The purpose of this notice is to announce the removal of the September 30, 2021 deadline for COVID-19 impacted Direct Loan borrowers to request mortgage payment assistance. Direct Loan Borrowers may request assistance until the end of the National Emergency is declared

Mortgage (Payment) Forbearance Guidance:

Borrowers who experience financial hardship due, directly or indirectly, to the COVID-19 emergency may request and be granted an initial forbearance until the end of the National Emergency is declared. The initial forbearance period may be up to 180 days and the borrower may request an extension of up to an additional 180 days.

Borrowers who received an initial CARES Act forbearance may be granted up to two additional three-month payment forbearances. The borrower must request each extension individually.

Borrowers who received a COVID-19 forbearance under this guidance may have the interest waived that accrues on missed payments during the forbearance period. Loans may be reamortized at the conclusion of the forbearance. The term of the initial forbearance and any extension may be shortened at the borrower’s request.

For more information on USDA Rural Development’s actions to support customers directly impacted by COVID-19, visit https://www.rd.usda.gov/coronavirus.

USDA Homes for Sale in Kentucky

Photo	Listing Type	Street Address	City	State	County	Zip	Price/Bid	Beds	Baths	Sq. Ft.
Details	Foreclosure	245 Midway Ave Map	Madisonville	Kentucky	Hopkins	42431	$17,155	3	2	1426
Details	Foreclosure	1495 Highland Dr. Map	Beaver Dam	Kentucky	Ohio	42320	$26,800	3	1.5	1112
Details	Foreclosure	207 Kess Drive Map	Mayfield	Kentucky	Graves	42066	$32,830	3	2	1804
Details	Foreclosure	4937 Walnut Creek Rd Map	Scottsville	Kentucky	Allen	42164	$33,500	4	2	1980
Details	Foreclosure	145 Stonegate Dr Map	Paducah	Kentucky	McCracken	42003	$36,850	3	2	1894
Details	Foreclosure	3560 Whitney Rd Map	Scottsville	Kentucky	Allen	42164	$39,005	2	1	840
Details	Foreclosure	2624 Wesco Dr. Map	Madisonville	Kentucky	Hopkins	42431	$59,785	3	1	1138
Details	Foreclosure	1456 Tucker Schoolhouse R Map	Madisonville,	Kentucky	Hopkins	42431	$65,405	3	2	1871
Details	Foreclosure	2119 Antioch Church Rd Map	Hanson	Kentucky	Hopkins	42413	$75,150	3	2	1388
Details	Foreclosure	651 Sherwood Place Map	Madisonville	Kentucky	Hopkins	42431	$78,795	3	2	1632

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.

Foreclosure Sales for Kentucky USDA Rural Development Homes 2017

Kentucky USDA Rural Development Homes 2017 Foreclosure List

Address	Bed/Bath	Price
933 Vallance St.	3/1	$26,130.00 - GovtBid
Flatwoods, KY 41139		Foreclosure Sale

117 Dove Drive	3/1	$34,840.00 - GovtBid
Lawrenceburg, KY 40342		Foreclosure Sale

301 Eastview Circle	2/1	$51,135.00 - GovtBid
Shelbyville, KY 40065		Foreclosure Sale

3022 Paddock Loop	3/2	$77,245.00 - GovtBid
Lawrenceburg, KY 40342		Foreclosure Sale

117 Bussell St	3/1	$20,100.00 - GovtBid
Brodhead, KY 40409		Foreclosure Sale

520 Hickory Rd	3/1.5	$49,580.00 - GovtBid
Lawrenceburg, KY 40342		Foreclosure Sale

1019 Parkside Drive	2/1	$33,500.00 - GovtBid
Georgetown, KY 40324		Foreclosure Sale

50 Crabtree Rd	3/2	$43,515.00 - GovtBid
Strunk, KY 42649		Foreclosure Sale

1038 Rueland Dr	3/2	$77,470.00 - GovtBid
Lawrenceburg, KY 403429093		Foreclosure Sale

192 Bryce Way	3/2	$63,375.00 - GovtBid
Mount Washington, KY 40047		Foreclosure Sale

105 Woodland Place	3/1.5	$18,090.00 - GovtBid
Mt Vernon, KY 40456		Foreclosure Sale

509 Black John Hollow	3/1	$40,870.00 - GovtBid
Quincy, KY 41166		Foreclosure Sale

162 Heavenly Heights Rd	3/1	$14,740.00 - GovtBid
Manchester, KY 40962		Foreclosure Sale

5983 Boulder View	2/2	$48,240.00 - GovtBid
Cold Springs, KY 41076		Foreclosure Sale

328 E. Legend Dr	3/2	$40,200.00 - GovtBid
Mount Sterling, KY 40353		Foreclosure Sale

90 Brewer Subdivision	3/1	$21,440.00 - GovtBid
Campton, KY 41301		Foreclosure Sale

RR 746 Box 5230	3/1.5	$16,750.00 - GovtBid
Campton, KY 41301		Foreclosure Sale

234 Gardner Lane	3/1	$25,460.00 - GovtBid
Mt Sterling, KY 40353		Foreclosure Sale

95 Pine Grove Rd.	3/1	$13,400.00 - GovtBid
Morehead, KY 40351		Foreclosure Sale

1052 Centerville Rd.	3/1	$12,395.00 - GovtBid
West Liberty, KY 41472		Foreclosure Sale

Guide Reference – http://www.rd.usda.gov/files/3555-1chapter11.pdf

01414_ayaynqojqrd_600x450 — text/talk 502-905-3708 kentuckyloan@gmail.com

text or call my phone: (502) 905-3708
email me at kentuckyloan@gmail.com

The view and opinions stated on this website belong solely to the authors, and are intended for informational purposes only. The posted information does not guarantee approval, nor does it comprise full underwriting guidelines. This does not represent being part of a government agency. The views expressed on this post are mine and do not necessarily reflect the view of my employer. Not all products or services mentioned on this site may fit all people. NMLS ID# 57916, (www.nmlsconsumeraccess.org). Mortgage loans only offered in Kentucky.

All loans and lines are subject to credit approval, verification, and collateral evaluation and are originated by lender. Products and interest rates are subject to change without notice. Manufactured and mobile homes are not eligible as collateral.

Kentucky USDA Rural Homes for Sale Currently

Your properties subscription for USDA Single Family Housing is kentuckyloan@gmail.com as of 11/15/2016

State	Days Old	Counties

KY	365	ADAIR, ALLEN, ANDERSON, BALLARD, BARREN, BATH, BELL, BOONE, BOURBON, BOYD, BOYLE, BRACKEN, BREATHITT, BRECKINRIDGE, BULLITT, BUTLER, CALDWELL, CALLOWAY, CAMPBELL, CARLISLE, CARROLL, CARTER, CASEY, CHRISTIAN, CLARK, CLAY, CLINTON, CRITTENDEN, CUMBERLAND, DAVIESS, EDMONSON, ELLIOTT, ESTILL, FAYETTE, FLEMING, FLOYD, FRANKLIN, FULTON, GALLATIN, GARRARD, GRANT, GRAVES, GRAYSON, GREEN, GREENUP, HANCOCK, HARDIN, HARLAN, HARRISON, HART, HENDERSON, HENRY, HICKMAN, HOPKINS, JACKSON, JEFFERSON, JESSAMINE, JOHNSON, KENTON, KNOTT, KNOX, LARUE, LAUREL, LAWRENCE, LEE, LESLIE, LETCHER, LEWIS, LINCOLN, LIVINGSTON, LOGAN, LYON, MADISON, MAGOFFIN, MARION, MARSHALL, MARTIN, MASON, MCCRACKEN, MCCREARY, MCLEAN, MEADE, MENIFEE, MERCER, METCALFE, MONROE, MONTGOMERY, MORGAN, MUHLENBERG, NELSON, NICHOLAS, OHIO, OLDHAM, OWEN, OWSLEY, PENDLETON, PERRY, PIKE, POWELL, PULASKI, ROBERTSON, ROCKCASTLE, ROWAN, RUSSELL, SCOTT, SHELBY, SIMPSON, SPENCER, TAYLOR, TODD, TRIGG, TRIMBLE, UNION, WARREN, WASHINGTON, WAYNE, WEBSTER, WHITLEY, WOLFE, WOODFORD, WOODFORD

Address	Bed/Bath	Price
500 White Oak Rd	3/2	$17,000.00 - GovtBid
Irvine, KY 40336		Foreclosure Sale

7234 Nekirk Rd.	3/1	$25,460.00 - GovtBid
Ashland, KY 41102		Foreclosure Sale

91 Roxanne St	3/1	$18,760.00 - GovtBid
Clearfield, KY 403139771		Foreclosure Sale

275 Highway 227 N	3/1	$42,210.00 - GovtBid
New Liberty, KY 40355		Foreclosure Sale

1721 Village Lane	3/1	$23,450.00 - GovtBid
Shelbyville, KY 40065		Foreclosure Sale

177 Crawford Rd	3/1	$30,820.00 - GovtBid
Clearfield, KY 403139648		Foreclosure Sale

415 Grassy Knoll Rd.	2/2	$28,140.00 - GovtBid
Flemingsburg, KY 41041		Foreclosure Sale

1225 Tim Tam Way	3/2	$64,695.00 - GovtBid
Lawrenceburg, KY 40342		Foreclosure Sale

171 State Route 1461	3/2	$24,790.00 - GovtBid
Fulton, KY 42041		Foreclosure Sale

204 N. Madison St.	2/1	$26,800.00 - GovtBid
Owenton, KY 40359		Foreclosure Sale

125 Gloria Dr.	3/1	$36,850.00 - GovtBid
Shelbyville, KY 400658910		Foreclosure Sale

2 Pebble Court	3/1	$30,820.00 - GovtBid
Frankfort, KY 40601		Foreclosure Sale

381 Dunroven Dr.	4/1.5	$40,200.00 - GovtBid
Versailles, KY 40383		Foreclosure Sale

377 Damron Br.	3/1	$26,130.00 - GovtBid
Grayson, KY 41143		Foreclosure Sale

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About Me

Your Trusted Kentucky Mortgage Expert I specialize in assisting Kentucky First-Time Homebuyers with mortgage loans, including FHA, VA, USDA & Rural Housing, KHC (Kentucky Housing Corporation), and Fannie Mae programs. With over 20 years of experience in the mortgage industry, I’ve helped more than 1,300 Kentucky families achieve their dream of homeownership or refinance their current mortgages to secure lower payments. Whether you’re a first-time buyer or looking to refinance, I am here to guide you through every step of the process with personalized attention, expert advice, and the best loan options available to fit your unique needs. Down Payment Assistance: For Kentucky first-time homebuyers, we still have down payment assistance available through KHC programs. These funds can make a huge difference in reducing upfront costs and making homeownership more accessible. Why Work With Me? Local Expertise: I know the ins and outs of Kentucky’s housing market and loan programs. Fast Approvals: I offer free mortgage applications with same-day approvals to keep the process moving quickly. Customized Loan Solutions: Whether you’re buying a home or refinancing, I’ll find the right loan program to fit your needs. Personalized Service: I treat every client like family, ensuring you’re supported and informed throughout the process. About My Website Visit my website for a wealth of resources tailored to Kentucky homebuyers. You’ll find: Step-by-step guides for first-time homebuyers. Information on loan programs like FHA, VA, USDA, and KHC. Tools to help you calculate potential payments and affordability. Blog posts with tips and updates on the Kentucky housing market. A secure portal to start your loan application and upload documents. Please Note: My website is not endorsed by the FHA, VA, USDA, or any government agency. It is an independent platform created to educate and assist homebuyers with expert advice and accessible tools. -- 1 - Email - kentuckyloan@gmail.com 2. Call/Text - 502-905-3708 Joel Lobb Mortgage Loan Officer - Expert on Kentucky Mortgage Loans www.mylouisvillekentuckymortgage.com 911 Barret Ave., Louisville, KY 40204 Evo Mortgage Company NMLS# 1738461 Personal NMLS# 57916 For assistance with Kentucky mortgage loans, reach out via email, call, or text Joel Lobb directly. Licensing Info: Kentucky Mortgage Loan Only NMLS Personal ID: 57916 Company NMLS ID: 1738461 www.nmlsconsumeracces.org Equal Housing Lender Email ThisBlogThis!Share to XShare to FacebookShare to Pinterest Joel Lobb, Mortgage Broker FHA, VA, KHC, USDA

Kentucky USDA Rural Housing Mortgage Loan Officer Expert..

I have helped over 1300 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 a competitive priced loan locally. Whereas most banks will offer offer you their one set of loan products. I have access to over 15 different mortgage companies to broker your loan through to get you competitive 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/text 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, 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

call/text phone: (502) 905-3708
kentuckyloan@gmail.com

Company ID #1738461
EQUAL HOUSING LENDER
http://www.mylouisvillekentuckymortgage.com/

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 2018

😃

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

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 July 2018

😍

betty parsons

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.

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 .

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 is an Equal Opportunity Lender. All rights Reserved.

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.

Full Disclosure Policy

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.

Pages

List of Government Foreclosure Homes For Sale by USDA and VA in Kentucky for Zero Down!

CLICK ON LINK BELOW TO GO TO THE USDA FORECLOSURE LIST OF HOMES IN KENTUCKY

USDA Updates Guidance for Direct Loan Borrowers Impacted by COVID-19

SFH Direct Loan and Grant Programs

Monday, September 27

USDA Updates Guidance for Direct Loan Borrowers Impacted by COVID-19

USDA Homes for Sale in Kentucky

Foreclosure Sales for Kentucky USDA Rural Development Homes 2017

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Kentucky USDA Rural Homes for Sale Currently