Getting started is free, takes about ten minutes, and puts you under no obligation. Most applications get an answer the same business day.

You will work directly with me — not a call center, not a rotating team. I have spent over 20 years originating Kentucky mortgages and have helped more than 1,300 Kentucky families buy or refinance a home.

Three ways to start

1. Call or text — fastest

502-905-3708
Text is fine. Tell me you are a veteran or active duty and looking at a VA loan, and we can usually sort out where you stand in one conversation.

2. Email

kentuckyloan@gmail.com
Send me a short note about what you are trying to do and the best time to reach you.

3. Send a message below

Fill out the form at the bottom of this page and I will get back to you personally.

What to have handy

You do not need all of this to start the conversation. Gather it once we are moving forward.

  • Certificate of Eligibility (COE) — I can pull this for you in most cases
  • DD-214 if you are separated from service, or a statement of service if active duty
  • Most recent 30 days of pay stubs
  • W-2s for the last two years
  • Two months of bank statements, all pages
  • Two years of tax returns if self-employed or commissioned
  • VA disability award letter, if you receive disability compensation

What happens after you apply

  1. We talk. I review your income, credit, and what you are trying to buy. No cost, no credit damage from a conversation.
  2. I pull credit and run your file. With your permission, I run it through automated underwriting.
  3. You get a pre-approval letter. Usually the same business day. This is what your real estate agent needs to write an offer.
  4. You shop with confidence. I stay available to your agent and the seller’s agent throughout.

A few things worth knowing about VA loans

  • No down payment is required on most VA purchases when the home appraises at or above the contract price.
  • No monthly mortgage insurance — a meaningful monthly savings compared to FHA or low-down-payment conventional loans.
  • The VA funding fee may be waived entirely if you receive VA disability compensation. See the funding fee and disability exemption details.
  • There is no VA-set minimum credit score. Lenders set their own overlays. See Kentucky VA credit score requirements.
  • Your benefit can be reused. A previous VA loan does not disqualify you.

More detail: Kentucky VA Mortgage Loans · VA Guidelines

Send me a message

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Thank you for your response. ✨

Joel Lobb
Mortgage Loan Officer — FHA, VA, USDA, KHC, Fannie Mae
EVO Mortgage
911 Barret Ave, Louisville, KY 40204
Call/Text: 502-905-3708
Email: kentuckyloan@gmail.com
NMLS #57916 | Company NMLS #1738461

Licensed in Kentucky only. Equal Housing Lender. This is not a commitment to lend. All loans are subject to credit approval, appraisal, and program guidelines, and terms are subject to change. This website is not affiliated with or endorsed by the U.S. Department of Veterans Affairs, FHA, USDA, or any government agency. NMLS Consumer Access: www.nmlsconsumeraccess.org