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Showing posts with the label chapter 7
Every Kentucky Loan Type. One Local Expert.
Whether you’re buying your first home, using down payment assistance, or rebuilding credit — there’s a program that fits. Compare them side by side before you commit.

🏠 FHA Loan

The go-to for first-time buyers and 580+ credit. Low down payment and flexible guidelines.

3.5% down · 580+ creditLearn More →

🎖 VA Loan

Zero down and no monthly mortgage insurance for veterans and active-duty service members.

$0 down · VA eligibleLearn More →

🌾 USDA Loan

100% financing for eligible rural and suburban Kentucky buyers within income limits.

$0 down · USDA areasLearn More →

🏛 KHC Assistance

Kentucky Housing down payment assistance for first-time and repeat buyers.

Up to $12,500 assistanceLearn More →

📈 Conventional

Best long-term value for stronger credit. PMI cancels at 20% equity, unlike FHA.

3% down · 620+ creditLearn More →

💰 Zero Down Options

Every route to buying with nothing down in Kentucky — VA, USDA, and KHC combos.

$0 down programsLearn More →

🌟 First-Time Buyers

All Kentucky first-time homebuyer programs compared in plain English.

Programs & grantsLearn More →

📊 Credit Scores

What score you actually need for each loan type in 2026 — and how to raise yours.

By loan programLearn More →

Kentucky Home Inspection vs. Appraisal: Key Differences

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By Joel Lobb, Mortgage Loan Officer · NMLS #57916 · Updated September 12, 2026 The difference between a Kentucky home inspection and a Kentucky appraisal is their purpose: an inspection evaluates the home's condition, while an appraisal estimates its market value for the mortgage process. One does not replace the other. A homebuyer's two questions: What needs attention, and what is the property worth? Buying in Louisville, Lexington, Bowling Green, or elsewhere in Kentucky? Before paying for inspections and appraisal services, understand who orders each report, what it covers, and how the results may affect your purchase. In this guide Comparison Inspection checklist Appraisal process Costs and timing Video FAQs Kentucky home inspection vs. appraisal: the difference HOME INSPECTION Condition What needs attention? Roof · Foundation · Plumbing Electrical · Heating and cooling Usually arranged by: the buyer Result: an inspection report Next step: review repairs and f...
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Getting a Kentucky Mortgage in 3 Simple Steps
No confusing paperwork trails. No surprise fees. A clear path from first call to keys in hand.
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💬 Get Pre-Qualified

Free application review with same-day answers. We look at your credit, income, and goals — no cost, no obligation, no pressure.

02

📋 Compare Your Options

FHA vs. Conventional vs. USDA vs. KHC — run side by side with your actual numbers so you see the real payment before you commit.

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🏠 Close & Get Your Keys

Guided from contract to closing — appraisal, title, and underwriting coordinated so you always know what happens next.

Watch: Kentucky Mortgage Guides
Straight answers from my YouTube channel — no jargon, no sales pitch.
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Joel Lobb and family - Kentucky mortgage loan officer
Kentucky Local. Not a Call Center.

Hi, I’m Joel Lobb — a Kentucky dad who’s spent 20+ years helping families across all 120 counties buy their first home. When you call, you get me — not a phone tree. Questions on a Saturday morning? I answer.

1,300+ Kentucky families have trusted me with their mortgage — from Louisville to Lexington to the smallest towns in the state. Free application reviews, same-day pre-approvals, and honest answers about what you actually qualify for.

See What You Qualify For →

How To Get Approved for A Kentucky FHA, VA, USDA, Mortgage Home Loan After A Bankruptcy?

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How to Get a Kentucky Mortgage After Bankruptcy — FHA, VA, USDA & KHC Guide (2025) Bankruptcy doesn't close the door on homeownership — it just changes the timeline. With the right plan, Kentucky buyers can qualify for an FHA, VA, USDA, or KHC mortgage loan sooner than you might think. This guide covers exact waiting periods, credit rebuilding steps, and how local down payment assistance can help. Kentucky Mortgage After Bankruptcy — Waiting Periods by Loan Type FHA Ch. 7 — 2 years Ch. 13 — 12 months VA Ch. 7 2 years or Chapter 13 — 12 months USDA Ch. 7 2 years or Chapter 13 — 12 months Conv. Ch. 7 — 4-7 yrs  |  Ch. 13 — 4 yrs Discharge date 1 year 2 years 3 years 4 years ...
Location: 10602 Timberwood Cir #3, Louisville, KY 40223, USA
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Kentucky Bankruptcy Guidelines for Kentucky Conventional & Kentucky FHA Mortgage Loans

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Can You Get a Mortgage After Bankruptcy in Kentucky? (2025 Guide) Kentucky Mortgage Guide Can You Get a Mortgage After Bankruptcy in Kentucky? The complete guide to FHA , Conventional, VA & USDA waiting periods — plus how to use KHC down payment assistance after Chapter 7 or Chapter 13 . By Joel Lobb — Kentucky Mortgage Loan Officer NMLS #57916  ·  20+ Years Experience Yes — bankruptcy does not permanently disqualify you from buying a home in Kentucky. Thousands of Kentucky families have purchased homes after Chapter 7 or Chapter 13 bankruptcy. The key is knowing the right waiting periods and which loan program fits your situation. This guide breaks down exactly what you need to qualify — including FHA, Conventional (Fannie Mae), VA, and USDA guidelines — so you can plan your road back to homeownership with confidence. How Long After Bankruptcy Can You Get a Mortg...
Location: 10602 Timberwood Cir #3, Louisville, KY 40223, USA
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Bankruptcy Mortgage Loans in Kentucky | FHA, VA, USDA & Conventional Guidelines for Chapter 7 & 13

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Bankruptcy Mortgage Loans in Kentucky | FHA, VA, USDA & Conventional Guidelines for Chapter 7 & 13 Looking for a mortgage loan in Kentucky after bankruptcy? Whether you’ve filed Chapter 7 or Chapter 13, you may still qualify for FHA, VA, USDA, or Conventional (Fannie Mae) loans. In this video, Joel Lobb, Kentucky Mortgage Expert with EVO Mortgage, breaks down the waiting periods, loan program requirements, and real options available to Kentucky homebuyers — even after bankruptcy. ✅ FHA – 2 years after Chapter 7, 1 year into Chapter 13 ✅ VA – 2 years after Chapter 7, 1 year into Chapter 13 ✅ USDA – 3 years after Chapter 7, 1 year into Chapter 13 ✅ Conventional – 4+ years depending on discharge or dismissal 🏡 Serving all of Kentucky including Louisville, Lexington, Owensboro, Bowling Green, and rural counties. 📞 Call/Text: (502) 905-3708 📧 Email: kentuckyloan@gmail.com 🔗 Learn more: MyLouisvilleKentuckyMortgage.com Equal Housing Lender | NMLS 57916 | EVO Mortgage NMLS 17...
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Can you buy a house in Kentucky with Bad Credit?

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Buying A House with Bad Credit in Kentucky When in comes to buying a house in Kentucky and getting approved for a mortgage loan a lot of buyers will have to confront their past credit issues. Credit, along with income, work history, and assets determine if you qualify for a mortgage loan.  Below I will address the main issues you have to address when it comes to getting approved for a mortgage with past credit problems.   Mortgage late payments: One late payment in the last 12 months is permitted so long as it can be explained and fully documented if necessary. • Foreclosure: Thirty-six months from the date of the foreclosure until eligibility to repurchase using the 3.5 percent down payment FHA Loan, 48 months for VA Loans (no money down required), seven years no matter the down payment on a conventional type. • Short sale : Thirty-six months from the date of the short sale until eligibility to repurchase using the 3.5 percent down payment FHA Loan, 24 months with the...
Location: Goshen, KY 40026, USA
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