How To Qualify For An Kentucky VA Loan

Kentucky VA Mortgage Guidelines for 2020

VA loans help active duty, reserves, and veterans buy a house with no down payment and no mortgage insurance monthly making it one of the best loans out there while getting a low 30 year fixed rate loan based on market trends.

VA loans help you buy a home with limited credit or no credit if you can provide alternative trade lines

The VA loan program makes it possible to purchase a home with as little as 0 percent down and with a lower credit score than required by traditional mortgages.

VA loans are not just for first-time home buyers, and they’re not restricted to low-income applicants. Here are the requirements you’ll need to meet to qualify for an VA loan

In general, lenders want to see that…

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As a life-long Kentucky resident, I have helped over 1300 Kentucky families buy or refinance their home over the last 20 years. You can trust me for your next mortgage loan. I deliver on what I say and I will give you honest, up-front personal attention you deserve for your home loan. I have several advantages over the big- mega banks in town. First, I can shop your loan thru different mortgage companies across the country to seek competitive rate options and programs that don’t fit regular bank guidelines, whereas most banks will offer offer you there one and only deal. I have access to over 15 different mortgage companies to broker your loan thru. You will not get lost in the shuffle like most borrowers do at the mega banks; your just not a number at our company, you are a person and we will treat you like one throughout the entire process. Free pre-approvals within 6 hours and get your loan closed within 15-30 days. Give us a try or let us compare what you have now. Call me or text me locally anywhere in KY at call/text me 502-905-3708; this is my personal cell phone and I carry it on me at all times. Free credit reports and approvals.

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.

Joel Lobb – Senior Loan Officer
NMLS #57916
📞 (502) 905-3708
📧 kentuckyloan@gmail.com

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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.

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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.

How To Qualify For An Kentucky VA Loan

How To Qualify For An Kentucky VA Loan

1. Consistent income and work history for last two years to support mortgage payment

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