About
Mortgage Loans offered in Kentucky. 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. Web site is not endorsed by the FHA, VA, USDA govt agency. Text/call 502-905-3708 kentuckyloan@gmail.com NMLS 57916 NMLS 1738461
Contact Us
Hours
Closed
| Monday | 7:30 AM – 10:00 PM |
| Tuesday | 7:30 AM – 10:00 PM |
| Wednesday | 7:30 AM – 10:00 PM |
| Thursday | 7:30 AM – 10:00 PM |
| Friday | 7:30 AM – 8:00 PM |
| Saturday | 7:30 AM – 10:00 PM |
| Sunday | 10:00 AM – 6:00 PM |
Insights
Accessibility
Wheelchair accessible entrance · Wheelchair accessible parking lot · Wheelchair accessible restroom · Wheelchair accessible seating · Amenities
Gender-neutral restroom · Crowd
LGBTQ+ friendly · Transgender safespace · Posts
Joel Lobb, Mortgage Broker FHA, VA, KHC, USDA
1 day ago
Kentucky USDA Mortgage Credit Guidelines
If you're buying a home in a rural area of Kentucky, the USDA Rural Development Loan offers an exceptiona... more
Joel Lobb, Mortgage Broker FHA, VA, KHC, USDA
2 days ago
Kentucky First-Time Home Buyer Programs Overview
Whether you're just beginning your homeownership journey or returning to the market after a financ... more
Joel Lobb, Mortgage Broker FHA, VA, KHC, USDA
3 days ago
Kentucky Homebuyers: Minimum Down Payment Guide by Loan Type and Credit Score
Conventional Loans
Credit Score 680+
📉 Minimum Down Payment: 3%
Cr... more
Joel Lobb, Mortgage Broker FHA, VA, KHC, USDA
5 days ago
WHAT IS THE MINIMUM CREDIT SCORE FOR A KENTUCKY FHA MORTGAGE HOME LOAN APPROVAL?
Kentucky FHA Mortgage Credit Score Requirements
FHA is introduci... more
Joel Lobb, Mortgage Broker FHA, VA, KHC, USDA
6 days ago
Explore how to qualify for a Kentucky FHA loan with bad credit.
Joel Lobb, Mortgage Broker FHA, VA, KHC, USDA
7 days ago
entucky First-Time Homebuyer Loan Programs: FHA, VA, and USDA Explained
If you're a first-time homebuyer in Kentucky, navigating the mortgage lands... more
Services
100% Financing First Time Home Buyer Loans in Kentucky FHA, VA, USDA and KHC
There are several programs in Kentucky to help homebuyers purchase a house with zero down payment. The various Kentucky down payment assistance programs in Kentucky, including KHC, FHA, VA, USDA, UWM’s $15,000 Welcome Home Grant, the $25,000 Kentucky Welcome Home Grant, and the 5% grant.
DOWN PAYMENT ASSISTANCE KENTUCKY MORTGAGE LOANS
KHC Down Payment Assistance Programs KHC offers several down payment assistance options, including a regular DPA loan of up to $10,000. These loans are repayable over ten years at 3.75% over 10 years and cannot be subordinated and paid off if you refinance or sell the home before they are paid off.
Reviews
4.9 out of 5
(76 reviews)
4.9
5
4
3
2
1
Chasity Wray
2 months ago
I would 100% recommend Joel & Dawn! They helped make a goal for my family a reality. From start to finish they helped me every step of the way. I will forever be thankful for them. Day or night, any worry or thought I had I never had to wait for a response, they really kept me sane during the stresses of being a first time buyer. I found Joel on YouTube when I was doing research before I decided to start the process of buying, turned out he was actually right here in Kentucky and so it was meant for me to go with them! Thank you both for everything, The Wray Family! 🏠
June Williams
a week ago
Joel & Dawn was the absolute best thru the whole process in buying our first home! They made the process smooth and easy. Answered every question explained everything so I could fully understand. I would highly recommend them. I couldn’t thank yall enough!
About
Mortgage Loans offered in Kentucky. 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. Web site is not endorsed by the FHA, VA, USDA govt agency. Text/call 502-905-3708 kentuckyloan@gmail.com NMLS 57916 NMLS 1738461
Hours
Closed
| Monday | 7:30 AM – 10:00 PM |
| Tuesday | 7:30 AM – 10:00 PM |
| Wednesday | 7:30 AM – 10:00 PM |
| Thursday | 7:30 AM – 10:00 PM |
| Friday | 7:30 AM – 8:00 PM |
| Saturday | 7:30 AM – 10:00 PM |
| Sunday | 10:00 AM – 6:00 PM |
Services
100% Financing First Time Home Buyer Loans in Kentucky FHA, VA, USDA and KHC
There are several programs in Kentucky to help homebuyers purchase a house with zero down payment. The various Kentucky down payment assistance programs in Kentucky, including KHC, FHA, VA, USDA, UWM’s $15,000 Welcome Home Grant, the $25,000 Kentucky Welcome Home Grant, and the 5% grant.
DOWN PAYMENT ASSISTANCE KENTUCKY MORTGAGE LOANS
KHC Down Payment Assistance Programs KHC offers several down payment assistance options, including a regular DPA loan of up to $10,000. These loans are repayable over ten years at 3.75% over 10 years and cannot be subordinated and paid off if you refinance or sell the home before they are paid off.
Contact Us
Insights
Accessibility
Wheelchair accessible entrance · Wheelchair accessible parking lot · Wheelchair accessible restroom · Wheelchair accessible seating · Amenities
Gender-neutral restroom · Crowd
LGBTQ+ friendly · Transgender safespace · Posts
Joel Lobb, Mortgage Broker FHA, VA, KHC, USDA
1 day ago
Kentucky USDA Mortgage Credit Guidelines
If you're buying a home in a rural area of Kentucky, the USDA Rural Development Loan offers an exceptiona... more
Joel Lobb, Mortgage Broker FHA, VA, KHC, USDA
2 days ago
Kentucky First-Time Home Buyer Programs Overview
Whether you're just beginning your homeownership journey or returning to the market after a financ... more
Joel Lobb, Mortgage Broker FHA, VA, KHC, USDA
3 days ago
Kentucky Homebuyers: Minimum Down Payment Guide by Loan Type and Credit Score
Conventional Loans
Credit Score 680+
📉 Minimum Down Payment: 3%
Cr... more
Joel Lobb, Mortgage Broker FHA, VA, KHC, USDA
5 days ago
WHAT IS THE MINIMUM CREDIT SCORE FOR A KENTUCKY FHA MORTGAGE HOME LOAN APPROVAL?
Kentucky FHA Mortgage Credit Score Requirements
FHA is introduci... more
Joel Lobb, Mortgage Broker FHA, VA, KHC, USDA
6 days ago
Explore how to qualify for a Kentucky FHA loan with bad credit.
Joel Lobb, Mortgage Broker FHA, VA, KHC, USDA
7 days ago
entucky First-Time Homebuyer Loan Programs: FHA, VA, and USDA Explained
If you're a first-time homebuyer in Kentucky, navigating the mortgage lands... more
Reviews
4.9 out of 5
(76 reviews)
4.9
5
4
3
2
1
Chasity Wray
2 months ago
I would 100% recommend Joel & Dawn! They helped make a goal for my family a reality. From start to finish they helped me every step of the way. I will forever be thankful for them. Day or night, any worry or thought I had I never had to wait for a response, they really kept me sane during the stresses of being a first time buyer. I found Joel on YouTube when I was doing research before I decided to start the process of buying, turned out he was actually right here in Kentucky and so it was meant for me to go with them! Thank you both for everything, The Wray Family! 🏠
June Williams
a week ago
Joel & Dawn was the absolute best thru the whole process in buying our first home! They made the process smooth and easy. Answered every question explained everything so I could fully understand. I would highly recommend them. I couldn’t thank yall enough!
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