I have helped over 589 families buy or refinance their home over the last 13 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; 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 what you have now. Call me locally at 502-905-3708. Free Mortgage Pre-Qualifications same day on most applications.
Email me at firstname.lastname@example.org with your questions
This website is not an government agency, and does not officially represent the HUD, VA, USDA or FHA or any other government agency.
I specialize in Kentucky FHA, VA, USDA, KHC, Jumbo and Fannie Mae Homepath mortgage loans in Ky.
For the first time buyer with little money, Kentucky Housing/KHC offers(zero-down)loans with down payment assistance loan thru KHC
Email me at email@example.com
I compare Kentucky Mortgage Rates daily for your best interest
"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 2013
"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.
“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
“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
“I have worked with Joel since 1998. He is a great loan professional.” August 23, 2010
“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, 2010
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 knowledgeable 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
"We first use Joel on our new home purchase in 2007 in St Matthews and he was great to work with. We have since refinanced our home with him in 2012 when rates got really low and he has always delivered on what he says. I could not imagine using anyone else."
- 100% Financing Zero Down
- 2013 Property Eligibility Changes
- 2013 update mortgage guide
- 2013 USDA Income limits for KY
- 2014 INCOME LIMITS FOR USDA KY LOANS
- 2014 Property Eligibility Map for KY USDA Loans
- 502 Guaranteed Loan
- bank statements
- Bullitt County KY
- Conventional Mortgage Rates Today
- Credit Bad
- credit reports
- credit scores
- Credit Waiver
- Current USDA and RHS Guidelines
- Debt Ratio and Deferred Student Loans
- debt ratios
- Direct Loan USDA
- DIRECT LOANS
- Down Payment and Closing Costs Assistance
- fico scores
- Guaranteed Section 502 Loans
- GUS Accept Findings USDA
- Homes for Sale (Foreclosures owned by USDA/RHS KY
- Homes for Sale in Kentucky by USDA
- INCOME ELIGIBILITY
- Income Limits
- ineligible areas
- Interest Rate Buydowns
- Kentucky FHA
- kentucky first time home buyer
- linkedin profile
- map changes for 2013 Ky USDA homes
- MI Changes for USDA Oct 2011
- Payment Shock
- Property Eligibility Cities
- Property Eligilibity
- Property/Appraisal Requirements for USDA Loan
- Rates Today
- Refinance Pilot Program Streamline
- Rural Development loan
- Self-employed USDA Loans
- Seller Concessions
- septic test
- SFH Direct property
- Student Loans
- Subsidy Recapture
- Swimming Pools for USDA Loans
- Tax Issues and Selling a Home
- USDA /Rural Housing Loan Offices in Ky
- USDA RURAL DEVELOPMENT DIRECT HOUSING LOANS
- USDA/RHS Income limits by Ky Counties
- well test
- Zero Down Home Loans
The content provided on this website is presented or compiled by Joel Lobb and is provided for informational purposes only.
Neither Joel Lobb nor Mortgage 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.
Equal Opportunity Lender. All rights Reserved.
Equal Housing Lender
Equal Housing Lender
Full Disclosure Policy
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 firstname.lastname@example.org 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.
Tag Archives: home loan
Credit Scores Needed to qualify for a Ky Mortgage. via Credit Scores Needed to qualify for a Ky Mortgage.
KENTUCKY RURAL HOUSING INCOME ELIGIBILITY CALCULATION WORKSHEET Kentucky USDA Rural Development Guaranteed Housing Loan Borrower/s ____________________________________________________________ Date of Calculation__________ Total # household members = _________ State:_________________________ County:______________________________ List all non-exempt household income: (Per §1980.347) … Continue reading
Kentucky USDA RHS Rural Housing Mortgage Loans for 2013 Kentucky USDA Rural Program Guidelines Borrower Eligibility U.S. citizens Permanent resident aliens First time homebuyers allowed Maximum 2 borrowers allowed Non-occupant co-borrowers NOT allowed Commitment Fee USDA Rural Developmet charges a 2% … Continue reading
Secretary Announces Refinancing Help for Rural USDA Home Loan Borrowers in Select States | The White House
Secretary Announces Refinancing Help for Rural USDA Home Loan Borrowers in Select States | The White House. via Secretary Announces Refinancing Help for Rural USDA Home Loan Borrowers in Select States | The White House. Related Articles Secretary Announces Refinancing … Continue reading
What You Need To Know About A Mortgage… BEFORE You Get One!!!. via What You Need To Know About A Mortgage… BEFORE You Get One!!!. Related Articles First Time Home Buyer Louisville Kentucky Mortgage Programs (louisvillekymortgage.net) FHA expands mortgage backing … Continue reading
Louisville Kentucky VA Refinance for Cashout, rate and term, and IRRL streamline VA refinance Mortgage
Louisville Kentucky VA Refinance for Cashout, rate and term, and IRRL streamline VA refinance Mortgage. via Louisville Kentucky VA Refinance for Cashout, rate and term, and IRRL streamline VA refinance Mortgage. Related Articles Louisville VA, FHA, USDA, KHC , Fannie … Continue reading
USDA Home Loans for the Self-Employed Looking for a home loan when you are self-employed can be a bit challenging but a USDA loan may be a great option. Many banks and lenders … Continue reading
Understanding and Improving Your Credit Scores. via Understanding and Improving Your Credit Scores. Related Articles You Are Invited to a pool party (theliverguy.wordpress.com) Stuff You Might Want To Put On Your Blog (selfpubauthors.com) What Does Your Developer Need to Know … Continue reading
Kentucky USDA Loans | Rural Housing Loans Kentucky. via Kentucky USDA Loans | Rural Housing Loans Kentucky. “Low Rates and Fast Closings!- Honest, Friendly local advice.” Mortgage Broker or Lender at Key Financial Mortgage of Kentucky NMLS #1800 Louisville, KY … Continue reading
New Rural Housing and USDA Property Eligibility guidelines for Kentucky Cities As of Thursday, March 28, 2013, RHS or Rural Housing Loans will use the 2010 Census Data for Kentucky cities, which will impact certain cities in regards to their eligibility … Continue reading