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

I specialize in Kentucky First Time Homebuyers FHA, VA, USDA & Rural Housing, KHC and Fannie Mae mortgage loans. I have helped over 900 Kentucky families buy their first home and refinance their current mortgage for a lower rate; Kentucky First time buyers $0 down still available with down payment assistance with KHC. Free Mortgage applications same day approvals. Web site is not endorsed by the FHA, VA, USDA govt agency. Text/call 502-905-3708 kentuckyloan@gmail.com NMLS 57916 NMLS ID 1364

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  • Credit Scores Required For A Kentucky Mortgage Loan Approval in 2022
  • Down Payment Assistance Kentucky 2022 Kentucky Housing Corporation KHC
  • Kentucky First-time Home Buyer Programs
  • Kentucky FHA Mortgage Information
  • Kentucky VA Mortgage Loan Information
  • USDA Rural Housing Kentucky Loan Information
  • Zero Down Kentucky Mortgages
  • First-time Home-buyers in Kentucky
  • Documents Needed Mortgage Approval in Kentucky
  • 4 Things Required for a KY Mortgage Loan Approval
  • Free Credit Score Booklet
  • Do's & Dont's before closing:
  • Closing Costs Kentucky Mortgage
  • Lock Kentucky Mortgage Loan Rate
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Kentucky Rural Housing and USDA Property Eligibility County List Map for Eligible Properties


Kentucky USDA Rural Housing Property Eligibility  County List Map for Eligible Properties 





USDA Property Eligibility Text Description County List for Kentucky




Kentucky USDA Property Eligibility

enter address below:


πŸ‘‡πŸ‘‡πŸ‘‡πŸ‘‡



Kentucky Rural Housing USDA Loans






A full list of income limits by county and household size are available on the Rural Development website at www.rd.usda.gov/ne under the Guarantee Loan Program and Direct Loan programs. 



USDA Property Eligibility Text Description County List for Kentucky

Select your county from the list below (Non-hyperlinked counties are all eligible).

USDA Property Eligibility Text Description County List for Kentucky



Select your county from the list below (Non-hyperlinked counties are all eligible).






  1. Adair

  2. Allen
  3. Anderson
  4. Ballard
  5. Barren
  6. Bath
  7. Bell
  8. Boone
  9. Bourbon
  10. Boyd
  11. Boyle
  12. Bracken
  13. Breathitt
  14. Breckinridge
  15. Bullitt
  16. Butler
  17. Caldwell
  18. Calloway
  19. Campbell
  20. Carlisle
  21. Carroll
  22. Carter
  23. Casey
  24. Christian
  25. Clark
  26. Clay
  27. Clinton
  28. Crittenden
  29. Cumberland
  30. Daviess
  31. Edmonson
  32. Elliott
  33. Estill
  34. Fayette (county is completely ineligible)
  35. Fleming
  36. Floyd
  37. Franklin
  38. Fulton
  39. Gallatin
  40. Garrard
  41. Grant
  42. Graves
  43. Grayson
  44. Green
  45. Greenup
  46. Hancock
  47. Hardin
  48. Harlan
  49. Harrison
  50. Hart
  51. Henderson
  52. Henry
  53. Hickman
  54. Hopkins
  55. Jackson
  56. Jefferson (county is completely ineligible)
  57. Jessamine
  58. Johnson
  59. Kenton
  60. Knott
  61. Knox
  62. Larue
  63. Laurel
  64. Lawrence
  65. Lee
  66. Leslie
  67. Letcher
  68. Lewis
  69. Lincoln
  70. Livingston
  71. Logan
  72. Lyon
  73. McCracken
  74. McCreary
  75. McLean
  76. Madison
  77. Magoffin
  78. Marion
  79. Marshall
  80. Martin
  81. Mason
  82. Meade
  83. Menifee
  84. Mercer
  85. Metcalfe
  86. Monroe
  87. Montgomery
  88. Morgan
  89. Muhlenberg
  90. Nelson
  91. Nicholas
  92. Ohio
  93. Oldham
  94. Owen
  95. Owsley
  96. Pendleton
  97. Perry
  98. Pike
  99. Powell
  100. Pulaski
  101. Robertson
  102. Rockcastle
  103. Rowan
  104. Russell
  105. Scott
  106. Shelby
  107. Simpson
  108. Spencer
  109. Taylor
  110. Todd
  111. Trigg
  112. Trimble
  113. Union
  114. Warren
  115. Washington
  116. Wayne
  117. Webster
  118. Whitley
  119. Wolfe
  120. Woodford






Joel Lobb (NMLS#57916)
Senior  Loan Officer

American Mortgage Solutions, Inc.
 800 Stone Creek Pkwy, Ste 7,
Louisville, KY 40223
(: (502) 905-3708 | 7 Fax: (502) 327-9119|
 Company ID #1364 | MB73346
http://mylouisvillekentuckymortgage.com






Fill out my form!
Posted by Joel Lobb, Mortgage Broker FHA, VA, KHC, USDA
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Kentucky Conventional Loan Limits for Fannie Mae Loans, FHA and VA Mortgages for 2022


General Loan Limits for 2022 Mortgage Loans in Kentucky for FHA, VA, and Conventional Home Loans




Maximum Loan Limits for 2022 – Kentucky Conventional and Kentucky FHA Programs




Kentucky CONVENTIONAL Mortgage Loans Limits for 2022

The Federal Housing Finance Agency (FHFA) has issued the following maximum first mortgage loan limits that will apply to conventional loans for acquisition by Fannie Mae / Freddie Mac with a note date on and after January 1, 2022.

2022 Conventional Loan Limits
UnitsConforming Amount – Kentucky i
One$647,200
Two$828,200
Three$1,001,650
Four$1,244,850

Kentucky FHA Loans Maximum Loan Limits for 2022

For calendar year 2022, the Department of Housing and Urban Development (HUD) announced the following maximum first mortgage loan limits that will apply to Kentucky FHA loans with case numbers assigned on and after January 1, 2022 through December 31, 2022:

2022 Kentucky FHA Loan Limits
UnitsKentucky FHA Loan Limits for 2022

One$420,680

Two$538,650
Three$651,050

Four$809,150

Please Note: These new limits apply to FHA loans with case numbers assigned on and after January 1, 2022 through December 31, 2022. 


Although VA guaranteed loans do not have a maximum dollar amount, lenders who sell their VA loans in the secondary market must limit the size of those loans to the maximums prescribed by GNMA (Ginnie Mae) which are listed below.










Joel Lobb (NMLS#57916)
Senior Loan Officer



American Mortgage Solutions, Inc.


10602 Timberwood Circle Suite 3


Louisville, KY 40223


Company ID #1364 | MB73346


Text/call 502-905-3708

kentuckyloan@gmail.com



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/
Posted by Joel Lobb, Mortgage Broker FHA, VA, KHC, USDA
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Louisville Kentucky Mortgage Lender for FHA, VA, KHC, USDA and Rural Housing Kentucky Mortgage: Kentucky First Time Home Buyer Programs

Louisville Kentucky Mortgage Lender for FHA, VA, KHC, USDA and Rural Housing Kentucky Mortgage: Kentucky First Time Home Buyer Programs: What home loan programs are available to first time home buyers in Kentucky?  1. FHA Loans in Kentucky I do not have a lot of mo...
Posted by Joel Lobb, Mortgage Broker FHA, VA, KHC, USDA
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Louisville Kentucky Mortgage Lender for FHA, VA, KHC, USDA and Rural Housing Kentucky Mortgage: WHAT IS THE MINIMUM CREDIT SCORE FOR A KENTUCKY FH...

Louisville Kentucky Mortgage Lender for FHA, VA, KHC, USDA and Rural Housing Kentucky Mortgage: WHAT IS THE MINIMUM CREDIT SCORE FOR A KENTUCKY FH...: Kentucky FHA Mortgage Credit Score Requirements. FHA is introducing new guidelines on loan to value ratios and the minimum credit sco...
Posted by Joel Lobb, Mortgage Broker FHA, VA, KHC, USDA
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Louisville Kentucky VA Home Loan Mortgage Lender: Tips on getting a Kentucky VA Mortgage Guidelines ...

Louisville Kentucky VA Home Loan Mortgage Lender: Tips on getting a Kentucky VA Mortgage Guidelines ...: Getting  your Louisville  Kentucky VA  Loan  Approval Run a 25-year loan if you are not getting an approval with a 30-year. Even with higher...



Run a 25-year loan if you are not getting an approval with a 30-year. Even with
higher ratios, 25-year loans are considered lower risk and can be key to getting
an Approve Eligible
• You can do a VA IRRRL on a property that the veteran no longer lives in
• Payoff debts at closing with seller concessions. When writing the offer, this
information goes in the “under additional provisions or other terms” section
• No seasoning requirement for being added to the title (No flip rule)
• Only type of loan where an SAR Underwriter can adjust the value after a
secondary review in Tidewater with a request from the borrower. That gives us
two chances to increase the value if it comes in under.
• You can have more than one at the same time.
• If the DD-214 is a Dishonorable Discharge, the Veteran can re-apply and get their
benefits reinstated and then buy their home. (Apply to the BCMR to upgrade on
basis of clemency)
• No max loan amount & no max amount of closing costs a seller can pay.
• Time of service requirements can be appealed if they are discharged due to a
service-related disability
• Student loans in deferred status that go by old guidelines can be omitted.
• Disputes do not need to be removed to qualify. This is a good trick if you need a
couple extra points. (Disputing collections)
• Time of service requirements can be appealed if they are discharged due to a
service-related disability.
• LP is generally nicer to VA Loans that have derogatory trade lines




Mortgage Application Checklist of Documents Needed below  πŸ‘‡

W-2 forms (previous 2 years)
Paycheck stubs (last 30 days - most current)
Employer name and address (2 year history including any gaps)
Bank accounts statement (recent 2 months – all pages
Statements for 401(k)s, stocks and other investments (most recent)
federal tax returns (previous 2 years)
Residency history (2 year history)
Photo identification for applicant and co-applicant (valid Driver’s License





click on link for mortgage pre-approval


Joel Lobb (NMLS#57916)


Senior Loan Officer

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


Company ID #1364 | MB73346

Text/call 502-905-3708


kentuckyloan@gmail.com



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/


NMLS Consumer Access for Joel Lobb 

Accessibility for Website 

Privacy Policy

Posted by Joel Lobb, Mortgage Broker FHA, VA, KHC, USDA
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Kentucky Mortgage: USDA Rural Housing Kentucky Loan Information

Louisville Kentucky Mortgage Lender for FHA, VA, KHC, USDA and Rural Housing Kentucky Mortgage: USDA Rural Housing Kentucky Loan Information: A Kentucky USDA home loan is a zero-dollar-down mortgage option provided by USDA’s Department of Rural Development. This government-...
Posted by Joel Lobb, Mortgage Broker FHA, VA, KHC, USDA
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FHA Publishes Updates to Handbook 4000.1

 FHA Publishes Updates to Handbook 4000.1

FHA announced they are making updates to the 4000.1, which include enhancements, revisions to existing guidance as well as various technical edits. Changes to the Handbook can be implemented immediately but must be implemented for mortgages with case numbers assigned on or after 01/24/2022.

A brief summary of changes to the handbook are as follows:

  • Contingent Liabilities
    • Guidance was added providing that when a contingent liability is created by a divorce decree or other court order, evidence that the other legally obligated party has made 12 months of timely payments is not required.
    • In situations where a copy of the divorce decree ordering the spouse or other legally obligated party to make payments is required, FHA has added for other court orders to be permitted in lieu of the divorce decree.
  • Temporary Reduction in Income
    • Guidance was added providing that, federal, state, tribal, or local government employees temporarily out of work due to a government shutdown or other similar, temporary events (where lost income is anticipated to be recovered), income preceding the shutdown can be considered as effective income.
    • Pre-leave income received prior to and after the first mortgage payment due date is permitted to be used as effective income based on specific criteria.
  • Section 8 Homeownership Voucher
    • Updated guidance for acceptability of grossing up Section 8 Homeownership Voucher income.
  • Documenting the Transfer of Gift Funds
    • Guidance was added for gifts of land requiring proof of ownership by the donor and evidence of the transfer of title to the Borrower.
  • 203(K) Rehab Program
    • Updated list of eligible projects to include the interior space of a condominium unit excluding any areas that are not the responsibility of the Condo Association
  • Checking/Savings Accounts
    • FHA has removed the requirement for non-borrower parties on a shared account to provide a written statement that the Borrower has full access and use of the funds.
  • Payment History Requirements
    • Provided clarity that for both Mortgages underwritten through TOTAL Scorecard and manually underwritten, the mortgage payment history for the previous 12 months must be documented.
  • Streamline Refinances
    • Updated the Streamline Refinance’s Net Tangible Benefit guidance to specify the required minimum term reduction must be 3 years or more.
  • Required Inspections for New Construction Financing
    • Expanded guidance to allow, in certain circumstances, a qualified trades person or contractor to provide the required inspections and certifications.
  • Condo Flood Insurance
    • In addition to the form HUD-9991, the following is required (if applicable):
      • the certificate of insurance or a complete copy of the NFIP policy; and
      • the Letter of Map Amendment (LOMA), Letter of Map Revision (LOMR), or elevation certificate.
  • New Construction
    • New construction financing guidance implemented per ML 2020-36 has been incorporated into the Handbook. No guideline changes are being made.
  • Appraisal – Changing Markets
    • Guidance was added providing alternatives for appraisers in the absence of two credible comparables.
  • Valuation of Leasehold Interest
    • The calculation of leasehold interest guidance has been removed in consideration of factors that offer advantages and disadvantages affecting value.

Ginnie Mae Clarifies Seasoning Requirements for Modified VA Loans
Ginnie Mae published a clarification on 10/29/2021 to advise that when a new VA refinance is paying off a previously modified non-VA loan that the modified loan is still subject to all current Ginnie Mae seasoning requirements in order to be eligible for a new VA Type I or II refinance.


Posted by Joel Lobb, Mortgage Broker FHA, VA, KHC, USDA
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Louisville Kentucky Mortgage Lender for FHA, VA, KHC, USDA and Rural Housing Kentucky Mortgage: Louisville Kentucky First Time Home Buyer Programs...

Louisville Kentucky Mortgage Lender for FHA, VA, KHC, USDA and Rural Housing Kentucky Mortgage: Louisville Kentucky First Time Home Buyer Programs...: Kentucky First Time Home Buyer Programs and Resources If you are a potential Louisville Kentucky First Time home buyer first time home ...
Posted by Joel Lobb, Mortgage Broker FHA, VA, KHC, USDA
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A Little About Me

I have helped over 900 Kentucky families buy or refinance their home over the last 20 years. Realizing that this is one of the biggest, most important financial transactions a family makes during their lifetime, I always feel honored and respected when I am chosen to originate their personal home loan. You can count on me to deliver on what I say, and I will always give you honest, up-front personal attention you deserve during the loan process.

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

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

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

Email me at kentuckyloan@gmail.com with your questions

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

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

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

Joel Lobb Senior Loan Officer

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

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

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

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Customer Testimonials



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

Angela Forsythe

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

Monica Leinhardt

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

Kayle Griffin

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

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

Nancy Nalley


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


Jon ClarK

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


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

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

Melody Glasscock March 2014


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



Cee Bellisle August 2018


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

Anderson Johnson April, 2018

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

Patty Kingston July 2018



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

Patty Locker April 2019

We contacted Joel about buying a house on our move from Ohio for my husband's job transfer with Ford. We put a lot of trust in him since we were new to the area and first time home buyers in the Louisville KY market, and he always delivered on what he said. It took us a while to find a home due to the lack of homes, but once we got one, he was always quick to respond our questions via text or email ,and kept us informed through the process. We got to meet him at the closing and he was super nice and even got us a closing gift for our home which we didn't expect at all. Super nice guy ��!!! I would definitely recommend him for a local Home loan in the Louisville area.


Pam Dolby June 2019

I got a VA loan with Joel and he was great. He is an ex-army guy so he could relate to my past experiences of being a veteran and moving around the country a lot. I had some credit issues that required a little extra work but Joel was able to find A VA lender to approve my situation as far as having past bad credit problems and a lower credit score. We closed yesterday on our home here in Louisville and we could not be happier. We finally have a home of our own thanks to Joel .I would definitely recommend him for a mortgage loan. Great experience and closed 8 days before expected close date so we were able to move in early.


Betty Parsons February 2019


I contacted Joel about the $10,000 KY Housing Grant last month and we were able to get it and I just closed on my home. He was great to work with and if you are a first time home buyer here in Louisville, I would definitely contact him. I met him at his office and he was very nice and knowledgeable and kept me informed through the process. No surprises either so I was very happy. I am new homeowner thanks to Joel .

July 1st 2019 Johnathan Simmons


Joel Lobb, Mortgage Broker FHA, VA, KHC, USDA

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

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

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


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


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

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This web site is not the FHA, VA, USDA, HUD or any other government organization responsible for managing, insuring, regulating or issuing residential mortgage loans.

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

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This policy is valid from 11 July 2013


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


This blog does not accept any form of advertising, sponsorship, or paid insertions. We write for our own purposes. However, we may be influenced by our background, occupation, religion, political affiliation or experience.

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

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

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

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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.

We do not disclose any nonpublic information about our customers or former customers to any third party, except as permitted by law.

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