student loan mortgage – Kentucky First-Time Home Buyer Programs

12/17/202512/17/2025 Kentucky Mortgage Broker Offering FHA, VA, USDA, Conventional, and KHC Down Payment Assistance Home Loans 100% Financing, Student Loan Collections and Mortgage, Student Loan Rehab Program, STUDENT LOANS

2026 Guidelines for Student Loans and Mortgages

06/22/201906/22/2019 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, STUDENT LOANS, Uncategorized

FHA’s New Student Loan Rule Could Impact Kentucky Mortgage Borrowers

FHA’s New Student Loan Rule Could Impact Kentucky Mortgage Borrowers Student Loan Payment Calculations for FHA, VA, USDA, and Fannie Mae Loans in Kentucky Fannie Mae Guidelines for Student Loans If a monthly payment is on the credit report, the lender may use that amount for qualifying purposes. If a monthly payment is on the … Continue reading FHA’s New Student Loan Rule Could Impact Kentucky Mortgage Borrowers

12/24/201812/24/2018 Kentucky Mortgage Broker Offering FHA, VA, USDA, Conventional, and KHC Down Payment Assistance Home Loans Common Questions from Kentucky First-time Homebuyers, Fannie Mae, FHA Loans Kentucky Housing First time home buyer, FHA/VA Louisville Kentucky, First Time Home Buyer Programs Louisville Kentucky, KENTUCKY HOUSING CORPORATION, Kentucky USDA Loans, Louisville Kentucky FHA Loans Lexington Kentucky FHA Loans, Louisville Kentucky First Time Home Buyer, rhs loans kentucky, rural housing, Rural Housing Loans No Money Down Program, STUDENT LOANS, usda, VA, VA loans

How do Student Loans Affect Your Chances of getting approved for a Kentucky Mortgage Loan?

conventional loan guidelines student loans

10/01/201810/01/2018 Kentucky Mortgage Broker Offering FHA, VA, USDA, Conventional, and KHC Down Payment Assistance Home Loans STUDENT LOANS, Uncategorized

What are the current student loan guidelines for a Kentucky FHA, VA, USDA and Fannie Mae Conventional Mortgage loan.

Kentucky FHA Loan Guidelines for Student Loans: Must be included in the borrower’s liabilities regardless of the payment type or status. The payment amount must be either: ▪ The greater of: · 1% of the outstanding balance on the loan or · Monthly payment reported on the borrower’s credit report, or ▪ The servicer’s … Continue reading What are the current student loan guidelines for a Kentucky FHA, VA, USDA and Fannie Mae Conventional Mortgage loan.

04/30/201701/16/2020 Kentucky Mortgage Broker Offering FHA, VA, USDA, Conventional, and KHC Down Payment Assistance Home Loans Common Questions from Kentucky First-time Homebuyers, Fannie, Fannie Mae, Fannie Mae Homepath, Fannie Mae New Lending Guidelines for Kentucky, FHA Home Loans in Kentucky, FHA Loans Kentucky Housing First time home buyer, First Time Home Buyer in Kentucky Zero Down, First Time Home Buyer Programs Louisville Kentucky, Kentucky Mortgage Approval, Louisville First Time Buyer Mortgages, Louisville Ky First Time Home Buyer Loan, STUDENT LOANS

Guidelines Changes on Student Loans for Conventional Fannie Mae, USDA, FHA, and VA Mortgage loans in Kentucky

Agreed, Student loans kill more mortgage loans now more than any other borrower that has good credit than anything else. The mortgage giants, ie, (Fannie Mae, Freddie Mac, USDA, FHA, VA, RHS) use to be very friendly toward student loans and if they were deferred or in forbearance we counted no payment for it. Now … Continue reading Guidelines Changes on Student Loans for Conventional Fannie Mae, USDA, FHA, and VA Mortgage loans in Kentucky

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

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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.

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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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