickDesk -->
</div>
<div class='clear'></div>
</div><div class='widget Image' data-version='1' id='Image5'>
<h2>Free Mortgage Pre-Approvals Same-Day!</h2>
<div class='widget-content'>
<a href='https://www.google.com/maps/preview#!data=!1m4!1m3!1d3909!2d-85.5740893!3d38.2358903!4m12!2m11!1m10!1s0x0%3A0x8765252ab3c7dd5d!3m8!1m3!1d3227262!2d-85.7682399!3d37.8222935!3m2!1i1024!2i768!4f13.1'>
<img alt='Free Mortgage Pre-Approvals Same-Day!' height='172' id='Image5_img' src='https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi4zw7cJ-kSK1BjkR9tnw5nSNztFI1OVBLp01nDYLq6X1nO-MvAvcZBUrBSF18KabOU2saaXDSU8n6JESz0BWQfLEdINk9Ff-k3A4xuCwuXKJ2NRYofE0iG_1oVj-8pLV1xGdktqjO9BBJ_/s1600/images+%25285%2529.jpg' width='276'/>
</a>
<br/>
</div>
<div class='clear'></div>
</div><div class='widget Image' data-version='1' id='Image9'>
<h2>Equal Housing Lender</h2>
<div class='widget-content'>
<a href='http://portal.hud.gov/hudportal/HUD?src=/program_offices/fair_housing_equal_opp'>
<img alt='Equal Housing Lender' height='67' id='Image9_img' src='https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhO9X8ZRLqMQ61ByXgKsLf-v72MEnr4OC7EZrLX4r5FimabHmovwUlcAaAKTc3Jx1NtofRtPQbIAn_pvuH2NTPxqiBiV9IsA4KT6NlgVFwuJZaMhr6DtgdpKbP_1g0fge0huHx1Achbr7io/s340/fdddsd.jpg' width='82'/>
</a>
<br/>
</div>
<div class='clear'></div>
</div><div class='widget Text' data-version='1' id='Text8'>
<h2 class='title'>Accessibility Statement</h2>
<div class='widget-content'>
<span style="font-family:Georgia, serif;">Read More here👇</span><div><span style="font-family:Georgia, serif;"><br /></span></div><div><span style="font-family:Georgia, serif;"><a href="https://www.mylouisvillekentuckymortgage.com/p/accessibility-statement.html">Accessibility Statement </a></span></div>
</div>
<div class='clear'></div>
</div></div>
<table border='0' cellpadding='0' cellspacing='0' class='section-columns columns-2'>
<tbody>
<tr>
<td class='first columns-cell'>
<div class='sidebar section' id='sidebar-right-2-1'><div class='widget HTML' data-version='1' id='HTML5'>
<div class='widget-content'>
<!-- TrustBox widget - Review Collector -->
<div class="trustpilot-widget" data-locale="en-US" data-template-id="56278e9abfbbba0bdcd568bc" data-businessunit-id="674de83b7b607e022c999197" data-style-height="52px" data-style-width="100%">
<a href="https://www.trustpilot.com/review/mylouisvillekentuckymortgage.com" target="_blank" rel="noopener">Trustpilot</a>
</div>
<!-- End TrustBox widget -->
</div>
<div class='clear'></div>
</div></div>
</td>
<td class='columns-cell'>
<div class='sidebar section' id='sidebar-right-2-2'><div class='widget Text' data-version='1' id='Text6'>
<h2 class='title'>Full Disclosure Policy</h2>
<div class='widget-content'>
<div><span style="background-color: white; color: #444444;font-family:arial, sans-serif;font-size:12px;">This policy is valid from 11 July 2013</span></div><div><div class="widget-content" style="border-top-color: rgb(238, 238, 238); border-top-style: solid; border-top-width: 1px; margin: 0px -15px; padding: 7px 15px 0px;"><div style="background-color: white; color: #444444;font-family:Arial, Tahoma, Helvetica, FreeSans, sans-serif;font-size:14px;"><span style="font-family:arial, sans-serif;font-size:12px;"><br /></span></div><div style="background-color: white; color: #444444;font-family:Arial, Tahoma, Helvetica, FreeSans, sans-serif;font-size:14px;"><span style="font-family:arial, sans-serif;font-size:12px;"><br /></span></div><div style="background-color: white; color: #444444;font-family:Arial, Tahoma, Helvetica, FreeSans, sans-serif;font-size:14px;"><span style="font-family:arial, sans-serif;font-size:12px;">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.</span></div><div style="background-color: white; color: #444444;font-family:Arial, Tahoma, Helvetica, FreeSans, sans-serif;font-size:14px;"><span style="font-family:arial, sans-serif;font-size:12px;"><br /></span></div><div style="background-color: white; color: #444444;font-family:Arial, Tahoma, Helvetica, FreeSans, sans-serif;font-size:14px;"><span style="font-family:arial, sans-serif;font-size:12px;"><br /></span></div><div style="background-color: white; color: #444444;font-family:Arial, Tahoma, Helvetica, FreeSans, sans-serif;font-size:14px;"><span style="font-family:arial, sans-serif;font-size:12px;">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.</span></div><div style="background-color: white; color: #444444;font-family:Arial, Tahoma, Helvetica, FreeSans, sans-serif;font-size:14px;"><span style="font-family:arial, sans-serif;font-size:12px;"><br /></span></div><div style="background-color: white; color: #444444;font-family:Arial, Tahoma, Helvetica, FreeSans, sans-serif;font-size:14px;"><span style="font-family:arial, sans-serif;font-size:12px;">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.</span></div><div style="background-color: white; color: #444444;font-family:Arial, Tahoma, Helvetica, FreeSans, sans-serif;font-size:14px;"><span style="font-family:arial, sans-serif;font-size:12px;"><br /></span></div><div style="background-color: white; color: #444444;font-family:Arial, Tahoma, Helvetica, FreeSans, sans-serif;font-size:14px;"><span style="font-family:arial, sans-serif;font-size:12px;">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.</span></div><div style="background-color: white; color: #444444;font-family:Arial, Tahoma, Helvetica, FreeSans, sans-serif;font-size:14px;"><span style="font-family:arial, sans-serif;font-size:12px;"><br /></span></div><div style="background-color: white; color: #444444;font-family:Arial, Tahoma, Helvetica, FreeSans, sans-serif;font-size:14px;"><span style="font-family:arial, sans-serif;font-size:12px;">This blog does contain content which might present a conflict of interest. This content will always be identified.</span></div><div style="background-color: white; color: #444444;font-family:Arial, Tahoma, Helvetica, FreeSans, sans-serif;font-size:14px;"><span style="font-family:arial, sans-serif;font-size:12px;"><br /></span></div></div></div>
</div>
<div class='clear'></div>
</div></div>
</td>
</tr>
</tbody>
</table>
<div class='sidebar section' id='sidebar-right-3'><div class='widget Text' data-version='1' id='Text4'>
<h2 class='title'><strong>Website Fine Print</strong></h2>
<div class='widget-content'>
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.<br /><br />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.<br /><br />The mortgage or financial services or strategies mentioned in this website may not be not suitable for you.<br /><br /><br />This website participates as an Equal Opportunity Lender. All rights Reserved.<br /><br /><br />Joel Lobb is a Licensed Mortgage Originator: <strong>NMLS #57916</strong>. <br /><h3 class="wtitle">Legal Disclaimer </h3> <div class="textwidget"><br /><br /></div><div><p>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. </p> <p><strong><a href="http://www.hud.gov/utilities/intercept.cfm?http://www.hud.gov/offices/fheo/FHLaws/FairHousingJan2002.pdf" target="_blank">**Download Fair Housing Booklet – CLICK HERE</a><br /></strong></p> <p>All approvals and rates are not guaranteed, and are only issued based on standard mortgage qualifying guidelines.</p></div>
</div>
<div class='clear'></div>
</div></div>
</aside>
</div>
</div>
</div>
<div style='clear: both'></div>
<!-- columns -->
</div>
<!-- main -->
</div>
</div>
<div class='main-cap-bottom cap-bottom'>
<div class='cap-left'></div>
<div class='cap-right'></div>
</div>
</div>
<footer>
<div class='footer-outer'>
<div class='footer-cap-top cap-top'>
<div class='cap-left'></div>
<div class='cap-right'></div>
</div>
<div class='fauxborder-left footer-fauxborder-left'>
<div class='fauxborder-right footer-fauxborder-right'></div>
<div class='region-inner footer-inner'>
<div class='foot section' id='footer-1'><div class='widget Text' data-version='1' id='Text3'>
<h2 class='title'>Why Work With Me?</h2>
<div class='widget-content'>
I specialize in assisting Kentucky First-Time Homebuyers with mortgage loans, including FHA, VA, USDA & Rural Housing, KHC (Kentucky Housing Corporation), and Fannie Mae programs. With over 20 years of experience in the mortgage industry, I’ve helped more than 1,300 Kentucky families achieve their dream of homeownership or refinance their current mortgages to secure lower payments.
Whether you’re a first-time buyer or looking to refinance, I am here to guide you through every step of the process with personalized attention, expert advice, and the best loan options available to fit your unique needs.
Down Payment Assistance:
For Kentucky first-time homebuyers, we still have down payment assistance available through KHC programs. These funds can make a huge difference in reducing upfront costs and making homeownership more accessible.
Why Work With Me?
Local Expertise: I know the ins and outs of Kentucky’s housing market and loan programs.
Fast Approvals: I offer free mortgage applications with same-day approvals to keep the process moving quickly.
Customized Loan Solutions: Whether you’re buying a home or refinancing, I’ll find the right loan program to fit your needs.
Personalized Service: I treat every client like family, ensuring you’re supported and informed throughout the process.
About My Website
Visit my website for a wealth of resources tailored to Kentucky homebuyers. You’ll find:
Step-by-step guides for first-time homebuyers.
Information on loan programs like FHA, VA, USDA, and KHC.
Tools to help you calculate potential payments and affordability.
Blog posts with tips and updates on the Kentucky housing market.
A secure portal to start your loan application and upload documents.
Please Note: My website is not endorsed by the FHA, VA, USDA, or any government agency. It is an independent platform created to educate and assist homebuyers with expert advice and accessible tools.
Contact Me Anytime
1 - 📅 Email - kentuckyloan@gmail.com
2. 📞 Call/Text - 502-905-3708
Joel Lobb
Mortgage Loan Officer - Expert on Kentucky Mortgage Loans
Licensing Info: Kentucky Mortgage Loan Only
NMLS Personal ID: 57916
Company NMLS ID: 1738461
www.nmlsconsumeracces.org
Equal Housing Lender
Click on link to start your mortgage loan approval
NMLS 57916 | Company NMLS #173846
The view and opinions stated on this website belong solely to the authors, and are intended for informational purposes only. The posted information does not guarantee approval, nor does it comprise full underwriting guidelines. This does not represent being part of a government agency. The views expressed on this post are mine and do not necessarily reflect the view of my employer. Not all products or services mentioned on this site may fit all people.
(www.nmlsconsumeraccess.org).
</div>
<div class='clear'></div>
</div><div class='widget Text' data-version='1' id='Text9'>
<h2 class='title'>Legal Information</h2>
<div class='widget-content'>
If you are an individual with disabilities who needs accommodation, or you are having difficulty using our website to apply for a loan, please contact us at 502-905-3708.
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. Refinancing an existing loan may result in total finance charges being higher over the life of a loan. Reduction in payments may reflect a longer loan term. Terms of any loan may be subject to payment of points and fees by the applicant Equal Opportunity Lender. NMLS#57916http://www.nmlsconsumeraccess.org/
Legal Information
If you are an individual with disabilities who needs accommodation, or you are having difficulty using our website to apply for a loan, please contact us at 502-905-3708. 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. Refinancing an existing loan may result in total finance charges being higher over the life of a loan. Reduction in payments may reflect a longer loan term. Terms of any loan may be subject to payment of points and fees by the applicant Equal Opportunity Lender. NMLS#57916http://www.nmlsconsumeraccess.org/
This content is not intended to provide legal, tax, accounting, financial or investment advice or indicate the suitability of any product or service for your unique circumstances. You are encouraged to consult with a qualified legal, tax, accounting, financial or investment professional based on your specific circumstances. We do not make any warranties as to accuracy or completeness of this information, do not endorse any third-party companies, products, or services described here, and take no liability for your use of this information.
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.
</div>
<div class='clear'></div>
</div><div class='widget Text' data-version='1' id='Text7'>
<div class='widget-content'>
<span style="background-color: white; color: #767676; font-family: "Gotham Narrow A", "Gotham Narrow B", Arial, Helvetica, sans-serif; font-size: 14px; font-style: italic;">This content is not intended to provide legal, tax, accounting, financial or investment advice or indicate the suitability of any product or service for your unique circumstances. You are encouraged to consult with a qualified legal, tax, accounting, financial or investment professional based on your specific circumstances. We do not make any warranties as to accuracy or completeness of this information, do not endorse any third-party companies, products, or services described here, and take no liability for your use of this information.</span>
</div>
<div class='clear'></div>
</div></div>
<table border='0' cellpadding='0' cellspacing='0' class='section-columns columns-2'>
<tbody>
<tr>
<td class='first columns-cell'>
<div class='foot section' id='footer-2-1'><div class='widget Image' data-version='1' id='Image2'>
<div class='widget-content'>
<img alt='' height='772' id='Image2_img' src='https://blogger.googleusercontent.com/img/a/AVvXsEhuH2-nAq7Dfusec4dt--O1pUhn-lmM-thlfjdLXAeZYeEIbvT8bYnwmoWSdlSCsXXfBDwm2JIy3atE7QgQJK2akkeGTu0jVnw7bpwU2LufgByzXdC6WWYwDq3dA4KudNVdFBp48dTw3AccSgzs5Ktctonkmh8PemQwoLhX9ZIBTWPQV8rS86bZ64UW4M7e=s1158' width='1158'/>
<br/>
</div>
<div class='clear'></div>
</div></div>
</td>
<td class='columns-cell'>
<div class='foot section' id='footer-2-2'><div class='widget Text' data-version='1' id='Text1'>
<div class='widget-content'>
<table style="font-family:'Trebuchet MS';font-size:12px;color:black;"><tbody><tr><td class="paddingTop10 paddingBottom10" style="padding-bottom: 10px; padding-top: 10px;"><span class="Header5" id="ctl01_contentContainerHolder_pageNameLabel" style="font-weight: bold; padding-bottom: 5px;font-size:13.5pt;color:#990000;">Privacy Policy</span></td></tr><tr><td><p style="clear: both; padding: 0px;">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.</p><p style="clear: both; padding: 0px;">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.</p><p style="clear: both; padding: 0px;">We do not disclose any nonpublic information about our customers or former customers to any third party, except as permitted by law.</p></td></tr></tbody></table>
</div>
<div class='clear'></div>
</div></div>
</td>
</tr>
</tbody>
</table>
<!-- outside of the include in order to lock Attribution widget -->
<div class='foot section' id='footer-3' name='Footer'><div class='widget Attribution' data-version='1' id='Attribution1'>
<div class='widget-content' style='text-align: center;'>
Copyright 2025. Simple theme. Powered by <a href='https://www.blogger.com' target='_blank'>Blogger</a>.
</div>
<div class='clear'></div>
</div></div>
</div>
</div>
<div class='footer-cap-bottom cap-bottom'>
<div class='cap-left'></div>
<div class='cap-right'></div>
</div>
</div>
</footer>
<!-- content -->
</div>
</div>
<div class='content-cap-bottom cap-bottom'>
<div class='cap-left'></div>
<div class='cap-right'></div>
</div>
</div>
</div>
<script type='text/javascript'>
window.setTimeout(function() {
document.body.className = document.body.className.replace('loading', '');
}, 10);
</script>
<script type="text/javascript" src="https://www.blogger.com/static/v1/widgets/1581542668-widgets.js"></script>
<script type='text/javascript'>
window['__wavt'] = 'AOuZoY4uuc21TCLMUX81ovo21idUSRDhHg:1764924027710';_WidgetManager._Init('//www.blogger.com/rearrange?blogID\x3d2083715272801756161','//www.mylouisvillekentuckymortgage.com/2025/09/kentucky-firsttime-homebuyer-questions.html','2083715272801756161');
_WidgetManager._SetDataContext([{'name': 'blog', 'data': {'blogId': '2083715272801756161', 'title': 'Louisville Kentucky Mortgage Lender for FHA, VA, KHC, USDA and Rural Housing Kentucky Mortgages', 'url': 'https://www.mylouisvillekentuckymortgage.com/2025/09/kentucky-firsttime-homebuyer-questions.html', 'canonicalUrl': 'https://www.mylouisvillekentuckymortgage.com/2025/09/kentucky-firsttime-homebuyer-questions.html', 'homepageUrl': 'https://www.mylouisvillekentuckymortgage.com/', 'searchUrl': 'https://www.mylouisvillekentuckymortgage.com/search', 'canonicalHomepageUrl': 'https://www.mylouisvillekentuckymortgage.com/', 'blogspotFaviconUrl': 'https://www.mylouisvillekentuckymortgage.com/favicon.ico', 'bloggerUrl': 'https://www.blogger.com', 'hasCustomDomain': true, 'httpsEnabled': true, 'enabledCommentProfileImages': true, 'gPlusViewType': 'FILTERED_POSTMOD', 'adultContent': false, 'analyticsAccountNumber': 'UA-18020292-4', 'encoding': 'UTF-8', 'locale': 'en', 'localeUnderscoreDelimited': 'en', 'languageDirection': 'ltr', 'isPrivate': false, 'isMobile': false, 'isMobileRequest': false, 'mobileClass': '', 'isPrivateBlog': false, 'isDynamicViewsAvailable': true, 'feedLinks': '\x3clink rel\x3d\x22alternate\x22 type\x3d\x22application/atom+xml\x22 title\x3d\x22Louisville Kentucky Mortgage Lender for FHA, VA, KHC, USDA and Rural Housing Kentucky Mortgages - Atom\x22 href\x3d\x22https://www.mylouisvillekentuckymortgage.com/feeds/posts/default\x22 /\x3e\n\x3clink rel\x3d\x22alternate\x22 type\x3d\x22application/rss+xml\x22 title\x3d\x22Louisville Kentucky Mortgage Lender for FHA, VA, KHC, USDA and Rural Housing Kentucky Mortgages - RSS\x22 href\x3d\x22https://www.mylouisvillekentuckymortgage.com/feeds/posts/default?alt\x3drss\x22 /\x3e\n\x3clink rel\x3d\x22service.post\x22 type\x3d\x22application/atom+xml\x22 title\x3d\x22Louisville Kentucky Mortgage Lender for FHA, VA, KHC, USDA and Rural Housing Kentucky Mortgages - Atom\x22 href\x3d\x22https://www.blogger.com/feeds/2083715272801756161/posts/default\x22 /\x3e\n\n\x3clink rel\x3d\x22alternate\x22 type\x3d\x22application/atom+xml\x22 title\x3d\x22Louisville Kentucky Mortgage Lender for FHA, VA, KHC, USDA and Rural Housing Kentucky Mortgages - Atom\x22 href\x3d\x22https://www.mylouisvillekentuckymortgage.com/feeds/7754210932663606369/comments/default\x22 /\x3e\n', 'meTag': '', 'adsenseClientId': 'ca-pub-0263480581473498', 'adsenseHostId': 'ca-host-pub-1556223355139109', 'adsenseHasAds': false, 'adsenseAutoAds': false, 'boqCommentIframeForm': true, 'loginRedirectParam': '', 'view': '', 'dynamicViewsCommentsSrc': '//www.blogblog.com/dynamicviews/4224c15c4e7c9321/js/comments.js', 'dynamicViewsScriptSrc': '//www.blogblog.com/dynamicviews/d308f4d28acbd8a8', 'plusOneApiSrc': 'https://apis.google.com/js/platform.js', 'disableGComments': true, 'interstitialAccepted': false, 'sharing': {'platforms': [{'name': 'Get link', 'key': 'link', 'shareMessage': 'Get link', 'target': ''}, {'name': 'Facebook', 'key': 'facebook', 'shareMessage': 'Share to Facebook', 'target': 'facebook'}, {'name': 'BlogThis!', 'key': 'blogThis', 'shareMessage': 'BlogThis!', 'target': 'blog'}, {'name': 'X', 'key': 'twitter', 'shareMessage': 'Share to X', 'target': 'twitter'}, {'name': 'Pinterest', 'key': 'pinterest', 'shareMessage': 'Share to Pinterest', 'target': 'pinterest'}, {'name': 'Email', 'key': 'email', 'shareMessage': 'Email', 'target': 'email'}], 'disableGooglePlus': true, 'googlePlusShareButtonWidth': 0, 'googlePlusBootstrap': '\x3cscript type\x3d\x22text/javascript\x22\x3ewindow.___gcfg \x3d {\x27lang\x27: \x27en\x27};\x3c/script\x3e'}, 'hasCustomJumpLinkMessage': false, 'jumpLinkMessage': 'Read more', 'pageType': 'item', 'postId': '7754210932663606369', 'pageName': 'Kentucky First\u2011Time Homebuyer Questions Answered ', 'pageTitle': 'Louisville Kentucky Mortgage Lender for FHA, VA, KHC, USDA and Rural Housing Kentucky Mortgages: Kentucky First\u2011Time Homebuyer Questions Answered ', 'metaDescription': 'Kentucky first time home buyer, KY FHA, KY VA, USDA Rural Housing Kentucky, KHC down payment assistance, DPA Kentucky, mortgage pre\u2011approval Kentucky,'}}, {'name': 'features', 'data': {}}, {'name': 'messages', 'data': {'edit': 'Edit', 'linkCopiedToClipboard': 'Link copied to clipboard!', 'ok': 'Ok', 'postLink': 'Post Link'}}, {'name': 'template', 'data': {'name': 'Simple', 'localizedName': 'Simple', 'isResponsive': false, 'isAlternateRendering': false, 'isCustom': false, 'variant': 'simplysimple', 'variantId': 'simplysimple'}}, {'name': 'view', 'data': {'classic': {'name': 'classic', 'url': '?view\x3dclassic'}, 'flipcard': {'name': 'flipcard', 'url': '?view\x3dflipcard'}, 'magazine': {'name': 'magazine', 'url': '?view\x3dmagazine'}, 'mosaic': {'name': 'mosaic', 'url': '?view\x3dmosaic'}, 'sidebar': {'name': 'sidebar', 'url': '?view\x3dsidebar'}, 'snapshot': {'name': 'snapshot', 'url': '?view\x3dsnapshot'}, 'timeslide': {'name': 'timeslide', 'url': '?view\x3dtimeslide'}, 'isMobile': false, 'title': 'Kentucky First\u2011Time Homebuyer Questions Answered ', 'description': 'Kentucky first time home buyer, KY FHA, KY VA, USDA Rural Housing Kentucky, KHC down payment assistance, DPA Kentucky, mortgage pre\u2011approval Kentucky,', 'url': 'https://www.mylouisvillekentuckymortgage.com/2025/09/kentucky-firsttime-homebuyer-questions.html', 'type': 'item', 'isSingleItem': true, 'isMultipleItems': false, 'isError': false, 'isPage': false, 'isPost': true, 'isHomepage': false, 'isArchive': false, 'isLabelSearch': false, 'postId': 7754210932663606369}}]);
_WidgetManager._RegisterWidget('_NavbarView', new _WidgetInfo('Navbar1', 'navbar', document.getElementById('Navbar1'), {}, 'displayModeFull'));
_WidgetManager._RegisterWidget('_HeaderView', new _WidgetInfo('Header1', 'header', document.getElementById('Header1'), {}, 'displayModeFull'));
_WidgetManager._RegisterWidget('_PageListView', new _WidgetInfo('PageList1', 'crosscol', document.getElementById('PageList1'), {'title': 'Pages', 'links': [{'isCurrentPage': false, 'href': 'https://www.mylouisvillekentuckymortgage.com/2010/10/get-approved-for-mortgage-or-home-loan.html', 'title': '4 Things Required for a KY Mortgage Loan Approval'}, {'isCurrentPage': false, 'href': 'http://www.mylouisvillekentuckymortgage.com/p/credit-scores.html', 'title': 'Credit Scores Required For A Kentucky Mortgage Loan Approval in 2025'}, {'isCurrentPage': false, 'href': 'http://www.mylouisvillekentuckymortgage.com/p/first-time-home-buyer-mortgage-kentucky.html', 'title': 'Kentucky First-time Home Buyer Programs'}, {'isCurrentPage': false, 'href': 'http://www.mylouisvillekentuckymortgage.com/p/kenttucky-fhamortgage-loansupdated.html', 'title': 'Kentucky FHA Mortgage Information'}, {'isCurrentPage': false, 'href': 'http://www.mylouisvillekentuckymortgage.com/p/va-loans.html', 'title': 'Kentucky VA Mortgage Loan Information'}, {'isCurrentPage': false, 'href': 'https://www.mylouisvillekentuckymortgage.com/p/a-kentucky-usda-home-loan-is-zero.html', 'id': '99064845963280817', 'title': 'USDA Rural Housing Kentucky Loan Information'}, {'isCurrentPage': false, 'href': 'https://www.mylouisvillekentuckymortgage.com/p/khc-loan-programs.html', 'id': '3233579446283983634', 'title': ' Down Payment Assistance Kentucky Housing Corporation KHC up to $12,500 '}, {'isCurrentPage': false, 'href': 'http://www.mylouisvillekentuckymortgage.com/p/first-time-home-buyer-louisville.html', 'title': 'Zero Down Kentucky Mortgages'}, {'isCurrentPage': false, 'href': 'http://www.mylouisvillekentuckymortgage.com/p/common-questions-from-first-time.html', 'title': 'First-time Home-buyers in Kentucky '}, {'isCurrentPage': false, 'href': 'http://www.mylouisvillekentuckymortgage.com/p/documents-needed-for-mortgage-loan.html', 'title': 'Documents Needed Mortgage Approval in Kentucky'}, {'isCurrentPage': false, 'href': 'https://www.mylouisvillekentuckymortgage.com/p/download-free-credit-score-booklet.html', 'id': '6997570064932205671', 'title': 'Free Credit Score For Mortgage Loan Approval'}, {'isCurrentPage': false, 'href': 'http://www.mylouisvillekentuckymortgage.com/p/tips-to-ensure-your-mortgage-closes.html', 'title': 'Do\x26#39;s \x26amp; Dont\x26#39;s before closing:'}, {'isCurrentPage': false, 'href': 'https://www.mylouisvillekentuckymortgage.com/p/4-things-every-borrower-needs-to-get.html', 'id': '2532855878297067987', 'title': 'Closing Costs Kentucky Mortgage'}, {'isCurrentPage': false, 'href': 'https://www.mylouisvillekentuckymortgage.com/p/all-about-lock-ins.html', 'id': '8648632802729257902', 'title': 'Lock Kentucky Mortgage Loan Rate'}, {'isCurrentPage': false, 'href': 'https://www.mylouisvillekentuckymortgage.com/p/ten-important-questions-to-ask-your.html', 'id': '7306221960625923538', 'title': 'Home Inspections Kentucky Mortgage Loan'}, {'isCurrentPage': false, 'href': 'https://www.mylouisvillekentuckymortgage.com/p/testimonials.html', 'id': '7426220340745319273', 'title': 'Testimonials '}, {'isCurrentPage': false, 'href': 'https://www.mylouisvillekentuckymortgage.com/p/kentucky-mortgage-calculator-body-font.html', 'id': '1150393010970973885', 'title': 'Mortgage Calculator '}, {'isCurrentPage': false, 'href': 'https://www.mylouisvillekentuckymortgage.com/p/usdarural-housing-0-down.html', 'id': '753968973990539665', 'title': 'Kentucky USDA Rural Development Housing Loan'}, {'isCurrentPage': false, 'href': 'https://www.mylouisvillekentuckymortgage.com/p/legal-privacy-policy-accessibility.html', 'id': '7818058069585384123', 'title': 'Legal / Privacy Policy / Accessibility Statements'}, {'isCurrentPage': false, 'href': 'https://www.mylouisvillekentuckymortgage.com/p/accessibility-statement.html', 'id': '1082452760595818433', 'title': 'About Me and this website'}], 'mobile': false, 'showPlaceholder': true, 'hasCurrentPage': false}, 'displayModeFull'));
_WidgetManager._RegisterWidget('_BlogView', new _WidgetInfo('Blog1', 'main', document.getElementById('Blog1'), {'cmtInteractionsEnabled': false, 'lightboxEnabled': true, 'lightboxModuleUrl': 'https://www.blogger.com/static/v1/jsbin/244180678-lbx.js', 'lightboxCssUrl': 'https://www.blogger.com/static/v1/v-css/828616780-lightbox_bundle.css'}, 'displayModeFull'));
_WidgetManager._RegisterWidget('_BlogSearchView', new _WidgetInfo('BlogSearch2', 'sidebar-right-1', document.getElementById('BlogSearch2'), {}, 'displayModeFull'));
_WidgetManager._RegisterWidget('_ProfileView', new _WidgetInfo('Profile1', 'sidebar-right-1', document.getElementById('Profile1'), {}, 'displayModeFull'));
_WidgetManager._RegisterWidget('_LabelView', new _WidgetInfo('Label2', 'sidebar-right-1', document.getElementById('Label2'), {}, 'displayModeFull'));
_WidgetManager._RegisterWidget('_TextView', new _WidgetInfo('Text5', 'sidebar-right-1', document.getElementById('Text5'), {}, 'displayModeFull'));
_WidgetManager._RegisterWidget('_HTMLView', new _WidgetInfo('HTML1', 'sidebar-right-1', document.getElementById('HTML1'), {}, 'displayModeFull'));
_WidgetManager._RegisterWidget('_HTMLView', new _WidgetInfo('HTML4', 'sidebar-right-1', document.getElementById('HTML4'), {}, 'displayModeFull'));
_WidgetManager._RegisterWidget('_HTMLView', new _WidgetInfo('HTML6', 'sidebar-right-1', document.getElementById('HTML6'), {}, 'displayModeFull'));
_WidgetManager._RegisterWidget('_FeaturedPostView', new _WidgetInfo('FeaturedPost1', 'sidebar-right-1', document.getElementById('FeaturedPost1'), {}, 'displayModeFull'));
_WidgetManager._RegisterWidget('_PopularPostsView', new _WidgetInfo('PopularPosts2', 'sidebar-right-1', document.getElementById('PopularPosts2'), {}, 'displayModeFull'));
_WidgetManager._RegisterWidget('_TextView', new _WidgetInfo('Text2', 'sidebar-right-1', document.getElementById('Text2'), {}, 'displayModeFull'));
_WidgetManager._RegisterWidget('_HTMLView', new _WidgetInfo('HTML3', 'sidebar-right-1', document.getElementById('HTML3'), {}, 'displayModeFull'));
_WidgetManager._RegisterWidget('_ImageView', new _WidgetInfo('Image1', 'sidebar-right-1', document.getElementById('Image1'), {'resize': true}, 'displayModeFull'));
_WidgetManager._RegisterWidget('_HTMLView', new _WidgetInfo('HTML2', 'sidebar-right-1', document.getElementById('HTML2'), {}, 'displayModeFull'));
_WidgetManager._RegisterWidget('_ImageView', new _WidgetInfo('Image5', 'sidebar-right-1', document.getElementById('Image5'), {'resize': true}, 'displayModeFull'));
_WidgetManager._RegisterWidget('_ImageView', new _WidgetInfo('Image9', 'sidebar-right-1', document.getElementById('Image9'), {'resize': false}, 'displayModeFull'));
_WidgetManager._RegisterWidget('_TextView', new _WidgetInfo('Text8', 'sidebar-right-1', document.getElementById('Text8'), {}, 'displayModeFull'));
_WidgetManager._RegisterWidget('_HTMLView', new _WidgetInfo('HTML5', 'sidebar-right-2-1', document.getElementById('HTML5'), {}, 'displayModeFull'));
_WidgetManager._RegisterWidget('_TextView', new _WidgetInfo('Text6', 'sidebar-right-2-2', document.getElementById('Text6'), {}, 'displayModeFull'));
_WidgetManager._RegisterWidget('_TextView', new _WidgetInfo('Text4', 'sidebar-right-3', document.getElementById('Text4'), {}, 'displayModeFull'));
_WidgetManager._RegisterWidget('_TextView', new _WidgetInfo('Text3', 'footer-1', document.getElementById('Text3'), {}, 'displayModeFull'));
_WidgetManager._RegisterWidget('_TextView', new _WidgetInfo('Text9', 'footer-1', document.getElementById('Text9'), {}, 'displayModeFull'));
_WidgetManager._RegisterWidget('_TextView', new _WidgetInfo('Text7', 'footer-1', document.getElementById('Text7'), {}, 'displayModeFull'));
_WidgetManager._RegisterWidget('_ImageView', new _WidgetInfo('Image2', 'footer-2-1', document.getElementById('Image2'), {'resize': true}, 'displayModeFull'));
_WidgetManager._RegisterWidget('_TextView', new _WidgetInfo('Text1', 'footer-2-2', document.getElementById('Text1'), {}, 'displayModeFull'));
_WidgetManager._RegisterWidget('_AttributionView', new _WidgetInfo('Attribution1', 'footer-3', document.getElementById('Attribution1'), {}, 'displayModeFull'));
</script>
</body>
</html> 