Author: Kentucky Mortgage Broker Offering FHA, VA, USDA, Conventional, and KHC Down Payment Assistance Home Loans
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.
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, 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/p>
call/text phone: (502) 905-3708 kentuckyloan@gmail.com Company ID #1738461
EQUAL HOUSING LENDER
http://www.mylouisvillekentuckymortgage.com/
2023 Welcome Home Grant Program for Kentucky Home Buyers $10,000
Kentucky Welcome Home Grant for $10,000 for 2023 Kentucky Home Buyers for Down Payment Assistance.
Foreclosure Guidelines for FHA Mortgage Loans in Kentucky
FHA Loans in Kentucky with Foreclosure in the Past:
3 years from transfer date on Commissioner’s or Transfer deed must have elapsed prior to case number assignment date
An exception to the 3 year requirement may be granted if the foreclosure was caused by extenuating circumstances beyond the borrower’s control such as a serious illness or death of a wage earner and the borrower has re-established good credit since the foreclosure. If the exception is granted, the loan must meet all manual underwriting guidelines.
Divorce is not an extenuating circumstance however an exception may be granted if the mortgage was current at the time of the borrower’s divorce and the ex-spouse received the property and the mortgage was later foreclosed.
Inability to sell the property due to job transfer or relocation is not considered an extenuating circumstance
3 years from transfer of title. Case number assignment cannot be ordered until the wait period has elapsed
Same Extenuating Circumstance criteria as Foreclosures
Pre-Foreclosure (Short Sale) exception for Borrower Current at the Time of Short Sale
All mortgage payments on the prior mortgage were made within the month due for the 12 month period preceding the Short Sale;and
All installment debt payments for the same time period were also made within the month due
Exceptions to the 3 year wait time must follow manual guidelines
FHA Loans in Kentucky with Foreclosure in the Past:
3 years from transfer date on Commissioner’s or Transfer deed must have elapsed prior to case number assignment date
An exception to the 3 year requirement may be granted if the foreclosure was caused by extenuating circumstances beyond the borrower’s control such as a serious illness or death of a wage earner and the borrower has re-established good credit since the foreclosure. If the exception is granted, the loan must meet all manual underwriting guidelines.
Divorce is not an extenuating circumstance however an exception may be granted if the mortgage was current at the time of the borrower’s divorce and the ex-spouse received the property and the mortgage was later foreclosed.
Inability to sell the property due to job transfer or relocation is not considered an extenuating circumstance
3 years from transfer of title. Case number assignment cannot be ordered until the wait…
Kentucky First-Time Home Buyer Programs | USDA, FHA, VA & KHC Loans 