Author: Kentucky Mortgage Broker Offering FHA, VA, USDA, Conventional, and KHC Down Payment Assistance Home Loans

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. Whether you're a first-time homebuyer or seeking a second opinion, I’m here to offer honest, no-pressure advice—always free of charge. I am dedicated to: Attending as many closings as possible Providing responsive, personalized service Ensuring quick, efficient, and accurate loan processing Making myself accessible every step of the way I've been consistently recognized as a top mortgage loan officer in Kentucky for VA, FHA, USDA, and KHC programs. I take pride in being thorough, transparent, and attentive with each and every client. Please take a moment to read my reviews below. If you have questions or need guidance, feel free to call or text me directly. 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/

How Can A First Time Home Buyer With Bad Credit Get A House?


A House, Buyer, Down payment, Fannie Mae, First-time buyer, Freddie Mac, home loan, Kentucky, Kentucky Housing Corporation, Loan, louisville, Louisville Kentucky, Mortgage, Mortgage broker, Mortgage loan, Refinancing, Rural housing, USDA, VA loan, Zero down home loan

Kentucky Mortgage Broker Offering FHA, VA, USDA, Conventional, and KHC Down Payment Assistance Home Loans's avatarKentucky First-Time Home Buyer Programs | USDA, FHA, VA & KHC Loans

Kentucky First Time Home Buyer Loans  

How Can A First Time Home Buyer With Bad Credit Get A House?.

Related Articles

View original post

Tips on Federal VA Loans


here are more Veterans than ever who are eligible for Federal VA financing ! Each day it seems I have an opportunity to work with Veterans who are finishing active duty or are making the transition to civilian life.

Veterans may return to the position they left when called to active duty, or may be hired by a new employer who sees the quality of employee they can have. Qualifying to buy and finance a home is reviewed individually based upon all employment history.

Here are some helpful tips to save money :

If receiving disability income from VA, a Veteran is exempt from the VA Funding Fee. The Funding Fee is financed and over the term of the loan it saves thousands !

Under regular Military, this fee can be 2.15% or on second use 3.3% Those in the reserves have a higher premium.

If you are not eligible to waive the VA Funding Fee– you can save on how much is paid by considering a down payment!

The VA Loan is available for up to 100% of the sales price however, if you consider putting 5% down and fall under regular military it drops from 2.15% to 1.5%. Reservists experience a similar savings! Here is an example:

On a Sales Price of $180,000.00 for a regular military Veteran, the cost of the Funding Fee is $ 3,870.00. At 5% down payment the VA Funding Fee is reduced to $2,700.00.

Have the seller payoff some of the Veterans debts!

Many individuals are not aware that VA Allows a seller to pay off debts . The total amount of contribution to veterans costs and debt cannot the limitation of 4% .

It is essential to work closely with the Real Estate professional on directing the wording in the earnest money agreement to request the amount necessary contribution necessary for the Veteran to close the loan.

Call me for any questions, knowing the flexibility of the Federal VA Program over the years, has enabled me to assist the Veteran in achieving the goal of home ownership!

Kerry Vasquez's avatarKerry Vasquez on Oregon Home Loans

There  are more Veterans than ever who are eligible for Federal VA financing !  Each day it seems I have an opportunity to work with Veterans who are finishing active duty or are making the transition to civilian life.

Veterans may return to the position they left when called to active duty, or may be hired by a new employer who sees the quality of employee they can have.  Qualifying to buy and finance a home is reviewed individually based upon all employment history.

Here are some helpful tips to save money :

If receiving disability income from VA, a Veteran is exempt from the VA Funding Fee.  The Funding Fee is financed and over the term of the loan it saves thousands !

Under regular Military, this fee can be 2.15% or on second use 3.3%   Those in the reserves have a higher premium.

If you are not eligible…

View original post 199 more words

Veterans Loans


Kerry Vasquez's avatarKerry Vasquez on Oregon Home Loans

Financing Options for Veterans:

There are terrific options are available to our qualified veterans serving in “Active duty” or the Reserves.

Federal VA

The Federal VA loan program offers up to 100% financing for a home purchase for Eligible Veterans with the available entitlement. Eligibility established based upon time in military service and type of military separation.

Qualifying periods can be determined in reviewing the DD214 and to see if requirements have been met. Current qualifying periods from 8-2-90 to current date is 90 days active duty.

Reservists called to active duty may be eligible for loan guarantee benefits provided they served at least 90 days of active service and received honorable discharge/separation.
Eligibility is easy to determine. I specialize in working with Veterans in determining their best financing option. A copy of the DD214 and our completion of a VA form will allow us to see if this loan…

View original post 284 more words