About
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
phone: (502) 905-3708
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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 in Kentucky with little money down or no money down , we offer Kentucky Housing or KHC loans with down payment assistance.
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.
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 OfficerCustomer Testimonials
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
"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
"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, 2010Stacie Drake
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, 2010Stacie 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 2018
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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
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betty parsons
Wow, what a great loan officer. I was referred to him by our agent and he was great to work with. We used him for a USDA no money down loan in Shelby County and we were really impressed. We were afraid we could not buy a home since we did not have money saved for a down payment, but Joe l was able to get us a zero down loan and we even got our appraisal fee and good faith deposit back at closing. We actually got money back at closing!!! I Can't think him enough. Our family moved from our apartment in the south end of town to get our own home with 5 acres for our kids and 2 dogs, at a payment that is equal to our rent payment also. .Thanks Again Joel. May god bless you
Patty Locker
We contacted Joel about buying a house on our move from Ohio for my husband's job transfer with Ford. We put a lot of trust in him since we were new to the area and first time home buyers in the Louisville KY market, and he always delivered on what he said. It took us a while to find a home due to the lack of homes, but once we got one, he was always quick to respond our questions via text or email ,and kept us informed through the process. We got to meet him at the closing and he was super nice and even got us a closing gift for our home which we didn't expect at all. Super nice guy 😀!!! I would definitely recommend him for a local Home loan in the Louisville area.
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pam dolby
I got a VA loan with Joel and he was great. He is an ex-army guy so he could relate to my past experiences of being a veteran and moving around the country a lot. I had some credit issues that required a little extra work but Joel was able to find A VA lender to approve my situation as far as having past bad credit problems and a lower credit score. We closed yesterday on our home here in Louisville and we could not be happier. We finally have a home of our own thanks to Joel . I would definitely recommend him for a mortgage loan. Great experience and closed 8 days before expected close date so we were able to move in early.
I contacted Joel about the $10,000 KY Housing Grant last month and we were able to get it and I just closed on my home. He was great to work with and if you are a first time home buyer here in Louisville, I would definitely contact him. I met him at his office and he was very nice and knowledgeable and kept me informed through the process. No surprises either so I was very happy. I am new homeowner thanks to Joel .
not officially represent the HUD, VA, USDA or FHA or any other government agency.
American Mortgage Solutions, Inc.
10602 Timberwood Circle Suite 3
Louisville, KY 40223
phone: (502) 905-3708
Fax: (502) 327-9119
Company ID #1364 | MB73346E
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. NMLS#57916 http://www.nmlsconsumeraccess.org/
. 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.
(502) 905-3708Contact UsDirections
Open now
| Monday | 8:00 AM – 9:00 PM |
| Tuesday | 7:30 AM – 8:30 PM |
| Wednesday | 7:30 AM – 9:00 PM |
| Thursday | 7:30 AM – 9:00 PM |
| Friday | 7:00 AM – 9:00 PM |
| Saturday | 7:30 AM – 9:30 PM |
| Sunday | 7:30 AM – 9:30 PM |
Accessibility
Wheelchair accessible entrance · Wheelchair accessible parking lot · Wheelchair accessible restroom · Wheelchair accessible seating · Accessibility
Wheelchair accessible entrance · Wheelchair accessible parking lot · Wheelchair accessible restroom · Wheelchair accessible seating · Amenities
Gender-neutral restroom · Crowd
LGBTQ+ friendly · Transgender safespace · Location
10602 Timberwood Circle #3, Louisville, KY 40223-5367, United StatesPhotos
Posts
Joel Lobb, Mortgage Broker FHA, VA, KHC, USDA
3 days ago
Qualifying Loan Programs for First-Time Homebuyers in Louisville, Kentucky
Are you a first-time homebuyer in Louisville, Kentucky, looking to navi... more
Joel Lobb, Mortgage Broker FHA, VA, KHC, USDA
4 days ago
Qualifying for a Kentucky VA Mortgage Loan
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A VA mortgage loan can be a fantastic option for eligible veterans and active-duty service... more
Joel Lobb, Mortgage Broker FHA, VA, KHC, USDA
5 days ago
Here's a summary of different loan programs for Kentucky first-time homebuyers with a focus on
FHA, VA, USDA Home loans in Kentucky
FHA, VA, USDA Home loans in Kentucky
Joel Lobb, Mortgage Broker FHA, VA, KHC, USDA
6 days ago
First time home buyer conference
May 13, 2024 – May 13, 2024
Joel Lobb, Mortgage Broker FHA, VA, KHC, USDA
6 days ago
Kentucky VA mortgage lender offering VA mortgage loans in Kentucky down to a 580 credits for 2 years out of bankruptcy and foreclosure
Joel Lobb, Mortgage Broker FHA, VA, KHC, USDA
8 days ago
Understanding Credit Score Requirements for Kentucky First-Time Home Buyers
Purchasing your first home is an exciting milestone, and in Kentucky, t... more
Services
100% Financing First Time Home Buyer Loans in Kentucky FHA, VA, USDA and KHC
DOWN PAYMENT ASSISTANCE MORTGAGE LOANS
FHA MORTGAGE LOAN
FICO SCORES
FIRST TIME HOME BUYER ZERO DOWN
FREE CREDIT REPORTS
KHC DAP LOANS
Kentucky First Time Home Buyer Classes
Kentucky First Time Home Buyer Loans
Kentucky Housing Down Payment Assistance $6,000
Kentucky Rural Housing Loans
USDA MORTGAGE LOANS
VA MORTGAGE LOANS
VA Mortgage Loans, USDA Mortgage Loans
FHA Mortgage Loans, First Time Buyer Loans in Kentucky
Zero Down Kentucky Mortgage Loans offered thru KHC, USDA, VA and Down Payment Assistance of $6,000.00 for closing costs
Google Reviews
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73 reviews
Bruce Hartman
2 months ago
Many thanks to Joel for his help throughout our homebuying process. He is a dedicated partner to his clients and does his best to answer questions quickly and reliably. When I didn't understand something, he was patient and did a great job explaining things. His entire team helped to make our purchase a very smooth transaction from start to finish.
Tony Walker
2 months ago
I work with many Loan Officers across the country and Joel is in my Top 5. I would trust him with my personal mortgage. He is responsive and knowledgeable. He cares about his borrowers and is willing to work with unique situations and come up with solutions.
Thank you
Tony Walker
EPM Wholesale Account Executive
Angela Hudson
2 months ago
Joel and Dawn have been really great through the home buying process. They were prompt in getting back to me whenever I had questions. I would definitely recommend them when purchasing a home.
Chris Riggs
10 months ago
We had a great experience with Joel. He explained things to us so we understood every step of the mortgage process. He worked to obtain the best package for us. I found him to be honest and trustworthy. He always responded to questions quickly.
KATHERINE TRUMBO
8 months ago
Joel & Dawn!
I can’t say enough how grateful I am for you both. You will not find another company that goes the extra mile like them. No matter how early or how late I text with questions or concerns I ALWAYS received a response shortly after. They really hold your hand and talk you through the whole process leaving no questions unanswered. Hands down the best company to do business with.
They work extremely hard to turn your homeowner dreams into reality!
Many many thanks again. I am forever grateful!
Alicia Mitchell
8 months ago
Joel and Dawn are amazing to work with! Went above and beyond to make buying my first home an incredibly easy and straightforward process. They were on top of all emails and quick to respond if I ever had any questions, even outside of normal business hours. I can’t recommend Joel and his team enough! Had a little hiccup with VA and they stayed on top of everything! Even reassured me that everything was going to be okay when things were looking a little scary. Lol. Joel and Dawn, thank you for a Job Well done, so glad I found you! Also, thank you for using your combined expertise and best knowledge to get me the LOWEST rate and cash back at closing!! I’m soooo happy!! I cannot thank you guys enough!! ❤️
Elizabeth Owens
a year ago
Joel was amazing. He worked with my husband Nathan and I (mostly Nathan) to get our first home. We had just been building our credit and needed help with some of the first home buyers programs locally. We didn't even know if it would be possible to Porsche a home at all, but be told us exactly what to do to get approved and 30 days later we were approved. We found our home within 30 days after he suggested a really good realtor after we had a terrible experience with 2 other realtors. During the entire closing process even when some of the people wouldn't respond, he was always there to find an answer for us even if we could be a little too eager because of our excitement. He always treated us with respect and as long as we followed exactly what he said to do we were able to find a home we loved. We are moving in today. Thank you Joel for making our American dream come true. Louisville is lucky to have you.
Dr. Gary Mumaugh
10 months ago
Joel went out of his way and was a real advocate for us to get our little hobby farm and home. There was a lot of documentation needed and Dawn was helpful every step of the way. They are a dynamite team and a great company committed to help you realize your dreams. Thank you.
Beth Ratliff
10 months ago
Absolutely the best experience buying my home. Everyone else turned me away. I done a google search for lenders and found Joel, and he gave me a chance. I faced a lot of personal road blocks during this process but he stuck it out with me. I was guided on what needed to be done and trusted his guidance wholeheartedly. We finally made it to the end and I worked with a lady named Dawn. She as well seen road blocks I encountered but stuck it out with me also. I emailed them with more questions than I should have, and they probably wished I didn’t send so many haha but they never failed to respond. If anyone can take owning a home from a dream to a reality, it’s Joel and his team!
Tina Clay
2 years ago
Joel referred a buyer to me a while back. During that transaction Joel was outstanding!!He was accessible and responsive. He worked hard to close by the date suggested. His clients were very happy with him throughout the process. Since then I have referred other agents to him for their clients. I will continue to use Joel as often as possible. He is very knowledgeable in his skill set and willing to look at all options to provide the best loan program/package for customers. I would highly recommend Joel Lobb for all your Mortgage needs
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