Joel Lobb Kentucky Mortgage Expert

08/30/2026

2026 Loan Limits in Kentucky: Conventional $832,750, FHA $541,287

Kentucky's 2026 loan limits: conventional conforming now $832,750 and FHA $541,287 in all 120 counties. Full 1-4 unit tables and effective dates....

Kentucky's 2026 loan limits: conventional conforming now $832,750 and FHA $541,287 in all 120 counties. Full 1-4 unit tables and effective dates.

08/24/2026

Kentucky SmartBuy: 3.5% Forgivable Down Payment Help

SmartBuy DPA in Kentucky — forgivable and repayable down payment assistance on FHA and USDA loans. No first-time buyer requirement. 640 minimum credit score. See if you qualify....

SmartBuy DPA in Kentucky — forgivable and repayable down payment assistance on FHA and USDA loans. No first-time buyer requirement. 640 minimum credit score. See if you qualify.

07/15/2026

$2,000 homebuyer grant — Louisville, KY 👇
If you're a first-time buyer in the Louisville area, the GLAR Foundation grant may help cover your down payment, closing costs, or prepaid escrow. Paid straight to your title company at closing. A grant — not a loan.
You may qualify if you're:
✅ A first-time buyer (never owned/held a deed)
✅ At or below 80% AMI
✅ 6+ months in the GLAR service area
✅ Done with HUD-approved homebuyer education
Funding is limited — DM me "GRANT" or call/text 502-905-3708 and let's see if you qualify. 🏡🔑
NMLS #57916 · Equal Housing Lender · Grant subject to Foundation approval & funding.

07/14/2026

$2,000 GLAR Foundation Grant for Louisville KY First-Time Homebuyers

Eligible Louisville-area first-time homebuyers may qualify for up to $2,000 from the GLAR Foundation for down payment, closing costs, or prepaid escrow items. Learn eligibility, eligible counties, and how to apply....

Eligible Louisville-area first-time homebuyers may qualify for up to $2,000 from the GLAR Foundation for down payment, closing costs, or prepaid escrow items. Learn eligibility, eligible counties, and how to apply.

07/09/2026

Credit scores are not just about whether you pay your bills on time.

One major factor is credit utilization.

That means how much of your available credit you are using.

For example:

A $500 balance on a $1,000 limit is 50% utilization.

A $500 balance on a $2,000 limit is 25% utilization.

Same balance, but the credit scoring impact can be very different.

For mortgage approval, this matters because even small score improvements can affect loan options, approval strength, and sometimes the interest rate.

One big caution: do not open new credit or request a credit limit increase right before buying a home unless you have talked with your loan officer first. A hard inquiry or new account can cause underwriting issues.

If you are a Kentucky first-time buyer and want to know where you stand, message me. I’ll help you review the next best step. 🏡

07/08/2026

Another happy Kentucky homeowner! 🏡⭐️⭐️⭐️⭐️⭐️

I’m grateful for this kind review from Karla Mills and the Mills and Green family. Buying a home can feel overwhelming, but the right loan process should be clear, organized, and handled with communication from start to finish.

Whether you’re looking at FHA, VA, USDA, KHC, or Conventional financing, my goal is to help you understand your options, avoid surprises, and move toward closing with confidence.

If you’re thinking about buying or refinancing in Kentucky, reach out anytime.

Joel Lobb
Mortgage Broker – FHA, VA, USDA, KHC, Fannie Mae
📞 Call/Text: 502-905-3708
📧 [email protected]

NMLS #57916 | Company NMLS #1738461

07/03/2026

06/28/2026

Buying a Double-Wide on Rural Kentucky Land? Check This First

Thinking about buying a double-wide manufactured home on rural land in Kentucky? Before you make an offer, check the three things that can make or break financing: title status, permanent foundation, and appraisal support.
FHA, USDA, VA, or conventional financing may be possible, but the exact home, land, foundation, utilities, zoning, and borrower profile matter.

Call or text Joel Lobb: 502-905-3708
EVO Mortgage | NMLS #57916 | Company NMLS #1738461

06/27/2026

an you buy a home in Kentucky with $0 down in 2026? 🏡

A USDA Rural Housing loan may help eligible buyers purchase a home with 100% financing in approved rural or suburban areas.

USDA does not mean farm only. Many Kentucky small towns may qualify.

Before you shop, check:

✅ Property eligibility
✅ Household income limits
✅ Credit score and payment history
✅ Debt-to-income ratio
✅ Property condition
✅ Estimated cash to close

Watch this before you start house hunting.

Joel Lobb
NMLS #57916 | Company NMLS #1738461
Call/Text: 502-905-3708

Equal Housing Lender. Not all borrowers will qualify. Guidelines subject to change. All loans subject to approval.