Whether you’re buying your first home, using down payment assistance, or rebuilding credit — there’s a program that fits. Compare them side by side before you commit.
🏠 FHA Loan
The go-to for first-time buyers and 580+ credit. Low down payment and flexible guidelines.
The White House is reportedly considering a draft executive order titled "Decreasing Housing Costs for the American People," first obtained by Scotsman Guide and also reported by HousingWire . As of this writing it has not been signed , and the final details could change. Here is what the current draft includes and why Kentucky borrowers should keep an eye on it. What the Draft Proposes Reducing or eliminating certain loan-level pricing fees on eligible refinances Waiving appraisals and some documentation on qualifying refinances that lower your payment Expanding title insurance waivers to reduce closing costs Directing the VA and USDA to pursue lower rates for eligible borrowers Requiring servicers to notify you when you may qualify to remove mortgage insurance Who in Kentucky Could Benefit Homeowners who bought or refinanced at higher rates over the past few years Veterans and military families, including those near Fort Knox and Fort Campbell Rural home...
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Getting a Kentucky Mortgage in 3 Simple Steps
No confusing paperwork trails. No surprise fees. A clear path from first call to keys in hand.
01
💬 Get Pre-Qualified
Free application review with same-day answers. We look at your credit, income, and goals — no cost, no obligation, no pressure.
02
📋 Compare Your Options
FHA vs. Conventional vs. USDA vs. KHC — run side by side with your actual numbers so you see the real payment before you commit.
03
🏠 Close & Get Your Keys
Guided from contract to closing — appraisal, title, and underwriting coordinated so you always know what happens next.
Watch: Kentucky Mortgage Guides
Straight answers from my YouTube channel — no jargon, no sales pitch.
Hi, I’m Joel Lobb — a Kentucky dad who’s spent 20+ years helping families across all 120 counties buy their first home. When you call, you get me — not a phone tree. Questions on a Saturday morning? I answer.
1,300+ Kentucky families have trusted me with their mortgage — from Louisville to Lexington to the smallest towns in the state. Free application reviews, same-day pre-approvals, and honest answers about what you actually qualify for.
Kentucky Mortgage Reviews: What Joel Lobb's Clients Say
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Joel Lobb, Kentucky Mortgage Loan Officer · NMLS #57916 · Updated October 4, 2026
What do Kentucky homebuyers say about working with Joel Lobb? Clients say Joel answers fast, explains every loan option clearly, and keeps working when other lenders have said no. His past clients include first-time buyers, veterans, people on fixed incomes, and families rebuilding their credit.
90+Google reviews
4.9 ★average rating
1,300+Kentucky families
20+ yrslending experience
Watch: three real Kentucky buyer stories in 40 seconds
Turned down elsewhere, or worried about credit
★★★★★
“I emailed Joel after I had just got a denial from a bank… 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.”
Cee B.Google review
★★★★★
“We were afraid we wouldn't get approved for a loan because we didn't have the best credit scores. But with Joel's help he got us approved for a FHA. We closed on our home about 2 weeks ago!”
Sengmany S.FHA
★★★★★
“He made a situation that we were told was hopeless by so many other lenders, possible! We will be forever grateful to him and all the hard work he put in for us!”
Casey R. C.
★★★★★
“Very thankful for Mr. Lobb, he gave us hope when we thought we had no chance! He's patient, respectful, and dedicated!”
“I am a 100% disabled retired Army Soldier. My wife and I have never bought a house… We found our 23acre ranch and put a bid on it and Joel did the rest. He made this process easier than buying our truck.”
Dennis J.Google review
★★★★★
“My wife and I were first time homebuyers via VA loan moving from NY to KY. He made the process of buying a home smooth and streamlined. We had no worries and everything went flawless.”
“Joel and Dawn have been excellent handling my mortgage. It's the first one I've ever gotten and I couldn't have asked for a more competent and committed team of people working for me.”
Shauna W.Google review
★★★★★
“We had just been building our credit and needed help with some of the first home buyers programs locally… 30 days later we were approved.”
Elizabeth O.Google review
★★★★★
“We meet him on a Saturday at his office and he went over a bunch of options for us and we chose the zero down KHC loan.”
Jessie B.KHC
★★★★★
“His professionalism, knowledge, and relentless can-do attitude helped me to purchase a first home when I thought it was going to be too difficult.”
Mark W.KHC
★★★★★
“He said he would get us approved with nothing down and nothing to little at closing. He held true to his word.”
Danyell K.
★★★★★
“Made my first time home owning experience easy as pie and was with me every step of the way.”
“You see I'm on a fixed income and was barely able to get from month to month… What I know is that Joel Lobb worked extra hard and longer hours to achieve my wife and I's dreams even though we had a lifetime of adversities.”
John J.Google review
From the people who close the loans
★★★★★
“I have been in the mortgage closing industry for 17 years and experienced working with hundreds of loan officers and Joel Lobb is one of the best! He has a passion for helping his clients and is an expert on loan products…”
Nicole G.
What clients mention most
Fast answers, even nights and weekends. Several reviewers were surprised to hear back on a weekend.
Every loan option on the table. FHA, VA, USDA, KHC down payment assistance, and conventional, compared side by side.
Straight talk on the numbers. Clients mention transparency about payments and cash to close.
A plan when the answer is “not yet.” Credit and documentation steps to get approved.
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How to Get Approved for a Mortgage Loan in Kentucky Thank you for visiting. I hope you find this website both informative and empowering as you explore your Kentucky mortgage options. My goal is simple: help you understand what mortgage underwriters actually review, help you avoid preventable approval issues, and help you choose the right loan program for your situation. I specialize in assisting Kentucky first-time homebuyers with FHA, VA, USDA Rural Housing, KHC down payment assistance , and Fannie Mae conventional mortgage loans . I proudly serve all 120 counties in Kentucky. FHA Loans in Kentucky VA Loans in Kentucky USDA Rural Housing Loans in Kentucky 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 buy a home or refinance their current mortgage. Whether you are a first-time buyer, a veteran, a USDA buyer, a credit-challenged ...
Kentucky Welcome Home Grant 2026 Update: Program Closed and Out of Funds May 2026 update for Kentucky homebuyers: the 2026 Welcome Home Grant is now closed for new reservations. This does not mean you cannot buy a home. It means you need to pivot quickly to other Kentucky mortgage and down payment assistance options. May 2026 Update Welcome Home Grant Closed KHC DAP Still Available USDA, VA, FHA Options Important Update: The 2026 Welcome Home Grant Is Closed The 2026 Welcome Home Grant through FHLB Cincinnati is now closed and out of funds for new reservations . If your lender did not reserve the money before the program closed, you should not build your home purchase plan around receiving this grant for 2026. The hard truth: this grant was popular, limited, and first-come, first-served. Once the available funds were reserved, the program closed. Good News: Kentucky Buyers Still Have Options ...
If you are trying to figure out whether you earn too much to use a Kentucky Housing Corporation (KHC) loan, this page has the current numbers. Below are KHC's income limits by county, the maximum purchase price, the down payment assistance amounts, and the credit and debt-to-income rules that go with them — updated for 2026. The short answer KHC uses two different income-limit charts . Under the Secondary Market programs, most Kentucky counties allow up to $147,350 in qualifying income, rising to $195,650 in the Northern Kentucky counties. Under the lower Mortgage Revenue Bond (MRB) programs, most counties cap household income near $101,040 for a 1–2 person household and $117,880 for 3 or more. The maximum purchase price for either is $566,354 . $566,354 Max purchase price $12,500 Max down payment help 620 Min score (FHA/VA/RHS) 660 Min score (conventional) What Kentucky Housing Corporation Is — and Why the Income Limit Matters ...
