Category Archives: mortgage tips

December 29, 2016
Louisville Kentucky Mortgage
$10,000 Down Payment Assistance Grant Kentucky, $100 Down FHA Mortgage, 100% Financing, 100% financing Kentucky Home Loan, 2017 Kentucky First Time Home Buyer Loan Programs, 401k, affordable housing, Application Document Checklist for Approval, Application for Mortgage Pre Approval, Common Questions from Kentucky First-time Homebuyers, Credit Score First Time Home Buyer Louisville Kentucky KHC, Credit Scoresrequired for KHC, Current Mortgage Rates in KY, debt ratios, Debt to Income Ratio, Documents needed for Kentucky Mortgage Loan Approval, Fannie Mae Homepath, Fannie Mae New Lending Guidelines for Kentucky, FHA Home Loans in Kentucky, fha refinance, FHA vs Conventional Credit Scores and Down Payment, FHA/VA Louisville Kentucky, 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, Good Faith Estimate 2010 for Kentucky Home Buyers, Grants, Home Buying And Down Payment Assistance Programs In Kentucky, home inspection, home ownership program louisville ky, HomePath Fannie Mae, Housing Market in Kentucky, 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, inspections for home, Kentucky Fannie Mae REO Homes For Sale - HomePath.com, Kentucky FHA loan requirements - 2010, Kentucky Foreclosed Homes Link, 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 Rates FHA VA KHC, Kentucky Mortgage Refinance Questions to ask, Kentucky USDA Loan Adjusted Maximum Income Limits by County, Kentucky USDA Loans, Kentucky USDA/Rural Housing Areas, KHC Down payment Assistance Program Kentucky Housing, KHC Kentucky Housing, KHC Mortgage Interest Rates, KHC Mortgage Rates / Kentucky Housing Rates, KHC RATES, Lending limits for FHA loans insured for KENTUCKY counties., lock-in rate, Louisville First Time Buyer Mortgages, Louisville First Time Buyers, Louisville Kentucky FHA Loans Lexington Kentucky FHA LoansElizabethtown Kentucky FHA Loans, Louisville Kentucky First Time Home Buyer, Louisville Ky First Time Home Buyer Loan, Louisville Ky First Time Home Buyers, Manual Underwriting, Mortgage Industry Links, Mortgage Insurance, Mortgage Insurance FHA, mortgage rates, Mortgage Rates Currently, mortgage tips, no down payment, No money down mortgage Louisville Kentucky Kentucky housing corp 30 year fixed, PMI, points and fees, Private Mortgage Insurance, QUICK GUIDE for Kentucky USDA Rural Development Housing Loan, rapid rescore, rate lock, Refinance Fannie Mae Loan, Rural Deveoplment, Rural Housing Loans No Money Down Program, Specializing in Louisville First Time Buyer Loans, Tips to ensure your Kentucky mortgage closes smoothly, Today Kentucky State Mortgage Rates, usda, USDA No money down mortgage Louisville Kentucky Kentucky housing corp 30 year fixed, VA Loan, VA Loan REquirements for Kentucky, VA loans, Welcome home Programs 2012, What NOT To Do After You Apply for a Kentucky Mortgage Loan Approval
4 Comments

Kentucky First Time Home Buyer Questions to Ask Your Lender?

Kentucky First Time Home Buyer Questions to Ask Your Lender? ∘ What kind of credit score do I need to qualify for different first time home buyer loans in Kentucky? Answer. Most lenders will wants a middle credit score of 640 for KY First Time Home Buyers looking to go no money down. The two […]
Read More »

Mortgage Tips

Mortgage Tips. via Mortgage Tips. Tips to ensure your mortgage closes smoothly: Credit Cards / New debt: Once you have applied for a mortgage, do not apply for new debt or credit cards, even if you do not plan to use them until after settlement. When you buy a home, you will undoubtedly buy […]
Read More »

Title Insurance Information

Stewart Title Guaranty Companytitle reportSenior LoanLouisville, KYinsurance policiesinsuredchain of titlehome ownerLeaseholdLoan OfficerHurstbournelegal descriptionproperty

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. We had an offer on a house and needed to close asap on our home in Fern Creek. 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 2015 to refinance our Mortgage and he was great to work with. We contacted several lenders locally and online, and most were 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, 2012

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, 2011

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, 2009

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 2011 when rates got really low and he has always delivered on what he says. I could not imagine using anyone else."

Melody Glasscock

A little about me

As a life-long Kentucky resident, I have helped over 579 Kentucky families buy or refinance their home over the last 17 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 get you the best deal out there, 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. My rates and fees are just as good or better than local banks and 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 2 hours and get your loan closed within 15 days. Give us a try or let us compare what you have now. Call me or text me locally anywhere in KY at 502-905-3708; this is my personal cell phone and I carry it on me at all times. Free credit reports and approvals.

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.

Louisville Kentucky Mortgage

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. This website is not an government agency, and does not officially represent the HUD, VA, USDA or FHA or any other government agency. NMLS# 57916 http://www.nmlsconsumeraccess.org/ Joel Lobb Senior Loan Officer (NMLS#57916) American Mortgage Solutions, Inc. 800 Stone Creek Pkwy, Ste 7, Louisville, KY 40223 phone: (502) 905-3708 Fax: (502) 327-9119 kentuckyloan@gmail.com Company ID #1364 | MB73346 http://mylouisvillekentuckymortgage.com Equal Housing Lender

Personal Links

Check out more info here

Verified Services

View Full Profile →

Kentucky First Time Home Buyer Programs for 2017 FHA, VA, KHC, USDA, RHS, Fannie Mae Loans in Kentucky

A Kentucky Mortgage Loan Officer specializing in FHA, VA, USDA, First Time Buyers and KHC. This website is not an government agency, and does not officially represent the HUD, VA, USDA. FHA, Fannie Mae or any other government agency. NMLS# 57916 Equal Housing Lender

Category Archives: mortgage tips

Kentucky First Time Home Buyer Questions to Ask Your Lender?

Mortgage Tips

Title Insurance Information