Joel Lobb Kentucky Mortgage Expert

10/31/2026

Veterans: wondering if your credit is ready for a VA home loan? This 1-minute video covers what lenders look at: on-time payments, judgments, federal debts, collections, bankruptcy, credit counseling, divorce and short sales.

As an Army veteran myself, I'm happy to review your credit with you before you apply. Call/text 502-905-3708.

Joel Lobb, NMLS 57916 | EVO Mortgage, Company NMLS 1738461 | Kentucky only | Equal Housing Lender | Subject to credit approval | Not endorsed by the VA or any government agency.

10/27/2026

Credit Report Disputes and Kentucky Mortgage Approval: 2026 FHA, VA, USDA & KHC Rules

An open credit dispute can downgrade your Kentucky FHA, USDA, VA or KHC approval. The 2026 rules ($1,000 FHA, $2,000 USDA) and how to remove a dispute before you apply....

An open credit dispute can downgrade your Kentucky FHA, USDA, VA or KHC approval. The 2026 rules ($1,000 FHA, $2,000 USDA) and how to remove a dispute before you apply.

10/23/2026

Minimum Credit Score for a Kentucky Mortgage (2026): FHA, VA, USDA, Conventional, KHC & Non-QM

Kentucky mortgage credit score minimums for 2026: FHA 500 (10% down) or 580 (3.5% down), VA no official minimum (580-620 typical), USDA 640 for GUS approval, conventional 620, KHC 620, Non-QM varies....

Kentucky mortgage credit score minimums for 2026: FHA 500 (10% down) or 580 (3.5% down), VA no official minimum (580-620 typical), USDA 640 for GUS approval, conventional 620, KHC 620, Non-QM varies.

10/22/2026

Kentucky homeowners: a possible change that could make refinancing cheaper.

The White House is reportedly reviewing a draft executive order, "Decreasing Housing Costs for the American People." It has NOT been signed, and details may change. The current draft would:

- Cut or eliminate certain fees on eligible refinances
- Waive appraisals and some paperwork on qualifying refinances that lower your payment
- Expand title insurance waivers to reduce closing costs
- Direct the VA and USDA to pursue lower rates
- Require servicers to tell you when you may qualify to drop mortgage insurance

If you bought or refinanced in the last few years at a higher rate, now is a smart time to review your options. I am happy to tell you plainly whether a refinance may make sense now or whether it is better to wait.

Full write-up: https://www.mylouisvillekentuckymortgage.com/2026/10/kentucky-homeowners-draft-white-house.html

Call or text Joel Lobb: 502-905-3708

Joel Lobb, EVO Mortgage | NMLS #57916 | Company NMLS #1738461 | Licensed in Kentucky | Equal Housing Lender. Not a commitment to lend. All loans subject to credit approval and program requirements. Proposed policies are not final and may change.

10/08/2026

Mortgage Rates Jump to 7.55%: Why Rates Rose and What It Costs Kentucky Buyers (October 2026)

30-year mortgage rates hit 7.55% on Oct 6, 2026, the highest since 2023. Why rates rose and what it costs on a $250K Kentucky loan: about $261/month more....

30-year mortgage rates hit 7.55% on Oct 6, 2026, the highest since 2023. Why rates rose and what it costs on a $250K Kentucky loan: about $261/month more.

10/07/2026

Mortgage Rates Rise: Kentucky Buyer Update | Joel Lobb

Mortgage rates moved higher in the October 6, 2026 WSJ Buy Side article: the reported national 30-year fixed average rose from 7.33% to 7.55% over a week. Watch how bond-market selling can affect rates and why comparing APR, fees, and points matters.

Buying in Kentucky? Call/text Joel Lobb at EVO Mortgage: 502-905-3708.
https://www.mylouisvillekentuckymortgage.com/
[email protected]

Rates are dated national averages, not a personalized offer.
NMLS #57916 | Company NMLS #1738461

09/29/2026

From Contract to Keys: The Kentucky Home Closing Process in 8 Steps (2026)

Your offer was accepted. Here are the 8 steps from contract to keys in Kentucky: disclosures, inspection, appraisal, underwriting, clear to close, the Closing Disclosure and closing day, with timelines and your to-do at each step....

What happens after your offer is accepted in Kentucky: 8 steps from contract to closing, typical timelines by loan type, what delays closing, and your to-do list at each step.

09/29/2026

Kentucky Mortgage Rates 2026: What Sets Your Rate and How to Get the Best One

What sets your Kentucky mortgage rate in 2026, how FHA, VA, USDA and conventional rates compare, rate vs APR, points, rate locks and how to get the best rate....

What sets your Kentucky mortgage rate: credit, down payment, program and points. Compare FHA, VA, USDA and conventional rates, APR, rate locks and more.

09/28/2026

Kentucky Refinance Options 2026: FHA, VA, USDA and Conventional

How Kentucky refinancing works in 2026: rate-and-term vs cash-out, break-even math, FHA Streamline, VA IRRRL, USDA Streamlined-Assist, conventional refinances and removing FHA MIP....

Compare Kentucky refinance options for 2026: FHA Streamline, VA IRRRL, USDA Streamlined-Assist, conventional and cash-out, plus break-even math and how to drop FHA MIP.