Finance – Page 4 – Kentucky First-Time Home Buyer Programs

05/01/202505/01/2025 Kentucky Mortgage Broker Offering FHA, VA, USDA, Conventional, and KHC Down Payment Assistance Home Loans 100% Financing, bonus income, Debt to Income Ratio, gig income, How Much Income Do I Need to Qualify for an Kentucky FHA Home Loan?, Income limits, job gaps, job history, overtime income, part time income, part time job income, seasonal income, second job income, tip income, work history

Income and Job History for Kentucky Mortgage Approval

https://kentuckyfirsttimehomebuyer.com/2025/05/01/acceptable-income-and-job-history-for-a-mortgage-loan-approval-in-kentucky/ Employment History Requirements for FHA, VA, and USDA Loans in Kentucky Learn how long you need to be on the job to qualify for an FHA, VA, or USDA mortgage loan in Kentucky. Find out the job duration required. Covers full-time, part-time, and seasonal employment documentation requirements. Thinking About Buying a Home in Kentucky? … Continue reading Income and Job History for Kentucky Mortgage Approval

04/28/2025 Kentucky Mortgage Broker Offering FHA, VA, USDA, Conventional, and KHC Down Payment Assistance Home Loans 100% Financing

Top Kentucky Mortgage Broker for First-Time Homebuyers

Top Kentucky Mortgage Loan Officer Helping First-Time Homebuyers with Bad Credit and Zero Down Loans Your Path to Homeownership Starts Here If you’re searching for a trusted Kentucky mortgage loan officer who understands the unique needs of first-time homebuyers, bad credit borrowers, and families needing zero down payment options, you’re in the right place. I’m … Continue reading Top Kentucky Mortgage Broker for First-Time Homebuyers

04/23/2025 Kentucky Mortgage Broker Offering FHA, VA, USDA, Conventional, and KHC Down Payment Assistance Home Loans 100% Financing, bonus income, Debt to Income Ratio, gig income, How Much Income Do I Need to Qualify for an Kentucky FHA Home Loan?, overtime income, part time income, part time job income, seasonal income, second job income, tip income

Navigating Variable Income for Mortgage Approval

variable income mortgage loan approval guide

04/22/202504/22/2025 Kentucky Mortgage Broker Offering FHA, VA, USDA, Conventional, and KHC Down Payment Assistance Home Loans 100% Financing

Kentucky Mortgage Loan Approval Guide for First‑Time Buyers

Kentucky Mortgage Loan Approval Guide for First‑Time Buyers (2025) By Joel Lobb, Senior Loan Officer – NMLS #57916 • Equal Housing Lender Why Government‑Backed Loans Dominate KY 6‑Step Approval Roadmap KHC Down Payment Assistance FAQ Get Pre‑Approved Today 1 | Why Government‑Backed Loans Dominate Kentucky Kentucky’s first‑time buyers lean on four powerhouse programs … Loan Type Down Payment Min. Score* PMI … Continue reading Kentucky Mortgage Loan Approval Guide for First‑Time Buyers

04/10/202504/10/2025 Kentucky Mortgage Broker Offering FHA, VA, USDA, Conventional, and KHC Down Payment Assistance Home Loans 100% Financing, bad credit, Credit Report Tips, Credit Reports, credit score, Credit Score First Time Home Buyer Louisville Kentucky KHC, Credit Score Raising it, Credit Scores, Credit Scoresrequired for KHC, FHA vs Conventional Credit Scores and Down Payment, First Time Tax Credit Extension?, free credit report through this website?, Kentucky Rural Housing and USDA Credit Score Requirements, va credit score requirements

Understanding Kentucky’s Credit Score Requirements for Mortgages

https://kentuckymortgage.wordpress.com/the-basics-of-credit-scores-for-kentucky-home-buyers-and-home-owners/ Minimum Credit Score & Down Payment Guidelines – Kentucky Mortgage Loans Loan TypeMinimum FICO ScoreMinimum Down PaymentConventional (680+)680+3.0%Conventional (620–679)620–6795.0%Conventional – No PMI620+20.0%FHA-Insured (Standard)580+3.5%FHA-Insured (Low Score)500–57910.0%VA LoanN/ANo Minimum RequiredUSDA LoanN/ANo Minimum Required 📝 Key Takeaways: Conventional Loans: Best pricing and rates are generally available for scores 680+. 620–679 may still qualify but will face higher … Continue reading Understanding Kentucky’s Credit Score Requirements for Mortgages

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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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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