Uncategorized – Page 48 – Kentucky First-Time Home Buyer Programs

Kentucky USDA Rural Development Mortgage (kentuckyusdaloan.com) Kentucky Guaranteed Rural Housing Loans 2012 Update (kentuckyusdaloan.wordpress.com) Kentucky USDA Guaranteed Rural Housing Mortgage Guidelines (kentuckyusdaloan.com) Section 502 USDA Guaranteed Loan Program Rural Refinance Pilot Guidelines for Kentucky Mortgages (kentuckyusdaloan.com) Kentucky USDA Guaranteed Rural Housing Mortgage Guidelines (kentuckyusdaloan.com) 2012 USDA Rural housing loan program Refinance for Kentucky (kentuckyusdaloan.com) Credit … Continue reading The Kentucky Guaranteed Rural Housing (GRH) Loan Program

11/21/2016 Kentucky Mortgage Broker Offering FHA, VA, USDA, Conventional, and KHC Down Payment Assistance Home Loans Uncategorized

Credit Do’s and Don’ts During the Lending Process

Credit Do’s and Don’ts During the Lending Process
600 scores for FHA and VA (new program):
1) We have lowered our scores to 600 for FHA and VA only.
2) The same overlays that apply for 620-639 will just be extended down to 600.
3) The only extra overlay is AUS approval only for 600-619. We will not manually override a refer.

Manufactured Housing now available on FHA and VA (new program):
1) To many over lays to share here. Read the guideline launch that is attached. Min Score 680!

RPM Mortgage, Inc.

Did you know that your credit report is pulled twice during the lending process? Once in the beginning during the pre-approval stage and again right before your closing. During this time period it is imperative that you don’t do anything that could impact your credit score or your loan. Here’s what to do and not do to protect your credit while you are in the process of purchasing or refinancing a home.

Don’t Apply For New Credit

Refrain from taking out any new credit cards within the three to four months before you apply for a mortgage or while in the process of securing a loan. When you apply for a new line of credit with a company or retailer they will run your credit report to make sure you qualify for their card. This can decrease your credit score, which can push you into a lesser credit score category…

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11/19/2016 Kentucky Mortgage Broker Offering FHA, VA, USDA, Conventional, and KHC Down Payment Assistance Home Loans Uncategorized

Kentucky Mortgage Rates Today

The different types of mortgage insurance available for Louisville Kentucky Mortgage Loans
•
Annual Plan – The first year premium is collected at closing, and then monthly payments are held in escrow for the following year.
•
Monthly Plan – Two months of MI is paid at closing, then collected monthly as part of the mortgage payment.
•
Zero Up–Front Plan – Use that money for the down payment instead, as MI is paid monthly with the first mortgage payment, not at closing.
•
Single/Financed Premium – Entire MI premium is paid at closing, and can be paid with down payment assistance or financed into the loan.
•
Split Premium – A combination of single premium and the monthly plan; the seller can help with the up–front premium or it can be financed in, resulting in lower monthly premiums.
•
Single Premium Lender Paid Mortgage Insurance (LPMI)4– “Life of Loan” mortgage insurance that is paid after closing by the lender; no annual or monthly premiums or renewals.
Kentucky Mortgage and PMI, PMI Mortgage insurance, MIP, Mortgage insurance,

Louisville Kentucky Mortgage Loans

Today’s Rates for Kentucky FHA, VA, USDA, Conforming Mortgage Loans Kentucky Mortgage Rates Interest Rate APR Discount Points Down Payment 30 Year Conforming Fixed 3.500% 3.561% 0.00 25% 15 …

Source: Kentucky Mortgage Rates Today

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11/16/2016 Kentucky Mortgage Broker Offering FHA, VA, USDA, Conventional, and KHC Down Payment Assistance Home Loans Uncategorized

First Time Home Buyer Louisville Kentucky Mortgage Programs

First Time Home Buyer Louisville Kentucky Mortgage Programs
First Time Home Buyer Louisville Ky Info

Louisville Kentucky Mortgage Loans

Firs f791a418-b261-47fa-afa4-a3517cc543ce t Time Home Buyer Louisville Kentucky Mortgage Programs Kentucky First Time Home Buyer Loan Programs Louisville Kentucky First Time Home Buyer Louisville KY First Time Buyers Loans What i…

Source: First Time Home Buyer Louisville Kentucky Mortgage Programs

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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.

Category: Uncategorized

2017 Kentucky VA LOAN LIMITS

The Kentucky Guaranteed Rural Housing (GRH) Loan Program

Credit Do’s and Don’ts During the Lending Process

Kentucky Mortgage Rates Today

First Time Home Buyer Louisville Kentucky Mortgage Programs

Users with Visual Disabilities

Additional Accommodations

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