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Showing posts with the label fha streamline refinance louisville kentucky

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 →

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.

💬 Get Pre-Qualified

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

📋 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.

🏠 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.

▶ More videos on my YouTube channel →

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 →

Cash Out Refinance seasoning requirement on Kentucky Mortgage Loans

- February 28, 2023

Cash Out seasoning requirement on Kentucky Mortgage Loans for FHA, VA, Fannie Mae Did you know that Freddie Mac is making a change to their Cash Out seasoning requirement effective March, 7 2023? 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 cash out seasoning requirements and let us know if you have any questions. FNMA: 6 months FHLMC: 12 months (Effective 3/7/2023) Kentucky FHA Mortgage Loan: 12 months Kentucky VA Mortgage Loans: 2 10 days/6 months

KENTUCKY FHA STREAMLINE REFINANCE TRANSACTIONS.

- February 02, 2015

Fill out my form! KENTUCKY FHA STREAMLINE REFINANCE TRANSACTIONS. fha streamline refinance louisville kentucky 502-905-3708 for your free FHA Mortgage Prequalification In order to be in compliance with HUD Mortgagee Letter 2009-32, the following changes to Kentucky FHA Streamline Refinances will be effective for new case numbers assigned **** Revised Streamline Refinance Transactions WITHOUT an Appraisal **** The maximum insurable mortgage cannot exceed: • The outstanding principal balance* (from payoff) minus the applicable refund of the UFMIP, PLUS • The new UFMIP that will be charged on the refinance. **Closing cost cannot be included in the new maximum loan amount. ****Revised Streamline Transaction WITH an Appraisal**** The maximum insurable mortgage is the lower of: 1) Outstanding principal balance* minus the applicable refund of UFMIP, plus closing costs, prepaid items to establish the escrow account and the new UFMIP t...

Kentucky FHA Streamline Refinance No Appraisal

- August 27, 2012

Kentucky FHA loans Kentucky FHA loans have always been a great alternative for people who don’t quite qualify for Conventional financing. The guidelines are more forgiving allowing for smaller down payments , higher debt to income ratios, some credit issues, and more sources for the down payment . The great thing is that the interest rate is only slightly higher than a conventional loan . Sometimes the interest rate is actually lower. Remember this! IF you go to a Kentucky Mortgage Broker or a Bank and the rate quoted is exceptionally higher, they are charging you too much. Call around for quotes. You will usually get a better rate from a Kentucky Mortgagebroker. Posted by Louisville Kentucky Mortgage Advantages: Kentucky FHA loans are not as strict on credit scoring . We can go down to a 640 credit score with compensating factors and if it makes sense. H...

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