Louisville Kentucky First Time Home Buyer Classes

Classes for Louisville, Kentucky Homebuyers

Consumer Credit Counseling Service

 (502) 458-8840

2100 Gardiner Lane, Suite 103A 1-800-278-9219 (toll-free)

Louisville, KY 40205


Since 1980, Consumer Credit Counseling Service has been a HUD approved

counseling agency. Many lenders look for this stamp of approval

in deciding where to send their customers for counseling. Consumer

Credit Counseling Service not only provides the one-on-one counseling

often required by lenders, but it offers a one-day Homebuyer Preparedness

Program. This free program covers such topics as working with a

real estate agent, finding a lender, figuring out how much you can afford

to spend and going through the application process. The agency is certified

by HUD to provide default and reverse equity mortgage counseling,

too. Counseling on debt management and budgets also is available. The

initial counseling session is free. Consumer Credit has six sites throughout

the area.

The Housing Partnership, Inc.

 (502) 585-5451

333 Guthrie Green, Suite 404 www.housingpartnershipinc.org

Louisville, KY 40202

The Housing Partnership, Inc. Home Ownership Program is the largest

HUD-certified program in Kentucky. The program provides counseling,

courses and other services to those who want to own a home. It also

provides counseling to home owners who are in danger of default. Participants

attend an orientation session before being assigned a counselor,

who provides information on budgeting and credit preparation. Participants

then must complete several short courses over six weeks. These

courses cover basics, such as sales contracts, home inspections, mortgage

loans, insurance and maintenance. A one-time fee based on income may

be assessed. Scholarships are available. The fee entitles participants to

a lifetime of service. Home buyers often come back for help on budget

and credit issues. The Housing Partnership has five satellite locations

scattered throughout the area, including two nearby in Indiana.

Kentucky Housing Corp.

(502) 564-7630, ext. 324

1231 Louisville Road 1-800-633-8896 (Kentucky only)

Frankfort, KY 40601 www.kyhousing.org

The “Yes You Can…Own a Home” series of classes is presented periodically

throughout the state by local lenders and nonprofit organizations.

Local coordinators team up with housing-related professionals

who volunteer their time to serve as instructors. Topics include finding

the right house, completing a loan application, the mortgage loan process,

budget and credit issues and basic home maintenance. The classes

are free and open to all. In addition, the agency offers a counseling

program for potential home buyers who have been declined financing

by the Kentucky Housing Corp. or by a KHC-approved lender or who

have completed the “Yes You Can” course and are within KHC’s income

limits. As the state housing-finance agency, the Kentucky Housing

Corp. also offers a down-payment assistance program, low-interest-rate

mortgages, financing for the production of rental housing and a variety

of rental assistance programs.

Louisville Urban League

 (502) 561-6830, ext. 122

1535 W. Broadway www.lul.org

Louisville, KY 40203

The Louisville Urban League Housing Services & Neighborhood

Revitalization Department offers the Home Ownership Training (HOT)

Program. Through individual and group counseling, HOT prepares

and prequalifies people for mortgages. In one-on-one sessions with a

certified HUD counselor, clients learn about budgeting, credit and home

ownership options. When financially ready (clean credit, steady budget

and savings), clients take four classes. These cover sales and purchase

contracts, inspections and maintenance, loan applications and closing,

and insurance. Classes are held the last two Tuesday and Thursday

nights of the month. Those who already save, budget and have established

good credit are eligible for a “fast track” version of this training—a

one-day group session called “Home Track.” The Urban League charges

a lifetime membership fee, which is set on a sliding scale, based on

income. The fee ranges from $100 to $250. Kentucky residency is not

required. Additional counseling is available on such issues as reverse

mortgages, delinquencies, refinancing and rental options.

f you’re thinking about buying a home, you might want to think

about talking to one of these agencies first. They can provide

you with valuable advice on every step of the process, from

budgeting your income to negotiating a contract to closing on a

loan. The assistance doesn’t stop once you’ve moved in; many

agencies will also give you guidance on how to maintain your

home and how to prevent foreclosure. Most of these agencies

provide their services at no charge. Usually, anyone can

take advantage of the programs, although they are aimed primarily at

first-time buyers. In some cases, counseling is required by lenders,

especially if any government assistance is being provided to help lower

a loan rate or help pay for closing costs. All of the agencies will provide

interpreters for those who don’t speak English.


Joel Lobb (NMLS#57916)
Senior  Loan Officer
American Mortgage Solutions, Inc.
10602 Timberwood Circle Suite 3
Louisville, KY 40223
Company ID #1364 | MB73346

Text/call 502-905-3708

If you are an individual with disabilities who needs accommodation, or you are having difficulty using our website to apply for a loan, please contact us at 502-905-3708.   
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#57916http://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.

Author: Louisville Kentucky Mortgage Broker Offering FHA, VA, USDA, Conventional, and KHC Zero Down Payment Home Loans

I have helped over 589 Kentucky families buy or refinance their home over the last 18 years. Realizing that this is one of the biggest, most important financial transactions a family makes during their lifetime, I always feel honored and respected when I am chosen to originate their personal home loan. You can count on me to deliver on what I say, and I will always give you honest, up-front personal attention you deserve during the loan process. I have several advantages over the large banks in town. First, I can search and negotiate for your loan options through several different mortgage companies across the country to get you the best deal locally. Where most banks will offer offer you their one set of loan products. I have access to over 10 different mortgage companies to broker your loan through to get you the best pricing and loan products that may not fit into the bank's program due to credit, income, or other underwriting issues. You will not get lost in the shuffle like most borrowers do at the mega banks; you're just not a number at our company, you are a person and we will treat you like one throughout the entire process. Give us a try or let us compare your options on your next mortgage transaction. Call me locally at 502-905-3708. Free Mortgage Pre-Qualifications same day on most applications. Email me at kentuckyloan@gmail.com with your questions I specialize in Kentucky FHA, VA ,USDA, KHC, Conventional and Jumbo mortgage loans. I am based out of Louisville Kentucky. For the first time buyer with little money down, we offer Kentucky Housing or KHC loans with down payment assistance. 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 definetly recommmend 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 April 2018 Wow, what a great loan officer. I was referred to him by our agent and he was great to work with. We used him for a USDA no money down loan in Shelby County and we were really impressed. We were afraid we could not buy a home since we did not have money saved for a down payment, but Joe l was able to get us a zero down loan and we even got our appraisal fee and good faith deposit back at closing. We actually got money back at closing!!! I Can't think him enough. Our family moved from our apartment in the south end of town to get our own home with 5 acres for our kids and 2 dogs, at a payment that is equal to our rent payment also. .Thanks Again Joel. May god bless you Patty Locker We contacted Joel about buying a house on our move from Ohio for my husband's job transfer with Ford. We put a lot of trust in him since we were new to the area and first time home buyers in the Louisville KY market, and he always delivered on what he said. It took us a while to find a home due to the lack of homes, but once we got one, he was always quick to respond our questions via text or email ,and kept us informed through the process. We got to meet him at the closing and he was super nice and even got us a closing gift for our home which we didn't expect at all. Super nice guy 😀!!! I would definitely recommend him for a local Home loan in the Louisville area. pam dolby I got a VA loan with Joel and he was great. He is an ex-army guy so he could relate to my past experiences of being a veteran and moving around the country a lot. I had some credit issues that required a little extra work but Joel was able to find A VA lender to approve my situation as far as having past bad credit problems and a lower credit score. We closed yesterday on our home here in Louisville and we could not be happier. We finally have a home of our own thanks to Joel . I would definitely recommend him for a mortgage loan. Great experience and closed 8 days before expected close date so we were able to move in early. larry summit I contacted Joel about the $10,000 KY Housing Grant last month and we were able to get it and I just closed on my home. He was great to work with and if you are a first time home buyer here in Louisville, I would definitely contact him. I met him at his office and he was very nice and knowledgeable and kept me informed through the process. No surprises either so I was very happy. I am new homeowner thanks to Joel . Joel Lobb Senior Loan Officer American Mortgage Solutions, Inc. 10602 Timberwood Circle Suite 3 Louisville, KY 40223 phone: (502) 905-3708 Fax: (502) 327-9119 kentuckyloan@gmail.com http://www.mylouisvillekentuckymortgage.com/ Company ID #1364 | MB73346E This website is not an government agency, and does not officially represent the HUD, VA, USDA or FHA or any other government agency. http://www.nmlsconsumeraccess.org/ 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. NMLS#57916 http://www.nmlsconsumeraccess.org/ . 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.

5 thoughts on “Louisville Kentucky First Time Home Buyer Classes”

Leave a Reply

Fill in your details below or click an icon to log in:

WordPress.com Logo

You are commenting using your WordPress.com account. Log Out /  Change )

Google photo

You are commenting using your Google account. Log Out /  Change )

Twitter picture

You are commenting using your Twitter account. Log Out /  Change )

Facebook photo

You are commenting using your Facebook account. Log Out /  Change )

Connecting to %s

This site uses Akismet to reduce spam. Learn how your comment data is processed.