FHA loan – Page 3 – Kentucky First-Time Home Buyer Programs

12/28/201607/01/2021 Kentucky Mortgage Broker Offering FHA, VA, USDA, Conventional, and KHC Down Payment Assistance Home Loans 203k FHA, appraisal issues on FHA, Common Questions from Kentucky First-time Homebuyers, Condo Financing FHA in Kentucky, Condos FHA Approved Louisville, Credit Score First Time Home Buyer Louisville Kentucky KHC, Credit Scores, Current Mortgage Rates in KY, debt ratios, Debt to Income Ratio, down payment, Down Payment Assistance, Down Payment assistance and closing costs, Down payment Assistance and Grants, Down Payment Assistance Program - Housing - Louisville Ky, Down Payment Assistance Programs in Kentucky, Fannie Mae, Fannie Mae Homepath, Fannie Mae New Lending Guidelines for Kentucky, FHA, FHA Approved Condos Louisville Kentucky, FHA Home Loans in Kentucky, FHA Loan Checklist for Approval, FHA Loans, FHA Loans Kentucky Housing First time home buyer, FHA MORTGAGE INSURANCE PREMIUM, FHA VIDEO GUIDELINES, FHA vs Conventional Credit Scores and Down Payment, fhe refinance, First Time Home Buyer in Kentucky Zero Down, First Time Home Buyer Loans--Kentucky, First Time home Buyer PRgoams, First Time Home Buyer Programs Louisville Kentucky, home ownership program louisville ky, home possible, HomePath, HomePath Fannie Mae, hud homes in ky, Income limits, Kentucky Fannie Mae REO Homes For Sale - HomePath.com, Kentucky Foreclosed Homes Link, Kentucky Home Buyer & Homeowner Mortgage Guide, KENTUCKY HOUSING CORPORATION, Kentucky Housing Mortgage Rates Louisville Kentucky, Kentucky HUD Homes for $100 Down, Kentucky Mortgage Approval, Kentucky Mortgage Rates, Kentucky Mortgage Rates and Home Loan Options, Kentucky Mortgage Rates FHA VA KHC, KHC Down payment Assistance Program Kentucky Housing, Louisville Kentucky First Time Home Buyer, Louisville Ky First Time Home Buyer Loan, Louisville Ky First Time Home Buyers, Mortgage Insurance, Mortgage Insurance FHA, Uncategorized

Kentucky FHA Loans Compared to Kentucky Conventional Loans

When it comes to financing a home a buyer is faced with the decision of what type of loan they want. The two most common choices are FHA or Conventional. Both have their advantages and disadvantages. Follow the chart below to see which one is a fit for you! For more information on homes available … Continue reading Kentucky FHA Loans Compared to Kentucky Conventional Loans

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$10,000 DOWN PAYMENT ASSISTANCE GRANT FOR LOUISVILLE KENTUCKY HOME BUYERS in JEFFERSON COUNTY KY 2018

ALL FUNDS ALLOCATED FOR THE $10,000 DOWN PAYMENT ASSISTANCE AT THIS TIME. $10,000 Down Payment Grant from Kentucky Housing for 2018 First Time Home Buyers There still is the $6000 Down Payment Assistance Available year-round 4 Things Every Borrower Needs to Get Approved for a Mortgage or Home Loan In Kentucky … Continue reading $10,000 DOWN PAYMENT ASSISTANCE GRANT FOR LOUISVILLE KENTUCKY HOME BUYERS in JEFFERSON COUNTY KY 2018

07/22/201607/22/2016 Kentucky Mortgage Broker Offering FHA, VA, USDA, Conventional, and KHC Down Payment Assistance Home Loans 3 Things The Lender Looks At When You Apply For A KentuckyUSDA Rural Development Home Loan, Fannie Mae, Fannie Mae New Lending Guidelines for Kentucky, FHA, FHA, FHA Home Loans in Kentucky, FHA Loans, FHA Loans Kentucky Housing First time home buyer, FHA/VA Louisville Kentucky, Kentucky Fannie Mae REO Homes For Sale - HomePath.com, Kentucky USDA Loans, QUICK GUIDE for Kentucky USDA Rural Development Housing Loan, Refinance Fannie Mae Loan, STUDENT LOANS, Uncategorized, usda, USDA No money down mortgage Louisville Kentucky Kentucky housing corp 30 year fixed, VA Loan, VA Loan REquirements for Kentucky, VA loans

How Does Student Loans Affect A Mortgage Loan Approval in Kentucky ?

As more Kentuckians go back to school to further their education, this usually involved for some people student loans to finance their post-secondary high school education. Below I did a summary for the different types of loans for Kentucky Home Buyers and owners for:, FHA, VA, USDA, Fannie Mae and how each loan program effects the borrower and their status … Continue reading How Does Student Loans Affect A Mortgage Loan Approval in Kentucky ?

04/19/201604/19/2016 Kentucky Mortgage Broker Offering FHA, VA, USDA, Conventional, and KHC Down Payment Assistance Home Loans FHA, FHA Home Loans in Kentucky, FHA Loans, FHA Loans Kentucky Housing First time home buyer, Louisville Kentucky FHA Loans Lexington Kentucky FHA Loans, Louisville Kentucky FHA Loans Lexington Kentucky FHA LoansElizabethtown Kentucky FHA Loans, Louisville Ky First Time Home Buyers, STUDENT LOANS, Uncategorized

KENTUCKY FHA STUDENT LOAN POLICY UPDATES

April 18, 2016 KENTUCKY MORTGAGE FHA STUDENT LOAN POLICY UPDATES On April 12, 2016, HUD announced a policy change to provide guidance on calculating student loan payments for a FHA Mortgage loan approval. Per ML 2016-08, this policy is effective for all loans with case numbers assigned on or after June 30, 2016, however, … Continue reading KENTUCKY FHA STUDENT LOAN POLICY UPDATES

08/16/2015 Kentucky Mortgage Broker Offering FHA, VA, USDA, Conventional, and KHC Down Payment Assistance Home Loans 100% Financing, FHA Home Loans in Kentucky, FHA Loans Kentucky Housing First time home buyer, fhe refinance, Refinance of Mortgage, streamline refinance

FHA STREAMLINES REFINANCE GUIDELINES IN KENTUCKY 2015

Refinancing FHA Mortgage loans. FHA STREAMLINES: FHA to FHA Refinance 620 minimum Credit Score NO AUS findings run NO Income stated on application or verified NO Appraisal – COSTS CAN NOT BE ROLLED INTO LOAN –No longer an allowable option Verify assets only for cash to close If you pay ALL costs with interest rate … Continue reading FHA STREAMLINES REFINANCE GUIDELINES IN KENTUCKY 2015

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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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

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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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