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/
Kentucky VA Mortgage Guidelines for Inspections on home for Well water testing is based on local requirements, if not applicable, EPA requirements for subject local will need to be followed . As for septic, if the appraiser references /notates any issues an inspection will be required.
Kentucky VA Mortgage Guidelines for Inspections on home for Well water testing is based on local requirements, if not applicable, EPA requirements for subject local will need to be followed . As for septic, if the appraiser references /notates any issues an inspection will be required.
Well water testing is based on local requirements, if not applicable, EPA requirements for subject local will need to be followed . As for septic, if the appraiser references /notates any issues an inspection will be required.
We have the expertise to manually underwrite even the most difficult Kentucky FHA Mortgage loans. Whether it’s purchase or refi—we work hard to approve what other lenders won’t.
Did you know over 50% of our Kentucky FHA loans are manual underwrites?
Kentucky FHA will consider the borrower’s entire story, including extenuating circumstances and compensating factors, to justify loan approvals. If your borrower falls under any of these conditions, they may benefit from manual underwriting:
Non-traditional credit / lack of credit
True extenuating circumstances affecting credit or income history
Lack of seasoning on a Chapter 13
Disputed accounts over $1,000
Frequent job changes in the last 12 months
If you think your borrower could benefit from manual underwriting call us to learn more about manual underwriting or submit your scenario today.
Lowest Minimum Decision Credit Score Maximum Qualifying Ratios (%) Acceptable Compensating Factors All manual underwritten loans require a…
The following update aligns with FHA Mortgagee Letter 2022-11 and is effective for all FHA loans with case numbers assigned on and after June 1, 2022. Appraisal Validity Period Loans with case numbers assigned prior to June 1, 2022 Loans with case numbers assigned on and after June 1, 2022 • The initial appraisal validity period is 120 days from the effective date of the appraisal. • The 120-day validity period may be extended for 30 days at the option of the underwriter if the conditional commitment is issued before the original appraisal expiration date. • An appraisal update may be used to extend the validity period of the initial appraisal. The appraisal update must be performed before the initial appraisal with no extension has expired. • When the initial appraisal is updated, the updated appraisal will be valid for 240 days after the initial appraisal effective date. • The…
KENTUCKY FIRST TIME HOME BUYER GRANTS, CREDIT SCORE FIRST TIME HOME BUYER LOUISVILLE KENTUCKY KHC, FHA LOANS KENTUCKY HOUSING FIRST TIME HOME BUYER, FIRST TIME HOME BUYER
Well water testing is based on local requirements, if not applicable, EPA requirements for subject local will need to be followed . As for septic, if the appraiser references /notates any issues an inspection will be required. 
Kentucky First-Time Home Buyer Programs | USDA, FHA, VA & KHC Loans 