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/

Kentucky VA Loan Refinance and Purchase Guidelines


Kentucky VA Loan Refinance and Purchase Guidelines

Kentucky Mortgage Broker Offering FHA, VA, USDA, Conventional, and KHC Down Payment Assistance Home Loans's avatarLouisville Kentucky Mortgage Loans

 

How do I refinance using my Kentucky VA Home Loan?

You can use your Kentucky VA home loan benefit to refinance your existing VA home loan to a lower

interest rate, with little or no out-of-pocket cost. This is called an Interest Rate Reduction

Refinancing Loan (IRRRL), also known as a “rapid refinance” or a “streamline refinance.”

Generally, no appraisal, credit information, or underwriting is required for this refinancing

option, although some lenders may require an appraisal and credit report. The fees and

charges associated with the refinancing loan may be incorporated into the new VA loan.

Remember: The interest rate on the new loan must be lower than the rate on the old loan

(unless you refinance an adjustable-rate mortgage to a fixed-rate mortgage).

To receive an IRRRL, work with your lender to process your application. It’s generally a good

idea to compare several lenders’ rates…

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Kentucky VA Homes for Sale- Kentucky VA Assumable Mortgages


va approved homes for sale kentucky

Kentucky Mortgage Broker Offering FHA, VA, USDA, Conventional, and KHC Down Payment Assistance Home Loans's avatarLouisville Kentucky Mortgage Loans

via Kentucky VA Homes for Sale- Kentucky VA Assumable Mortgages

10412 KNIFLEY RD , KNIFLEY KY 42753
$69,500
Front View
Beds / Baths
4.00 / 2.50
Year Built
1970
Square Feet
1600
MLS
32049
Lot Size
 1-2 ac
Listing Date
8/14/2018
280 RUSSELL CAVE RD , GEORGETOWN KY 40324
$85,950
Front View
Beds / Baths
3.00 / 1.00
Year Built
1950
Square Feet
1552
MLS
18189723
Lot Size
 0.25-0.50 ac
Listing Date
8/23/2018
16 GLENN ST , FLORENCE KY 41042
$120,000
Front View
Beds / Baths
3.00 / 2.00
Year Built
1962
Square Feet
1873
MLS
518289
Lot Size
 0-0.25 ac
Listing Date
8/24/2018
2719 SHAMU DR , HEBRON KY 41048
$109,500
Front View
Beds / Baths
3.00 / 2.00
Year Built
2002
Square Feet
1500
MLS
519915
Lot Size
 0-0.25 ac
Listing Date
8/27/2018
268 ALLBURN HOLW , MC CARR KY 41544
$19,500
Front View
Beds / Baths
4.00 / 2.00
Year Built

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Facing Foreclosure? How Bankruptcy Can Help


SURRENDERING YOUR HOME IN BANKRUPTCY – Louisville Kentucky Mortgage Loans

chicagobestblinds's avatarBankruptcy Attorneys in Chicago

Many Americans fall behind on their mortgage payments. Some lenders and mortgage companies may be willing to work out deals with the homeowners, such as a short sale or loan modification. Most lenders are not. In that case, the lender will most likely begin the foreclosure process, as set out in the mortgage contract. The foreclosure process involves the creditor repossessing and usually selling the house at a public auction. The proceeds from that auction are used to repay the mortgage and any legal costs.

The foreclosure process takes time. Most creditors do not begin foreclosing until the homeowner is two to three months behind on their mortgage payments. This gives the homeowner some time to consider alternatives to foreclosure, such as a loan forbearance, short sale, or deed in lieu of foreclosure. Should all of these alternatives fail, bankruptcy may help in several different ways. So would contacting a

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