100% Financing – Page 22 – Kentucky First-Time Home Buyer Programs

08/13/2022 Kentucky Mortgage Broker Offering FHA, VA, USDA, Conventional, and KHC Down Payment Assistance Home Loans 100% Financing

How to Calculate Income for a Kentucky FHA Mortgage Approval?

How to Calculate Income for a Kentucky FHA Mortgage Approval? FHA INCOME CALCULATION FOR OVERTIME, BONUS, TIP INCOME FOR KENTUCKY FHA LOANS

08/13/2022 Kentucky Mortgage Broker Offering FHA, VA, USDA, Conventional, and KHC Down Payment Assistance Home Loans 100% Financing

Quick Guide to Kentucky USDA Rural Development Loans Approval Requirements

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Joel Lobb
Mortgage Loan Officer
Individual NMLS ID #57916

American Mortgage Solutions, Inc.
10602 Timberwood Circle
Louisville, KY 40223
Company NMLS ID #1364

click here for directions to our office

Text/call: 502-905-3708
fax: 502-327-9119
email: kentuckyloan@gmail.com

https://www.mylouisvillekentuckymortgage.com/

Kentucky USDA Mortgage Lender for Rural Housing Loans

Quick Guide to USDA Rural Development Loans

Not every community qualifies—but if it does, it’s the best thing since sliced bread!

Check your listings to see if the property location qualifies. http://eligibility.sc.egov.usda.gov. Generous household income limits also apply, and you can check them out at this link as well.

Generate phone calls by letting everyone know 100% financing is still available for eligible properties and borrowers.

Add an additional note to the listing info and mention it in your ads.

Buyer Qualifications Highlights

• No down payment required, and zero move-in cost is possible.

• 30-year fixed rate loan.

• 6% seller contribution limit allowed.

• Lender closing cost contribution by premium pricing allowed. Does not count against 6% seller limit.

• 100% Loan up to appraisal allowed plus you can add the 1.00% Guarantee Fee on top of that.

• Low .35% Annual Fee included in monthly payment.

•…

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07/25/2022 Kentucky Mortgage Broker Offering FHA, VA, USDA, Conventional, and KHC Down Payment Assistance Home Loans 100% Financing

Kentucky VA Home Pest Termites Inspection Fees and Repairs cost for Veterans

termite report VA loan

KENTUCKY VA MORTGAGE LENDER

Louisville Kentucky VA Home Loan Mortgage Lender: Kentucky VA Home Pest Termites Inspection Fees and…: Veterans Benefits Administration Circular 26-22-11 Department of Veterans Affairs June 15, 2022 Washington, D.C. 20420 Pest Inspection Fees…

Kentucky VA Home Pest Termites Inspection Fees and Repairs cost for Veterans

Veterans Benefits Administration Circular 26-22-11

Department of Veterans Affairs June 15, 2022 Washington, D.C. 20420

Pest Inspection Fees and Repair Costs

1. Purpose. This Circular addresses the Department of Veterans Affairs policies regarding wood destroying pest inspection fees and repair costs.

2. Background. Historically, VA has authorized, as a local variance, that Veterans may be charged for a wood destroying pest inspection report in a limited number of states and territories.1 Localities susceptible to termites and other wood destroying pests, however, are on the rise. Accordingly, VA requires, as a Minimum Property Requirement, a wood destroying pest inspection report for certain properties located…

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06/19/2022 Kentucky Mortgage Broker Offering FHA, VA, USDA, Conventional, and KHC Down Payment Assistance Home Loans 100% Financing

Kentucky FHA Mortgage Loan Lender Guidelines

fha (27)
fha credit scores (17)
FHA Good Neighbor Next Door (2)
fha income requirements (3)
FHA Mortgage Insurance 2017 Kentucky FHA Changes Mortgage (1)
FICO (7)
fico scores first time home buyer (13)
first time buyer (3)
First Time Home Buyers (8)
foreclosure (5)
Gaps in Employment (2)
gift funds (3)
grants first time home buyer kentucky (2)
home inspections (1)
home insurance (1)
homeready (1)
income (6)
inspections for home (1)
job change (3)
Job Changes (2)
job gaps (4)
job time (4)
kentucky fha appraisal (3)
kentucky fha loans (16)
Kentucky First Time Home buyer zero down payment (21)
Kentucky first Time Home Buyers (14)
kentucky housing (1)
Kentucky USDA Streamline Refinance Pilot (3)
kentucky va loans (17)
khc (4)
khc credit scores (9)

Kentucky FHA Mortgage Lender

fha (27)
fha credit scores (17)
FHA Good Neighbor Next Door (2)
fha income requirements (3)
FHA Mortgage Insurance 2017 Kentucky FHA Changes Mortgage (1)
FICO (7)
fico scores first time home buyer (13)
first time buyer (3)
First Time Home Buyers (8)
foreclosure (5)
Gaps in Employment (2)
gift funds (3)
grants first time home buyer kentucky (2)
home inspections (1)
home insurance (1)
homeready (1)
income (6)
inspections for home (1)
job change (3)
Job Changes (2)
job gaps (4)
job time (4)
kentucky fha appraisal (3)
kentucky fha loans (16)
Kentucky First Time Home buyer zero down payment (21)
Kentucky first Time Home Buyers (14)
kentucky housing (1)
Kentucky USDA Streamline Refinance Pilot (3)
kentucky va loans (17)

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03/31/2022 Kentucky Mortgage Broker Offering FHA, VA, USDA, Conventional, and KHC Down Payment Assistance Home Loans 100% Financing

Kentucky FHA Loan Changes for 2022

Kentucky FHA Loan Changes for 2022

Kentucky FHA Mortgage Lender

Here’s what you need to know about Kentucky FHA Loans and the changes that have been made for 2022.

What is a Kentucky FHA loan?

It stands for a Federal Housing Administration loan, meaning it is backed by the U.S. government. It is not made by a government agency. You deal directly with a mortgage lender or broker to get the loan, but the FHA will typically buy the loan from the lender after it is made or guarantee the lender against loss. FHA loans typically require lower down payments and credit scores than most conventional loans, making them a clear favorite among first-time buyers.

What Are the Terms?

These loans can have terms of either 30 years or 15 years. The interest rate is fixed for the entire loan length.

FHA borrowers are required to pay mortgage insurance premiums, but after a borrower’s equity in their home increases they…

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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

Website Fine Print
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.

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

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.

**Download Fair Housing Booklet – CLICK HERE

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

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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Accessibility Statement

Users with Visual Disabilities

Images on this website are accompanied by alternative text describing graphics.

Documents on website may occasionally be presented in formats other than HTML. These formats are generally accessible to users using screen reading software. The screen reading capabilities of Adobe Acrobat Reader (full version) will allow vision impaired visitors to access PDF content.

If you have any difficulty viewing any page with adaptive technology, please let us know.

Additional Accommodations

The Commonwealth of Kentucky provides, upon request, reasonable accommodations including auxiliary aids and services necessary to afford an individual with a disability an equal opportunity to participate in all services, programs and activities. To request materials in an alternative format, each agency web site provides information for contacting the person or persons responsible for providing the service within the agency. Persons with hearing and speech impairments can contact each agency by using the Kentucky Relay Service, a toll-free telecommunication device for the deaf (TDD). For voice to TDD, call 800-648-6057. For TDD to voice, call 800-648-6056

We follow standards established by the Web Content Accessibility Guidelines (WCAG) 2.0. We are actively seeking to improve our performance to meet Level AA guidelines of the WCAG.

If you experience difficulty using our site, please let us know the nature of the problem, the web address of the page(s) involving the issue, and full contact information in the event we need more details. You can call 502-905-3708 or email kentuckyloan@gmail.com to report any difficulties, and we will work with you to provide the information requested.

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

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

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.

**Download Fair Housing Booklet – CLICK HERE

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

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Kentucky VA Home Pest Termites Inspection Fees and Repairs cost for Veterans

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What is a Kentucky FHA loan?

What Are the Terms?

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