FHA, VA, USDA and KHC loans give Kentucky first-time buyers low or zero down payment options — plus down payment assistance up to $12,500. Local lender, free same-day pre-qualifications on most applications.
NMLS #57916 | Company NMLS #1738461 | Equal Housing Lender
I have helped more than 1,300 Kentucky families buy or refinance their home over the last 20+ years. As a mortgage broker, I can shop your loan through more than 10 different mortgage companies to find the best pricing and programs — including options for first-time buyers with credit, income, or down payment challenges that the big banks turn away. You will get honest, up-front personal attention from application to closing.
Start with the guides Kentucky first-time buyers use most.
Real clients. Real Kentucky closings.
We just moved here from Ohio and found Joel’s website online. He was quick to respond, got back the same day on our loan approval, and kept us up to date throughout the whole process. A pleasure to meet at closing.
Angela Forsythe, LouisvilleWe were searching online for mortgage companies in Louisville 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.
Monica LeinhardtWe first used Joel on our new home purchase in St. Matthews and he was great to work with. We have since refinanced with him, and he has always delivered on what he says. I could not imagine using anyone else.
Melody GlasscockFree pre-qualifications with no obligation — most applications get a same-day answer. Call, text, or email to find out which Kentucky first-time buyer program fits you.
Joel Lobb, Senior Loan Officer — NMLS #57916 | Company NMLS #1738461 | Equal Housing Lender. This website is not affiliated with HUD, FHA, VA, USDA, or any other government agency. All approvals and rates are not guaranteed and are issued based on standard mortgage qualifying guidelines. More at mylouisvillekentuckymortgage.com.
