va mortgage – Page 2 – Kentucky First-Time Home Buyer Programs

02/04/201902/04/2019 Kentucky Mortgage Broker Offering FHA, VA, USDA, Conventional, and KHC Down Payment Assistance Home Loans Uncategorized, VA, VA Loan, VA Loan REquirements for Kentucky, VA loans

WHAT IS A Kentucky VA Mortgage LOAN?

Know about Qualifying for a VA loan in 2019 In "2019 Kentucky VA Mortgage Changes" Your Complete Guide to the Kentucky VA Loan for 2019 https://www.reddit.com/r/personalfinance/comments/an57ix/what_is_a_kentucky_va_mortgage_loan/

12/01/201812/01/2018 Kentucky Mortgage Broker Offering FHA, VA, USDA, Conventional, and KHC Down Payment Assistance Home Loans debt ratios, Debt to Income Ratio, Uncategorized

What does debt to income ratio mean for a Mortgage Loan Approval in Kentucky?

What is Debt to Income Ratio for a mortgage loan approval in Kentucky? If you are looking to purchase your first home in Kentucky, A key term you will need to know about is your "debt-to-income ratio," which refers to the figure you get when you add up all your monthly debt payments and then … Continue reading What does debt to income ratio mean for a Mortgage Loan Approval in Kentucky?

11/18/201810/25/2023 Kentucky Mortgage Broker Offering FHA, VA, USDA, Conventional, and KHC Down Payment Assistance Home Loans 100% Financing, 100% financing Kentucky Home Loan, 4 things needed for Mortgage Approval, Application Document Checklist for Approval, Bankruptcy, charge offs, collections and FHA, Common Questions from Kentucky First-time Homebuyers, Condo Financing FHA in Kentucky, Credit Reports, credit score, Credit Score First Time Home Buyer Louisville Kentucky KHC, Credit Scores, Current Mortgage Rates in KY, Debt to Income Ratio, Denied A Mortgage, Documents needed for Kentucky Mortgage Loan Approval, Down Payment Assistance, Down Payment Assistance Program - Housing - Louisville Ky, Down Payment Assistance Programs in Kentucky, escrow repairs, Fannie Mae, Fannie Mae New Lending Guidelines for Kentucky, FHA, FHA Approved Condos Louisville Kentucky, FHA Home Loans in Kentucky, FHA Loans Kentucky Housing First time home buyer, FHA VIDEO GUIDELINES, FHA vs Conventional Credit Scores and Down Payment, FHA/VA Louisville Kentucky, Fico Score, First Time Home Buyer in Kentucky Zero Down, First Time Home Buyer Loans--Kentucky, First Time home Buyer PRgoams, Foreclosures, Grants, Home Buying And Down Payment Assistance Programs In Kentucky, home inspectors, How Long Do I Have To Be Employed to Qualify for an Kentucky FHA Loan?, How Much Income Do I Need to Qualify for an Kentucky FHA Home Loan?, How to payoff Mortgage Faster, hud homes in ky, Kentucky Fannie Mae REO Homes For Sale - HomePath.com, 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 and Home Loan Options, Kentucky Mortgage Refinance Questions to ask, Kentucky Rural Housing and USDA Credit Score Requirements, khc agents, KHC Down payment Assistance Program Kentucky Housing, KHC Kentucky Housing, locking rate, Louisville First Time Buyer Mortgages, Louisville Kentucky, Louisville Kentucky First Time Home Buyer, Louisville Ky First Time Home Buyer Loan, Louisville Metro Down Payment Assistance, Manual Underwriting, manufactured homes, Map Changes for USDA Loans in KY, mobile homes, overtime income, owner's title insurance, part time income, PMI, points and fees, QUICK GUIDE for Kentucky USDA Rural Development Housing Loan, rapid rescore, Refinance Fannie Mae Loan, Refinance of Mortgage, rhs loans kentucky, Rural Deveoplment, rural housing, Rural Housing Loans No Money Down Program, seasonal income, second job income, Self-Employed, short sales, streamline refinance, STUDENT LOANS, Tax Returns, tip income, Tips to ensure your Kentucky mortgage closes smoothly, Unreimbursed expenses, usda, USDA No money down mortgage Louisville Kentucky Kentucky housing corp 30 year fixed, VA, VA Loan, VA Loan REquirements for Kentucky, VA loans, welcome home funds ky

Kentucky Home Buyers. Purchase a Home No Money Down.

I can answer your questions and usually get you pre-approved the same day. Call or Text me at 502-905-3708 with your mortgage questions. Email Kentuckyloan@gmail.com Joel Lobb Mortgage Loan Officer Individual NMLS ID #57916 American Mortgage Solutions, Inc. 10602 Timberwood Circle Louisville, KY 40223 Company NMLS ID #1364 Text/call: 502-905-3708 fax: … Continue reading Kentucky Home Buyers. Purchase a Home No Money Down.

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.

09/21/201809/21/2018 Kentucky Mortgage Broker Offering FHA, VA, USDA, Conventional, and KHC Down Payment Assistance Home Loans approval tips, bad credit, collections, collections and FHA, documents needed for loan pre-approval, FHA/VA Louisville Kentucky, Uncategorized, VA, VA Loan, VA Loan REquirements for Kentucky, VA loans, What NOT To Do After You Apply for a Kentucky Mortgage Loan Approval

Does bad debt, collections, or charge offs on credit report have to be paid off to get a VA loan approval in Kentucky

Collections on Credit Report and How They affect a Kentucky VA Mortgage Loan Approval Collection accounts are accounts for a debt that have been submitted to a collection agency by the creditor generally due to nonpayment. Below are general tips and guidance on what DU will require when collection accounts are reporting on a borrower’s … Continue reading Does bad debt, collections, or charge offs on credit report have to be paid off to get a VA loan approval 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

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.

Share this:

Share this:

Share this:

Share this:

Share this: