Louisville Kentucky Mortgage Lender for FHA, VA, KHC, USDA and Rural Housing Kentucky Mortgages: Current Mortgage Rates in KY

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

Showing posts with label Current Mortgage Rates in KY. Show all posts

Key ways to get your best rate possible on your Kentucky Home loan

Kentucky Mortgage Rates

Key ways to get your best rate possible on your Kentucky Home loan

Historically speaking, current mortgage rates are pretty average.

But considering all the other factors involved in our post-pandemic housing market, many people are struggling to afford a home.

Here are the top ways you can get your best mortgage rate, even in a tough market:

Improve your credit score by paying down your debt and making all payments on time
Consider all your loan options, including your term length and fixed rate vs. adjustable-rate mortgages
Shop around for a lender and compare rates and terms

These key factors can mean the difference in paying thousands of dollars extra over the life of your loan.

It all depends on your unique situation.

Best loan options for Kentucky Mortgage borrowers in today’s market

Conventional purchase — best for borrowers with a high credit score and at least 5% down payment
FHA loan — best for first-time borrowers with more flexible credit requirements with lower credtit scores 500 to 580-
VA loan — potential for zero down for active-duty military personnel, veterans, and eligible surviving spouses
USDA loan — potential for zero down for for borrowers in rural areas who have moderate to low incomes
Bank statement loan — for self-employed individuals
KHC Loan --Down payment Assistance Grant for Zero Down Home Loans

Ask your lender about 2-1 buydowns and adjustable-rate mortgages for methods to get a lower initial rate.

How much home can you afford?

Let’s demystify the mortgage process.

Here are three common models lenders use to calculate how much of your income should go toward your monthly mortgage payment:

28/36 rule: Your max monthly mortgage payment can’t exceed 28% of your gross monthly income, and your mortgage plus other monthly debts cannot exceed 36%

While this is a good starting point, this standard is nearly impossible to hit in many housing markets. Most borrowers today have "debt-to-income ratios" closer to 40-50% of their gross income.

Beyond your debts, lenders will evaluate your income, employment history, and credit score.

That's how to get the lowest mortgage rate possible for your borrower scenario.

What about getting the lowest monthly mortgage payment possible?

Boost your credit score
Make a larger down payment
Choose a more affordable home
Shop around for the best mortgage rate
2-1 mortgage buy down with points pay to lower rate
Mortgage Revenue Bonds Programs Kentucky Housing Corp.
Shared Appreciated Mortgage (SAM) in Kentucky

Discounted Mortgage Rate 5.5% 30 year fixed rate loan. ***

Exciting News! KHC is thrilled to reintroduce its MRB program, now featuring an interest rate of 5.5%!

BONUS!!! Add $10,000 in down payment assistance to this amazing program for a power move!
Eligibility requirements for the programs do apply, so reach out to us today for more information. Call or Message us now and seize the moment!

***Subject to Credit Qualifying Criteria and subject to change.

(1) The above rate quote has the following assumptions: $200,000 purchase; $194,000 loan amount; 0% down payment; 620 FICO credit score; property is SFR; borrower has sufficient income and assets to qualify; Tax and insurance impounds required; Estimated closing costs affecting the 6.375% APR include all standard fees. Monthly payment without taxes and insurance is $1,481.00. Rate and Annual Percentage Rate shown as of 11/01/2024, subject to change.

Joel Lobb
Mortgage Loan Officer
Individual NMLS ID #57916

Text/call: 502-905-3708

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.

Kentucky Mortgage Rates and Home Loan Options

Kentucky is known for its native bluegrass pastures, thoroughbred horses, and bluegrass music. It's also estimated that one-third of all bourbon produced comes from the State of Kentucky. Its two largest metropolitan areas are the cities of Louisville and Lexington, the former being the home of the world's most famous horse race, the Kentucky Derby.

For those who don't fancy themselves bourbon fans or sport enthusiasts there are still many options for lively entertainment in Kentucky. And just as many options when it comes to settling down, owning a home, and finding a loan with a great mortgage rate.

The more you know, the better equipped you will be to understand the qualifying requirements from some of the lenders in Kentucky. Most require financial documentation, while others have a more relaxed underwriting process.

It helps to be educated when shopping for your new home loan, and the best place to find out more about current mortgage rates and loan options in Kentucky is right here at lendingtree.com.

Mortgage Interest Rates on Kentucky FHA Loans

The FHA insured loan program provides many borrowers with competitive mortgage interest rates and an excellent loan option with which to purchase a home. Those who don't have a bundle to spend on down payments can use an FHA insured loan through a local lending partner to obtain financing up to 96.5 percent of the purchase price of the home with loan amounts up to $417,000.

To achieve even lower mortgage rates, those who can manage a larger down payment can get a conventional loan through traditional Kentucky lenders. These loans offer the lowest possible interest rates to both existing and new homeowners.

Jumbo Loan Options in Kentucky

If you need a loan that is larger than the conforming loan limit, chances are you'll be getting a jumbo loan. These loans are offered through most local and statewide lenders and those with good credit and income levels large enough to qualify can obtain a jumbo loan at market mortgage rates or just slightly above. They frequently carry higher mortgage interest rates due to the increase risk associated with the larger loan amount.

Assistance with Down Payment, Closing Costs, and KY Mortgage Rates

Government agencies, like the Kentucky Housing Corporation, can provide education materials and counseling for those wishing to own a home in the state of Kentucky. These agencies also offer loan programs through its lender partners in which buyers can tap into one of the following:

Down payment assistance of $6,000 over 10 years at 1% or 5% depending on your income.

• VA Loan - guaranteed by the Veterans Administration for qualified military veterans. Offers no down payment if the property appraises for the sale price or greater, has flexible underwriting is flexible, and no monthly mortgage insurance payments and no minimum credit score requirements. Lenders however will create overlays to require a 620 credit score for most VA mortgage loan approvals nowadays with Automated Underwriting through DO/DU

• Conventional loans – with as little as three percent down payment (lower than FHA requirements) yet still covered by and approved mortgage insurance company. This loan is for those with a credit score of 680 or better, offering quick turnaround time and no up-front mortgage insurance payments.

Kentucky home loan programs to buy your first house in Kentucky

Joel Lobb (NMLS#57916)

Senior Loan Officer

Company ID #1364

Text/call 502-905-3708

kentuckyloan@gmail.com

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. NMLS#57916http://www.nmlsconsumeraccess.org/

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

What to look for while shopping for a Kentucky Mortgage Rate.

Kentucky Mortgage advice – What to look for while shopping for a Kentucky Mortgage Rate.

1. Kentucky Mortgage Rates change daily

It used to be that rates changed once a week or so. In fact when I started in this business I used to receive a set of rates as a printed sheet that would usually be updated once every 2 weeks. Things have changed, especially since the latest financial crisis and during the current recovery. My biggest piece of advice if you are comparing rates is to get each broker, lender and bank to quote you their best rate on the same day.

2. Make sure the lock days being quoted are the same from each lender

Some sneaky mortgage brokers and banks will quote you the rate for a mortgage with an unrealistically short lock date. Banks usually give better rates if you are looking to act on the mortgage quickly because they can be more sure what they are committing to. On purchase transactions a 30 day lock is probably the shortest period you should have quoted and on a refinance 45 days is preferable. Give me a call at the number below if you’d like me to explain this better.

3. Compare apples to apples

Most people know that when you compare one rate to another you need to know what the APR and not the headline rate is. The difference between the headline rate and the APR is that the APR rolls into your rate most of the additional fees that come with the mortgage. The APR will be equal to or higher than the headline rate and a more realistic indicator of what you are actually paying for your mortgage. However, not all brokers disclose the same fees as one another so sometimes APR isn’t the perfect apples to apples comparison either. Make sure before you go ahead with a particular individual you completely understand all the rates you will be charged.

I’m hoping this information is helpful. I believe that the best service I can do for my customers is to be 100% transparent about the process and educate as much as possible about what they are getting into. If you would like to work with me just say the word. I would love to help you find a great product or perhaps just educate you a little more.

Give me a call me at the number below or go to our website get a custom rate quote.

Joel Lobb
Mortgage Loan Officer

Individual NMLS ID #57916

American Mortgage Solutions, Inc.

10602 Timberwood Circle

Louisville, KY 40223

Company NMLS ID #1364

click here for directions to our office

Text/call: 502-905-3708

fax: 502-327-9119
email: kentuckyloan@gmail.com

https://www.mylouisvillekentuckymortgage.com/

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

What effects your Kentucky Mortgage Rate for FHA, VA, USDA and Conventional Mortgage Loans?

What Affects Your Interest Rate for a home loan in Kentucky?

There are really four key factors that will influence rates on your mortgage loan in Kentucky:

The market, your financial situation, the type of Kentucky Mortgage loan (FHA, VA, USDA Conventional), and the loan structure.

The Market for Kentucky Mortgage Rates

Mortgage Backed Security prices directly impact interest rates. Mortgage backed securities or mortgage

bonds are a market just like the stock market. So, when economic news affects these mortgage bond

prices, home loan rates are directly influenced. One of the biggest influencers of this market is

inflation. Inflation or even expectations of inflation will negatively impact mortgage bond prices and

ultimately increase rates on your home loan in Kentucky

Financial Situation For Your Kentucky Mortgage Rate

Income –

Your income gives you the ability to make

your monthly mortgage payments. Generally,

lenders require applicants to have a two-year stable

employment history. Applicants who have been at

their job for a shorter period of time should be in the

same field.

Savings –

Your savings enable you to pay for the

upfront costs associated with purchasing a home.

These include the down payment, closing costs and

cash reserves.

Debts –

The amount of debt you have will impact your

debt to income ratio. Debt payments consist of car

payments, student loans, alimony, required payments

on installment loans and required payments on credit

cards. They do not include rent, utility bills, mortgage

payments for loans being paid off, or payments on

credit card balances that you pay in full at the end of

the month. Lenders look at debt to income ratios to

determine how much home you can buy.

Credit and Credit Score

– If you want to be eligible for

the best mortgage rates, you will need to maintain a

credit score of 760 and above middle score of the

Mortgage Fico Scores lenders pull through Equifax, Experian and Transunion

Not only will this excellent

score motivate the lender to lower your rates to get

you as a customer, you will have more choices about

which mortgages are available to you. Your overall

payment history on the debts you have can also impact

your ability to qualify for certain types of loans, which

can affect your interest rate.

Type of Kentucky Mortgage Loan & Loan Structure

Loan Type

– The type of loan will impact the rate

you can expect. There are many types of loans Kentucky Mortgage Loans.

Conventional, FHA, VA, USDA, and Jumbo loans

can all have different rates.

Occupancy

– The best mortgage rates are

typically offered if you are purchasing a property

that is intended to be occupied as your primary

residence. Rates for second homes and investment

properties are typically higher.

Duration

– The duration of the loan can affect

mortgage rates. A shorter loan period will usually

equate to a lower mortgage rate and a longer loan

will typically have higher rates.

Down Payment –

A larger down payment can

impact interest rates. Putting more down will

decrease the risk for a lender and can improve

your interest rate. If you put less than twenty

percent down, certain types of loans require

mortgage insurance and this can also impact the

interest rates available.

Discount Points –

In order to get a lower rate

some clients choose to pay discount points.

Basically, discount points are percentages of the

loan amount paid in cash at closing in order to

lower a rate.

Lock Term –

The length of time you need to lock

in your rate can impact your rate. Typically, longer

term rates are more expensive.

What effects your Kentucky Mortgage Rate for FHA, VA, USDA and Conventional Mortgage Loans?

Kentucky FHA, VA, USDA & Rural Housing, KHC and Fannie Mae mortgage loans.

Joel Lobb
Mortgage Loan Officer

Individual NMLS ID #57916

American Mortgage Solutions, Inc.

10602 Timberwood Circle

Louisville, KY 40223

Company NMLS ID #1364

click here for directions to our office

Text/call: 502-905-3708

fax: 502-327-9119
email: kentuckyloan@gmail.com

https://www.mylouisvillekentuckymortgage.com/

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

Kentucky Mortgage Rates

Due to Volatility in the current mortgage market, mortgage rates are currently not being posted.

Please call for a mortgage rate quote.

Joel Lobb
Mortgage Loan Officer

Individual NMLS ID #57916

American Mortgage Solutions, Inc.

10602 Timberwood Circle

Louisville, KY 40223

Company NMLS ID #1364

click here for directions to our office

Text/call: 502-905-3708

fax: 502-327-9119
email: kentuckyloan@gmail.com

https://www.mylouisvillekentuckymortgage.com/

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

Louisville Ky Mortgage Rates

Kentucky Housing Loans Jefferson County Kentucky

100_percent_financing Louisville Kentucky

Louisville Ky Mortgage Rates, a set on Flickr.

Louisville Ky Mortgage Rates, by Louisville Ky Mortgage Rates FHA VA USDA KHC

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

Louisville KentuckyHome Mortgage Loans: Mortgage Refinance Tips

Louisville Kentucky Home Mortgage Loans: Mortgage Refinance Tips

Joel Lobb (NMLS#57916)Senior Loan Officer
502-905-3708 cell
502-813-2795 fax
jlobb@keyfinllc.com

Key Financial Mortgage Co. (NMLS #1800)*
107 South Hurstbourne Parkway*
Louisville, KY 40222*

http://mylouisvillekentuckymortgage.com

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

Current Louisville Kentucky Mortgage Rates for today

I am available from 9 AM to 9 PM daily. I make every effort to take all calls and respond to email promptly.

Current Mortgage Rates today in KY: FHA/VA,KHC,USDA,Conventional

Current Louisville Kentucky Mortgage Rates for today

Mortgage Product Mortgage Rates (APR)

15 Year Fixed Conventional 3.625% 4.135% apr

30 Year Fixed Conventional 4.375% 4.834% apr

30 Year Fixed FHA 4.375% 5.275% apr

30 Year Fixed USDA 4.625% 5.288% apr

30 year Fixed VA 4.375% 5.589% apr

30 year Fixed KHC 4.500% 5.470% apr

Current Louisville Kentucky Mortgage Rates today may contain points

Today's Louisville Ky Mortgage Current Rates are subject to qualifying criteria

Subject to credit approval

Rates are subject to change without notice.

Joel Lobb Licesned Mortgage Originator KY (NMLS# 57916)

Key Financial Mortgage (NMLS# 1800)

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10>Current Mortgage Rates in KY today : Louisville Kentucky Mortgage Rates for today (louisvillekentuckymortgagerates.com)

Current Mortgage Rates in KY: Louisville Kentucky today's mortgage rates 05/03/2011 (kentuckyfirsttimehomebuyer.com)

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

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.

Pages

Kentucky Mortgage Rates

Key ways to get your best rate possible on your Kentucky Home loan

Best loan options for Kentucky Mortgage borrowers in today’s market

How much home can you afford?

Discounted Mortgage Rate 5.5% 30 year fixed rate loan. ***

Kentucky Mortgage Rates and Home Loan Options

Mortgage Interest Rates on Kentucky FHA Loans

Jumbo Loan Options in Kentucky

Assistance with Down Payment, Closing Costs, and KY Mortgage Rates

What Affects Your Interest Rate for a home loan in Kentucky?

The Market for Kentucky Mortgage Rates

Financial Situation For Your Kentucky Mortgage Rate

Credit and Credit Score

Type of Kentucky Mortgage Loan & Loan Structure

Due to Volatility in the current mortgage market, mortgage rates are currently not being posted.

Please call for a mortgage rate quote.