FHA/VA Louisville Kentucky – Page 4 – Kentucky First-Time Home Buyer Programs

How long is my pre-approval good for on a Kentucky Mortgage Loan?

When shopping for a Kentucky mortgage loan, keep in mind that mortgage rates can change daily. Different lenders have varying fees, and they may sell your loan to another bank. Your middle credit score is crucial, and good credit leads to better rates. Knowing your Annual Percentage Rate (APR) and reducing closing costs are important. Finally, you can refinance your home loan anytime and get a mortgage loan after a foreclosure with certain waiting periods.

01/17/2024 Kentucky Mortgage Broker Offering FHA, VA, USDA, Conventional, and KHC Down Payment Assistance Home Loans 100% Financing, 2024 KY USDA Rural Housing Income Limits for Kentucky Counties for the Guaranteed RHS Loan, 3 Things The Lender Looks At When You Apply For A KentuckyUSDA Rural Development Home Loan, 4 things needed for Mortgage Approval, Application Document Checklist for Approval, appraisals in Kentucky, bad credit, Bankruptcy, Classes First Time Home Buyer, collections and FHA, Condo Financing FHA in Kentucky, Condos FHA Approved Louisville, Credit Scores, Current Mortgage Rates in KY, Debt to Income Ratio, Documents needed for Kentucky Mortgage Loan Approval, Down Payment Assistance, Fannie Mae, FHA, FHA Home Loans in Kentucky, FHA Loans Kentucky Housing First time home buyer, FHA vs Conventional Credit Scores and Down Payment, FHA/VA Louisville Kentucky, Fico Score, First Time Home Buyer in Kentucky Zero Down, First Time Home Buyer Loans--Kentucky, First Time Home Buyer Programs Louisville Kentucky, Housing Market in Kentucky, How Much Income Do I Need to Qualify for an Kentucky FHA Home Loan?, hud homes in ky, KENTUCKY HOUSING CORPORATION, Kentucky Housing Mortgage Rates Louisville Kentucky, Kentucky HUD Homes for $100 Down, Kentucky Mortgage Rates FHA VA KHC, Kentucky USDA Loans, Kentucky USDA/Rural Housing Areas, KHC Down payment Assistance Program Kentucky Housing, Louisville Kentucky FHA Loans Lexington Kentucky FHA Loans, Louisville Kentucky FHA Loans Lexington Kentucky FHA LoansElizabethtown Kentucky FHA Loans, Louisville Ky First Time Home Buyer Loan, Manual Underwriting, Map Changes for USDA Loans in KY, rhs loans kentucky, Rural Deveoplment, rural housing, Rural Housing Loans No Money Down Program, welcome home funds ky, What NOT To Do After You Apply for a Kentucky Mortgage Loan Approval

4 Things to Know about buying a house and getting a Kentucky Mortgage Loan approval

https://kentuckyusdaloan.com/2024/01/17/5-things-to-know-about-buying-a-house-and-getting-a-mortgage-loan-approval-in-kentucky-for-2023/?page_id=105704

10/29/2023 Kentucky Mortgage Broker Offering FHA, VA, USDA, Conventional, and KHC Down Payment Assistance Home Loans $100 Down FHA Mortgage, 2023 MORTGAGE GUIDE FOR FHA, 203k FHA, appraisal issues on FHA, collections and FHA, Condo Financing FHA in Kentucky, FHA, FHA, FHA Approved Condos Louisville Kentucky, fha collections, FHA Home Loans in Kentucky, FHA Loans, FHA Loans Kentucky Housing First time home buyer, FHA MORTGAGE INSURANCE PREMIUM, fha refinance, FHA vs Conventional Credit Scores and Down Payment, FHA/VA Louisville Kentucky, How Long Do I Have To Be Employed to Qualify for an Kentucky FHA Loan?, How Much Income Do I Need to Qualify for an Kentucky FHA Home Loan?, Kentucky Mortgage Rates FHA VA KHC, Lending limits for FHA loans insured for KENTUCKY counties., Louisville Kentucky FHA Loans Lexington Kentucky FHA Loans, Louisville Kentucky FHA Loans Lexington Kentucky FHA LoansElizabethtown Kentucky FHA Loans, Manufactured Home Guidelines for Kentucky FHA, Conventional and USDA, VA Mortgage Loans, Mortgage Insurance FHA, property flips rules for mortgages USDA, FHA, VA, Fannie Mae, repossession car FHA loan approval, streamline fha refinance

Kentucky FHA Loan Requirements

https://kentuckyfhaloan.wordpress.com/2023/10/29/kentucky-fha-mortgage-loan-lender-guidelines-2/?page_id=24371 Kentucky FHA Loan Requirements The requirements for Kentucky FHA loans are set by HUD. Borrowers must have a steady employment history of the last two years within the same industry or line of work. Recent college graduates can use their transcripts to supplant the 2-year work history rule as long as it makes sense. … Continue reading Kentucky FHA Loan Requirements

09/30/202309/30/2023 Kentucky Mortgage Broker Offering FHA, VA, USDA, Conventional, and KHC Down Payment Assistance Home Loans bad credit, Credit Report Tips, Credit Reports, credit score, Credit Score First Time Home Buyer Louisville Kentucky KHC, Credit Scores, Credit Scoresrequired for KHC, FHA Loans, FHA vs Conventional Credit Scores and Down Payment, FHA/VA Louisville Kentucky, Fico Score, fico score mortgage loan, fico scores, First Time Tax Credit Extension?, free credit report through this website?, Kentucky Rural Housing and USDA Credit Score Requirements, rapid rescore, usda

What credit score do you need for a mortgage?

What kind of credit score do I need? Most lenders want a 580 to 620 credit score nowadays with no bankruptcies in the last 2 years and no foreclosures in the last 3 years. You have three fico scores from Experian, Equifax and Transunion credit reporting agencies and the lenders will throw out the high and low score and take the middle score of the … Continue reading What credit score do you need for a mortgage?

03/21/2023 Kentucky Mortgage Broker Offering FHA, VA, USDA, Conventional, and KHC Down Payment Assistance Home Loans $100 Down FHA Mortgage, 2023 MORTGAGE GUIDE FOR FHA, FHA, FHA, FHA Approved Condos Louisville Kentucky, fha collections, FHA Home Loans in Kentucky, FHA Loan Checklist for Approval, FHA Loans Kentucky Housing First time home buyer, FHA MORTGAGE INSURANCE PREMIUM, fha refinance, FHA VIDEO GUIDELINES, FHA vs Conventional Credit Scores and Down Payment, FHA/VA Louisville Kentucky, How Long Do I Have To Be Employed to Qualify for an Kentucky FHA Loan?, Manufactured Home Guidelines for Kentucky FHA, Conventional and USDA, VA Mortgage Loans, Map Changes for USDA Loans in KY, Private Mortgage Insurance, property flips rules for mortgages USDA, FHA, VA, Fannie Mae, repossession car FHA loan approval, VA

Kentucky FHA, VA, and USDA loans for purchase, refinance, and renovations, and we now allow credit scores down to 580.

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.

See link👇

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.

Share this:

Share this:

Share this:

Share this:

Share this: