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USDA Rural Housing Lender for Kentucky

Kentucky USDA Mortgage Lender for Rural Housing Loans

I am a Kentucky based USDA Mortgage Lender that has originated over 200 KY Rural Housing Mortgage Loans in Kentucky, Put my expert advice to use. Kentucky Rural Development RHS loans give KY Rural Homebuyers a zero down mortgage loan with a low 30 year fixed rate loan. A Local Kentucky Rural Housing Mortgage Lender offering same day free approvals and credit report. This website is not affiliated with USDA or any other government agency. NMLS#57916 Equal Housing Lender Text or call today 502-905-3708 with your mortgage questions about USDA Rural Housing Loans in Kentucky. Free Pre-Approvals on most applications within the same day. Kentuckyloan@gmail.com NMLS# 57916 Joel Lobb Loan Originator, American Mortgage Solutions NMLS ID. 1364 Equal Housing Lender

  • Accessibility Statement
  • Kentucky USDA Rural Housing County Income Limits for 2023
  • Property Requirements (Appraisal)
  • 2023 Eligibility Map For Kentucky USDA Rural Home Buyers
  • Credit Scores for Kentucky Mortgages
  • Debt-to-Income Ratio for Kentucky Mortgage Loans:
  • Kentucky Rural Housing USDA Loans
  • Bankruptcy
  • INCOME ELIGIBILITY
  • credit scores
  • KENTUCKY USDA RURAL HOUSING LOAN PROGRAM GUIDELINES

Tag: ky map changes usda

Kentucky USDA Guideline Updates for

Kentucky USDA Homes for Sale

  • Annual Qualifying Income – The requirement for calculations to be included on the Income Calculation worksheet have been removed and should now be included on Attachment 9-B, the underwriter transmittal summary, FNMA form 1008/Freddie form 1077, or equivalent
  • 4506-T – The requirement for asset statements to be reviewed to ensure borrowers have no additional income sources has been removed.
  • Repayment Income – MCC income must now be included in repayment income.
  • Boarder Income – USDA now considers a boarder as a household member and a boarder’s income must now be included in annual income calculation. Rent paid by boarders that is reported on tax returns must also be included in annual income.
  • Capital Gains – USDA removed requirement from Repayment Income to provide evidence showing borrowers own additional property or assets that may be sold if additional income is needed to support the mortgage obligation
  • Commission – The borrower must now show one year history in same or similar line of work to include commission in repayment income.
  • Fellowship, Stipend, Scholarship – Scholarship award letters must now provide date of termination and USDA will no longer presume benefits with no expiration date will continue. USDA also added guidelines for GI Bill income and stated it cannot be included in annual or repayment income.
  • MCC – This income must now be included in repayment income, but no history is required. A copy of the W-4 from employer is required to verify borrower is taking tax credit on monthly basis. Note: MCC’s are ineligible with FWL as qualifying income.
  • Unreimbursed Business Income – only taxable income is allowed to be included in repayment income
  • Section 8 – USDA removed requirement for section 8 income to be deducted from the monthly PITI to determine DTI if it is paid directly to the loan servicer when included in the repayment income.
  • Self Employed Income – Federal tax returns must now be reviewed to determine gross income for annual calculations. Removed requirement to deduct business loss before entering as repayment income into GUS or on loan application. Clarified documentation requirements as most recent 2 years of federal tax returns / transcripts & YTD P&L may be audited or unaudited
  • Social Security Income – clarified documentation options and will allow social security benefit statement or form SSA-1099/1042S to source
  • Temporary Leave – The history requirements for repayment income has been changed and now income must be received by loan closing.
  • Cash on Hand – The underwriter must review the reasonableness of accumulation based upon income stream, spending habits, etc. and cash on hand can no longer be included in reserves
  • Gift Funds – Clarification provided on how gift funds must be sourced when gift funds have been deposited into borrower’s account, not deposited into borrower’s account, or if funds are being wired directly to the settlement agent.
  • Large Deposits – USDA no longer addresses lump sum additions.

Single Family Housing Properties Found: 10

click link below

👇

Homes for Sale in Kentucky by USDA – Kentucky USDA 

Details Foreclosure 107 Debbie Ave
Map Lancaster Kentucky Garrard 40444 $24,120 3 1 1144
Property Image 1643733665049-1.jpg
Details Foreclosure 86 Solitude Dr
Map Somerset Kentucky Pulaski 42503 $43,550 3 2 1162
Property Image 1642694834395-1.png
Details Foreclosure 104 Holly Grove Rd
Map Corbin Kentucky Laurel 40701 $72,072 3 2 1376
Property Image 1643731010257-1.jpg
Details Foreclosure 100 Colonial Park Dr
Map Winchester Kentucky Clark 40391 $79,225 3 1 1075
Property Image 1643292663195-1.jpg
Details Foreclosure 95 Nagy Dr
Map Lebanon Kentucky Marion 40033 $80,925 3 2 1299
Property Image 1643294318919-1.jpg
Details Foreclosure 310 Sarah Ct
Map Winchester Kentucky Clark 40391 $81,260 3 2 1072
Property Image 1643291508221-1.jpg
Details Foreclosure 107 Ridgefield Rd
Map Lancaster Kentucky Garrard 40444 $82,790 3 1.5 1232
Property Image 1643734396043-1.jpg
Details Foreclosure 28 Harbor St
Map Nancy Kentucky Pulaski 42544 $89,375 3 2 1568
Property Image 1642693495305-1.JPG
Details Foreclosure 412 Seth Dr
Map Leitchfield Kentucky Grayson 42754 $103,740 3 2 1288
Property Image 1642696360755-1.JPG
Details Foreclosure 240 S. Clark Ln
Map leitchfield Kentucky Grayson 42754 $110,080

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Author Louisville Kentucky Mortgage Broker Offering FHA, VA, USDA, Conventional, and KHC Zero Down Payment Home LoansPosted on February 14, 2022February 15, 2022Categories 100% Financing Zero Down, 2022 Kentucky USDA Income and Property Guidelines, 2022 Kentucky USDA Income Limits Increased, 2022 Kentucky USDA Mortgage Guides Updated, 502 Guaranteed Loan, Appraisals, bank statements, Bankruptcy, coronavirus Kentucky USDA Loans, COVID-19 Kentucky USDA Rural Housing Loan, Credit Bad, credit reports, credit scores, Credit Waiver, Debt Ratio and Deferred Student Loans, debt ratios, DIRECT LOANS, down payment grant ky housing, Foreclosures, Guarantee Fee and the Annual Fee for RHS loans, Guaranteed Section 502 Loans, GUS Accept Findings USDA, Homes for Sale (Foreclosures owned by USDA/RHS KY, Homes for Sale in Kentucky by USDATags 2021 KENTUCKY USDA MORTGAGE LOAN, Bullitt County KY USDA, Kentucky, Kentucky USDA, kentucky usda loan, ky map changes usda, ky usda income limits, Rural development, usda foreclosures ky, usda kentucky, USDA Loan, usda loans, usda loans ky, USDA Mortgage, USDA Rural Development, usda rural development loan, usda rural housing1 Comment on Kentucky USDA Guideline Updates for

New Kentucky USDA Rural Housing Income Guidelines for 2017

RHS Income Kentucky Guideline Updates
USDA has published new income limits for Kentucky USDA Rural Housing  borrowers, effective immediately. Those new limits can be found HERE.

This slideshow requires JavaScript.

Maximum age for an RHS appraisal has been extended from 120 days to 150 days.

  • Accessory Dwelling units are now addressed in RHS guidelines. They may be allowed based on the appraiser’s evaluation that they represent the highest and best use of the property and are not a separate single family dwelling unit.
  • Additional clarification on site requirements was added to help in the underwriter’s determination as to when outbuildings and/or excess land should be considered income-producing.
It’s  free to get pre-approved for the loan with us and we will supply you a copy of your credit report for free along with a pre-approval letter stating how much you qualify for.
It takes about 30-40 days to close the loan
   USDA Loan Pre-Approval Checklist

 

 
1.  One full month’s or 30 days worth of pay stubs
2.  Last 2 years W-2′s
3.  Last 2 years tax returns
4.  Last two months bank statements for all accounts
 
 
I don’t need originals, copies are fine. You can fax, email the requested documents or meet me face-to-face if you wish.

 Let me know your questions. 

Thanks and look forward to helping you– 
http://www.emailmeform.com/builder/form/0bfJs9b6bK8TGoc6mQk9hIu
 
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
kentuckyloan@gmail.com

 
 
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. 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.
 
 
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Labels: appraisal standards for USDA RHS, first time buyer kentucky usda, Kentucky Rural Housing and USDA Loans, manufactured home usda, mobile home usda, property eligibility

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Author Louisville Kentucky Mortgage Broker Offering FHA, VA, USDA, Conventional, and KHC Zero Down Payment Home LoansPosted on May 22, 2017May 22, 2017Categories 502 Guaranteed Loan, Current USDA and RHS Guidelines, Guaranteed Section 502 Loans, INCOME ELIGIBILITY, Income Limits, kentucky first time home buyer, USDA, USDA /Rural Housing Loan Offices in Ky, USDA RURAL DEVELOPMENT DIRECT HOUSING LOANS, USDA/RHS Income limits by Ky CountiesTags 502 usda mortgage loan, home, income eligibility requirements, income usda, ky first time home buyer, ky map changes usda, ky rural development loan, ky usda income limits, rhs kentucky, usda rural development loan3 Comments on New Kentucky USDA Rural Housing Income Guidelines for 2017

New Fannie Mae Home Foreclosures in Kentucky — Kentucky First Time Home Buyer Loans for 2017

New Fannie Mae Home Foreclosures in Kentucky $21,900Active 210 N 35th St Louisville, KY 40212 2 Beds |1 Baths | 1119 sq. ft. View Property $28,500Active 1002 S 43rd St Louisville, KY 40211 3 Beds |1 Baths | 1692 sq. ft. View Property $96,900Active 111 Park Ave Erlanger, KY 41018 4 Beds |3 Baths | […]

via New Fannie Mae Home Foreclosures in Kentucky — Kentucky First Time Home Buyer Loans for 2017

Joel Lobb
Senior  Loan Officer
(NMLS#57916)
American Mortgage Solutions, Inc.
10602 Timberwood Circle, Suite 3
Louisville, KY 40223
text or call my phone: (502) 905-3708
email me at kentuckyloan@gmail.com
The view and opinions stated on this website belong solely to the authors, and are intended for informational purposes only. The posted information does not guarantee approval, nor does it comprise full underwriting guidelines. This does not represent being part of a government agency. The views expressed on this post are mine and do not necessarily reflect the view of my employer. Not all products or services mentioned on this site may fit all people. NMLS ID# 57916, (www.nmlsconsumeraccess.org). Mortgage loans only offered in Kentucky.
All loans and lines are subject to credit approval, verification, and collateral evaluation and are originated by lender. Products and interest rates are subject to change without notice. Manufactured and mobile homes are not eligible as collateral.
 
 

 .

applyonlinenow-ani

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Author Louisville Kentucky Mortgage Broker Offering FHA, VA, USDA, Conventional, and KHC Zero Down Payment Home LoansPosted on December 25, 2016December 25, 2016Categories 100% Financing Zero Down, Foreclosures, Homes for Sale (Foreclosures owned by USDA/RHS KY, Homes for Sale in Kentucky by USDA, Kentucky FHA, kentucky first time home buyer, KHC, USDA /Rural Housing Loan Offices in Ky, USDA/RHS Income limits by Ky Counties, VA, Zero Down Home LoansTags Bardstown Ky, Elizabethtown Kentucky, Fannie Mae, first time home buyer, home loans, homepath, Kentucky Housing Corporation, ky first time home buyer, ky map changes usda, ky rural development loan, louisville mortgage, Madisonville Kentucky, mortgage rates louisville ky, Nicholasville Kentucky, Shelby County Kentucky, Shepherdsville Ky3 Comments on New Fannie Mae Home Foreclosures in Kentucky — Kentucky First Time Home Buyer Loans for 2017

Kentucky USDA Rural Housing Development Eligible Properties and Income Limits for 2017

usda-rural-housing-wisconsin-2

Search for Kentucky USDA Eligible Properties 

A property must be located in an eligible area in order to use a USDA loan to purchase a home.  Contrary to belief, Rural Development loans are not only for farms or very rural homes.  

Actually, a property with an operating and income producing farm is not eligible for these loans!

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Kentucky USDA Rural Max Income Limits:

  • The total household income must be within the county limits for household size.  Typically a family household of 4 can make up to around $75,650  and a family of five or more  can make up to $99,850 for a household- Some KY counties allow for higher like Shelby County, and the Northern Kentucky Counties of Boone, Kenton, Campbell allow $82,000 (household income of four) up to $108,250 (household income of five or more)

Check Your Kentucky County for USDA Rural Housing Income Limits

 

Some More Facts about a Kentucky USDA loan:


It’s a two step approval process.  The chosen USDA lender must first underwrite the file and get it approved based on the income, assets, and credit report submitted. Then, the lenders must submit to USDA for a “conditional commitment”.  This conditional commitment is the final loan approval paperwork you are looking for. 


Even though the lender may have approved the file, it still must go to USDA office in Lexington for an assignment to SFH underwriter for the final approval process. They typically are checking the appraisal and income at this stage. There have been instances where the lender would approve the file but USDA would not due to appraisal issues or income and job history. 
This is very rare instances, so keep that in mind when it comes to final loan approval. 

This two-step approval process usually adds 4-6 days to the final loan approval process, so keep that in mind when you are writing up your contract because it takes a little longer to close these loans vs FHA, VA, and Fannie Mae loans.

Well Test Treatments:  Properties with a well as the primary drinking source will require a well water test.  There are local labs to perform this test and the water must pass.

Septic Test: Sometimes they will require the septic tank to be inspected if called for in the appraisal report or home inspection. 

Older Homes: As a general rule, USDA does not like homes older than 100 years old. They will sometimes require a home inspection in addition to the mandatory appraisal on older homes.

USDA Loan After a Short Sale:  A short sale is not the end of the world.  So it is very possible to obtain a USDA loan if 3 years have passed after the short sale.  But a buyer would need re-established good rent and other credit history.

Bankruptcy and Foreclosure:  If the mortgage debt that was foreclosed, was included in a Bankruptcy – then the USDA Home Loan waiting periods after foreclosure “waiting period” of 3 years, starts from the date of the discharge of the Bankruptcy.  Because it can take 6 months or more for Banks to process the Foreclosure, and transfer title, this is a tremendous plus.

Put my experience of originating KY USDA loans to work for you. I have successfully originated over 200 Rural Housing Mortgage Loans in Kentucky. I offer free pre-approvals and will help you from start to finish and I usually attend all my closings in Kentucky. 

Get Qualified for a Kentucky USDA Loan Now!

Text or call 502-905-3708
Text or call 502-905-3708

Joel Lobb
Senior  Loan Officer

(NMLS#57916)

American Mortgage Solutions, Inc.

10602 Timberwood Circle, Suite 3

Louisville, KY 40223

text or call my phone: (502) 905-3708
email me at kentuckyloan@gmail.com

The view and opinions stated on this website belong solely to the authors, and are intended for informational purposes only. The posted information does not guarantee approval, nor does it comprise full underwriting guidelines. This does not represent being part of a government agency. The views expressed on this post are mine and do not necessarily reflect the view of my employer. Not all products or services mentioned on this site may fit all people. NMLS ID# 57916, (www.nmlsconsumeraccess.org). Mortgage loans only offered in Kentucky.

All loans and lines are subject to credit approval, verification, and collateral evaluation and are originated by lender. Products and interest rates are subject to change without notice. Manufactured and mobile homes are not eligible as collateral.

Posted by joel lobb at 2:35:00 PM

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Labels: bankruptcy, debt ratio, first time buyer kentucky usda, foreclosure, GUS approval, Kentucky Rural Housing and USDA Loans, Kentucky USDA Rural Development For 2017 Guide, rd, rhs

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Author Louisville Kentucky Mortgage Broker Offering FHA, VA, USDA, Conventional, and KHC Zero Down Payment Home LoansPosted on December 23, 2016Categories 40 year term loan, 502 Guaranteed Loan, Appraisals, Bankruptcy, credit reports, Credit Waiver, Current USDA and RHS Guidelines, fico scores, Foreclosures, Guarantee Fee and the Annual Fee for RHS loans, 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, ineligible areas, kentucky first time home buyer, MAPS, Property Eligibility Cities, Property Eligilibity, Property/Appraisal Requirements for USDA Loan, rural development, Rural Development loan, tradelines on USDA lanos, USDA, USDA /Rural Housing Loan Offices in Ky, USDA RURAL DEVELOPMENT DIRECT HOUSING LOANS, USDA/RHS Income limits by Ky CountiesTags kentucky usda rural housing loan, ky first time home buyer, ky map changes usda, ky mortgage, ky rural development loan, northern ky usda map, Rural development, rural development loan, rural housing loans ky, usda map ky, usda rural development loan4 Comments on Kentucky USDA Rural Housing Development Eligible Properties and Income Limits for 2017

USDA Single Family Housing Homes for Sale in Kentucky Currently

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Kentucky USDA Rural Housing Eligibility Map for 2018


Type in your address below and hit go here to see if the home is in an eligible USDA Rural Housing Area for a Kentucky Property

















       

Kentucky Rural Housing USDA Loans

 

Kentucky USDA Guidelines for 2018

 

 

 

 

 

 

 

 

 
 
 
 
 
 
 
Joel Lobb
Senior  Loan Officer
(NMLS#57916)
 

Text or call phone: (502) 905-3708
 
email me at kentuckyloan@gmail.com
 
 
 
http://www.mylouisvillekentuckymortgage.com/


The view and opinions stated on this website belong solely to the authors, and are intended for informational purposes only.  The posted information does not guarantee approval, nor does it comprise full underwriting guidelines.  This does not represent being part of a government agency. The views expressed on this post are mine and do not necessarily reflect the views of my employer. Not all products or services mentioned on this site may fit all people
 

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Author Louisville Kentucky Mortgage Broker Offering FHA, VA, USDA, Conventional, and KHC Zero Down Payment Home LoansPosted on December 6, 2016February 3, 2018Categories Bullitt County KY, Foreclosures, Guaranteed Section 502 Loans, Homes for Sale (Foreclosures owned by USDA/RHS KY, Homes for Sale in Kentucky by USDA, Kentucky FHA, kentucky first time home buyer, KHC, USDA, USDA /Rural Housing Loan Offices in Ky, USDA RURAL DEVELOPMENT DIRECT HOUSING LOANS, USDA/RHS Income limits by Ky Counties, Zero Down Home LoansTags ky first time home buyer, ky loan, ky map changes usda, ky mortgage, ky rural development loan, rd loans, rhs kentucky, Rural development, Rural housing3 Comments on USDA Single Family Housing Homes for Sale in Kentucky Currently
Kentucky USDA Rural Housing Mortgage Lender call/text 502-905-3708-NMLS ID. 57916 Equal Housing Lender -Not a Commitment To Lend. Not Part of or endorsed by USDA Government Agency or any other government agency. nmlsconsumeraccess.org
Kentucky USDA Rural Housing Mortgage Lender call/text 502-905-3708-NMLS ID. 57916 Equal Housing Lender -Not a Commitment To Lend. Not Part of or endorsed by USDA Government Agency or any other government agency. nmlsconsumeraccess.org

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,  as opposed to banks that will offer  you their one set of loan products. I work for you not the bank.  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

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 July 2018

Pages

  • 2023 Eligibility Map For Kentucky USDA Rural Home Buyers
  • Accessibility Statement
  • Credit History
  • Kentucky USDA Single Family Housing Rural Homes for Sale
  • Kentucky USDA Rural Housing County Income Limits for 2023
  • KENTUCKY USDA RURAL HOUSING LOAN PROGRAM GUIDELINES
  • Mortgage Approval Checklist
  • Property Requirements (Appraisal)
  • Refinance USDA Loan
  • USDA Calculator
  • USDA Kentucky RHS Check Property Eligibility Map

Search For USDA Property

Recent Posts

  • Kentucky USDA Mortgage Qualifying Guidelines for 2023
  • Kentucky Rural Housing Development Mortgage Guide for USDA Loans
  • Kentucky Rural Housing USDA Guideline Updates for 2023
  • Kentucky Rural Housing USDA Buydown Program
  • Kentucky USDA Underwriting Guideline Mortgage Changes for Income, Credit, Work History and Assets

Top Posts & Pages

  • KENTUCKY USDA RURAL HOUSING LOAN PROGRAM GUIDELINES
  • Kentucky USDA Rural Housing County Income Limits for 2023

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How We Use Information.

Registration Information.
We use Personally Identifiable Information for our own internal purposes including contacting You via email to inform You about updates to our services and providing You with other information that we deem necessary. We reserve the right to disclose your information as required by law. We do not rent or sell our Users Personally Identifiable Information to third parties.

Advertising.
At this time we do not display banner advertising on our site, but we may send You email communications including information that we think may be of interest to You. You may opt out of receiving these promotional email communications, either when You register to become a Member, or at any time thereafter by contacting us.

Demographic Information, Surveys and Contests.
The demographic information that American Mortgage Solutions. collects in the registration process and through online surveys may be used to help us improve our services to meet the needs and preferences of our Users. This may include targeting advertising to You about our services. Information we gather through a contest may also be disclosed to third parties as necessary for prize fulfillment and other aspects of any contest or similar offering.

Comments Submitted by Users.
American Mortgage Solutions. constantly seeks to improve the quality of the services We provide and the User experience on the Site. We value your input and encourage You to help us expand and make improvements to the Site by providing Us with any thoughts or comments You might have regarding our services or the operation of the Site. You can submit any comments by contacting us. If You provide this information, we will only use it to acknowledge or respond to your comments. In certain circumstances, we may ask for your permission to post your comments in marketing or promotional materials.

Security.
We will use commercially reasonable methods to keep Personally Identifiable Information securely in our files and systems. Please note that with current technology, we cannot guarantee the security of your data as it travels over the Internet.

How We Respond To Browser Do Not Track Requests
American Mortgage Solutions. and other parties not affiliated with us may collect Personally Identifiable Information about your online activities over time and across different websites when you use our website or the services offered on our website. Industry standards regarding how to handle “Do Not Track” requests from web browsers are still evolving and there is currently no set of industry standards for handling such requests. As such we may not separately respond to or take any action with respect to a “do not track” configuration set in your internet browser. At this time, we do not have any protocol in place that allows you to opt-out of internet tracking. If you have any questions regarding our internet tracking methods please contact us.
Terminating Your Membership.
We save your Personally Identifiable Information until your membership with us is terminated. To terminate your membership, contact us. If You terminate your membership, your Personally Identifiable Information cannot be recovered. You may continue to receive email communications for a short period of time until we have updated all of our databases. After termination of your membership, your Personally Identifiable Information may remain on our archived database and records for a reasonable time as residual information. We will not use this residual information. Notwithstanding the above, we will maintain information on Users who have been removed for violating our Membership Agreement.

Correcting/Updating Your Information.
To correct and/or update your information, please contact us.

Contacting Us.
If You have any questions about this Privacy Agreement or the practices of this Site, you may contact us at:
American Mortgage Solutions.
Customer Service
10602 Timberwood Circle, Suite 3
Louisville, Kentucky 40223
502-905-3708

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.

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