Uncategorized – Page 27 – Kentucky First-Time Home Buyer Programs

08/02/2018 Kentucky Mortgage Broker Offering FHA, VA, USDA, Conventional, and KHC Down Payment Assistance Home Loans Uncategorized

What is Owner’s Title Insurance and Why is it Important? | Erika Lewis Blog

Title Insurance For a Kentucky Mortgage Loan. Owner's Title Insurance and Lender's Title Insurance. What is the difference?

What paperwork is needed for a Mortgage Loan Pre-Approval in Kentucky?

What Paperwork Will I Need? Minimum Documentation List Last 30 days pay stubs for all borrowers Last 2 years w2 statement for all borrowers Last 2 years tax returns, all schedules Minimum: Verbal of source cash to close will come from (assets, gift, equity) Additional Documentation – Verbal of balances ok to start Last 60 days … Continue reading What paperwork is needed for a Mortgage Loan Pre-Approval in Kentucky?

07/31/2018 Kentucky Mortgage Broker Offering FHA, VA, USDA, Conventional, and KHC Down Payment Assistance Home Loans Uncategorized

Refinance Guidelines and Information for Kentucky VA Mortgage Loans.

KENTUCKY VA MORTGAGE REFINANCE GUIDELINES FOR CASHOUT AND STREAMLINE

KENTUCKY VA MORTGAGE LENDER

va pic for blogh

Kentucky VA Mortgage Refinance Guidelines

Borrow up to 100% of the home’s value. Unlike other programs that only allow 80% or 85% of the home’s value.
No Income or Asset verification is required. We don’t need your paystubs, w-2’s tax info, or bank statements. Much easier qualifying.
No Appraisal is required (unless Discount is being charged to borrower – see below)—-VA does not require a new appraisal. So even if your home has not equity or went down in value, we can go off on old value when doing a rate and term with no cash back.
No Credit Qualifying. Meaning we don’t have to repull credit again and check your fico scores. Just verify your last 12 months mortgage history is on time.
VA Funding Fee is .50%, much less than the 2 or 3% you pay when you buy the home, If disabled, you will not have to…

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07/29/2018 Kentucky Mortgage Broker Offering FHA, VA, USDA, Conventional, and KHC Down Payment Assistance Home Loans Uncategorized

You Can Improve Your Credit Score…With Persistence!!!

580 credit fha ky, bad credit, Credit Score Louisville FHA and KHC Mortgage Rates Today, FHA minimum credit score, FHA Kentucky Home Loans, FHA Loan in Kentucky, Kentucky HUD Homes for $100 Down
Louisville, Ky Louisville, KY, USA

Bellamy on Real Estate

About two months ago a couple was referred to me that had been turned down by several agents and mortgage lenders. Both had credit scores in the low 500s.

I had one of my preferred lenders pull their Trimerge credit report. After reviewing the report things weren’t as bad as it appeared on the surface. I meet with the couple and gave them a plan of action. I estimated that if they followed my instructions to the “T” it would raise their credit score 80 – 100 points.

Today I met with the couple, they had followed my instructions, and now their scores are now in the mid 600s and have been prequalified for a FHA loan by a Florida Housing approved lender. There still work to do, but if they continue the plan I gave them their scores should be in the high 600s within the next…

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07/28/2018 Kentucky Mortgage Broker Offering FHA, VA, USDA, Conventional, and KHC Down Payment Assistance Home Loans Uncategorized

FHA Approved Condo List Louisville Kentucky Jefferson County

First Time Home Buyer in Kentucky Zero Down, First Time Home Buyer Louisville Kentucky Mortgage, Kentucky Mortgage Rates FHA VA KHC, Kentucky Rural Development Loans, Kentucky VA Loan Approval, USDA loans

Louisville Kentucky Mortgage Loans

via FHA Approved Condo List Louisville Kentucky Jefferson County

ondominiums as of 07/28/2018
(61 records were selected, records 1 through 50 displayed)

Condo
Name

Condo ID /
Submission

Address

County

Approval
Method

Composition
of Project

Comments

Document
Status

Manufactured
Housing

FHA
Concentration

Status

Status
Date

Expiration
Date

ANDERSON PARK

A007467 001

9026 FERN CREEK RD
LOUISVILLE, KY 40291

JEFFERSON

HRAP

84 units

None

Recorded/
Not Uploaded

5.55%

Approved

05/25/2017

05/25/2019

ARBOR CREEK CONDOMINIUMS

A002562 001

ARBOR CREEK DRIVE AND ARBOR MEADOW WAY
LOUISVILLE, KY 40228

JEFFERSON

HRAP

170 Units. DB 08278, PG 0268.

None

Recorded/
Not Uploaded

9.41%

Approved

11/30/2017

11/30/2019

AUTUMN GARDENS CONDOMINIUMS

A002616 001

10013 AUTUMN GARDENS WAY
LOUISVILLE, KY 40229

JEFFERSON

HRAP

10 Buildings, 45 Units. DB08290PG0253, DB09109PG0706.

Exists

Recorded/
Not Uploaded

15.55%

Approved

12/11/2017

12/11/2019

AUTUMN TRACE CONDOMINIMUM

A002589 001

7520 AUTUMN POINTE DR
LOUISVILLE, KY 40214

JEFFERSON

HRAP

105 Units.

None

Recorded/

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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.

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.

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