1 – Email – kentuckyloan@gmail.com 2. Call/Text – 502-905-3708
Joel Lobb
Mortgage Loan Officer – Expert on Kentucky Mortgage Loans
Website: www.mylouisvillekentuckymortgage.com
Address: 911 Barret Ave., Louisville, KY 40204
Evo Mortgage
Company NMLS# 1738461
Personal NMLS# 57916
For assistance with Kentucky mortgage loans, reach out via email, call, or text Joel Lobb directly.
| USDA 620+ MIN FICO NO OVERLAYS!!!!(GUS ACCEPTS AND REFERS) |
 620+ MIN FICO– REFERS AND GUS ACCEPTS!620+ GUS ACCEPTS – NO OVERLAYS – follow GUS findings 101% LTV of appraised value Ratios to 32/44 w/ 620+ and GUS approval w/ comp. factors for debt waiver 0.35% Annual Fee, 1% Guarantee Fee We Accept Transfer Appraisals – No Problem on all loans File sent to RD within 24 Hours of UW clear! File sent to docs within 24 Hours of Receipt of the RD commitment Up to 6% seller concessions allowed 620+ – GUS Accept – must have 2 trades for 12 months(open/closed) – or manual downgrade |
| ____________________GUS Refers___________________ |
| 620 – scores OK!29/41 max ratios VOR or 12 months cancelled rents checks required Tradelines or alt tradelines required Medical collections & charge off accounts ignored – consumer collections follow HUD $2000 guidelines (Call us for details!) Minimal lates allowed in past 12 months |
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Joel Lobb
Mortgage Loan Officer
EVO Mortgage
911 Barret Ave, Louisville, KY 40204
Text or call: 502-905-3708
email: kentuckyloan@gmail.com
NMLS #57916 | Company NMLS #1738461
http://www.nmlsconsumeraccess.org
Equal Housing Lender
https://www.mylouisvillekentuckymortgage.com/
