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

I specialize in Kentucky FHA, VA, USDA & Rural Housing, KHC and Fannie Mae mortgage loans. I have helped over 700 Kentucky families buy their first home and refinance their current mortgage for a lower rate; First time buyer $0 down still available with down payment assistance with KHC. Free Mortgage applications same day approvals. This web site is not endorsed by the FHA, VA, USDA, HUD or any other govt agency. Text/call 502-905-3708 kentuckyloan@gmail.com NMLS#57916 Equal Housing Lender

Showing posts with label KHC's Homeownership Counseling. Show all posts

KHC or Kentucky Housing for Down Payment Assistance for Ky First Time Home Buyers

http://www.kyhousing.org/page.aspx?id=297

Down Payment Assistance for Ky First Time Home Buyers

Kentucky Down payment assistance loans are available up to $6,000 for Mortgage

KHC is used for mostly applicants in Kentucky that don't have access to money for a down payment on their home.

Down payment assistance loans are available up to $6,000, and are paid back over a period of ten years. They are typically offered to buyers with limited cash reserves and carry an interest rate of 1 to 5.5% based on applicants gross income.

These loans can make a critical difference to buyers for whom the down payment is an obstacle. Buyers whose 3.5% down payment is less than the $6000 limit may choose to use the remainder of a down payment loan to pay closing costs, further reducing the amount needed to bring to closing.

KHC recognizes that down payments, closing costs, and prepaids are stumbling blocks for many potential home buyers. Here are several loan programs to help. Your KHC-approved lender can help you apply for the program that meets your need.

Regular DAP

Purchase price up to $346,644 with Secondary Market.
Assistance in the form of a loan up to $6,000 in $100 increments.
Repayable over a ten-year term at 5.50 percent.
Available to all KHC first-mortgage loan recipients.

Affordable DAP

Purchase price up to $346,644 with Secondary Market.
Assistance up to $6,000.
Repayable over a ten-year term at 1.00 percent.
Borrowers must meet Affordable DAP income limits.

MORE ABOUT DOWN PAYMENT AND CLOSING COSTS

No liquid asset review and no limit on borrower reserves.
Specific credit underwriting standards may apply to down payment programs
KHC ELIGIBILITY AND CREDIT STANDARDS OVERVIEW
(Not intended to be an all-inclusive list.)
Home Buyer Eligibility
• KHC can help both first time and repeat home buyers statewide.
• Must be a U.S. citizen or legal status to be in U.S.
• Applicant’s income ONLY through Secondary Market.
• Property must be the borrower’s principal residence.
• Any Borrower that meets both the income and purchase price limit can have access to Down Payment Assistance.
Kentucky Housing Credit Standards
• 620 minimum credit score required for FHA, VA, & RHS.
• 660 minimum credit score required for Conventional.
• Debt ratios: 40/50%
• Collections in most cases do not need to be paid-off in full.
• Bankruptcies and foreclosures must be discharged two to seven years.
• Non-taxable income can be grossed-up.
Property Eligibility
• Both new and existing property.
• Both new & existing Manufactured Housing.
• With RHS only new construction Manufactured housing is allowed.
• Purchase price limit of $346,644 for Secondary Market or $311,997 for Tax Credit.
• Full appraisal required on all KHC loans.
• With Existing Property, VA is the only loan product that requires a termite inspection.
• A termite soil treatment certificate is required on ALL new construction properties except on conventional loans.

HUD Approved Housing Counseling Agencies for Kentucky Home Buyers

HUD Approved Housing Counseling Agencies for Kentucky Home buyers

Agencies located in KENTUCKY

Agency Name	Phone, Toll-Free, Fax Number, Email, Website	Address	Counseling Services	Languages	Parent Organization
KENTUCKY COMMUNITIES ECONOMIC OPPORTUNITY COUNCIL, INC. (KCEOC)	Phone: 606-546-3152 Fax: 606-546-5057 E-mail: dcornelius@kceoc.com	5448 N. U.S. 25E, Ste.A PO Box 490 Barbourville, Kentucky 40906	- Pre-purchase Counseling - Pre-purchase Homebuyer Education Workshops	- English	KENTUCKY HOUSING CORPORATION
BOWLING GREEN HUMAN RIGHTS COMMISSION	Phone: 270-782-7900 Fax: 270-782-6997 E-mail: bghrc1@aol.com Website:www.bgky.org/humanrights.htm	491 Double Springs Road BOWLING GREEN, Kentucky 42101-5185	- Fair Housing Pre-Purchase Education Workshops - Financial Management/Budget Counseling - Mortgage Delinquency and Default Resolution Counseling - Predatory Lending Education Workshops - Services for Homeless Counseling	- English - Spanish
CCCS OF THE MIDWEST	Phone: 800-355-2227 Toll-free: 800-355-2227 Fax: 614-552-4800 E-mail: info@apprisen.com Website: www.apprisen.com	1725 Ashley Circle, Ste 107 BOWLING GREEN, Kentucky 42104-5811	- Financial Management/Budget Counseling - Mortgage Delinquency and Default Resolution Counseling - Non-Delinquency Post Purchase Workshops	- English	CCCS OF THE MIDWEST/APPRISEN
HOUSING ASSISTANCE AND DEVELOPMENT SERVICES, INC.	Phone: 270-796-4176 Fax: 270-796-8203 E-mail: hands@handsinc.net Website: www.handsinc.net	1133 Adams Street BOWLING GREEN, Kentucky 42101-2603	- Fair Housing Pre-Purchase Education Workshops - Financial Management/Budget Counseling - Mortgage Delinquency and Default Resolution Counseling - Non-Delinquency Post Purchase Workshops - Pre-purchase Counseling - Pre-purchase Homebuyer Education Workshops - Rental Housing Counseling - Services for Homeless Counseling	- English
KENTUCKY LEGAL AID	Phone: 270-782-1924 E-mail: N/A Website: www.klaid.org	1700 Destiny Ln BOWLING GREEN, Kentucky 42104-1063	- Mortgage Delinquency and Default Resolution Counseling - Pre-purchase Counseling - Rental Housing Counseling - Services for Homeless Counseling	- English - Spanish	WEST TENNESSEE LEGAL SERVICES, INCORPORATED
LIVE THE DREAM DEVELOPMENT, INC	Phone: 270-843-6071-7124 Fax: 270-781-7091 E-mail: eholley@habg.org	247 Double Springs Road BOWLING GREEN, Kentucky 42101-5160	- Financial Management/Budget Counseling - Mortgage Delinquency and Default Resolution Counseling - Non-Delinquency Post Purchase Workshops - Pre-purchase Counseling - Pre-purchase Homebuyer Education Workshops - Predatory Lending Education Workshops	- English
CAMPBELLSVILLE HOUSING AND REDEVELOPMENT AUTHORITY	Phone: 270-465-3576-236 Fax: 270-465-2444 E-mail: jhall@campbellsvillehousing.com Website: www.cvillehousingonline.com	400 Ingram Ave PO Box 597 CAMPBELLSVILLE, Kentucky 42718-1627	- Financial Management/Budget Counseling - Pre-purchase Counseling - Pre-purchase Homebuyer Education Workshops - Rental Housing Counseling	- English
CATHOLIC CHARITIES, DIOCESE OF COVINGTON	Phone: 859-581-8974 Fax: 859-581-9595 E-mail: info@covingtoncharities.org Website: www.covingtoncharities.org	3629 Church St COVINGTON, Kentucky 41015-1430	- Fair Housing Pre-Purchase Education Workshops - Financial Management/Budget Counseling - Mortgage Delinquency and Default Resolution Counseling - Non-Delinquency Post Purchase Workshops - Pre-purchase Counseling - Pre-purchase Homebuyer Education Workshops - Predatory Lending Education Workshops - Rental Housing Counseling - Services for Homeless Counseling	- English - Spanish	CATHOLIC CHARITIES USA
LEGAL AID OF THE BLUEGRASS	Phone: 859-957-0189 Toll-free: 800-274-5863 Fax: 606-783-1342 E-mail: bcombs@lablaw.org Website: www.lablaw.org	104 East 7th Street COVINGTON, Kentucky 41011-2502	- Mortgage Delinquency and Default Resolution Counseling - Non-Delinquency Post Purchase Workshops - Pre-purchase Counseling - Pre-purchase Homebuyer Education Workshops - Predatory Lending Education Workshops - Rental Housing Counseling - Services for Homeless Counseling	- English - Spanish	WEST TENNESSEE LEGAL SERVICES, INCORPORATED
CCCS OF THE MIDWEST	Phone: 800-355-2227 Toll-free: 800-355-2227 Fax: 614-552-4800 E-mail: info@apprisen.com Website: www.apprisen.com/home.asp	950 North Mulberry Suite 220F ELIZABETHTOWN, Kentucky 42701-3612	- Financial Management/Budget Counseling - Mortgage Delinquency and Default Resolution Counseling - Non-Delinquency Post Purchase Workshops	- English	CCCS OF THE MIDWEST/APPRISEN
CCCS OF THE MIDWEST	Phone: 800-355-2227 Toll-free: 800-355-2227 Fax: 614-552-4800 E-mail: info@apprisen.com Website: www.apprisen.com/home.asp	11 Shelby Street FLORENCE, Kentucky 41042-1612	- Financial Management/Budget Counseling - Mortgage Delinquency and Default Resolution Counseling - Non-Delinquency Post Purchase Workshops	- English	CCCS OF THE MIDWEST/APPRISEN
CCCS OF THE MIDWEST	Phone: 800-355-2227 Toll-free: 800-355-2227 Fax: 614-552-4800 E-mail: info@apprisen.com Website: www.apprisen.com	649 Charity Court #15 FRANKFORT, Kentucky 40601-4223	- Financial Management/Budget Counseling - Mortgage Delinquency and Default Resolution Counseling - Non-Delinquency Post Purchase Workshops	- English	CCCS OF THE MIDWEST/APPRISEN
KENTUCKY DOMESTIC VIOLENCE ASSOCIATION	Phone: 502-209-5382-502 Toll-free: 502-209-5382 Fax: 502-226-5382 E-mail: modoherty@kdva.org Website: kdva.org	111 Darby Shire Circle FRANKFORT, Kentucky 40601-2741	- Pre-purchase Homebuyer Education Workshops	- English	KENTUCKY HOUSING CORPORATION
KENTUCKY HOUSING CORPORATION	Phone: 502-564-7630-775 Toll-free: 800-633-8896 Fax: 502-564-5657 E-mail: shillard@kyhousing.org Website: www.kyhousing.org	1231 Louisville Rd. FRANKFORT, Kentucky 40601-6156	- Fair Housing Pre-Purchase Education Workshops - Pre-purchase Counseling - Pre-purchase Homebuyer Education Workshops - Predatory Lending Education Workshops	- English - Spanish
KCEOC COMMUNITY ACTION PARTNERSHIP, INC.	Phone: 606-546-3152-300 Fax: 606-546-5057 E-mail: jsmith@kceoc.com Website: www.povertyisreal.com	5448 N US 25 E, Suite A GRAY, Kentucky 40734-6582	- Fair Housing Pre-Purchase Education Workshops - Financial Management/Budget Counseling - Financial, Budgeting and Credit Repair Workshops - Home Improvement and Rehabilitation Counseling - Mortgage Delinquency and Default Resolution Counseling - Non-Delinquency Post Purchase Workshops - Pre-purchase Counseling - Pre-purchase Homebuyer Education Workshops - Predatory Lending Education Workshops - Rental Housing Counseling - Rental Housing Workshops - Resolving/Preventing Mortgage Delinquency Workshops - Services for Homeless Counseling	- English
LESLIE, KNOTT, LETCHER, PERRY COMMUNITY ACTION CENTER	Phone: 606-436-3161-180 Toll-free: 800-401-4287 Fax: 606-439-1157 E-mail: a.thompson@lklp.net Website: www.lklp.org	98 Roy Campbell HAZARD, Kentucky 41701-9444	- Pre-purchase Counseling - Pre-purchase Homebuyer Education Workshops	- English	KENTUCKY HOUSING CORPORATION
BARRET CENTER, INC	Phone: 270-827-1486-114 Fax: 270-826-8673 E-mail: susangay@hahenderson.net	111 S Adams Street HENDERSON, Kentucky 42420-3611	- Pre-purchase Homebuyer Education Workshops	- English	KENTUCKY HOUSING CORPORATION
KENTUCKY LEGAL AID, INCORPORATED	Phone: 270-782-5740 Toll-free: 866-452-9243 Fax: 270-782-5740 E-mail: scrocker@klaid.org Website: www.klaid.org	1411 South Main Street HOPKINSVILLE, Kentucky 42240-2017	- Mortgage Delinquency and Default Resolution Counseling - Pre-purchase Counseling - Rental Housing Counseling	- English	KENTUCKY LEGAL AID
CCCS OF THE MIDWEST	Phone: 800-355-2227 Toll-free: 800-355-2227 Fax: 614-552-4800 E-mail: info@apprisen.com Website: www.apprisen.com/home.asp	2265 Harrodsburg Road Stuite. 303 LEXINGTON, Kentucky 40504-3500	- Financial Management/Budget Counseling - Mortgage Delinquency and Default Resolution Counseling - Non-Delinquency Post Purchase Workshops	- English	CCCS OF THE MIDWEST/APPRISEN
COMMUNITY VENTURES CORPORATION	Phone: 859-231-0054 E-mail: dmajor@cvcky.org Website: www.asite.com	1450 N Broadway Lexington, Kentucky 40505-3162	- Fair Housing Pre-Purchase Education Workshops - Financial Management/Budget Counseling - Home Improvement and Rehabilitation Counseling - Mortgage Delinquency and Default Resolution Counseling - Non-Delinquency Post Purchase Workshops - Pre-purchase Counseling - Pre-purchase Homebuyer Education Workshops - Predatory Lending Education Workshops - Rental Housing Counseling	- Arabic - Cambodian - English	NEIGHBORHOOD REINVESTMENT CORPORATION
REACH, INC.	Phone: 859-455-8057 Fax: 859-455-7436 E-mail: kjones@reachky.com Website: www.reachky.com	733 Red Mile Rd Lexington, Kentucky 40504+1153	- Financial Management/Budget Counseling - Mortgage Delinquency and Default Resolution Counseling - Non-Delinquency Post Purchase Workshops - Pre-purchase Counseling - Pre-purchase Homebuyer Education Workshops	- English - Spanish
ROAD TO HOMEOWNERSHIP, INC.	Phone: 502-647-3027 Fax: 502-647-3099 E-mail:ybradford@theroadleadinghome.org	121 Prosterous Place Ste A LEXINGTON, Kentucky 40509-1800	- Fair Housing Pre-Purchase Education Workshops - Financial Management/Budget Counseling - Mortgage Delinquency and Default Resolution Counseling - Non-Delinquency Post Purchase Workshops - Pre-purchase Counseling - Pre-purchase Homebuyer Education Workshops - Predatory Lending Education Workshops - Rental Housing Counseling - Services for Homeless Counseling	- English
CCCS OF THE MIDWEST	Phone: 800-355-2227 Toll-free: 800-355-2227 Fax: 614-552-4800 E-mail: info@apprisen.com Website: www.apprisen.com	2100 Gardiner Lane Ste 103A LOUISVILLE, Kentucky 40205-2900	- Financial Management/Budget Counseling - Mortgage Delinquency and Default Resolution Counseling - Non-Delinquency Post Purchase Workshops	- English	CCCS OF THE MIDWEST/APPRISEN
CCCS OF THE MIDWEST	Phone: 800-355-2227 Toll-free: 800-355-2227 Fax: 614-552-4800 E-mail: info@apprisen.com Website: www.apprisen.com	11492 Bluegrass Parkway Suite 110 LOUISVILLE, Kentucky 40299-2334	- Financial Management/Budget Counseling - Mortgage Delinquency and Default Resolution Counseling - Non-Delinquency Post Purchase Workshops	- English	CCCS OF THE MIDWEST/APPRISEN
HOUSING FOUNDATION	Phone: 270-965-2233 Toll-free: 866-965-2239 Fax: 775-213-7867 E-mail: myhomeky@bellsouth.net Website: www.myhomeky.org	330 North Hubbards Lane Office #4 LOUISVILLE, Kentucky 40207-2396	- Financial Management/Budget Counseling - Mortgage Delinquency and Default Resolution Counseling - Pre-purchase Counseling - Pre-purchase Homebuyer Education Workshops	- English	KENTUCKY HOUSING CORPORATION
LEGAL AID SOCIETY, INC.	Phone: 502-584-1254 Fax: 502-584-8014 E-mail: spope@laslou.org	416 West Muhammad Ali Blvd., Suite 300 LOUISVILLE, Kentucky 40202-3376	- Mortgage Delinquency and Default Resolution Counseling - Non-Delinquency Post Purchase Workshops - Pre-purchase Counseling - Predatory Lending Education Workshops - Rental Housing Counseling - Services for Homeless Counseling	- English - French - Hindi - Other - Spanish	WEST TENNESSEE LEGAL SERVICES, INCORPORATED
LOUISVILLE CENTRAL COMMUNITY CENTER	Phone: 502-583-8821 Fax: 502-583-8824 E-mail: rclay@lcccnews.org	1300 W. Muhammad Ali Blvd LOUISVILLE, Kentucky 40203-1744	- Pre-purchase Counseling - Pre-purchase Homebuyer Education Workshops	- English	KENTUCKY HOUSING CORPORATION
LOUISVILLE URBAN LEAGUE	Phone: 502-566-3362 Fax: 502-568-4663 E-mail: cmccravy@lul.org Website: www.lul.org	1535 West Broadway LOUISVILLE, Kentucky 40203-3515	- Fair Housing Pre-Purchase Education Workshops - Mortgage Delinquency and Default Resolution Counseling - Non-Delinquency Post Purchase Workshops - Pre-purchase Counseling - Pre-purchase Homebuyer Education Workshops - Predatory Lending Education Workshops - Rental Housing Counseling - Services for Homeless Counseling	- English	NATIONAL URBAN LEAGUE
NID-HCA SICKLES	Phone: 502-810-9200 Fax: 502-966-6040 E-mail: nidhca.sickles@gmail.com Website: www.nidonline.org & www.makingyourhomeaffordable.org	3215 Fern Valley Road, Suite #106 LOUISVILLE, Kentucky 40213-3563	- Fair Housing Pre-Purchase Education Workshops - Financial Management/Budget Counseling - Home Improvement and Rehabilitation Counseling - Mortgage Delinquency and Default Resolution Counseling - Non-Delinquency Post Purchase Workshops - Pre-purchase Counseling - Pre-purchase Homebuyer Education Workshops - Predatory Lending Education Workshops - Rental Housing Counseling - Services for Homeless Counseling	- English - Spanish	NATIONAL ASSOCIATION OF REAL ESTATE BROKERS-INVESTMENT DIVISION, INC
THE HOUSING PARTNERSHIP, INC	Phone: 502-585-5451 E-mail: lwood@wearehpi.org Website: www.asite.com	321 Guthrie Grn LOUISVILLE, Kentucky 40202-1813	- Financial Management/Budget Counseling - Mortgage Delinquency and Default Resolution Counseling - Non-Delinquency Post Purchase Workshops - Pre-purchase Counseling - Pre-purchase Homebuyer Education Workshops - Predatory Lending Education Workshops - Rental Housing Counseling	- English - Spanish	HOUSING PARTNERSHIP NETWORK
KENTUCKY LEGAL AID, INCORPORATED	Phone: 270-782-5740 Toll-free: 800-782-1924 Fax: 270-825-0689 E-mail: scrocker@klaid.org Website: www.klaid.org	100 South Railroad Street, # 120 MADISONVILLE, Kentucky 42431-2467	- Mortgage Delinquency and Default Resolution Counseling - Pre-purchase Counseling - Rental Housing Counseling	- English	KENTUCKY LEGAL AID
DANIEL BOONE DEVELOPMENT COUNCIL	Phone: 606-598-5127 Fax: 606-599-9712 E-mail:marthanna.dobson@danielboonecaa.org Website: none	1535 Shamrock Road MANCHESTER, Kentucky 40962-9201	- Pre-purchase Counseling	- English	KENTUCKY HOUSING CORPORATION
PURCHASE AREA HOUSING CORPORATION	Phone: 270-247-7171 Fax: 270-251-6110 E-mail:David.Hargrove@purchaseadd.org Website: www.purchaseadd.org	1002 Medical Dr MAYFIELD, Kentucky 42066-1184	- Mortgage Delinquency and Default Resolution Counseling - Non-Delinquency Post Purchase Workshops - Pre-purchase Counseling - Pre-purchase Homebuyer Education Workshops - Rental Housing Counseling - Services for Homeless Counseling	- English
BRIGHTON CENTER, INCORPORATED	Phone: 859-491-8303 E-mail: brighton@brightoncenter.com Website: brightoncenter.com	799 Ann ST NEWPORT, Kentucky 41071-1218	- Mortgage Delinquency and Default Resolution Counseling - Non-Delinquency Post Purchase Workshops - Pre-purchase Counseling - Pre-purchase Homebuyer Education Workshops - Rental Housing Counseling	- English
KENTUCKY LEGAL AID, INCORPORATED	Phone: 270-782-5740 Toll-free: 866-452-9243 Fax: 270-683-3513 E-mail: jmorre@klaid.org Website: www.klaid.org	117 West 2nd Street OWENSBORO, Kentucky 42303-4112	- Mortgage Delinquency and Default Resolution Counseling - Pre-purchase Counseling - Rental Housing Counseling	- English - Spanish	KENTUCKY LEGAL AID
CLEARPOINT FINANCIAL SOLUTIONS, INC.	Phone: 877-877-1995 Toll-free: 877-877-1995 E-mail:customer.service@clearpointccs.org Website: www.clearpointccs.org	118 Bleich Rd C-Plant Credit Union Building - - PADUCAH, Kentucky 42003-8703	- Financial Management/Budget Counseling - Mortgage Delinquency and Default Resolution Counseling - Pre-purchase Counseling	- ASL - English - Spanish	CLEARPOINT FINANCIAL SOLUTIONS, INC.
KENTUCKY LEGAL AID, INCORPORATED	Phone: 270-782-5740 Toll-free: 866-452-9243 Fax: 270-782-5740 E-mail: jmorre@klaid.org Website: www.klaid.org	1122 Jefferson Street PADUCAH, Kentucky 42001-1836	- Mortgage Delinquency and Default Resolution Counseling - Pre-purchase Counseling - Rental Housing Counseling	- English	KENTUCKY LEGAL AID
CCCS OF THE MIDWEST	Phone: 800-355-2227 Toll-free: 800-355-2227 Fax: 614-552-4800 E-mail: info@cccservices.com Website:www.cccservices.com/home.asp	317 Main Street PIKEVILLE, Kentucky 41501-1135	- Financial Management/Budget Counseling - Mortgage Delinquency and Default Resolution Counseling - Non-Delinquency Post Purchase Workshops	- English	CCCS OF THE MIDWEST/APPRISEN
BELL-WHITLEY COMMUNITY ACTION AGENCY, INC.	Phone: 606-337-3044 Fax: 606-337-1439 E-mail: normancornelius@bell-whitley.org Website: bell-whitley.org	129 Pine St. PO Box 159 PINEVILLE, Kentucky 40977-1625	- Pre-purchase Counseling - Pre-purchase Homebuyer Education Workshops	- English	KENTUCKY HOUSING CORPORATION
APPALACHIAN RESEARCH AND DEFENSE FUND OF KENTUCKY	Phone: 606-886-3876 Toll-free: 800-556-3876 Fax: 606-886-3704 E-mail: dianef@setel.com Website: www.ardfky.org	120 North Front Avenue PRESTONSBURG, Kentucky 41653-7832	- Mortgage Delinquency and Default Resolution Counseling - Non-Delinquency Post Purchase Workshops - Pre-purchase Counseling - Pre-purchase Homebuyer Education Workshops - Predatory Lending Education Workshops - Rental Housing Counseling - Services for Homeless Counseling	- English - Spanish	WEST TENNESSEE LEGAL SERVICES, INCORPORATED
CCCS OF THE MIDWEST	Phone: 800-355-2227 Toll-free: 800-355-2227 Fax: 614-552-4800 E-mail: info@cccservices.com Website: www.cccservices.com	200 E Main St 2nd Floor RICHMOND, Kentucky 40475-1628	- Financial Management/Budget Counseling - Mortgage Delinquency and Default Resolution Counseling - Non-Delinquency Post Purchase Workshops	- English	CCCS OF THE MIDWEST/APPRISEN
HAZEL JOYCE WILEY CAREER AND FINANCIAL LITERACY INSTITUTE, INC	Phone: 502-647-3072 Fax: 502-647-3099 E-mail: hjwfinancial@bellsouth.net Website: www.hjwfinancial.org	330 Main Street SHELBYVILLE, Kentucky 40065-1026	- Fair Housing Pre-Purchase Education Workshops - Financial Management/Budget Counseling - Home Improvement and Rehabilitation Counseling - Mortgage Delinquency and Default Resolution Counseling - Non-Delinquency Post Purchase Workshops - Pre-purchase Counseling - Pre-purchase Homebuyer Education Workshops - Predatory Lending Education Workshops - Rental Housing Counseling - Services for Homeless Counseling	- English - Spanish
POTENTIALS INC	Phone: 606-416-5711 E-mail:potentials.scarlette@newwavecomm.net	105 Burdine Street SOMERSET, Kentucky 42501-2311	- Financial Management/Budget Counseling - Mortgage Delinquency and Default Resolution Counseling - Pre-purchase Counseling - Pre-purchase Homebuyer Education Workshops - Rental Housing Counseling	- English	KENTUCKY HOUSING CORPORATION
PEOPLE'S SELF-HELP HOUSING, INC.	Phone: 606-796-6333 Fax: 606-796-2606 E-mail: brendapshh@alltel.net	307 KY 59 VANCEBURG, Kentucky 41179-7648	- Pre-purchase Counseling - Pre-purchase Homebuyer Education Workshops	- English	KENTUCKY HOUSING CORPORATION
GATEWAY COMMUNITY SERVICE ORGANIZATION, INC	Phone: 606-743-3133 Fax: 606-743-1130 E-mail: debbie.vannorman@gcscap.org	124 College Street PO Box 367 WEST LIBERTY, Kentucky 41472-1115	- Financial Management/Budget Counseling - Mortgage Delinquency and Default Resolution Counseling - Pre-purchase Counseling - Pre-purchase Homebuyer Education Workshops	- English	KENTUCKY HOUSING CORPORA

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A Little About Me

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

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

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

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

Email me at kentuckyloan@gmail.com with your questions

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

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

NMLS# 57916 http://www.nmlsconsumeraccess.org/

Joel Lobb Senior Loan Officer

American Mortgage Solutions, Inc.
10602 Timberwood Circle Suite 3
Louisville, KY 40223

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

Company ID #1364 | MB73346E
EQUAL HOUSING LENDER
http://www.mylouisvillekentuckymortgage.com/

Customer Testimonials

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

Angela Forsythe

"We were searching online for mortgage companies in Louisville, Ky locally to deal with and found Joel's website, and it was a godsend. He was great to work with, and delivered on everything he said he would do. I ended up referring my co-worker at UPS, and she was very pleased with his service and rates too. Would definitely vouch for him." September 2016

Monica Leinhardt

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

Kayle Griffin

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

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

Nancy Nalley

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

Jon ClarK

“Joel Lobb is a real professional in the lending industry, with many years of experience, he is the one to go to for any mortgage lending needs.” August 22, 2011

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

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

Melody Glasscock March 2014

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

Cee Bellisle August 2018

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

Anderson Johnson April, 2018

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

Patty Kingston July 2018

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

Patty Locker April 2019

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.

Pam Dolby June 2019

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.

Betty Parsons February 2019

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 .

July 1st 2019 Johnathan Simmons

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

Joel Lobb or his employer assumes any legal liability or responsibility for the accuracy, completeness, or usefulness of any information disclosed, or represents that its use would not infringe privately owned rights.

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

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

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

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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.

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

Full Disclosure Policy

This policy is valid from 11 July 2013

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

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

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

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

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KHC or Kentucky Housing for Down Payment Assistance for Ky First Time Home Buyers

Kentucky Down payment assistance loans are available up to $6,000 for Mortgage

KHC recognizes that down payments, closing costs, and prep​aids are stumbling blocks for many potential home buyers. Here are several loan programs to help. Your KHC-approved lender can help you apply for the program that meets your need.