Kentucky First-Time Homebuyer Quiz | FHA • VA • USDA • KHC DPA | Joel Lobb, Mortgage Broker FHA, VA, KHC, USDA/title>
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<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>
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<a href="#quiz">Start Quiz</a>
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<p><strong>Joel Lobb</strong> • NMLS 57916 | EVO Mortgage NMLS 1738461 | Equal Housing Lender</p>
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<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>
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<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>
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<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>
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<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>
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<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>
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<span itemprop='name'>Joel Lobb, Mortgage Broker FHA, VA, KHC, USDA</span>
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<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>
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<a href='https://www.mylouisvillekentuckymortgage.com/2023/02/freddie-mac-is-making-change-to-their.html'>Cash Out Refinance seasoning requirement on Kentucky Mortgage Loans</a>
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<p><br /></p><p class="MsoNormal" style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif; font-size: small; margin: 0px;"><u></u></p><blockquote style="border: none; margin: 0px 0px 0px 40px; padding: 0px;"><h2 style="background-color: white; margin: 0px; text-align: center;"><span face="Arial, Helvetica, sans-serif" style="color: #222222; font-size: x-small;"> Cash Out seasoning requirement on Kentucky Mortgage Loans for FHA, VA, Fannie Mae</span></h2></blockquote><p class="MsoNormal" style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif; font-size: small; margin: 0px;"><br /></p><p class="MsoNormal" style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif; font-size: small; margin: 0px;">Did you know that Freddie Mac is making a change to their Cash Out seasoning requirement effective March, 7 2023?</p><p class="MsoNormal" style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif; font-size: small; margin: 0px;"><br /></p><p class="MsoNormal" style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif; font-size: small; margin: 0px;"> The new guideline will require at least 12 months to have passed from the Note date of the mortgage being refinanced. Please see below for the agency specific <a href="https://selling-guide.fanniemae.com/Eligibility/Mortgage-Eligibility/Loan-Purpose-/COR/1093387091/What-is-the-seasoning-requirement-for-a-cash-out-refinance-transaction.htm">cash out seasoning requirements</a> and let us know if you have any questions. <u></u><u></u></p><p class="MsoNormal" style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif; font-size: small; margin: 0px;"><u></u> <u></u></p><p class="MsoNormal" style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif; font-size: small; margin: 0px;"><u></u> <u></u></p><p class="MsoNormal" style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif; font-size: small; margin: 0px;"><b><a href="https://www.blogger.com/blog/post/edit/2083715272801756161/2611196354607255273#">FNMA: 6 months</a><u></u><u></u></b></p><p class="MsoNormal" style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif; font-size: small; margin: 0px;"><img class="CToWUd" data-bit="iit" data-image-whitelisted="" height="30" id="m_-2612041317076553053m_-2667017569799914626Picture_x0020_5" src="https://mail.google.com/mail/u/1?ui=2&ik=e03ec987ac&attid=0.1&permmsgid=msg-f:1759084460646190973&th=186985ff36b9cf7d&view=fimg&fur=ip&sz=s0-l75-ft&attbid=ANGjdJ9zC2j1017vbFiBy6OBJiVmJbWaNDJXoQasnCbzVir4OdFNpAm-mbEsJOmTA1t492dfBoVBtKOHw9CpuwaXbzWPEzLRrP7dqX-n-p5oDTDrdL-IozINGo-D7J8&disp=emb&realattid=186985f97034cff311" style="height: 0.3083in; width: 8.9916in;" width="863" /><u></u><u></u></p><p class="MsoNormal" style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif; font-size: small; margin: 0px;"><u></u> <u></u></p><p class="MsoNormal" style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif; font-size: small; margin: 0px;"><b><a href="https://www.blogger.com/blog/post/edit/2083715272801756161/2611196354607255273#">FHLMC: 12 months</a></b> <span style="background: yellow;">(Effective 3/7/2023)</span><u></u><u></u></p><p class="MsoNormal" style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif; font-size: small; margin: 0px;"><img class="CToWUd" data-bit="iit" data-image-whitelisted="" height="67" id="m_-2612041317076553053m_-2667017569799914626_x0000_i1026" src="https://mail.google.com/mail/u/1?ui=2&ik=e03ec987ac&attid=0.2&permmsgid=msg-f:1759084460646190973&th=186985ff36b9cf7d&view=fimg&fur=ip&sz=s0-l75-ft&attbid=ANGjdJ8F_KBe2p6LbrWALzSZ597FoiJtUaLN3cmZlFrsQM-BbP8tp1sDvEQbAIzgElD5C2nA1JlJkohuXlFnk1XUbTL5qW2iCBIyKrnMsMqTPh6lL1fkl-kPWegCxrY&disp=emb&realattid=186985f97085b16b22" style="height: 0.7in; width: 9.2416in;" width="887" /><u></u><u></u></p><p class="MsoNormal" style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif; font-size: small; margin: 0px;"><u></u> <u></u></p><p class="MsoNormal" style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif; font-size: small; margin: 0px;"><b><a href="https://www.mylouisvillekentuckymortgage.com/p/kenttucky-fhamortgage-loansupdated.html">Kentucky FHA Mortgage Loan:</a> 12 months<u></u><u></u></b></p><p class="MsoNormal" style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif; font-size: small; margin: 0px;"><img class="CToWUd" data-bit="iit" data-image-whitelisted="" height="45" id="m_-2612041317076553053m_-2667017569799914626Picture_x0020_8" src="https://mail.google.com/mail/u/1?ui=2&ik=e03ec987ac&attid=0.3&permmsgid=msg-f:1759084460646190973&th=186985ff36b9cf7d&view=fimg&fur=ip&sz=s0-l75-ft&attbid=ANGjdJ94OqHGVbuGABnvTBL5fJ59TDN9Iu9xTpJrxI21vok8O3hAuL0iZnlSKna7lFFEcis_X7i3eqbr8OBP2_3Tmm1uZl_tDXkeJ4q9gePcuwfkbO1gCR39iGfWRGo&disp=emb&realattid=186985f9708692e333" style="height: 0.4666in; width: 9.2166in;" width="885" /><u></u><u></u></p><p class="MsoNormal" style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif; font-size: small; margin: 0px;"><u></u> <u></u></p><p class="MsoNormal" style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif; font-size: small; margin: 0px;"><b><a href="https://www.mylouisvillekentuckymortgage.com/p/va-loans.html">Kentucky VA Mortgage Loans: 2</a>10 days/6 months<u></u><u></u></b></p><p class="MsoNormal" style="background-color: white; color: #222222; font-family: Arial, Helvetica, sans-serif; font-size: small; margin: 0px;"><img class="CToWUd" data-bit="iit" data-image-whitelisted="" height="83" id="m_-2612041317076553053m_-2667017569799914626Picture_x0020_7" src="https://mail.google.com/mail/u/1?ui=2&ik=e03ec987ac&attid=0.4&permmsgid=msg-f:1759084460646190973&th=186985ff36b9cf7d&view=fimg&fur=ip&sz=s0-l75-ft&attbid=ANGjdJ8CWzbaFMOj0GfKDVJJ58EjBBqyr39QDQZrPNji0ig-nKVfazS-pOZ8Q4-SwZ4efkKvuu2GrZWqaTQ0EgiTkYQ-QEgnbLU0rtHKLmmr1RIHOthiZuevRClypq8&disp=emb&realattid=186985f97087745b44" style="height: 0.8666in; width: 7.2166in;" width="693" /></p>
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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>
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<a href='https://www.mylouisvillekentuckymortgage.com/2015/02/kentucky-fha-streamline-refinance.html'>KENTUCKY FHA STREAMLINE REFINANCE TRANSACTIONS.</a>
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<a href="http://www.emailmeform.com/builder/form/0bfJs9b6bK8TGoc6mQk9hIu" target="_blank" title="PreQualification Request">Fill out my form!</a><br />
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<b><u><span style="color: red;"> KENTUCKY FHA STREAMLINE REFINANCE TRANSACTIONS.</span></u></b></div>
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<figure class="wp-caption alignnone" id="attachment_421" style="border: 1px solid rgb(57, 57, 57); box-sizing: inherit; margin: 0px 0px 1.5em; max-width: 100%; width: 185px;"><span style="font-family: inherit;"><span style="border-color: initial; border-image: initial; border-style: initial; box-sizing: inherit; font-style: inherit; font-weight: inherit; height: auto; margin-left: auto; margin-right: auto; outline-color: initial; outline-style: initial; transition-delay: initial; transition-duration: 0.3s; transition-property: all;"><a href="http://www.emailmeform.com/builder/form/0bfJs9b6bK8TGoc6mQk9hIu" target="_blank"><img alt="502-905-3708 for your free FHA Mortgage Prequalification" class="size-full wp-image-421" src="https://kentuckyfhaloan.files.wordpress.com/2011/09/action.jpg?w=605" style="border: 0px; box-sizing: inherit; display: block; height: auto; margin: 2.21875px auto 0px; max-width: 98%;" /></a></span></span><figcaption class="wp-caption-text" style="box-sizing: inherit; font-size: 1.2rem; margin: 0.375em; text-align: center;"><a href="http://www.emailmeform.com/builder/form/0bfJs9b6bK8TGoc6mQk9hIu" target="_blank"><b><span style="color: red;"><br /><span style="background-color: #f3f6f8; font-family: -apple-system, BlinkMacSystemFont, "Segoe UI", Roboto, Oxygen-Sans, Ubuntu, Cantarell, "Helvetica Neue", sans-serif; font-size: 12px;">fha streamline refinance louisville kentucky</span></span></b></a></figcaption><figcaption class="wp-caption-text" style="box-sizing: inherit; font-size: 1.2rem; margin: 0.375em; text-align: center;"><br /></figcaption><figcaption class="wp-caption-text" style="box-sizing: inherit; font-size: 1.2rem; margin: 0.375em; text-align: center;"><a href="http://www.emailmeform.com/builder/form/0bfJs9b6bK8TGoc6mQk9hIu" target="_blank">502-905-3708 for your free FHA Mortgage Prequalification</a></figcaption></figure><br />
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<br />
<br />
<br />
In order to be in compliance with HUD Mortgagee Letter 2009-32, the following changes<br />
to <a href="http://louisvillemortgageguide.com/2012/12/09/kentucky-fha-streamline-refinance/" style="-webkit-transition: all 0.3s ease; border: 0px; box-sizing: inherit; color: black; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; text-decoration: none; transition: all 0.3s ease; vertical-align: baseline;" title="Kentucky FHA Streamline Refinance"><strong style="border: 0px; box-sizing: inherit; font-family: inherit; font-style: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;">Kentucky FHA Streamline Refinances</strong> </a>will be effective for new case numbers assigned </div>
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<strong style="border: 0px; box-sizing: inherit; font-family: inherit; font-style: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;">**** Revised Streamline Refinance Transactions WITHOUT an Appraisal ****</strong><br />
The maximum insurable mortgage cannot exceed:<br />
• The outstanding principal balance* (from payoff) minus the applicable<br />
refund of the UFMIP,<br />
PLUS<br />
• The new UFMIP that will be charged on the refinance.<br />
**Closing cost cannot be included in the new maximum loan amount.<br />
<strong style="border: 0px; box-sizing: inherit; font-family: inherit; font-style: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;">****Revised Streamline Transaction WITH an Appraisal****</strong><br />
The maximum insurable mortgage is the lower of:<br />
1) Outstanding principal balance* minus the applicable refund of UFMIP, plus<br />
closing costs, prepaid items to establish the escrow account and the new<br />
UFMIP that will be charge on the refinance;<br />
OR<br />
2.) 97.75 percent of the appraised value of the property plus the new UFMIP that<br />
will be charged on the refinance.<br />
Discount points may not be included in the new mortgage. If the borrower<br />
has agreed to pay discount points, the lender must verify the borrower has the<br />
assets to pay them along with any other financing costs that are not included in<br />
the new mortgage amount.<br />
* Outstanding principle balance for the above calculations is defined as the principle balance of the loan<br />
and may include interest charged by the servicing lender when the payoff is not received on the first day of<br />
the month but may not include delinquent interest, late charges or escrow shortages.</div>
<div style="border: 0px; box-sizing: inherit; font-family: inherit; font-style: inherit; font-weight: inherit; margin-bottom: 1.5em; outline: 0px; padding: 0px; vertical-align: baseline;">
<strong style="border: 0px; box-sizing: inherit; font-family: inherit; font-style: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;">The following changes apply for <a href="http://louisvillemortgageguide.com/2012/09/16/2012-fha-loan-limits-for-kentucky-counties/" style="-webkit-transition: all 0.3s ease; border: 0px; box-sizing: inherit; color: black; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; text-decoration: none; transition: all 0.3s ease; vertical-align: baseline;" title="2012 FHA LOAN LIMITS FOR KENTUCKY COUNTIES">Kentucky FHA Streamline loans </a>with or without appraisal:</strong><br />
A.) Seasoning – At the time of loan application, the borrower must have made at least 6<br />
payments on the FHA-insured mortgage being refinanced.</div>
<div style="border: 0px; box-sizing: inherit; font-family: inherit; font-style: inherit; font-weight: inherit; margin-bottom: 1.5em; outline: 0px; padding: 0px; vertical-align: baseline;">
B.) Payment History – Current mortgage must be 0x30 in the last 12 months or for the life of the loan if loan is < 12 months old and > 6 months old. ) If borrower has less than 12 month history on current loan and has a previous consecutive mortgage, that mortgage must be 0x30 up to the 12 months required.</div>
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C.) Net Tangible Benefit – The lender must determine that there is a net tangible benefit<br />
as a result of the streamline refinance transaction, with or without an appraisal. The<br />
transaction must meet FHA net tangible<br />
benefit.</div>
<div style="border: 0px; box-sizing: inherit; font-family: inherit; font-style: inherit; font-weight: inherit; margin-bottom: 1.5em; outline: 0px; padding: 0px; vertical-align: baseline;">
<strong style="border: 0px; box-sizing: inherit; font-family: inherit; font-style: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;">For FHA Net tangible benefit is defined as:</strong><br />
1.) A reduction in the total mortgage payment (principal, interest, taxes and<br />
insurances, HOA fees, ground rents special assessments and all<br />
subordinate liens): The new total mortgage payment is 5% lower than the<br />
total mortgage payment for the mortgage being refinanced. Example: Total<br />
mortgage payment on the existing FHA mortgage is $895; the total mortgage<br />
payment for the new FHA mortgage must be $850 or less.<br />
2.) Refinancing from an adjustable rate mortgage (ARM) to a fixed rate<br />
mortgage: The interest rate on the new fixed mortgage will be no greater<br />
than 2 percentage points above the current rate of the one-year arm. For<br />
hybrid ARMs, the total mortgage payment on the new fixed rate mortgage may<br />
not increase by more than 20%. Example: total mortgage payment on the<br />
hybrid ARM is $895; the total mortgage payment for the new fixed rate<br />
mortgage must be $1,074 or less.<br />
3.) Reducing the term of the mortgage: For transactions that include a<br />
reduction in the mortgage term, that loan must be underwritten and closed as<br />
a rate and term (no cash-out) refinance transaction.<br />
D.) Employment – Streamline refinances must now include evidence of employment and<br />
include a verbal (must be on 1003).<br />
E.) Assets – If there are any closing cost to be paid at close, verification of funds to close<br />
must be included in the file submission.<br />
F.) The file must also include the pay-off statement.<br />
G.) Maximum Combined Loan to Value –<br />
Kentucky Mortgage guidelines will remain at<br />
125% CLTV.)<br />
• For streamline refinance transactions WITHOUT an appraisal, the CLTV is<br />
based on the original appraised value of the property.<br />
• For streamline refinance transactions WITH an appraisal, the CLTV is based on<br />
the new appraised value. H.)TOTAL Scorecard – Lenders should not use TOTAL on streamline refinance<br />
transactions. If a lender uses TOTAL, that loan must be underwritten and closed<br />
as a rate and term (no cash-out) refinance transaction</div>
<div style="border: 0px; box-sizing: inherit; font-family: inherit; font-style: inherit; font-weight: inherit; margin-bottom: 1.5em; outline: 0px; padding: 0px; vertical-align: baseline;">
If you have any questions regarding this announcement,</div>
<div style="border: 0px; box-sizing: inherit; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;">
Joel Lobb <span style="border: 0px; box-sizing: inherit; color: #3333ff; font-family: inherit; font-style: inherit; font-weight: inherit; margin: 0px; outline: 0px; padding: 0px; vertical-align: baseline;">(NMLS#57916)</span>Senior Loan Officer<br />
502-905-3708 cell<br />
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<h2 style="background-color: white; box-sizing: border-box; color: #283d4b; font-family: "Open Sans", Helvetica, Arial, sans-serif; margin: 0.83em 0px;">
Kentucky FHA Loan Requirements</h2>
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The requirements for Kentucky FHA loans are set by HUD.</div>
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<li style="box-sizing: border-box;">Borrowers must have a steady employment history of the last two years within the same industry or line of work. Recent college graduates can use their transcripts to supplant the 2 year work history rule as long as it makes sense.</li>
<li style="box-sizing: border-box;">Self-Employed will need a 2 year history of tax returns filed with IRS. They will take a 2 year average.</li>
<li style="box-sizing: border-box;">FHA requires a 3.5% down payment. Can be gifted from family member or from retirement savings plan, or money saved-up. Any type of cash deposits are not allowed for down payments. No exceptions to this rule!! This is one of the biggest issues I see in FHA underwriting nowadays.</li>
<li style="box-sizing: border-box;"> FHA loans are for primary residence occupancy. Not rental houses.</li>
<li style="box-sizing: border-box;">Borrowers must have a property appraisal from a FHA-approved appraiser.</li>
<li style="box-sizing: border-box;">Borrowers’ front-end ratio (mortgage payment plus HOA fees, property taxes, mortgage insurance, homeowners insurance) needs to be less than 31 percent of their gross income, typically. You may be able to get approved with as high a percentage as 43 percent. If the Automated Underwriting System gives you an Approved Eligible you can go higher on the debt ratios</li>
<li style="box-sizing: border-box;">Borrowers must have a minimum credit score of 580 for maximum financing with a 3.5% down payment</li>
<li style="box-sizing: border-box;">Borrowers must have a minimum credit score of 500-579 for maximum LTV of 90 percent with a minimum down payment of 10 percent. Most lenders will not go below 620 score, and very few lenders will go to 580 score. It’s best to work on getting your scores up before you apply or work with a loan officer to improve them.</li>
<li style="box-sizing: border-box;">2 years removed from Chapter 7 is required with good pay history after bankruptcy</li>
<li style="box-sizing: border-box;">1 year removed from Chapter 13 is okay with an excellent pay history with the Chapter 13 plan and permission from trustee. You will need to qualify with the Chapter 13 payment along with new house payment. Again, scores will play into your loan pre-approval.</li>
<li style="box-sizing: border-box;">Typically borrowers must be three years out of foreclosure and have re-established good credit. Exceptions can be made if there were extenuating circumstances and you’ve improved your credit. If you were unable to sell your home because you had to move to a new area, this does not qualify as an exception to the three-year foreclosure guideline.</li>
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Max FHA loan in Kentucky is between $275,000 to $299,000 depending on the county in Kentucky<br style="box-sizing: border-box;" />I can answer your questions and usually get you pre-approved the same day.</div>
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<span style="box-sizing: border-box; font-weight: 700;">Call or Text me at 502-905-3708 with your mortgage questions.</span><br style="box-sizing: border-box;" /><span style="box-sizing: border-box; font-weight: 700;">Email Kentuckyloan@gmail.com</span><br style="box-sizing: border-box;" /><a href="http://www.emailmeform.com/builder/form/0bfJs9b6bK8TGoc6mQk9hIu" style="box-sizing: border-box; color: #a65925; text-decoration: none; transition: all 0.3s ease-in-out;" target="_blank"><br style="box-sizing: border-box;" /></a><a href="http://www.emailmeform.com/builder/form/0bfJs9b6bK8TGoc6mQk9hIu" style="box-sizing: border-box; color: #a65925; text-decoration: none; transition: all 0.3s ease-in-out;" target="_blank"><br style="box-sizing: border-box;" /></a><div style="box-sizing: border-box; margin-bottom: 1em; margin-top: 1em;">
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Joel Lobb<br style="box-sizing: border-box;" />Senior Loan Officer</div>
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(NMLS#57916)</div>
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<a href="https://www.google.com/maps/dir//10602+Timberwood+Cir+%233,+Louisville,+KY+40223/@38.2346835,-85.60917,13z/data=!3m1!4b1!4m8!4m7!1m0!1m5!1m1!1s0x88699f89c7089369:0x401ec73c7c105de0!2m2!1d-85.5748372!2d38.2346885" style="box-sizing: border-box; color: #a65925; text-decoration: none; transition: all 0.3s ease-in-out;" target="_blank">American Mortgage Solutions, Inc.</a></div>
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<a href="https://www.google.com/maps/dir//10602+Timberwood+Cir+%233,+Louisville,+KY+40223/@38.2346835,-85.60917,13z/data=!3m1!4b1!4m8!4m7!1m0!1m5!1m1!1s0x88699f89c7089369:0x401ec73c7c105de0!2m2!1d-85.5748372!2d38.2346885" style="box-sizing: border-box; color: #a65925; text-decoration: none; transition: all 0.3s ease-in-out;" target="_blank">10602 Timberwood Circle, Suite 3</a></div>
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<a href="https://www.google.com/maps/dir//10602+Timberwood+Cir+%233,+Louisville,+KY+40223/@38.2346835,-85.60917,13z/data=!3m1!4b1!4m8!4m7!1m0!1m5!1m1!1s0x88699f89c7089369:0x401ec73c7c105de0!2m2!1d-85.5748372!2d38.2346885" style="box-sizing: border-box; color: #a65925; text-decoration: none; transition: all 0.3s ease-in-out;" target="_blank">Louisville, KY 40223</a></div>
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<span style="box-sizing: border-box; font-weight: 700;">text or call my phone: <a href="https://www.blogger.com/null" style="box-sizing: border-box; color: #a65925; text-decoration: none; transition: all 0.3s ease-in-out;" target="_blank">(502) 905-3708</a></span><br style="box-sizing: border-box;" /><span style="box-sizing: border-box; font-weight: 700;">email me at <a href="mailto:kentuckyloan@gmail.com" style="box-sizing: border-box; color: #a65925; text-decoration: none; transition: all 0.3s ease-in-out;" target="_blank">kentuckyloan@gmail.com</a></span></div>
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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. NMLS ID# 57916, (<a href="http://teammovemortgage.us11.list-manage1.com/track/click?u=bc4f78ba2a7eaf90947e82e01&id=edeeffae33&e=05a7746dc0" style="box-sizing: border-box; color: #a65925; text-decoration: none; transition: all 0.3s ease-in-out;" target="_blank">www.nmlsconsumeraccess.org</a>). Mortgage loans only offered in Kentucky.</div>
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All loans and lines are subject to credit approval, verification, and collateral evaluation and are originated by lender. Products and interest rates are subject to change without notice. Manufactured and mobile homes are not eligible as collateral.</div>
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<a border="0" href="https://kentuckyfhaloan.wordpress.com/2016/12/22/what-are-the-kentucky-fha-credit-score-requirements-for-2017-mortgage-loan-approvals/credit-history-definition/#main" style="background: transparent; border: none; box-sizing: border-box; margin: 0px; padding: 0px; text-decoration: none; transition: all 0.3s ease-in-out; width: auto;"><img alt="Definition of Credit history highlighted in green with text marker." data-attachment-id="1444" data-comments-opened="1" data-image-description="" data-image-meta="{"aperture":"0","credit":"","camera":"Canon EOS 5D Mark II","caption":"Definition of Credit history highlighted in green with text marker.","created_timestamp":"0","copyright":"Bigstock","focal_length":"0","iso":"0","shutter_speed":"0","title":"Credit History Definition","orientation":"1"}" data-image-title="Credit History Definition" data-large-file="https://kentuckyfhaloan.files.wordpress.com/2016/12/fico-score-vs-credit-score.jpg?w=600" data-medium-file="https://kentuckyfhaloan.files.wordpress.com/2016/12/fico-score-vs-credit-score.jpg?w=300" data-orig-file="https://kentuckyfhaloan.files.wordpress.com/2016/12/fico-score-vs-credit-score.jpg" data-orig-size="600,315" data-original-height="203" data-original-width="386" height="203" src="https://kentuckyfhaloan.files.wordpress.com/2016/12/fico-score-vs-credit-score.jpg?w=386&h=203&crop=1" style="background: none; border: none; box-shadow: none; box-sizing: border-box; height: 203px; margin: 2px !important; max-width: 100%; padding: 0px; vertical-align: middle; width: 386px;" title="Credit History Definition" width="386" /></a></div>
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Getting a <a href="http://kentuckyfirsttimehomebuyer.blogspot.com/search/label/fha" style="box-sizing: border-box; color: #a65925; text-decoration: none; transition: all 0.3s ease-in-out;">FHA loan in Kentucky</a> in 2017 you will be confronted with minimum credit score requirements set forth by FHA and the lender. Even though FHA will insure the mortgage loan at a certain credit score, you will see that lenders will create “credit-overlays” to protect their risk and ask for a higher credit score.</div>
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So keep in mind when you are getting a FHA loan in 2017, some lenders will have higher credit score minimums in addition to the FHA Mortgage Insurance program.</div>
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For a <a href="http://www.mylouisvillekentuckymortgage.com/search/label/FHA" style="box-sizing: border-box; color: #a65925; text-decoration: none; transition: all 0.3s ease-in-out;">Kentucky Home buyer</a> wanting to purchase a home or refinance their existing FHA loan, FHA requires a 3.5% down payment and the borrower must have a 580 FICO Credit Score. If the score is below 580, then you would need 10% down and still qualify on a manual underwrite.</div>
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You must have a FICO score of at least 500 to be eligible for an Kentucky FHA loan. If your FICO score is from 500 to 579, your down payment on the loan is 10 percent of the loan.</div>
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If your FICO score is 580 or higher, your down payment is only 3.5 percent. If your credit score is less than 580, it may be more cost effective to take the necessary steps to improve your score before taking out the loan, rather than putting the money into a larger down payment.</div>
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How do they get the credit score: There are three main credit bureaus in the US. Equifax, Experian, and Transunion. The three scores vary but should be relativley close as long as the same creditors are reporting to the same bureaus.</div>
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You will get a variation in the scores due to all creditors or collection companies don’t report to all three bureaus. This is why they take the mid score. So if you have a 590 experian, 680 equifax, and 620 transunion, your qualifying credit score would be 620</div>
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Based on my experience with lenders that I deal with in<a href="http://www.mylouisvillekentuckymortgage.com/search/label/FHA" style="box-sizing: border-box; color: #a65925; text-decoration: none; transition: all 0.3s ease-in-out;"> Kentucky on FHA loans</a>, most lenders require 620 middle credit score for consideration for loan approval.</div>
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How do they get the score: They take the mid score, so if you have a 590 experian, 680 equifax, and 620 transunion, your qualifying score would be 620.</div>
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<img alt="home-loan-with-low-credit-scores-150x128" class=" wp-image-1498 aligncenter" data-attachment-id="1498" data-comments-opened="1" data-image-description="" data-image-meta="{"aperture":"0","credit":"","camera":"","caption":"","created_timestamp":"0","copyright":"","focal_length":"0","iso":"0","shutter_speed":"0","title":"","orientation":"0"}" data-image-title="home-loan-with-low-credit-scores-150×128" data-large-file="https://kentuckyfhaloan.files.wordpress.com/2016/12/home-loan-with-low-credit-scores-150x128.jpg?w=285&h=243?w=150" data-medium-file="https://kentuckyfhaloan.files.wordpress.com/2016/12/home-loan-with-low-credit-scores-150x128.jpg?w=285&h=243?w=150" data-orig-file="https://kentuckyfhaloan.files.wordpress.com/2016/12/home-loan-with-low-credit-scores-150x128.jpg?w=285&h=243" data-orig-size="150,128" data-permalink="https://kentuckyfhaloan.wordpress.com/2016/12/22/what-are-the-kentucky-fha-credit-score-requirements-for-2017-mortgage-loan-approvals/home-loan-with-low-credit-scores-150x128/#main" data-pin-nopin="true" height="243" src="https://kentuckyfhaloan.files.wordpress.com/2016/12/home-loan-with-low-credit-scores-150x128.jpg?w=285&h=243" style="border: 0px; box-sizing: border-box; clear: both; display: block; height: auto; margin: 0px auto; max-width: 100%; vertical-align: middle;" width="285" /></div>
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<a href="http://kentuckyfirsttimehomebuyer.blogspot.com/2016/12/how-much-money-do-i-need-to-buy-home-in.html?spref=bl" style="box-sizing: border-box; color: #a65925; text-decoration: none; transition: all 0.3s ease-in-out;">Kentucky FHA Loans with less than 620 Score</a></h2>
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If your score is below 620, a manual underwrite is where the AUS (Automated Underwriting System) refers your loan to an human being, and they look at the entire file to see if they can overturn and approve the mortgage loan because the Desktop Underwriting Automated Software could not approve you.</div>
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With scores below 620, they typically will want to verify your rent history, have no bankruptcies in last two years, and no foreclosures in the last 3 years.</div>
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If you have had any lates since the bankruptcy this will probably result in a denial on a refer manual underwrite file.</div>
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Your max house payment will be set at 31% of your gross monthly income, and your new house payment plus the bills you are paying on the credit report cannot be more than 43%.</div>
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Typically, on scores below 620 for FHA loans, they will also look at reserves or money you have saved-up after the loan is made to try and qualify you. For example, if you have a 401k or savings account that have at least 4 months reserves (take your mortgage payment x 4) and this would equal your reserves. They look at this as a rainy day fund and could help you keep up on your bills if you were unemployed or could not work.</div>
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Maximum <a href="http://www.mylouisvillekentuckymortgage.com/search/label/FHA" style="box-sizing: border-box; color: #a65925; text-decoration: none; transition: all 0.3s ease-in-out;">FHA loan limits in Kentucky </a>are set around $285,000 and below.</div>
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If you are looking to take a FHA loan in 2017 to buy or refinance a home in Kentucky, please contact me below with your questions about the credit score requirements and how they affect your loan approval.</div>
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<a href="https://kentuckyfhaloan.wordpress.com/category/100-down-fha-program/" rel="category tag" style="background-color: white; box-sizing: border-box; color: #a65925; font-family: "Open Sans", Helvetica, Arial, sans-serif; font-size: 14px; text-decoration: none; transition: all 0.3s ease-in-out;">$100 down FHA program</a><span style="background-color: white; color: #444444; font-family: "Open Sans", Helvetica, Arial, sans-serif; font-size: 14px;">, </span><a href="https://kentuckyfhaloan.wordpress.com/category/2017-fha-loan-limits-ky/" rel="category tag" style="background-color: white; box-sizing: border-box; color: #a65925; font-family: "Open Sans", Helvetica, Arial, sans-serif; font-size: 14px; text-decoration: none; transition: all 0.3s ease-in-out;">2017 FHA Loan Limits KY</a><span style="background-color: white; color: #444444; font-family: "Open Sans", Helvetica, Arial, sans-serif; font-size: 14px;">, </span><a href="https://kentuckyfhaloan.wordpress.com/category/500-credit-score-fha-loan/" rel="category tag" style="background-color: white; 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<span itemprop='name'>Joel Lobb, Mortgage Broker FHA, VA, KHC, USDA</span>
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<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>
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<a href='https://www.mylouisvillekentuckymortgage.com/2013/09/kentucky-va-loans-cash-out-requirements.html'>Kentucky VA Loans Cash Out Requirements on a VA refinance</a>
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<span style="margin-left: 1em; margin-right: 1em;"><a href="http://www.emailmeform.com/builder/form/0bfJs9b6bK8TGoc6mQk9hIu"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjgndl5i9rvU2kRRaEoLxXHBymv5BCyUPEjOEVX3HGqbzDBsnnFlTfXCXPjpILfUD6WaV6iUuBkhlQhp-ahNsnCB9q7yEhfNgTjZKQ3X6Y07TVeLbJG3SzQyAMjwbnFPhRtlTw2IVqgz3wj/s1600/apply-now+(2).png" /></a></span></div>
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<span style="font-size: large;"><span style="color: #0054a4; font-size: large;"><a href="http://www.emailmeform.com/builder/form/0bfJs9b6bK8TGoc6mQk9hIu"><br /></a></span></span></div>
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<span style="font-size: large;"><span style="color: #0054a4; font-size: large;"><a href="http://www.emailmeform.com/builder/form/0bfJs9b6bK8TGoc6mQk9hIu"><br /></a><span style="color: black; font-size: medium;">Effective for new Kentucky VA loans on or after Monday, September 30th 2013</span></span></span></div>
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<blockquote>
<span style="color: #0054a4;"><span style="font-size: medium;"><b><span style="color: #0054a4;">Kentucky VA Mortgage Loan Full Documentation
Cash-Out:</span></b></span></span></blockquote>
<span style="color: #0054a4;">
</span>
<br />
<blockquote>
<ul>
<li><span style="background-color: yellow;"><span style="color: black; font-size: small;">Primary Residence Only</span>
</span></li>
<li><span style="background-color: yellow;"><span style="color: black; font-size: small;">Maximum 100% LTV (plus funding fee)<span style="font-size: small;">.
</span>Includes debt consolidation and cash in hand</span>
</span></li>
<li><span style="background-color: yellow;"><span style="font-size: x-small;"><span style="color: black; font-size: small;">Maximum 100% LTV (plus funding fee)
permitted when solely used to pay off existing liens on subject property - not
to exceed $500 cash-back to borrower at closing</span></span>
</span></li>
<li><span style="font-size: x-small;"><span style="color: black; font-size: small;"><span style="background-color: yellow; font-size: small;">A 580 <span style="font-size: small;">minimum <span style="font-size: small;"><span style="font-size: small;">credit score</span> is required for
<span style="font-size: small;">all<span style="font-size: small;"> Cash-Out <span style="font-size: small;">transactions exceeding 90%
LTV (plus funding
fee)</span></span></span></span></span></span></span></span></li>
</ul>
</blockquote>
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<br />
<div style="box-sizing: border-box; font-family: sans-serif; font-size: medium; margin-bottom: 24px; padding: 0px;">
The 2019 Basic Allowance for Housing (BAH) rate increase is currently proposed at 2.9% according to the Department of Defense’s <a href="https://militarybenefits.info/2019-defense-budget/" style="border: 0px; box-sizing: border-box; color: #222222; font: inherit; margin: 0px; padding: 0px; text-decoration-line: none; transition: all 0.1s ease-in-out 0s; vertical-align: baseline;">FY2019 Defense Budget</a>. The January 1, 2018, and January 1, 2019, average BAH inflation rate assumptions are respectively, 1.7 percent and 2.9 percent on average, reflecting the Department’s move to slow the growth of pay and benefits.</div>
<div style="box-sizing: border-box; font-family: sans-serif; font-size: medium; margin-bottom: 24px; padding: 0px;">
The 2019 BAH increase will be effective on January 1, 2019, and service members would see their first increase in their January 15th, 2019 pay. The actual BAH increase will always vary by area.</div>
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<br />
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<span style="color: black; font-size: small;"><span style="font-size: small;"><span style="color: #0054a4; font-size: medium;">For </span><span style="font-size: small;"><span style="font-size: small;"><span style="font-size: medium;"><span style="color: #0054a4;"> Information:</span></span><span style="font-size: small;"><span style="color: #0054a4; font-size: medium;"><span style="color: #0054a4;"><span style="font-size: medium;"><span style="color: #0054a4;"><span style="font-size: medium;">Visit </span></span>o</span></span>ur Website at <a href="http://www.kentuckyvaloan.com/">www.kentuckyvaloan.com</a></span></span></span></span></span></span></div>
</blockquote>
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<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>
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Joel Lobb, Mortgage Broker FHA, VA, KHC, USDA
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<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>
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<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>
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<li>
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<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>
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<h2 class='title'>📞 Call/Text - 502-905-3708</h2>
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<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>
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</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>
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</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 2025 Guide ...
</p>
</div>
<style type='text/css'>
.image {
width: 100%;
}
</style>
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</div><div class='widget PopularPosts' data-version='1' id='PopularPosts2'>
<h2>Popular Posts</h2>
<div class='widget-content popular-posts'>
<ul>
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<div class='item-snippet'> How to Get Approved for a Mortgage Loan in Kentucky | FHA, VA, USDA & KHC 2025 Guide ...</div>
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</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>
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<div class='item-snippet'>Credit Repair Tips for Kentucky Homebuyers If you’re looking to buy a home in Kentucky, having a solid credit score is essential for qualify...</div>
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<div class='item-snippet'>Understanding the Four Main Mortgage Loan Programs in Kentucky When securing a mortgage loan in Kentucky, your loan will likely be backed by...</div>
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<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>
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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.<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>
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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.
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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.
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1 - 📅 Email - kentuckyloan@gmail.com
2. 📞 Call/Text - 502-905-3708
Joel Lobb
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Licensing Info: Kentucky Mortgage Loan Only
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www.nmlsconsumeracces.org
Equal Housing Lender
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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.
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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.
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