Louisville Kentucky Mortgage Lender for FHA, VA, KHC, USDA and Rural Housing Kentucky Mortgages

I specialize in Kentucky First Time Homebuyers FHA, VA, USDA & Rural Housing, KHC and Fannie Mae mortgage loans. I have helped over 1300 Kentucky families buy their first home or refinance their current mortgage for a lower payment; Kentucky First time buyers we still how available down payment assistance with KHC. Free Mortgage applications/ same day approvals. Web site is not endorsed by the FHA, VA, USDA govt agency. Text/call 502-905-3708 kentuckyloan@gmail.com NMLS 57916 NMLS 1738461

Joel Lobb: Your Trusted Mortgage Broker in Kentucky

Joel Lobb Mortgage Broker in Kentucky

When it comes to securing a home loan, having a knowledgeable and reliable mortgage broker by your side is crucial. Joel Lobb has been serving the Kentucky community for over 20 years, assisting countless families in achieving their dream of homeownership. Let’s take a closer look at what makes Joel stand out in the mortgage industry.

Specializations

Joel specializes in a variety of mortgage programs, catering to the unique needs of Kentucky residents:

FHA Loans: As an expert in Federal Housing Administration (FHA) loans, Joel helps first-time homebuyers and others qualify for affordable financing.
VA Loans: Veterans and active-duty military personnel can benefit from VA loans, which offer favorable terms and low or no down payment options.
USDA & Rural Housing Loans: For those living in rural areas, Joel assists with USDA and Rural Housing loans, making homeownership accessible even in less densely populated regions.
KHC Loans: The Kentucky Housing Corporation (KHC) provides down payment assistance, and Joel guides buyers through the process.
Conventional Loans: Whether you’re a first-time buyer or looking to refinance, Joel offers conventional loan options tailored to your financial situation.

Why Choose Joel Lobb?

Personalized Attention: Unlike mega banks, where borrowers can feel like mere numbers, Joel treats each client as an individual. He listens to your needs, answers your questions, and ensures a smooth loan process.
Access to Multiple Lenders: Joel has access to over 10 different mortgage companies across the country. This advantage allows him to search and negotiate for the best loan options, considering credit, income, and other factors.
Transparent and Honest: Joel delivers on his promises. You can trust him to provide straightforward information and guide you through every step of the mortgage journey.

Testimonials

Customer Testimonials

1 Vote

Tiffany White

8 reviews • 0 photos

My husband and I before we met Joel was at 3 realtors and 3 mortgage companies….with no movement. My parents referred us to Joel and the rest was history. From the very beginning we explained where we were with home buying. He took it and ran with it. He made sure we got into a home.
Such an easy process full of communication and open door when it came to any question we had since this was our first time home buying. I recommend Joel to anyone! He will get you in a home as well as making sure your home loan is fit for you!
Very dedicated and even after the closing he will still be there to communicate and follow you through this journey if any questions arise!

Squantoon

3 reviews • 0 photos

Joel and his colleagues were an immense help in getting me pre-approved and approved for a home loan. Professional and thorough group of people and my experience could not have been easier. Highly recommend.

Angela Hudson

4 reviews • 0 photos

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.

Bruce Hartman

5 reviews • 2 photos

Many thanks to Joel for his help throughout our homebuying process. He is a dedicated partner to his clients and does… View full review

KATHERINE TRUMBO

Joel & Dawn!… View full review

Alicia Mitchell

3 reviews • 0 photos

Joel and Dawn are amazing to work with! Went above and beyond to make buying my first home an incredibly easy and… View full review

Dr. Gary Mumaugh

2 reviews • 0 photos

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… View full review

Beth Ratliff

1 review • 0 photos

Absolutely the best experience buying my home. Everyone else turned me away. I done a google search for lenders and… View full review

Karri Goff

2 reviews • 0 photos

Joel was amazing in helping us get into our dream home. No matter what my question was, no matter the time, he was there ready to help. I wouldn’t recommend anyone better to help!

Lashawnda Jordan

I stumbled across Joel online while reaching different types of home loans, I read the reviews and decided to text him… View full review

Stacie Tennyson

Local Guide • 66 reviews • 6 photos

I have used Joel on several occasions for closing a mortgage as well as referred him to friends and family. He is… View full review

Melissa Craycraft Fitzgerald

1 review • 0 photos

Joel was outstanding! He made the process easy and stress free. He constantly kept us up to date on developments and… View full review

Joel

Cee Bell

1 review • 0 photos

Absolutely Amazing!! I emailed Joel after I had just got a denial from a bank and just thought i would try to get some… View full review

Contact Joel Lobb

Phone: (502) 905-3708
Email: kentuckyloan@gmail.com
NMLS#: 57916

Whether you’re a first-time buyer, refinancing, or exploring down payment assistance, Joel Lobb is here to guide you toward your homeownership goals. Reach out today and experience personalized service from a trusted mortgage professional 1 2.

Learn more

mylouisvillekentuckymortgage.com

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

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. 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. Where most banks will offer offer you their one set of loan products. 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.

A Little About Me

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 a better deal locally in some cases. Whereas most banks will offer offer you their one set of loan products. I have access to over 15 different mortgage companies to broker your loan through to get you the competitive 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/text 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, we offer Kentucky Housing or KHC loans with down payment assistance.

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 Officer/p>

call/text phone: (502) 905-3708 kentuckyloan@gmail.com Company ID #1738461
EQUAL HOUSING LENDER
http://www.mylouisvillekentuckymortgage.com/

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 2018

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

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 April 2019

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.

Pam Dolby June 2019

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.

Betty Parsons February 2019

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 .

July 1st 2019 Johnathan Simmons

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.

Full Disclosure Policy

This policy is valid from 11 July 2013

This blog is a sponsored blog created or supported by a company, organization or group of organizations. For questions about this blog, please contact Joel Lobb 502-905-3708 or email kentuckyloan@gmail.com NMLS# 57916.

This blog does not accept any form of advertising, sponsorship, or paid insertions. We write for our own purposes. However, we may be influenced by our background, occupation, religion, political affiliation or experience.

This blog abides by word of mouth marketing standards. We believe in honesty of relationship, opinion and identity. The compensation received may influence the advertising content, topics or posts made in this blog. That content, advertising space or post will be clearly identified as paid or sponsored content.

The owner(s) of this blog is not compensated to provide opinion on products, services, websites and various other topics. The views and opinions expressed on this blog are purely the blog owners. If we claim or appear to be experts on a certain topic or product or service area, we will only endorse products or services that we believe, based on our expertise, are worthy of such endorsement. Any product claim, statistic, quote or other representation about a product or service should be verified with the manufacturer or provider.

This blog does contain content which might present a conflict of interest. This content will always be identified.

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Joel Lobb: Your Trusted Mortgage Broker in Kentucky

Joel Lobb Mortgage Broker in Kentucky

Specializations

Why Choose Joel Lobb?

Testimonials

Contact Joel Lobb

Learn more