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Big News for Kentucky Home Buyers: USDA Now Financing Manufactured Homes

Big News for Kentucky Home Buyers: USDA Now Financing Manufactured Homes!

Date: May 20, 2025

Manufactured home in rural Kentucky setting

A modern manufactured home option now eligible for USDA financing

Learn about the new USDA Rural Housing changes that now allow financing for manufactured homes in Kentucky. Discover eligibility requirements, benefits, and how to apply for affordable rural housing.

Introduction

Great news for Kentucky families looking for affordable rural housing options! As of May 5, 2025, the USDA has officially updated its Single-Family Housing Guaranteed Loan Program (SFHGLP) to include permanent financing options for certain manufactured homes. This game-changing policy update opens doors for many Kentucky residents who previously struggled to find affordable financing for manufactured housing.

For years, potential rural homebuyers found themselves in a frustrating position: they qualified for USDA's excellent terms but couldn't use the program when they fell in love with a manufactured home. Now, that roadblock has been removed, creating new pathways to homeownership across Kentucky's rural communities.

What's Changed?

The USDA Rural Development agency has recognized the critical need for affordable housing solutions and has permanently expanded their loan guarantee program to include existing manufactured homes that meet specific criteria. This change acknowledges manufactured housing as a viable, quality housing option for rural families.

Key Eligibility Requirements for Manufactured Homes

To qualify for USDA financing under the new guidelines, manufactured homes must meet the following criteria:

Requirement	Details
Installation History	Must be an existing unit never previously installed on a different homesite
Minimum Size	Floor area not less than 400 square feet
Modifications	No alterations since factory construction (except approved porches/decks)
Foundation	Must be on a permanent foundation per HUD standards
Energy Efficiency	Must meet Federal Manufactured Home Construction and Safety Standard for geographic area
Age Restriction	Manufacture date within 20 years from loan closing date
Certification	Must have HUD Certification label and HUD Data Plate
Classification	Must be classified and taxed as real estate

Important Restrictions to Know

The USDA will NOT guarantee loans for:

Units without an eligible site
Units not constructed to Federal standards
Units without proper permanent foundation
Furniture or movable personal property
Unapproved additions or modifications
Units being relocated from another site
Units older than 20 years (with some exceptions)
Units with remaining tow hitches or running gear

Benefits for Kentucky Rural Home Buyers

<div class="benefits-container"> <div class="benefit-card"> <h3>100% Financing</h3> <p>No down payment required, making homeownership more accessible</p> </div> <div class="benefit-card"> <h3>Competitive Rates</h3> <p>Access to market-competitive interest rates</p> </div> <div class="benefit-card"> <h3>Affordable Housing</h3> <p>Manufactured homes typically cost 10-35% less than site-built homes</p> </div> <div class="benefit-card"> <h3>Modern Options</h3> <p>Today's manufactured homes offer quality construction and amenities</p> </div> </div>

What This Means for Kentucky Families

This update is particularly significant for Kentucky, where:

Rural communities make up approximately 41% of the state's population
Manufactured housing represents about 14% of the state's housing stock
Housing affordability continues to be a challenge for many families

For families struggling with rising housing costs, manufactured homes offer a quality, affordable alternative to traditional site-built homes. With the USDA now offering financing options, the dream of homeownership becomes more attainable for thousands of Kentucky residents.

How to Apply for USDA Manufactured Home Financing

Step 1: Check Property Eligibility

First, verify that your desired location qualifies as "rural" under USDA guidelines. You can check eligibility using the USDA Property Eligibility Map.

Step 2: Meet Income Requirements

USDA loans are designed for low to moderate-income households. Income limits vary by county and household size. Check Kentucky income limits here.

Step 3: Find an Eligible Manufactured Home

Remember, the home must meet all the criteria outlined above, including age requirements and permanent foundation standards.

Step 4: Work with an Approved Lender

Contact a USDA-approved lender who can guide you through the application process. Find approved lenders in Kentucky.

Financing Example

Here's how USDA financing might look for a typical manufactured home purchase in Kentucky:

Home Purchase Price: $150,000
Down Payment: $0 (0% with USDA)
Loan Amount: $150,000
Term: 30 years
Interest Rate: 6.5% (example rate, actual rates may vary)
Monthly Principal & Interest: ~$948
Guarantee Fee: 1% upfront (can be financed)
Annual Fee: 0.35% of outstanding balance

Expert Insights

"This is one of the best financing opportunities available today," notes housing finance specialist JaCee DeMartino-Simms. "The USDA's recognition of manufactured housing as a viable option opens doors for many Kentucky families who otherwise might be priced out of homeownership."

Local mortgage expert Joel Lobb adds, "For rural Kentucky communities, this change represents a significant opportunity to address housing shortages while providing affordable options for first-time homebuyers and those on fixed incomes."

Resources for Kentucky Home Buyers

For more information on USDA manufactured home loans, check these valuable resources:

Conclusion

The USDA's policy update represents a significant advancement in affordable rural housing options for Kentucky residents. By extending financing options to include manufactured homes, the program acknowledges both the quality of modern manufactured housing and the critical need for affordable homeownership opportunities.

For many Kentucky families, this change could be the difference between continuing to rent and achieving the dream of homeownership. If you're considering a manufactured home in a rural area, now is an excellent time to explore your financing options through the USDA Rural Housing Guaranteed Loan Program.

About the Author: Joel Lobb is a Kentucky mortgage specialist with over 25 years of experience helping families achieve homeownership. Contact Joel today at (502) 905-3708 or visit Kentucky USDA Rural Housing Mortgage Loans for more information.

No Credit Score USDA Borrower in Kentucky

Kentucky Rural Housing USDA Borrower with No Credit Score

Question:

My USDA client has no credit score and filed Chapter 13 in 2019. Would USDA accept this?

Answer:

USDA allows no-score Borrowers, so this file would be a manual underwrite. You will need to build a non-traditional credit and also meet all of the manual underwriting requirements.

Minimum Credit Scores for a Kentucky USDA Home Loan Approval

Technically, there is no minimum credit score required to obtain a USDA home loan. However, lenders often impose overlays over USDA guidelines to ensure the borrowers are creditworthy.

Generally, you’ll need a credit score of 640 or higher to get approved for a USDA loan, though it’s possible to go lower with an exception or a manual underwrite.

When doing a manual underwrite, you should have compensating factors (such as long-term employment, assets, decent income, positive rental history etc.) to allow for the lower credit score. Your mortgage rate will also be higher to account for increased risk.

Also note that a higher credit score may be required if your DTI exceeds the allowable ratios.

In any case, you should really try to attain much higher credit scores if you want to get any type of mortgage, and favorable terms on said loan.

As with any other mortgage, it’s advisable to check your credit several months in advance to ensure your credit is on good shape, and if not, take steps to improve it before applying.

Minimum Credit Scores for a Kentucky USDA Home Loan Approval

References:

HB-1-3555 Attachment 10-A

4000.1 II.A.5

Joel Lobb Mortgage Loan Officer

American Mortgage Solutions, Inc.
10602 Timberwood Circle
Louisville, KY 40223
Company NMLS ID #1364

Text/call: 502-905-3708
fax: 502-327-9119
email: kentuckyloan@gmail.com

http://www.mylouisvillekentuckymortgage.com/

NMLS 57916 | Company NMLS #1364/MB73346135166/MBR1574
Get Approved Now Click Here

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).

Current Underwriting Turn Times on Rural Housing USDA Loans in Kentucky

Kentucky Rural Housing USDA Turn Times

Are you interested in knowing the current status of USDA's turn times? USDA provides this information on their website.

Refer to Kentucky USDA's turn times click link below

👇👇👇

https://www.rd.usda.gov/page/sfh-guaranteed-lender

Kentucky USDA Mortgage Loans

What is a Kentucky USDA loan?

A Kentucky USDA loan is a home loan that gives significant benefits to those who want to buy a single-family primary residence in the eligible rural development areas of Kentucky. The mortgage is backed by the U.S. Department of Agriculture and given through private financial institutions and straight through the USDA government itself with the Direct USDA loans.

For purposes of this article, I will talk mainly about the Guarantee USDA Loan offered by lenders.

USDA loans require no money down, and they are mainly for families/households making less than the following:

Income Limits – The Kentucky Rural Housing USDA program is intended to assist low and moderate-income Kentucky households, therefore to be eligible for a USDA loan, your household income may not exceed the moderate-income limits established for the specific county in which you are financing a home. you may view the eligibility requirements on this page of the USDA website:

New Income limits for most counties (*) in Kentucky are $90,200 for a household family of four and household families of five or more can make up to $119,100.

The Northern Kentucky Counties (***) of Boon, Kenton, Campbell, Bracken, Gallatin, and Pendleton are $99,000 for a household of four or less and up to $129,000 for a family of five or more.

What Kind of home loans are offered by USDA?

The loan program focuses on stimulating economic growth and rural development in the United States. You can get a USDA loan as a 30-year fixed-rate mortgage. They do not offer shorter term loans than 30 year fixed rates and can only be used to buy a home or refinance an existing USDA loan.

You cannot take a cash out refinance or refinance another type of loan to a USDA loan.

Kentucky USDA loan eligibility and qualifying Guidelines

For you to qualify for USDA loans you should satisfy the income and credit requirements set by the USDA and financial institutions. To get a USDA mortgage:

You must be a U.S. citizen or have a permanent residence.

You should have a stable and sustainable income that should be consistent for two years. Does not have to be same job, but must have worked for the last two years with stable employment, meaning no job gaps, and reliable income

You should have an acceptable debt-income ratio that is determined and varies depending on the lender. Most lenders will use GUS, the Automated Underwriting Engine to determine your credit and income worthiness for a mortgage pre-approval.

Your adjusted annual income should not be more than 115% of the region median income, according to your family’s size.

The property you are purchasing should be ineligible in suburban or in rural development areas and must be your primary residence. No rental properties or second homes allowed for this loan program.

Manufactured homes that are not brand new from the dealer lot are not acceptable.

The property must meet FHA appraisal guidelines.

The USDA has not set any rules on the acceptable minimum credit score, although most lenders want a minimum score of 640 so that they can use the USDA Guaranteed Underwriting System.

You can still be eligible for USDA loans with a credit score less than 640 but the file will need manual underwriting.

On paper, USDA says they don't have a minimum credit score, but most lenders will want a 640 credit score and some going down to 620. The trick is getting it approved with the Automated Underwriting system with USDA and if the score is below 640, they make it very difficult to qualify for with a lot of added conditions.

The USDA includes all the annual income of each adult member of your households when calculating the income limit even if they are not a part of the mortgage. USDA does not just look at your yearly earnings; the limit comprises the adjusted income after putting into account the allowable deductions such as medical expenses.

There are three USDA home loan options:

Direct loans- these are loans available for low and very low-income earners, and the USDA issues them. The earnings requirement varies with locations. The interest rate is also variable and with subsidies, it can go as low as 1% sometimes with the rate and costs being subsisted by the Gov't. They take on average 3-6 months to close and are for very low income.

Home improvement loans and grants- these are financial awards or loans that allow homeowners to renovate and improve their houses. The package can come as a combination of a grant and a loan, that gives up to $27,500 as help.

Loan guarantees- these are loans available from local lenders and USDA guarantees the mortgage such that you will get a low mortgage interest rate with no money down. However, you will have to pay a mortgage insurance premium if you give little or no down payment.
The current mortgage insurance upfront is 1% and .35% monthly, which is very cheap when compared to FHA loans.

Guaranteed vs. Direct USDA loan program.

The differentiating factor between the two loan options is who funds the loan. The USDA gives the direct loan and offers payment assistance through subsidies. However, with a guaranteed loan, a USDA-approved lender offers the loan.

The aim of the two loan programs is to make homeownership affordable for low to moderate-income households in rural development areas. There are multiple differences between the two loan options and they are designed for two different financial bodies. For instance, with the USDA direct loan you must meet the following requirements:

Kentucky Mortgage USDA loan rates

The primary determining element for the interest rates is your credit profile, loan amount, when you are closing, and the lender you choose. USDA does not set the rates, they're set by the lender.

It is crucial to note that the USDA does not set the interest rates. The participating lenders have the liberty to set their own rates, hence the quotes will vary depending on various factors.

Kentucky USDA Underwriting Process:

Does it take longer to close a USDA loan?

The experience with the USDA loan process varies with each home buyer but the process basically includes:

Prequalification with a USDA verified lender through GUS automated engine.

How to apply for a Kentucky USDA loan

In order to get you pre-approved for your max loan amount, I will need the following items from you. This is a free process and I will give you a copy of your credit report for free!

MORTGAGE PRE-APPROVAL CHECKLIST

Most recent 30 days of pay stub(s)
W-2s and 1099's if applicable for most recent two years
1040 tax returns for last two years
Most recent 60 days bank statements all pages
Most recent 401(k)/retirement statement if applicable

Once I get the information above, I can usually get you pre-approved in one to two days, and get your loan closed in 30-45 days after you get an accepted offer on a home. Your first house payment usually starts 30-60 days after you close.

Your loan pre-approval is usually good for 120 days.

I don't need originals, copies are fine. You can fax or email me the above documents, or meet me face-to-face if you wish to make copies and go over your options.

Let me know your questions.

Thanks and look forward to helping you.

Joel Lobb

Mortgage Loan Officer

Individual NMLS ID #57916

American Mortgage Solutions, Inc.

10602 Timberwood Circle

Louisville, KY 40223

Company NMLS ID #1364

click here for directions to our office

Text/call: 502-905-3708

email: kentuckyloan@gmail.com

https://www.mylouisvillekentuckymortgage.com/

Mortgage Application Checklist of Documents Needed below 👇

W-2 forms (previous 2 years)
Paycheck stubs (last 30 days - most current)
Employer name and address (2 year history including any gaps)
Bank accounts statement (recent 2 months – all pages
Statements for 401(k)s, stocks and other investments (most recent)
federal tax returns (previous 2 years)
Residency history (2 year history)
Photo identification for applicant and co-applicant (valid Driver’s License

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/

NMLS Consumer Access for Joel Lobb

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Joel Lobb, American Mortgage Solutions (Statewide)

Joel has worked with KHC for 12 of his 20 years in the mortgage lending business. Joel said, “A lot of my clients would not have been able to purchase a home of their own or possibly delayed their purchase due to lack of down payment but with the $6,000 DAP loan program, this gets them into a house sooner and starts their path to homeownership while building equity instead of throwing their money away.”

When you’re ready to purchase a home in Joel's area, contact him at:
Phone: 502-905-3708
Email: Kentuckyloan@gmail.com
Website: www.mylouisvillekentuckymortgage.com

How much income do you need to qualify for on Rural Housing Kentucky USDA Mortgage Loan.

ZERO MONEY DOWN KENTUCKY MORTGAGE LOANS

Rarely do you find homes eligible for Zero Down Financing. Click the link and check your eligibility.

- USDA ELIGIBLE 100% FINANCING FOR SELECT AREAS OF KENTUCKY
- FIND OUT IF YOU QUALIFY

How much income do you need to qualify for on Kentucky USDA Mortgage Loan.

They look at two ratios on qualifying your for a mortgage loan going USDA, the front end ratio and the back-end ratio, also called the total debt to income ratio.

When looking at your qualifying repayment income, they will use your base gross income, not your net income.

The first ratio is called the piti ratio, which stands for principal, interest, taxes, mortgage insurance and home insurance, namely your new house payment.

See example below of what goes into your front-end ratio or piti ratio:

A. PITI: 29% The Ratios

• Principal
• Interest
• Real estate taxes
• Homeowners insurance
• Annual fee
• Additional assessments, HOA fees, e

The second ratio is called the total debt to income ratio, or sometimes called the back-end ratio. This consist of your new house payment along with your current monthly bills listed on the credit report. If you pay child support or have a 401k loan, this counts into your total debt to income ratio. What is not listed in your total debt to income ratio is car insurance, utility bills, cell phone bill, etc. --just strictly what's on credit report.

See example below of what goes into your total debt to income ratio:

B. Total Debt (TD): 41%

• PITI
• Regular assessments
• Long‐term obligations (10 months or more repayment)
• Revolving accounts
• 30 day accounts
• Alimony
• Garnishments
• Student loans
• Previous mortgage (divorce, sale, trade, transfer)
• Co‐signed debts
• Business debts
• Non‐Purchasing Spouse debts, as applicable
• Collections, as applicable
• Judgments
• Self‐employed loss
• Auto allowance and expense payments
• Rental loss
• Short‐term obligations (significant impact on repayment)
• Balloon
• Deferred payments

If your have certain credit scores that are higher, sometimes you can go higher than the standard 29 and 41% ratios for a loan approval. This is called a waiver. See debt ratio waiver guidelines below

Debt Ratio Waivers 101

• GUS Accept = no waiver required
• GUS Accept with full documentation = no waiver required
• GUS Refer, Refer with Caution, or manual uw = waiver
required

*GUS stands for the USDA automated underwriting engine that lenders use to pre-approve you for the loan. All USDA loans are ran though this online automated system for initial pre-approval requirement .

Debt Ratio Waivers: Purchases Manual UW

• All applicants = 680 credit score or higher
• Maximum ratios: 32% PITI / 44% TD
• 1 compensating factor with supporting documentation
– Proposed PITI less than or equal to previous 12 months of
verified housing cost with no late payments
– 3 months or more of PITI in reserve post loan closing
– All applicants employed with current employer for 2 years

Compensating factors:

• 680 credit score for all applicants
• Continuous employment with primary job
• Ability to accumulate savings
• 12 months mortgage paid as agreed

—

http://www.emailmeform.com/builder/form/0bfJs9b6bK8TGoc6mQk9hIu

Text/call: 502-905-3708

fax: 502-327-9119
email: kentuckyloan@gmail.com

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#57916 http://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

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 .

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