Kentucky FHA Guidelines for 2022

FHA pros and cons

FHA loans are a good option, especially if you have low credit or a lot of debt. But they come with their own set of drawbacks too.

FHA pros

Some of the best reasons to apply for an FHA home loan include:

Lenient credit requirements: You can generally qualify for maximum FHA financing with a credit score of 500 to 580 versus a 620 to 640 score for a USDA loan. You might also be eligible with a credit score between 500 and 579 if you can make a 10% down payment.
Higher debt-to-income ratios: Your back-end DTI — that is, your total monthly debt obligations — can be as high as 56.9% for FHA loans, but only 45% for USDA loans.
Potentially lower interest rates: FHA interest rates can be lower than rates for USDA loans because you have the option to choose shorter repayment terms, including a 15-year fixed interest rate. The USDA only offers 30-year fixed loans, which naturally have higher rates.
Multi-family units can qualify: Properties with up to four units can qualify for financing with an FHA loan when one unit is your primary residence. For example, purchasing a duplex with an FHA loan is allowed as long as you live in one half of the property. Like USDA loans, however, second homes and investment properties are ineligible.

FHA cons

Higher down payment requirements: Depending on your credit score, you’ll need to make a 3.5% or 10% down payment. USDA loans require no down payment.
Higher mortgage insurance premiums: Your upfront and annual mortgage insurance premiums are higher than the USDA guarantee fee and annual fee.
Difficult to cancel mortgage insurance: You’ll pay an annual mortgage insurance premium for the life of the loan unless your down payment is at least 10% — in which case, you’ll only pay mortgage insurance for the first 11 years.
Mortgage limits: The maximum loan amount in 2022 in Kentucky is $420,680 for most counties.

Louisville Kentucky Mortgage Lender for FHA, VA, KHC, USDA and Rural Housing Kentucky Mortgages: What is the difference between Conventional, FHA and VA Mortgage loans in Kentucky?

FHA Limits for 2022
Lending Limits for FHA Loans in KENTUCKY Counties
FHA mortgage lending limits in KENTUCKY

ADAIR County
NON-METRO
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
ALLEN County
BOWLING GREEN, KY
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
ANDERSON County
FRANKFORT, KY
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
BALLARD County
PADUCAH, KY-IL
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
BARREN County
GLASGOW, KY
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
BATH County
MOUNT STERLING, KY
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
BELL County
MIDDLESBOROUGH, KY
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
BOONE County
CINCINNATI, OH-KY-IN
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
BOURBON County
LEXINGTON-FAYETTE, KY
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
BOYD County
HUNTINGTON-ASHLAND, WV-KY-OH
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
BOYLE County
DANVILLE, KY
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
BRACKEN County
CINCINNATI, OH-KY-IN
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
BREATHITT County
NON-METRO
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
BRECKINRIDGE County
NON-METRO
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
BULLITT County
LOUISVILLE/JEFFERSON COUNTY, KY-IN
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
BUTLER County
BOWLING GREEN, KY
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
CALDWELL County
NON-METRO
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
CALLOWAY County
MURRAY, KY
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
CAMPBELL County
CINCINNATI, OH-KY-IN
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
CARLISLE County
NON-METRO
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
CARROLL County
NON-METRO
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
CARTER County
HUNTINGTON-ASHLAND, WV-KY-OH
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
CASEY County
NON-METRO
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
CHRISTIAN County
CLARKSVILLE, TN-KY
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
CLARK County
LEXINGTON-FAYETTE, KY
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
CLAY County
LONDON, KY
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
CLINTON County
NON-METRO
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
CRITTENDEN County
NON-METRO
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
CUMBERLAND County
NON-METRO
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
DAVIESS County
OWENSBORO, KY
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
EDMONSON County
BOWLING GREEN, KY
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
ELLIOTT County
NON-METRO
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
ESTILL County
RICHMOND-BEREA, KY
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
FAYETTE County
LEXINGTON-FAYETTE, KY
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
FLEMING County
NON-METRO
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
FLOYD County
NON-METRO
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
FRANKLIN County
FRANKFORT, KY
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
FULTON County
NON-METRO
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
GALLATIN County
CINCINNATI, OH-KY-IN
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
GARRARD County
NON-METRO
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
GRANT County
CINCINNATI, OH-KY-IN
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
GRAVES County
MAYFIELD, KY
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
GRAYSON County
NON-METRO
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
GREEN County
CAMPBELLSVILLE, KY
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
GREENUP County
HUNTINGTON-ASHLAND, WV-KY-OH
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
HANCOCK County
OWENSBORO, KY
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
HARDIN County
ELIZABETHTOWN-FORT KNOX, KY
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
HARLAN County
NON-METRO
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
HARRISON County
NON-METRO
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
HART County
NON-METRO
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
HENDERSON County
EVANSVILLE, IN-KY
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
HENRY County
LOUISVILLE/JEFFERSON COUNTY, KY-IN
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
HICKMAN County
NON-METRO
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
HOPKINS County
MADISONVILLE, KY
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
JACKSON County
NON-METRO
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
JEFFERSON County
LOUISVILLE/JEFFERSON COUNTY, KY-IN
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
JESSAMINE County
LEXINGTON-FAYETTE, KY
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
JOHNSON County
NON-METRO
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
KENTON County
CINCINNATI, OH-KY-IN
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
KNOTT County
NON-METRO
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
KNOX County
LONDON, KY
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
LARUE County
ELIZABETHTOWN-FORT KNOX, KY
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
LAUREL County
LONDON, KY
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
LAWRENCE County
NON-METRO
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
LEE County
NON-METRO
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
LESLIE County
NON-METRO
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
LETCHER County
NON-METRO
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
LEWIS County
NON-METRO
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
LINCOLN County
DANVILLE, KY
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
LIVINGSTON County
PADUCAH, KY-IL
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
LOGAN County
NON-METRO
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
LYON County
NON-METRO
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
MADISON County
RICHMOND-BEREA, KY
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
MAGOFFIN County
NON-METRO
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
MARION County
NON-METRO
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
MARSHALL County
NON-METRO
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
MARTIN County
NON-METRO
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
MASON County
MAYSVILLE, KY
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
MCCRACKEN County
PADUCAH, KY-IL
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
MCCREARY County
NON-METRO
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
MCLEAN County
OWENSBORO, KY
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
MEADE County
ELIZABETHTOWN-FORT KNOX, KY
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
MENIFEE County
MOUNT STERLING, KY
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
MERCER County
NON-METRO
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
METCALFE County
GLASGOW, KY
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
MONROE County
NON-METRO
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
MONTGOMERY County
MOUNT STERLING, KY
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
MORGAN County
NON-METRO
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
MUHLENBERG County
CENTRAL CITY, KY
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
NELSON County
BARDSTOWN, KY
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
NICHOLAS County
NON-METRO
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
OHIO County
NON-METRO
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
OLDHAM County
LOUISVILLE/JEFFERSON COUNTY, KY-IN
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
OWEN County
NON-METRO
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
OWSLEY County
NON-METRO
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
PENDLETON County
CINCINNATI, OH-KY-IN
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
PERRY County
NON-METRO
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
PIKE County
NON-METRO
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
POWELL County
NON-METRO
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
PULASKI County
SOMERSET, KY
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
ROBERTSON County
NON-METRO
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
ROCKCASTLE County
NON-METRO
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
ROWAN County
NON-METRO
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
RUSSELL County
NON-METRO
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
SCOTT County
LEXINGTON-FAYETTE, KY
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
SHELBY County
LOUISVILLE/JEFFERSON COUNTY, KY-IN
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
SIMPSON County
NON-METRO
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
SPENCER County
LOUISVILLE/JEFFERSON COUNTY, KY-IN
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
TAYLOR County
CAMPBELLSVILLE, KY
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
TODD County
NON-METRO
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
TRIGG County
CLARKSVILLE, TN-KY
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
TRIMBLE County
NON-METRO
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
UNION County
NON-METRO
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
WARREN County
BOWLING GREEN, KY
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
WASHINGTON County
NON-METRO
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
WAYNE County
NON-METRO
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
WEBSTER County
NON-METRO
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
WHITLEY County
LONDON, KY
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
WOLFE County
NON-METRO
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150
WOODFORD County
LEXINGTON-FAYETTE, KY
Single Duplex Tri-plex Four-plex
$420,680 $538,650 $651,050 $809,150

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

I have helped over 589 Kentucky families buy or refinance their home over the last 18 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. Give us a try or let us compare your options on your next mortgage transaction. Call me locally 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 with little money down, we offer Kentucky Housing or KHC loans with down payment assistance. 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 2017 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 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 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 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. larry summit 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 . Joel Lobb Senior Loan Officer American Mortgage Solutions, Inc. 10602 Timberwood Circle Suite 3 Louisville, KY 40223 phone: (502) 905-3708 Fax: (502) 327-9119 kentuckyloan@gmail.com http://www.mylouisvillekentuckymortgage.com/ Company ID #1364 | MB73346E This website is not an government agency, and does not officially represent the HUD, VA, USDA or FHA or any other government agency. http://www.nmlsconsumeraccess.org/ 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. NMLS#57916 http://www.nmlsconsumeraccess.org/ . The content in this marketing advertisement has not been approved, reviewed, sponsored or endorsed by any department or government agency. Rates are subject to change and are subject to borrower(s) qualification. View all posts by Louisville Kentucky Mortgage Broker Offering FHA, VA, USDA, Conventional, and KHC Zero Down Payment Home Loans

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 definitely recommend 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 2017

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 June 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

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.

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.

Privacy Policy We take our clients' financial privacy very seriously. During the course of processing your application, we accumulate non-public personal financial information from you and from other sources about your income, your assets, and your credit history in order to allow a lender to make an informed decision about granting you credit. We restrict access to nonpublic personal information about you to those employees who need to know that information to provide products or services to you. We maintain physical, electronic, and procedural safeguards that comply with federal regulations to guard your nonpublic personal information. We collect nonpublic information about you from the following sources: (i) information we receive from you on applications or other forms; (ii) information about your transactions with us, our affiliates, or others; and (iii) information we receive from a consumer reporting agency. We do not disclose any nonpublic information about our customers or former customers to any third party, except as permitted by law.

Customer Testimonials

Angela Forsythe

Monica Leinhardt

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

Stacie Drake

Melody Glasscock March 2014

Cee Bellisle August 2017

Anderson Johnson June 2018

Patty Kingston

Joel Lobb (NMLS#57916)
Senior Loan Officer

American Mortgage Solutions, Inc.

10602 Timberwood Circle Suite 3

Louisville, KY 40223

Company ID #1364 | MB73346

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/

— Some products and services may not be available in all states. Credit and collateral are subject to approval. Terms and conditions apply. This is not a commitment to lend. Programs, rates, terms and conditions are subject to change without notice. The content in this marketing advertisement has not been approved, reviewed, sponsored or endorsed by any department or government agency. Rates are subject to change and are subject to borrower(s) qualification.

—

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.

PRIVACY POLICY
“Site” refers to this Internet web site ) and its related services. “You” or “User” refers to a registered user of this Site. “American Mortgage Solutions.” or “We” refers to American Mortgage Solutions..
This Site contains links to other sites.
American Mortgage Solutions. is not responsible for the privacy practices of the content of any other Web sites to which We link or to which We are linked. We encourage You to read the posted privacy statement whenever interacting with any web site.
The Work Space.
This area of the Site is for the benefit of Users. The private and shared Work Space areas of the Site help to facilitate communication and the exchange and sharing of information. The information contained in private work spaces shared between Users and American Mortgage Solutions. is not used for any purposes other than to facilitate communication and the exchange of information between the parties involved.

Information We Gather.

Registration.
If You register to use or provide services using American Mortgage Solutions., we may collect and store information that specifically identifies You or your account (“Personally Identifiable Information”). The required information may include your User ID, password, first name, last name, business name, address, city, state, zip/postal code, phone, fax, email and web site address. We may, in the future, include other optional requests for information from You, to help us to tailor the Site for You and deliver personalized information to You.

Online Surveys and Contests.
American Mortgage Solutions. may conduct online user surveys to collect information about our Users preferences. These surveys are optional and if You choose to respond, your responses will be kept anonymous. Similarly, we offer contests to qualifying Users in which we ask for contact and demographic information such as name, email address and mailing address.

Automatically Gathered Information.
American Mortgage Solutions. automatically collects your browser type and browser software version to tailor the presentation of the services to your platform and to maintain a record of your activity on the Site. American Mortgage Solutions. may also use cookies to enable users to specify unique preferences and to track user trends and patterns. Users always have the option of disabling cookies via their browser preferences. If You disable cookies on your browser, please note that some parts of our Site may not function as effectively or may be considerably slower. As an automatic process, our web server software records a log file of IP addresses that access the Site. We also collect IP address information but do not ordinarily link IP addresses to Users Personally Identifiable Information. However, We can and will use IP addresses to identify a User when We, in our sole discretion, determine that it is necessary to enforce compliance with our Terms and Conditions of Use or to protect our service, Site, customers or others.

Your Public Profile.
As part of registration, You may be required to provide contact information such as name, address, city, state, zip, phone, fax and email address, some of which can be displayed to other users of our service in an effort to simplify communication between members.

How We Use Information.

Registration Information.
We use Personally Identifiable Information for our own internal purposes including contacting You via email to inform You about updates to our services and providing You with other information that we deem necessary. We reserve the right to disclose your information as required by law. We do not rent or sell our Users Personally Identifiable Information to third parties.

Advertising.
At this time we do not display banner advertising on our site, but we may send You email communications including information that we think may be of interest to You. You may opt out of receiving these promotional email communications, either when You register to become a Member, or at any time thereafter by contacting us.

Demographic Information, Surveys and Contests.
The demographic information that American Mortgage Solutions. collects in the registration process and through online surveys may be used to help us improve our services to meet the needs and preferences of our Users. This may include targeting advertising to You about our services. Information we gather through a contest may also be disclosed to third parties as necessary for prize fulfillment and other aspects of any contest or similar offering.

Comments Submitted by Users.
American Mortgage Solutions. constantly seeks to improve the quality of the services We provide and the User experience on the Site. We value your input and encourage You to help us expand and make improvements to the Site by providing Us with any thoughts or comments You might have regarding our services or the operation of the Site. You can submit any comments by contacting us. If You provide this information, we will only use it to acknowledge or respond to your comments. In certain circumstances, we may ask for your permission to post your comments in marketing or promotional materials.

Security.
We will use commercially reasonable methods to keep Personally Identifiable Information securely in our files and systems. Please note that with current technology, we cannot guarantee the security of your data as it travels over the Internet.

How We Respond To Browser Do Not Track Requests
American Mortgage Solutions. and other parties not affiliated with us may collect Personally Identifiable Information about your online activities over time and across different websites when you use our website or the services offered on our website. Industry standards regarding how to handle “Do Not Track” requests from web browsers are still evolving and there is currently no set of industry standards for handling such requests. As such we may not separately respond to or take any action with respect to a “do not track” configuration set in your internet browser. At this time, we do not have any protocol in place that allows you to opt-out of internet tracking. If you have any questions regarding our internet tracking methods please contact us.
Terminating Your Membership.
We save your Personally Identifiable Information until your membership with us is terminated. To terminate your membership, contact us. If You terminate your membership, your Personally Identifiable Information cannot be recovered. You may continue to receive email communications for a short period of time until we have updated all of our databases. After termination of your membership, your Personally Identifiable Information may remain on our archived database and records for a reasonable time as residual information. We will not use this residual information. Notwithstanding the above, we will maintain information on Users who have been removed for violating our Membership Agreement.

Correcting/Updating Your Information.
To correct and/or update your information, please contact us.

Contacting Us.
If You have any questions about this Privacy Agreement or the practices of this Site, you may contact us at:
American Mortgage Solutions.
Customer Service
10602 Timberwood Circle, Suite 3
Louisville, Kentucky 40223
502-905-3708

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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.