Joel Lobb, Mortgage Broker FHA, VA, KHC, USDA

Zero Down 100% Financing Mortgage Loans in Kentucky Close loans in 20–30 days with $0 down payment. Don’t wait—see if your transaction qualifies today! 100% financing — no money down required No cash reserves or seasoning needed to qualify Seller-paid closing costs allowed Fixed interest rates for stability and peace of mind Eligible for both new construction and existing homes Programs offered through: Kentucky Housing Corporation (KHC) VA Home Loan Program (for eligible veterans) USDA Rural Development Mortgage Program Our underwriters specialize in 100% financing mortgage loans in Kentucky. Enjoy quick turn times and work with a local expert who knows your market. ✅ Hosting kentucky first-time homebuyer seminars ✅ Credit scores starting at 580 for FHA/VA/USDA Kentucky Mortgage Loans ✅ 620+ scores qualify for KHC Down Payment Assistance Down payment Assistance 5% grant! Call Joel Lobb today: (502) 905-3708 Senior Loan Officer • NMLS #57916 NMLS #1738461 Email: kentuckyloan@gmail.com Website: mylouisvillekentuckymortgage.com

his does not constitute an offer for extension of credit or a commitment to lend. Some products may not be available in all states. Restrictions apply and terms are subject to change without notice. All loans subject to credit approval. Guidelines subject to change without prior notice. This information is provided to assist business professionals only and is not an advertisement extended to the consumer as defined by Section 226.2 Regulation Z. Equal Housing Lender. If you are an individual with disabilities who needs accommodation, or you are having difficulty using our website to apply for a loan, please contact us at 502-905-3708. 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. This content is not intended to provide legal, tax, accounting, financial or investment advice or indicate the suitability of any product or service for your unique circumstances. You are encouraged to consult with a qualified legal, tax, accounting, financial or investment professional based on your specific circumstances. We do not make any warranties as to accuracy or completeness of this information, do not endorse any third-party companies, products, or services described here, and take no liability for your use of this information. Privacy Policy We take our clients' financial privacy very seriously. During the course of processing your application, we accumulate non-public personal financial information from you and from other sources about your income, your assets, and your credit history in order to allow a lender to make an informed decision about granting you credit. We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your nonpublic personal information. We collect nonpublic information about you from the following sources: (i) information we receive from you on applications or other forms; (ii) information about your transactions with us, our affiliates, or others; and (iii) information we receive from a consumer reporting agency. We do not disclose any nonpublic information about our customers or former customers to any third party, except as permitted by law. NMLS Consumer Access for Joel Lobb Accessibility for Website Privacy Policy About My Website Visit my website for a wealth of resources tailored to Kentucky homebuyers. You’ll find: Step-by-step guides for first-time homebuyers. Information on loan programs like FHA, VA, USDA, and KHC. Tools to help you calculate potential payments and affordability. Blog posts with tips and updates on the Kentucky housing market. A secure portal to start your loan application and upload documents. Please Note: My website is not endorsed by the FHA, VA, USDA, or any government agency. It is an independent platform created to educate and assist homebuyers with expert advice and accessible tools. Contact Me Anytime 📞 Call/Text: 502-905-3708 📧 Email: kentuckyloan@gmail.com 🌐 Website: www.mylouisvillekentuckymortgage.com Licensing Info: Kentucky Mortgage Loan Only NMLS Personal ID: 57916 Company NMLS ID: 1738461 www.nmlsconsumeracces.org Equal Housing Lender