VA loan – Page 2 – Kentucky First-Time Home Buyer Programs

Repossession on a credit report for FHA Loan

How to handle a Repossession on a credit report for FHA Loan Approval?

12/07/2025 Kentucky Mortgage Broker Offering FHA, VA, USDA, Conventional, and KHC Down Payment Assistance Home Loans $10,000 Kentucky Housing Down Payment Assistance Funds., $15,0000 Down Payment Assistance Kentucky, $5,000 Welcome Home Grant KY, 100% Financing, 100% financing Kentucky Home Loan, 2024 KY USDA Rural Housing Income Limits for Kentucky Counties for the Guaranteed RHS Loan, 2024 Welcome Home Grant Program for Kentucky Home Buyers $20,000, 3 Things The Lender Looks At When You Apply For A KentuckyUSDA Rural Development Home Loan, 5% Kentucky Home Buyer Grant, 7500 down payment assistance, Automated Underwriting, Common Questions from Kentucky First-time Homebuyers, Credit Reports, credit score, Credit Score First Time Home Buyer Louisville Kentucky KHC, Credit Scoresrequired for KHC, debt ratios, Debt to Income Ratio, Documents needed for Kentucky Mortgage Loan Approval, 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 New Lending Guidelines for Kentucky, FHA, FHA, FHA Loans, FHA Loans Kentucky Housing First time home buyer, FHA vs Conventional Credit Scores and Down Payment, FHA/VA Louisville Kentucky, Fico Score, fico scores, 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, 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 USDA/Rural Housing Areas, Kentucky Welcome Home Grant Income Limits 2024, KHC Down payment Assistance Program Kentucky Housing, KHC Kentucky Housing, KHC Mortgage Interest Rates, KHC Mortgage Rates / Kentucky Housing Rates, Louisville home sales stats, Louisville Metro Down Payment Assistance, Manual Underwriting, mobile homes, mortgage rates, mortgage tips, no down payment, No money down mortgage Louisville Kentucky Kentucky housing corp 30 year fixed, QUICK GUIDE for Kentucky USDA Rural Development Housing Loan, Rural Housing Loans No Money Down Program, Tips to ensure your Kentucky mortgage closes smoothly, usda, usda income limits Kentucky, USDA No money down mortgage Louisville Kentucky Kentucky housing corp 30 year fixed, VA Loan, VA Loan REquirements for Kentucky, VA loans, welcome home funds ky, Welcome Home Grant Kentucky $5,000.00 2022

How to buy a house in Kentucky with Zero Down Payment Mortgage Loan

Kentucky Housing Corporation (KHC) Loan (Best for KY Buyers Needing Assistance) Down Payment: $0 with $10,000 Down Payment Assistance (DAP) Interest Rate: ~5.75% Credit Score: 620+ Waiting Period: 2 years after bankruptcy, 3 years after foreclosure Income Limit: $168,700 Who Qualifies? First-time or income-eligible buyers in Kentucky Pros: $10,000 down payment assistance available Can be combined with FHA, VA, or USDA loans Lower interest rates than many other options Cons: Income and purchase price limits apply Requires homebuyer education course DAP is a loan, not a grant (must be repaid) Best for: Kentucky homebuyers needing down payment assistance.

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Debt-to-Income (DTI) ratio requirements for Kentucky FHA, VA, USDA, and conventional mortgage loans

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Bad Credit Mortgage Options in Kentucky for Homebuyers

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Impact of Government Shutdowns on Kentucky Mortgage Loans

Kentucky Mortgage Loans & Government Shutdowns | Joel Lobb Mortgage Loan Officer Government Shutdowns & Kentucky Mortgage Loans What Kentucky Homebuyers Need to Know When the government shuts down, mortgage closings don’t stop — but there can be delays. Here’s how different loan programs in Kentucky can be affected. 💼 IRS & SSA Lenders often … Continue reading Impact of Government Shutdowns on Kentucky Mortgage Loans

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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Users with Visual Disabilities

Images on this website are accompanied by alternative text describing graphics.

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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

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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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