Lexington Kentucky – Page 8 – Kentucky FHA Mortgage Lender

May 7, 2012May 7, 2012 Kentucky Mortgage Broker Offering FHA, VA, USDA, Conventional, and KHC Down Payment Assistance Home Loans FHA Guidelines, fha mortgage insurance premiums, first time buyer, Loan Limits for FHA

Buying a Home/U.S. Department of Housing and Urban Development (HUD)

Buying a Home/U.S. Department of Housing and Urban Development (HUD).

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Buying a Home

Thinking about buying a home? We have information that can help! Got questions? Talk to one of ourhousing counselors!

1. Figure out how much you can afford
What you can afford depends on your income, credit rating, current monthly expenses, downpayment and the interest rate.

Homebuying programs in your state

2. Know your rights

3. Shop for a loan

4. Learn about homebuying programs

Homebuying programs in your state
Let FHA help you (FHA loan programs offer lower downpayments and are a good option for first-time homebuyers!)
HUD’s special homebuying programs
- Good Neighbor Next Door(formerly known as Teacher/Officer/Firefighter Next Door)
- Hurricane Evacuees discounted sales
- Homeownership for public housing residents
- Indian Home Loan Guarantee Program(Section 184)

5. Shop for a home

Choose a real estate agent
Wish list – what features do you want?
Home-shopping checklist? take this list with you when comparing homes
Homes for sale(including HUD homes)
“Fixer-Uppers – home purchase and repair programs
Manufactured (mobile) homes
Build a home

6. Make an offer

Making an offer

7. Get a home inspection

8. Shop for homeowners insurance

9. Sign papers
You’re finally ready to go to “settlement” or “closing.” Be sure to read everything before you sign!

Settlement Costs and Helpful Information

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Shopping for Your Home

Shopping for Your Loan

Closing the Deal

May 6, 2012 Kentucky Mortgage Broker Offering FHA, VA, USDA, Conventional, and KHC Down Payment Assistance Home Loans FHA Guidelines, Refinance, Streamline

HUD Streamline Your FHA Mortgage

HUD Streamline Your FHA Mortgage.

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Streamline Your FHA Mortgage

FHA has permitted streamline refinances on insured mortgages since the early 1980s. “Streamline refinance” refers only to the amount of documentation and underwriting that the lender must perform, and does not mean that there are no costs involved in the transaction. The basic requirements of a streamline refinance are:

	The mortgage to be refinanced must already be FHA insured.
	The mortgage to be refinanced should be current (not delinquent).
	The refinance results in a lowering of the borrower’s monthly principal and interest payments, or, under certain circumstances, the conversion of an adjustable rate mortgage (ARM) to a fixed-rate mortgage.
	No cash may be taken out on mortgages refinanced using the streamline refinance process.

Lenders may offer streamline refinances in several ways. Some lenders offer “no cost” refinances (actually, no out-of-pocket expenses to the borrower) by charging a higher rate of interest on the new loan than if the borrower financed or paid the closing costs in cash. From this premium, the lender pays any closing costs that are incurred on the transaction. FHA does not allow lenders to include closing costs in the new mortgage amount of a streamline refinance. Investment properties (properties which the borrower does not occupy as his or her principal residence) may only be refinanced without an appraisal.

Detailed instructions to the lenders are contained in HUD Handbook 4155.1.6.C.

Contact your lender to get started. You can find your lenders contact information by clicking on ourList of approved lenders.

September 13, 2011 Kentucky Mortgage Broker Offering FHA, VA, USDA, Conventional, and KHC Down Payment Assistance Home Loans Kentucky State Mortgage Rates, Rates Today

Current Louisville Kentucky Mortgage Rates for today

Current Louisville Kentucky Mortgage Rates for today.

May 17, 2011October 6, 2014 Kentucky Mortgage Broker Offering FHA, VA, USDA, Conventional, and KHC Down Payment Assistance Home Loans back to work program FHA KY, Down payment assistance, FHA, FHA Co-signors, first time buyer, First Time Home Buyer, Gift funds, Grants And Down payment Assistance, Homeownership Assistance Programs: Kentucky, Kentucky FHA HUD Homes for $100 Down, Kentucky FHA Important Links, KY FHA LOANS, Loan Limits for FHA, louisville ky fha seller contributions, Louisville Ky Home Loans

Down-payment Assistance Programs Louisville and Kentucky

Down-payment Assistance Programs Louisville and Kentucky.

May 8, 2011May 8, 2011 Kentucky Mortgage Broker Offering FHA, VA, USDA, Conventional, and KHC Down Payment Assistance Home Loans Loan Limits for FHA

Kentucky FHA Mortgage Loan Limits

KENTUCKY FHA MORTGAGE LOAN LIMITS
Kentucky County	Kentucky MSA	1 UNIT	DUPLEX	TRIPLEX	4 UNIT	Median Sale Price	Last Revised	Limit Year	MSA Code	Division	Code
ADAIR	NON-METRO	$271,050	$347,000	$419,425	$521,250	$73,000	1/1/2010	CY2011	99999		1
ALLEN	NON-METRO	$271,050	$347,000	$419,425	$521,250	$89,000	1/1/2010	CY2011	99999		3
ANDERSON	FRANKFORT, KY (MICRO)	$271,050	$347,000	$419,425	$521,250	$115,000	1/1/2010	CY2011	23180		5
BALLARD	PADUCAH, KY-IL (MICRO)	$271,050	$347,000	$419,425	$521,250	$83,000	1/1/2010	CY2011	37140		7
BARREN	GLASGOW, KY (MICRO)	$271,050	$347,000	$419,425	$521,250	$105,000	1/1/2010	CY2011	23980		9
BATH	MOUNT STERLING, KY (MICRO)	$271,050	$347,000	$419,425	$521,250	$85,000	1/1/2010	CY2011	34460		11
BELL	MIDDLESBOROUGH, KY (MICRO)	$271,050	$347,000	$419,425	$521,250	$67,000	1/1/2010	CY2011	33180		13
BOONE	CINCINNATI-MIDDLETOWN, OH-KY-IN (MSA)	$337,500	$432,050	$522,250	$649,050	$187,000	1/1/2009	CY2011	17140		15
BOURBON	LEXINGTON-FAYETTE, KY (MSA)	$271,050	$347,000	$419,425	$521,250	$161,000	1/1/2010	CY2011	30460		17
BOYD	HUNTINGTON-ASHLAND, WV-KY-OH (MSA)	$271,050	$347,000	$419,425	$521,250	$115,000	1/1/2010	CY2011	26580		19
BOYLE	DANVILLE, KY (MICRO)	$271,050	$347,000	$419,425	$521,250	$114,000	1/1/2010	CY2011	19220		21
BRACKEN	CINCINNATI-MIDDLETOWN, OH-KY-IN (MSA)	$337,500	$432,050	$522,250	$649,050	$187,000	1/1/2009	CY2011	17140		23
BREATHITT	NON-METRO	$271,050	$347,000	$419,425	$521,250	$51,000	1/1/2010	CY2011	99999		25
BRECKINRIDGE	NON-METRO	$271,050	$347,000	$419,425	$521,250	$60,000	1/1/2010	CY2011	99999		27
BULLITT	LOUISVILLE-JEFFERON COUNTY, KY-IN (MSA)	$302,500	$387,250	$468,100	$581,750	$229,000	1/1/2009	CY2011	31140		29
BUTLER	NON-METRO	$271,050	$347,000	$419,425	$521,250	$85,000	1/1/2010	CY2011	99999		31
CALDWELL	NON-METRO	$271,050	$347,000	$419,425	$521,250	$58,000	1/1/2010	CY2011	99999		33
CALLOWAY	MURRAY, KY (MICRO)	$271,050	$347,000	$419,425	$521,250	$95,000	1/1/2010	CY2011	34660		35
CAMPBELL	CINCINNATI-MIDDLETOWN, OH-KY-IN (MSA)	$337,500	$432,050	$522,250	$649,050	$187,000	1/1/2009	CY2011	17140		37
CARLISLE	NON-METRO	$271,050	$347,000	$419,425	$521,250	$69,000	1/1/2010	CY2011	99999		39
CARROLL	NON-METRO	$271,050	$347,000	$419,425	$521,250	$92,000	1/1/2010	CY2011	99999		41
CARTER	NON-METRO	$271,050	$347,000	$419,425	$521,250	$74,000	1/1/2010	CY2011	99999		43
CASEY	NON-METRO	$271,050	$347,000	$419,425	$521,250	$54,000	1/1/2010	CY2011	99999		45
CHRISTIAN	CLARKSVILLE, TN-KY (MSA)	$271,050	$347,000	$419,425	$521,250	$136,000	1/1/2010	CY2011	17300		47
CLARK	LEXINGTON-FAYETTE, KY (MSA)	$271,050	$347,000	$419,425	$521,250	$161,000	1/1/2010	CY2011	30460		49
CLAY	NON-METRO	$271,050	$347,000	$419,425	$521,250	$20,000	1/1/2010	CY2011	99999		51
CLINTON	NON-METRO	$271,050	$347,000	$419,425	$521,250	$33,000	1/1/2010	CY2011	99999		53
CRITTENDEN	NON-METRO	$271,050	$347,000	$419,425	$521,250	$46,000	1/1/2010	CY2011	99999		55
CUMBERLAND	NON-METRO	$271,050	$347,000	$419,425	$521,250	$59,000	1/1/2010	CY2011	99999		57
DAVIESS	OWENSBORO, KY (MSA)	$271,050	$347,000	$419,425	$521,250	$48,000	1/1/2010	CY2011	36980		59
EDMONSON	BOWLING GREEN, KY (MSA)	$271,050	$347,000	$419,425	$521,250	$153,000	1/1/2010	CY2011	14540		61
ELLIOTT	NON-METRO	$271,050	$347,000	$419,425	$521,250	$60,000	1/1/2010	CY2011	99999		63
ESTILL	NON-METRO	$271,050	$347,000	$419,425	$521,250	$80,000	1/1/2010	CY2011	99999		65
FAYETTE	LEXINGTON-FAYETTE, KY (MSA)	$271,050	$347,000	$419,425	$521,250	$161,000	1/1/2010	CY2011	30460		67
FLEMING	NON-METRO	$271,050	$347,000	$419,425	$521,250	$30,000	1/1/2010	CY2011	99999		69
FLOYD	NON-METRO	$271,050	$347,000	$419,425	$521,250	$68,000	1/1/2010	CY2011	99999		71
FRANKLIN	FRANKFORT, KY (MICRO)	$271,050	$347,000	$419,425	$521,250	$115,000	1/1/2010	CY2011	23180		73
FULTON	UNION CITY, TN-KY (MICRO)	$271,050	$347,000	$419,425	$521,250	$55,000	1/1/2010	CY2011	46460		75
GALLATIN	CINCINNATI-MIDDLETOWN, OH-KY-IN (MSA)	$337,500	$432,050	$522,250	$649,050	$187,000	1/1/2009	CY2011	17140		77
GARRARD	NON-METRO	$271,050	$347,000	$419,425	$521,250	$92,000	1/1/2010	CY2011	99999		79
GRANT	CINCINNATI-MIDDLETOWN, OH-KY-IN (MSA)	$337,500	$432,050	$522,250	$649,050	$187,000	1/1/2009	CY2011	17140		81
GRAVES	MAYFIELD, KY (MICRO)	$271,050	$347,000	$419,425	$521,250	$71,000	1/1/2010	CY2011	32460		83
GRAYSON	NON-METRO	$271,050	$347,000	$419,425	$521,250	$76,000	1/1/2010	CY2011	99999		85
GREEN	NON-METRO	$271,050	$347,000	$419,425	$521,250	$57,000	1/1/2010	CY2011	99999		87
GREENUP	HUNTINGTON-ASHLAND, WV-KY-OH (MSA)	$271,050	$347,000	$419,425	$521,250	$115,000	1/1/2010	CY2011	26580		89
HANCOCK	OWENSBORO, KY (MSA)	$271,050	$347,000	$419,425	$521,250	$48,000	1/1/2010	CY2011	36980		91
HARDIN	ELIZABETHTOWN, KY (MSA)	$271,050	$347,000	$419,425	$521,250	$125,000	1/1/2010	CY2011	21060		93
HARLAN	NON-METRO	$271,050	$347,000	$419,425	$521,250	$50,000	1/1/2010	CY2011	99999		95
HARRISON	NON-METRO	$271,050	$347,000	$419,425	$521,250	$70,000	1/1/2010	CY2011	99999		97
HART	NON-METRO	$271,050	$347,000	$419,425	$521,250	$84,000	1/1/2010	CY2011	99999		99
HENDERSON	EVANSVILLE, IN-KY (MSA)	$271,050	$347,000	$419,425	$521,250	$154,000	1/1/2010	CY2011	21780		101
HENRY	LOUISVILLE-JEFFERON COUNTY, KY-IN (MSA)	$302,500	$387,250	$468,100	$581,750	$229,000	1/1/2009	CY2011	31140		103
HICKMAN	NON-METRO	$271,050	$347,000	$419,425	$521,250	$29,000	1/1/2010	CY2011	99999		105
HOPKINS	MADISONVILLE, KY (MICRO)	$271,050	$347,000	$419,425	$521,250	$80,000	1/1/2010	CY2011	31580		107
JACKSON	NON-METRO	$271,050	$347,000	$419,425	$521,250	$62,000	1/1/2010	CY2011	99999		109
JEFFERSON	LOUISVILLE-JEFFERON COUNTY, KY-IN (MSA)	$302,500	$387,250	$468,100	$581,750	$229,000	1/1/2009	CY2011	31140		111
JESSAMINE	LEXINGTON-FAYETTE, KY (MSA)	$271,050	$347,000	$419,425	$521,250	$161,000	1/1/2010	CY2011	30460		113
JOHNSON	NON-METRO	$271,050	$347,000	$419,425	$521,250	$79,000	1/1/2010	CY2011	99999		115
KENTON	CINCINNATI-MIDDLETOWN, OH-KY-IN (MSA)	$337,500	$432,050	$522,250	$649,050	$187,000	1/1/2009	CY2011	17140		117
KNOTT	NON-METRO	$271,050	$347,000	$419,425	$521,250	$73,000	1/1/2010	CY2011	99999		119
KNOX	NON-METRO	$271,050	$347,000	$419,425	$521,250	$79,000	1/1/2010	CY2011	99999		121
LARUE	ELIZABETHTOWN, KY (MSA)	$271,050	$347,000	$419,425	$521,250	$125,000	1/1/2010	CY2011	21060		123
LAUREL	LONDON, KY (MICRO)	$271,050	$347,000	$419,425	$521,250	$88,000	1/1/2010	CY2011	30940		125
LAWRENCE	NON-METRO	$271,050	$347,000	$419,425	$521,250	$61,000	1/1/2010	CY2011	99999		127
LEE	NON-METRO	$271,050	$347,000	$419,425	$521,250	$59,000	1/1/2010	CY2011	99999		129
LESLIE	NON-METRO	$271,050	$347,000	$419,425	$521,250	$66,000	1/1/2010	CY2011	99999		131
LETCHER	NON-METRO	$271,050	$347,000	$419,425	$521,250	$56,000	1/1/2010	CY2011	99999		133
LEWIS	MAYSVILLE, KY (MICRO)	$271,050	$347,000	$419,425	$521,250	$104,000	1/1/2010	CY2011	32500		135
LINCOLN	DANVILLE, KY (MICRO)	$271,050	$347,000	$419,425	$521,250	$114,000	1/1/2010	CY2011	19220		137
LIVINGSTON	PADUCAH, KY-IL (MICRO)	$271,050	$347,000	$419,425	$521,250	$83,000	1/1/2010	CY2011	37140		139
LOGAN	NON-METRO	$271,050	$347,000	$419,425	$521,250	$70,000	1/1/2010	CY2011	99999		141
LYON	NON-METRO	$271,050	$347,000	$419,425	$521,250	$68,000	1/1/2010	CY2011	99999		143
MADISON	RICHMOND-BEREA, KY (MICRO)	$271,050	$347,000	$419,425	$521,250	$133,000	1/1/2010	CY2011	40080		151
MAGOFFIN	NON-METRO	$271,050	$347,000	$419,425	$521,250	$68,000	1/1/2010	CY2011	99999		153
MARION	NON-METRO	$271,050	$347,000	$419,425	$521,250	$59,000	1/1/2010	CY2011	99999		155
MARSHALL	NON-METRO	$271,050	$347,000	$419,425	$521,250	$97,000	1/1/2010	CY2011	99999		157
MARTIN	NON-METRO	$271,050	$347,000	$419,425	$521,250	$80,000	1/1/2010	CY2011	99999		159
MASON	MAYSVILLE, KY (MICRO)	$271,050	$347,000	$419,425	$521,250	$104,000	1/1/2010	CY2011	32500		161
MCCRACKEN	PADUCAH, KY-IL (MICRO)	$271,050	$347,000	$419,425	$521,250	$83,000	1/1/2010	CY2011	37140		145
MCCREARY	NON-METRO	$271,050	$347,000	$419,425	$521,250	$43,000	1/1/2010	CY2011	99999		147
MCLEAN	OWENSBORO, KY (MSA)	$271,050	$347,000	$419,425	$521,250	$48,000	1/1/2010	CY2011	36980		149
MEADE	LOUISVILLE-JEFFERON COUNTY, KY-IN (MSA)	$302,500	$387,250	$468,100	$581,750	$229,000	1/1/2009	CY2011	31140		163
MENIFEE	MOUNT STERLING, KY (MICRO)	$271,050	$347,000	$419,425	$521,250	$85,000	1/1/2010	CY2011	34460		165
MERCER	NON-METRO	$271,050	$347,000	$419,425	$521,250	$102,000	1/1/2010	CY2011	99999		167
METCALFE	GLASGOW, KY (MICRO)	$271,050	$347,000	$419,425	$521,250	$105,000	1/1/2010	CY2011	23980		169
MONROE	NON-METRO	$271,050	$347,000	$419,425	$521,250	$30,000	1/1/2010	CY2011	99999		171
MONTGOMERY	MOUNT STERLING, KY (MICRO)	$271,050	$347,000	$419,425	$521,250	$85,000	1/1/2010	CY2011	34460		173
MORGAN	NON-METRO	$271,050	$347,000	$419,425	$521,250	$71,000	1/1/2010	CY2011	99999		175
MUHLENBERG	CENTRAL CITY, KY (MICRO)	$271,050	$347,000	$419,425	$521,250	$70,000	1/1/2010	CY2011	16420		177
NELSON	LOUISVILLE-JEFFERON COUNTY, KY-IN (MSA)	$302,500	$387,250	$468,100	$581,750	$229,000	1/1/2009	CY2011	31140		179
NICHOLAS	NON-METRO	$271,050	$347,000	$419,425	$521,250	$37,000	1/1/2010	CY2011	99999		181
OHIO	NON-METRO	$271,050	$347,000	$419,425	$521,250	$67,000	1/1/2010	CY2011	99999		183
OLDHAM	LOUISVILLE-JEFFERON COUNTY, KY-IN (MSA)	$302,500	$387,250	$468,100	$581,750	$229,000	1/1/2009	CY2011	31140		185
OWEN	NON-METRO	$271,050	$347,000	$419,425	$521,250	$80,000	1/1/2010	CY2011	99999		187
OWSLEY	NON-METRO	$271,050	$347,000	$419,425	$521,250	$45,000	1/1/2010	CY2011	99999		189
PENDLETON	CINCINNATI-MIDDLETOWN, OH-KY-IN (MSA)	$337,500	$432,050	$522,250	$649,050	$187,000	1/1/2009	CY2011	17140		191
PERRY	NON-METRO	$271,050	$347,000	$419,425	$521,250	$69,000	1/1/2010	CY2011	99999		193
PIKE	NON-METRO	$271,050	$347,000	$419,425	$521,250	$40,000	1/1/2010	CY2011	99999		195
POWELL	NON-METRO	$271,050	$347,000	$419,425	$521,250	$72,000	1/1/2010	CY2011	99999		197
PULASKI	SOMERSET, KY (MICRO)	$271,050	$347,000	$419,425	$521,250	$86,000	1/1/2010	CY2011	43700		199
ROBERTSON	NON-METRO	$271,050	$347,000	$419,425	$521,250	$77,000	1/1/2010	CY2011	99999		201
ROCKCASTLE	RICHMOND-BEREA, KY (MICRO)	$271,050	$347,000	$419,425	$521,250	$133,000	1/1/2010	CY2011	40080		203
ROWAN	NON-METRO	$271,050	$347,000	$419,425	$521,250	$37,000	1/1/2010	CY2011	99999		205
RUSSELL	NON-METRO	$271,050	$347,000	$419,425	$521,250	$73,000	1/1/2010	CY2011	99999		207
SCOTT	LEXINGTON-FAYETTE, KY (MSA)	$271,050	$347,000	$419,425	$521,250	$161,000	1/1/2010	CY2011	30460		209
SHELBY	LOUISVILLE-JEFFERON COUNTY, KY-IN (MSA)	$302,500	$387,250	$468,100	$581,750	$229,000	1/1/2009	CY2011	31140		211
SIMPSON	NON-METRO	$271,050	$347,000	$419,425	$521,250	$89,000	1/1/2010	CY2011	99999		213
SPENCER	LOUISVILLE-JEFFERON COUNTY, KY-IN (MSA)	$302,500	$387,250	$468,100	$581,750	$229,000	1/1/2009	CY2011	31140		215
TAYLOR	CAMPBELLSVILLE, KY (MICRO)	$271,050	$347,000	$419,425	$521,250	$77,000	1/1/2010	CY2011	15820		217
TODD	NON-METRO	$271,050	$347,000	$419,425	$521,250	$87,000	1/1/2010	CY2011	99999		219
TRIGG	CLARKSVILLE, TN-KY (MSA)	$271,050	$347,000	$419,425	$521,250	$136,000	1/1/2010	CY2011	17300		221
TRIMBLE	LOUISVILLE-JEFFERON COUNTY, KY-IN (MSA)	$302,500	$387,250	$468,100	$581,750	$229,000	1/1/2009	CY2011	31140		223
UNION	NON-METRO	$271,050	$347,000	$419,425	$521,250	$40,000	1/1/2010	CY2011	99999		225
WARREN	BOWLING GREEN, KY (MSA)	$271,050	$347,000	$419,425	$521,250	$153,000	1/1/2010	CY2011	14540		227
WASHINGTON	NON-METRO	$271,050	$347,000	$419,425	$521,250	$103,000	1/1/2010	CY2011	99999		229
WAYNE	NON-METRO	$271,050	$347,000	$419,425	$521,250	$69,000	1/1/2010	CY2011	99999		231
WEBSTER	EVANSVILLE, IN-KY (MSA)	$271,050	$347,000	$419,425	$521,250	$154,000	1/1/2010	CY2011	21780		233
WHITLEY	CORBIN, KY (MICRO)	$271,050	$347,000	$419,425	$521,250	$36,000	1/1/2010	CY2011	18340		235
WOLFE	NON-METRO	$271,050	$347,000	$419,425	$521,250	$52,000	1/1/2010	CY2011	99999		237
WOODFORD	LEXINGTON-FAYETTE, KY (MSA)	$271,050	$347,000	$419,425	$521,250	$161,000	1/1/2010	CY2011	30460		239

FHA MORTGAGE LIMITS

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Customer Testimonials

We just moved here the first of January in 2017 from Ohio to the Louisville, KY area and we found Joel’s website online. He was quick to respond to us and got back the same day on our loan approval. He was very knowledgeable about the local market and kept us up-to date throughout the loan process and was a pleasure to meet at closing. Would recommend his services.

Angela Forsythe

“We were searching online for mortgage companies in Louisville, Ky locally to deal with and found Joel’s website, and it was a godsend. He was great to work with, and delivered on everything he said he would do. I ended up referring my co-worker at UPS, and she was very pleased with his service and rates too. Would definitely vouch for him.” September 2016

Monica Leinhardt

“We contacted Joel back in July 2011 to refinance our Mortgage and he was great to work with. We contacted several lenders locally and online, and most where taking almost 60 days to close a refinance, Joel got it done in 23 days start to finish,I would definitely recommend him. He got us 3.75% with just $900 in closing costs on our FHA Streamline loan.

Kayle Griffin

“Joel is one of the best Mortgage Brokers I have ever worked with in my sixteen years in the real estate and mortgage business.” May 25, 2010

Tim Beck

“Joel has always worked very hard to keep his word and to work out seasonable solutions to difficult problems. He is truly an expert in FHA and other type loans.” September 1, 2010

Nancy Nalley

“I have worked with Joel since 1998. He is a great loan professional.” I refer most of my Louisville, Kentucky area home buyers to him and he always take special care of them. August 23, 2012

Jon ClarK
“Joel Lobb is a real professional in the lending industry, with many years of experience, he is the one to go to for any mortgage lending needs.” August 22, 2011

RICHARD VOLZ , Residential Sales , Remax Foursquare Realty

“When looking to purchase our new home in 2006, I had the pleasure of meeting Joel Lobb. Not only was he personable and easy to reach, he was extremely knowledgable in his field and made sure to find us the best rate and a top notch mortgage company. We were able to complete the process in less than 3 weeks with his expertise. I find Joel to have the utmost high integrity and I recommend him to anyone who say’s they are need of mortgage assistance. He is also fantastic and keeping everyone up to date on the latest in the housing industry through his twitter posts. He provided great results for our family and we still communicate to this day!” August 21, 2010

Stacie Drake

“We first use Joel on our new home purchase in 2007 in St Matthews, Kentucky area and he was great to work with. We have since refinanced our home with him in 2010 when rates got really low and he has always delivered on what he says. I could not imagine using anyone else.”

Melody Glasscock March 2014

Absolutely Amazing!! I emailed Joel after I had just got a denial from a bank and just thought i would try to get some advice on what my next steps would be to get a house. I honestly didn’t expect to even get a reply because my credit is not great. That was about a week and a half ago. I just signed a contract on a house last night. ONLY because of Joel Lobb. He even worked with us throughout the weekend, which shocked me. Best decision I have ever made. THANK YOU SO MUCH FOR WORKING WITH US THROUGHOUT THE ENTIRE PROCESS.

Cee Bellisle August 2017

Contacted him about buying a home and he was great to work with. I was moving to Louisville Ky to take a new job and he walked me through the entire process. He explained to me all the different options for FHA, VA, USDA mortgage loans and credit score requirements versus Fannie Mae. Since I was a first time home buyer I needed alot of help and guidance. I would definitely recommend him. Fast to respond and available to answer questions that I or my realtor had after hours.

Anderson Johnson June 2018

We moved from Michigan to Northern Kentucky area and we were really impressed. We got a USDA loan no money down and closed in less than 3.5 weeks. We shopped around online with other lenders but Joel was always first to respond and his rates were just a little better than other lenders. He kept us informed through the process along with our realtor and there was absolutely no surprises like we heard from other co-workers and friends that they experienced in their loan process. We have already referred another co-worker to Joel . He’s AWESOME!

Patty Kingston

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. This website participates as an Equal Opportunity Lender. All rights Reserved. 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.

Disclaimer: No statement on this site is a commitment to make a loan. Loans are subject to borrower qualifications, including income, property evaluation, sufficient equity in the home to meet Loan-to-Value requirements, and final credit approval. Approvals are subject to underwriting guidelines, interest rates, and program guidelines and are subject to change without notice based on applicant’s eligibility and market conditions. Refinancing an existing loan may result in total finance charges being higher over the life of a loan. Reduction in payments may reflect a longer loan term. Terms of any loan may be subject to payment of points and fees by the applicant Equal Opportunity Lender. NMLS#57916 http://www.nmlsconsumeraccess.org/

— Some products and services may not be available in all states. Credit and collateral are subject to approval. Terms and conditions apply. This is not a commitment to lend. Programs, rates, terms and conditions are subject to change without notice. The content in this marketing advertisement has not been approved, reviewed, sponsored or endorsed by any department or government agency. Rates are subject to change and are subject to borrower(s) qualification.

This policy is valid from 11 July 2013 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.

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. This website participates as an Equal Opportunity Lender. All rights Reserved. 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.

Privacy Policy We take our clients' financial privacy very seriously. During the course of processing your application, we accumulate non-public personal financial information from you and from other sources about your income, your assets, and your credit history in order to allow a lender to make an informed decision about granting you credit. We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your nonpublic personal information. We collect nonpublic information about you from the following sources: (i) information we receive from you on applications or other forms; (ii) information about your transactions with us, our affiliates, or others; and (iii) information we receive from a consumer reporting agency. We do not disclose any nonpublic information about our customers or former customers to any third party, except as permitted by law.

Shopping for Your Home

Shopping for Your Loan

Closing the Deal

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