Uncategorized – Page 11 – Kentucky First-Time Home Buyer Programs

06/05/2019 Kentucky Mortgage Broker Offering FHA, VA, USDA, Conventional, and KHC Down Payment Assistance Home Loans Uncategorized

2019 Kentucky First Time Home Buyer Loan Programs

First-Time Home buyers Louisville, KY

05/31/201905/31/2019 Kentucky Mortgage Broker Offering FHA, VA, USDA, Conventional, and KHC Down Payment Assistance Home Loans FHA/VA Louisville Kentucky, Funding FEE for VA loans, Uncategorized, VA, VA Loan, VA Loan REquirements for Kentucky, VA loans

Using Your Veterans Benefit to Buy a Home In Kentucky

Using Your Veterans Benefit to Buy a Home In Kentucky

KENTUCKY VA MORTGAGE LENDER

Probably one of the most talked about GI benefits is the VA Home Loan. You’ve probably heard of it, but have you ever thought of it using it? Learn what it is & how can it help you here.

Using Your Veterans Benefit to Buy a Home In Kentucky

Using Your Veterans Benefit to Buy a Home in Kentucky |

Probably one of the most talked about GI benefits is the Kentucky VA Home Loan. You’ve probably heard of it, but have you ever thought of it using it? Learn what it is & how can it help you here.

Using Your Veterans Benefit To Buy A Home In Kentucky For Zero Down

May 31, 2019 06:00AM

Those eligible for VA loans should at least look into taking advantage of this benefit

Probably one of the most talked about GI benefits is the VA Home Loan. You’ve probably heard of…

View original post 604 more words

05/15/2019 Kentucky Mortgage Broker Offering FHA, VA, USDA, Conventional, and KHC Down Payment Assistance Home Loans Uncategorized

Do bad debt or collections have to be paid off to get a VA loan approval in Kentucky

bad credit mortgage, charge off accounts, Collections Accounts, Credit and Collection, credit report, Credit Reports, Credit score, Credit Scores, Credit Scores/Credit Report Tips, free credit report, how to improve credit score, kentucky va loan, kentucky va mortgage, Louisville VA, louisville va mortgage, va lenders ky, va loan collections, VA Loans, va mortgage, va mortgage and car repo, va mortgage and charge off accounts, va mortgage bad credit, VA Mortgage by Louisville Kentucky Mortgage., va rates fort knox, va rates ky.

Louisville Kentucky Mortgage Loans

Kentucky va home lenders bad credit

via Do bad debt or collections have to be paid off to get a VA loan approval in Kentucky

View original post

05/09/2019 Kentucky Mortgage Broker Offering FHA, VA, USDA, Conventional, and KHC Down Payment Assistance Home Loans Uncategorized

“Grossing-Up” Non-Taxable Income for a Kentucky Mortgage Loan Approval

“Grossing-Up” Non-Taxable Income for a Kentucky Mortgage Loan Approval

Louisville Kentucky Mortgage Loans

Image result for "Grossing-Up" Non-Taxable Income

“Grossing-Up” Non-Taxable Income

Did you know that you can gross up non-taxable income?

You may gross up non-taxable income for income qualifying purposes. The non-taxable income source being “grossed-up” must be documented.

Non-taxable income refers to types of income not subject to federal taxes, which includes, but is not limited to:

some portion of Social Security Income;
some federal government employee Retirement Income;
Railroad Retirement benefits;
some state government Retirement Income;
certain types of disability and Public Assistance payments;
Child Support;
military allowances; and
other income that is documented as being exempt from federal income taxes.

The percentage to be grossed-up varies by agency:

FHA – the greater of 15% or the appropriate tax rate for the income amount
USDA – 25%
VA – 25%
Freddie Mac – 25% or the amount of the current federal and state income tax withholdings tables
Fannie Mae – 25% or the amount of…

View original post 955 more words

05/07/201905/07/2019 Kentucky Mortgage Broker Offering FHA, VA, USDA, Conventional, and KHC Down Payment Assistance Home Loans bad credit, collections, collections and FHA, Credit Report Tips, Credit Reports, credit score, Credit Score Raising it, Credit Scores, Fannie Mae, FHA, FHA Home Loans in Kentucky, FHA Loans, FHA Loans Kentucky Housing First time home buyer, FHA vs Conventional Credit Scores and Down Payment, fico scores, Refinance Fannie Mae Loan, Uncategorized

How are collections treated on a Mortgage loan in Kentucky for a FHA and Conventional Loan Approval?

Collection Account Tips for Fannie Mae and FHA Loan in Kentucky. Do they have to be paid to get approved for a Kentucky Mortgage Loan? Collection accounts on the credit report can sometimes hurt your chances of getting approved for a Kentucky Mortgage loan in Two ways: First, if collections are recent, they may drag … Continue reading How are collections treated on a Mortgage loan in Kentucky for a FHA and Conventional Loan Approval?

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:

Using Your Veterans Benefit to Buy a Home In Kentucky

Share this:

Share this:

Share this:

Share this: