Tag: Mortgage loan

100% Financing Zero Down Payment Financing Kentucky Mortgages and Home loans

Buy a Home with No Down-Payment or Refinance Your Mortgage to 100% Just a few years ago, most mortgage companies offered no money down home loans, but today only there are only a handful of experienced lenders offering the USDA and VA home loans. Don’t miss out on affordable mortgage rates for no equity mortgages. Now is the time to discuss no money down home buying or no equity refinancing while rates are low and the programs still exist.

Kentucky First Time Home Buyer (Louisville, Ky) (kentuckyfirsttimehomebuyer.com)
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Louisville Kentucky mortgage rates (louisvillekymortgage.net)
New Rural Housing and USDA Property Eligibility guidelines for Kentucky Cities, Including Oldham County Kentucky (trulia.com)
Louisville VA, FHA, USDA, KHC , Fannie Mae Mortgage Guide: Kentucky USDA Rural Housing Loans : No closing cos… (mylouisvillekentuckymortgage.com)
Kentucky Mortgage Usda Loan Zero Down Home Loans Still Exist (kentuckyusdaloan.com)
Louisville Kentucky Mortgage Rates (louisvillekentuckymortgagerates.com)
Kentucky First Time Home Buyer Grants and Loan Programs (kentuckyfirsttimehomebuyer.com)
Kentucky USDA credit score and mortgage requirements for 2013 Credit Scores and the Kentucky USDA Rural Development Loan Progra (trulia.com)
Realty Times – Get a HUD Home for $100 Down Get a HUD Home for $100 Down | Kentucky First Time Home Buyer Mortgage Loan (kentuckyfirsttimehomebuyer.com)

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.

Kentucky Single Family Housing USDA RHS Guaranteed Loan Program Update 2011

Kentucky Single Family Housing USDA RHS Guaranteed Loan Program Update 2011.

via Kentucky Single Family Housing USDA RHS Guaranteed Loan Program Update 2011.

Kentucky Single Family Housing USDA RHS Guaranteed Loan Program Update 2011

Single Family Housing Guaranteed Loan Program
May 26, 2011

Kentucky USDA / RHS Single Family Housing Guaranteed Loan Program

May 26, 2011

GUARANTEED LOAN FUNDING UPDATE: HELP WANTED!
$24 BILLION DOLLARS ALLOCATED FOR GUARANTEED LOANS!

$24 billion dollars is available in Fiscal Year 2011 (through September 30, 2011) in the Single Family Housing Guaranteed Loan Program (SFHGLP). To utilize these available funds, WE NEED YOUR HELP!

SERVE RURAL HOMEBUYERS! In the past, funding shortages due to overwhelming volume and program demand may have prohibited some homebuyers from utilizing the SFHGLP. Fiscal year 2011 will be different! Congress responded to lender requests for more funding and delivered $24 billion for the current fiscal year!

LEND WITH CONFIDENCE! Future Guaranteed Loan Funding Updates will continue to be released in order to keep our lending partners informed of available funding levels.
As of May 26, 2011:
TOTAL $ OBLIGATED: $9.2 BILLION
TOTAL # LOANS: 70,759

OVER $15 BILLION REMAINS TO
SERVE RURAL HOMEBUYERS!

Thank you for your support of the Single Family Housing Guaranteed Loan Program!

DEFERRED STUDENT LOANS AND DEBT RATIO CALCULATIONS Kentucky Rural Housing Loans and USDA Loans in KY (kentuckyusdaloan.wordpress.com)
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Kentucky USDA Guaranteed loans applicant’s household income cannot exceed adjusted annual income limits (kentuckyusdaloan.com)
Kentucky USDA credit score and mortgage requirements for 2013 Credit Scores and the Kentucky USDA Rural Development Loan Progra (trulia.com)
Louisville Ky Mortgage Lender FHA/VA KHC USDA Kentucky Mortgage: Self-Employed Income for a Kentucky Mortgage Loan … (louisvillekentuckyvamortgage.blogspot.com)
Kentucky Mortgage Usda Loan Zero Down Home Loans Still Exist (kentuckyusdaloan.com)
Louisville Ky Mortgage Lender FHA/VA KHC USDA Kentucky Mortgage: VA Loans (louisvillekentuckyvamortgage.blogspot.com)
Swimming Pools and USDA loans (kentuckyusdaloan.com)
Kentucky USDA and Rural Housing Changes May 1, 2013 (kentuckyusdaloan.com)
Kentucky Mortgage Rates (kentuckyvaloan.com)

How Can A First Time Home Buyer With Bad Credit Get A House?

How Can A First Time Home Buyer With Bad Credit Get A House?.

via How Can A First Time Home Buyer With Bad Credit Get A House?.

Thank you for visiting. I hope you find this website both informative and empowering as you explore your mortgage options. My goal is to help you feel confident in selecting the right home loan for your unique situation.

I proudly serve all 120 counties in Kentucky, offering a full range of mortgage loan programs, including:

FHA Loans
VA Loans
USDA Rural Housing Loans
Fannie Mae Conventional Loans
KHC Down Payment Assistance Programs

With over 20 years of lending experience, I’ve had the privilege of helping more than 1,300 Kentucky families achieve their homeownership goals. Whether you’re a first-time homebuyer or seeking a second opinion, I’m here to offer honest, no-pressure advice—always free of charge.

I am dedicated to:

Attending as many closings as possible
Providing responsive, personalized service
Ensuring quick, efficient, and accurate loan processing
Making myself accessible every step of the way

I’ve been consistently recognized as a top mortgage loan officer in Kentucky for VA, FHA, USDA, and KHC programs. I take pride in being thorough, transparent, and attentive with each and every client.

Please take a moment to read my reviews below. If you have questions or need guidance, feel free to call or text me directly.

I have helped over 1300 Kentucky families buy or refinance their home over the last 20 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.

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 mortgage loans. I am based out of Louisville Kentucky. For the first time buyer , 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

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.

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100% Financing Zero Down Payment Financing Kentucky Mortgages and Home loans

Kentucky Single Family Housing USDA RHS Guaranteed Loan Program Update 2011

Kentucky Single Family Housing USDA RHS Guaranteed Loan Program Update 2011

How Can A First Time Home Buyer With Bad Credit Get A House?

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100% Financing Zero Down Payment Financing Kentucky Mortgages and Home loans

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