Kentucky HUD Approved Housing Counseling Agencies

Agencies located in KENTUCKY

Agency Name	Phone, Toll-Free, Fax Number, Email, Website	Address	Counseling Services	Languages	Parent Organization
KENTUCKY COMMUNITIES ECONOMIC OPPORTUNITY COUNCIL, INC. (KCEOC)	Phone: 606-546-3152 Fax: 606-546-5057 E-mail: dcornelius@kceoc.com	5448 N. U.S. 25E, Ste.A PO Box 490 Barbourville, Kentucky40906	– Pre-purchase Counseling – Pre-purchase Homebuyer Education Workshops	– English	KENTUCKY HOUSING CORPORATION
BOWLING GREEN HUMAN RIGHTS COMMISSION	Phone: 270-782-7900 Fax: 270-782-6997 E-mail: bghrc1@aol.com Website: www.bgky.org/humanrights.htm	491 Double Springs Road Bowling Green, Kentucky42101	– Fair Housing Pre-Purchase Education Workshops – Financial Management/Budget Counseling – Mortgage Delinquency and Default Resolution Counseling – Predatory LendingEducation Workshops – Services for Homeless Counseling	– English – Spanish
CCCS OF THE MIDWEST	Phone: 800-355-2227 Toll-free: 800-355-2227 Fax: 614-552-4800 E-mail: info@cccservices.com Website: www.cccservices.com	1725 Ashley Circle, Ste 107 Bowling Green, Kentucky 42104	– Financial Management/Budget Counseling – Mortgage Delinquency and Default Resolution Counseling – Non-Delinquency Post Purchase Workshops	– English	CCCS OF THE MIDWEST
HOUSING ASSISTANCE AND DEVELOPMENT SERVICES, INC.	Phone: 270-796-4176 Fax: 270-796-8203 E-mail: hands@handsinc.net Website: www.handsinc.net	1133 Adams Street P.O. Box 9637 Bowling Green, Kentucky 42101	– Fair Housing Pre-Purchase Education Workshops – Financial Management/Budget Counseling – Mortgage Delinquency and Default Resolution Counseling – Non-Delinquency Post Purchase Workshops – Pre-purchase Counseling – Pre-purchase Homebuyer Education Workshops – Rental Housing Counseling – Services for Homeless Counseling	– English
KENTUCKY LEGAL AID	Phone: 270-782-1924 Toll-free: 800-782-1924 E-mail: pjohnson@klaid.org Website: www.klaid.org	1700 Destiny Lane Bowling Green, Kentucky 42104	– Mortgage Delinquency and Default Resolution Counseling – Pre-purchase Counseling – Rental Housing Counseling – Services for Homeless Counseling	– English – Spanish	WEST TENNESSEE LEGAL SERVICES, INCORPORATED
LIVE THE DREAM DEVELOPMENT, INC	Phone: 270-843-6071-7124 Fax: 270-781-7091 E-mail: eholley@habg.org	247 Double Springs Road Bowling Green, Kentucky 42101	– Financial Management/Budget Counseling – Mortgage Delinquency and Default Resolution Counseling – Non-Delinquency Post Purchase Workshops – Pre-purchase Counseling – Pre-purchase Homebuyer Education Workshops – Predatory Lending Education Workshops	– English
CAMPBELLSVILLE HOUSING AND REDEVELOPMENT AUTHORITY	Phone: 270-465-3576-236 Fax: 270-465-2444 E-mail: jhall@campbellsvillehousing.com Website: www.cvillehousingonline.com	400 Ingram Ave PO Box 597 Campbellsville, Kentucky 42718-1627	– Financial Management/Budget Counseling – Pre-purchase Counseling – Pre-purchase Homebuyer Education Workshops – Rental Housing Counseling	– English
CATHOLIC CHARITIES, DIOCESE OF COVINGTON	Phone: 859-581-8974-122 Fax: 859-581-9595 E-mail: panderso@covingtoncharities.org Website: www.covingtoncharities.org	3629 Church Street Covington, Kentucky 41015	– Fair Housing Pre-Purchase Education Workshops – Financial Management/Budget Counseling – Mortgage Delinquency and Default Resolution Counseling – Non-Delinquency Post Purchase Workshops – Pre-purchase Counseling – Pre-purchase Homebuyer Education Workshops – Predatory Lending Education Workshops – Rental Housing Counseling – Services for Homeless Counseling	– English – Spanish	CATHOLIC CHARITIES USA
CCCS OF THE MIDWEST	Phone: 800-355-2227 Toll-free: 800-355-2227 Fax: 614-552-4800 E-mail: info@cccservices.com Website: www.cccservices.com/home.asp	950 North Mulberry Suite 220F Elizabethtown, Kentucky 42701	– Financial Management/Budget Counseling – Mortgage Delinquency and Default Resolution Counseling – Non-Delinquency Post Purchase Workshops	– English	CCCS OF THE MIDWEST
CCCS OF THE MIDWEST	Phone: 800-355-2227 Toll-free: 800-355-2227 Fax: 614-552-4800 E-mail: info@cccservices.com Website: www.cccservices.com/home.asp	11 Shelby Street Florence, Kentucky 41042	– Financial Management/Budget Counseling – Mortgage Delinquency and Default Resolution Counseling – Non-Delinquency Post Purchase Workshops	– English	CCCS OF THE MIDWEST
CCCS OF THE MIDWEST	Phone: 800-355-2227 Toll-free: 800-355-2227 Fax: 614-552-4800 E-mail: info@cccservices.com Website: www.cccservices.com	649 Charity Court #15 Frankfort, Kentucky 40601	– Financial Management/Budget Counseling – Mortgage Delinquency and Default Resolution Counseling – Non-Delinquency Post Purchase Workshops	– English	CCCS OF THE MIDWEST
KENTUCKY DOMESTIC VIOLENCE ASSOCIATION	Phone: 502-209-5382-502 Toll-free: 502-209-5382 Fax: 502-226-5382 E-mail: modoherty@kdva.org Website: kdva.org	111 Darby Shire Circle Frankfort, Kentucky 40601	– Pre-purchase Homebuyer Education Workshops	– English	KENTUCKY HOUSING CORPORATION
KENTUCKY HOUSING CORPORATION	Phone: 502-564-7630-324 Toll-free: 800-633-8896 Fax: 502-564-5657 E-mail: aibarra@kyhousing.org Website: www.kyhousing.org	1231 Louisville Road Frankfort, Kentucky 40601	– Fair Housing Pre-Purchase Education Workshops – Pre-purchase Counseling – Pre-purchase Homebuyer Education Workshops – Predatory Lending Education Workshops	– English – Spanish
LESLIE, KNOTT, LETCHER, PERRY COMMUNITY ACTION CENTER	Phone: 606-436-3161-180 Toll-free: 800-401-4287 Fax: 606-439-1157 E-mail: a.thompson@lklp.net Website: www.lklp.org	98 Roy Campbell Hazard, Kentucky 41701	– Pre-purchase Counseling – Pre-purchase Homebuyer Education Workshops	– English	KENTUCKY HOUSING CORPORATION
BARRET CENTER, INC	Phone: 270-827-1486-114 Fax: 270-826-8673 E-mail: susangay@hahenderson.net	111 S Adams Street Henderson, Kentucky 42420	– Pre-purchase Homebuyer Education Workshops	– English	KENTUCKY HOUSING CORPORATION
KENTUCKY LEGAL AID, INCORPORATED	Phone: 270-782-5740 Toll-free: 866-452-9243 Fax: 270-782-5740 E-mail: scrocker@klaid.org Website: www.klaid.org	110 Navajo Trail Hopkinsville, Kentucky 42240	– Mortgage Delinquency and Default Resolution Counseling – Pre-purchase Counseling – Rental Housing Counseling	– English	KENTUCKY LEGAL AID
CCCS OF THE MIDWEST	Phone: 800-355-2227 Toll-free: 800-355-2227 Fax: 614-552-4800 E-mail: info@cccservices.com Website: www.cccservices.com/home.asp	2265 Harrodsburg Road Stuite. 303 Lexington, Kentucky 40504	– Financial Management/Budget Counseling – Mortgage Delinquency and Default Resolution Counseling – Non-Delinquency Post Purchase Workshops	– English	CCCS OF THE MIDWEST
COMMUNITY VENTURES CORPORATION	Phone: 859-231-0054 E-mail: dmajor@cvcky.org Website: www.asite.com	1450 North Broadway Lexington, Kentucky 40505	– Fair Housing Pre-Purchase Education Workshops – Financial Management/Budget Counseling – Home Improvement and Rehabilitation Counseling – Mortgage Delinquency and Default Resolution Counseling – Non-Delinquency Post Purchase Workshops – Pre-purchase Counseling – Pre-purchase Homebuyer Education Workshops – Predatory Lending Education Workshops – Rental Housing Counseling	– Arabic – Cambodian	NEIGHBORHOOD REINVESTMENT CORPORATION
REACH, INC.	Phone: 859-455-8057 Toll-free: 800-985-9271 Fax: 859-455-7436 E-mail: dturnbull@reachky.com Website: www.reachky.com	733 Red Mile Road Lexington, Kentucky 40504	– Financial Management/Budget Counseling – Mortgage Delinquency and Default Resolution Counseling – Non-Delinquency Post Purchase Workshops – Pre-purchase Counseling – Pre-purchase Homebuyer Education Workshops	– English – Spanish
ROAD TO HOMEOWNERSHIP, INC.	Phone: 502-647-3027 Fax: 502-647-3099 E-mail: ybradford@theroadleadinghome.org	1035 Strader Drive Lexington, Kentucky 40505	– Fair Housing Pre-Purchase Education Workshops – Financial Management/Budget Counseling – Mortgage Delinquency and Default Resolution Counseling – Non-Delinquency Post Purchase Workshops – Pre-purchase Counseling – Pre-purchase Homebuyer Education Workshops – Predatory Lending Education Workshops – Rental Housing Counseling – Services for Homeless Counseling	– English
CCCS OF THE MIDWEST	Phone: 800-355-2227 Toll-free: 800-355-2227 Fax: 614-552-4800 E-mail: info@cccservices.com Website: www.cccservices.com	2100 Gardiner Lane Ste 103A Louisville, Kentucky 40205	– Financial Management/Budget Counseling – Mortgage Delinquency and Default Resolution Counseling – Non-Delinquency Post Purchase Workshops	– English	CCCS OF THE MIDWEST
CCCS OF THE MIDWEST	Phone: 800-355-2227 Toll-free: 800-355-2227 Fax: 614-552-4800 E-mail: info@cccservices.com Website: www.cccservices.com	11492 Bluegrass Parkway Suite 110 Louisville, Kentucky 40299	– Financial Management/Budget Counseling – Mortgage Delinquency and Default Resolution Counseling – Non-Delinquency Post Purchase Workshops	– English	CCCS OF THE MIDWEST
HOUSING FOUNDATION	Phone: 270-965-2233 Toll-free: 866-965-2239 Fax: 775-213-7867 E-mail: myhomeky@bellsouth.net Website: www.myhomeky.org	330 North Hubbards Lane Office #4 Louisville, Kentucky 40207	– Fair Housing Pre-Purchase Education Workshops – Financial Management/Budget Counseling – Mortgage Delinquency and Default Resolution Counseling – Non-Delinquency Post Purchase Workshops – Pre-purchase Counseling – Pre-purchase Homebuyer Education Workshops – Predatory Lending Education Workshops	– English	KENTUCKY HOUSING CORPORATION
LEGAL AID SOCIETY, INC.	Phone: 502-584-1254 Fax: 502-584-8014 E-mail: spope@laslou.org	416 West Muhammad Ali Blvd., Suite 300 Louisville, Kentucky 40202	– Mortgage Delinquency and Default Resolution Counseling – Non-Delinquency Post Purchase Workshops – Pre-purchase Counseling – Predatory Lending Education Workshops – Rental Housing Counseling – Services for Homeless Counseling	– English – French – Hindi – Other – Spanish	WEST TENNESSEE LEGAL SERVICES, INCORPORATED
LOUISVILLE CENTRAL COMMUNITY CENTER	Phone: 502-583-8821 Fax: 502-583-8824 E-mail: rclay@lcccnews.org	1300 W. Muhammad Ali Blvd Louisville, Kentucky 40203	– Pre-purchase Homebuyer Education Workshops	– English	KENTUCKY HOUSING CORPORATION
LOUISVILLE URBAN LEAGUE	Phone: 502-566-3362 Fax: 502-568-4663 E-mail: cmccravy@lul.org Website: www.lul.org	1535 West Broadway Louisville, Kentucky 40203	– Fair Housing Pre-Purchase Education Workshops – Mortgage Delinquency and Default Resolution Counseling – Non-Delinquency Post Purchase Workshops – Pre-purchase Counseling – Pre-purchase Homebuyer Education Workshops – Predatory Lending Education Workshops – Rental Housing Counseling – Services for Homeless Counseling	– English	NATIONAL URBAN LEAGUE
NID-HCA SICKLES	Phone: 502-810-9200 Fax: 502-966-6040 E-mail: nidhca.sickles@gmail.com Website: www.nidonline.org & www.makingyourhomeaffordable.org	3215 Fern Valley Road, Suite #106 Louisville, Kentucky 40213	– Fair Housing Pre-Purchase Education Workshops – Financial Management/Budget Counseling – Home Improvement and Rehabilitation Counseling – Mortgage Delinquency and Default Resolution Counseling – Non-Delinquency Post Purchase Workshops – Pre-purchase Counseling – Pre-purchase Homebuyer Education Workshops – Predatory Lending Education Workshops – Rental Housing Counseling – Services for Homeless Counseling	– English – Spanish	NATIONAL ASSOCIATION OF REAL ESTATE BROKERS-INVESTMENT DIVISION, INC
THE HOUSING PARTNERSHIP, INC	Phone: 502-585-5451 E-mail: lwood@wearehpi.org Website: www.asite.com	321 Guthrie Green Louisville, Kentucky 40202	– Financial Management/Budget Counseling – Mortgage Delinquency and Default Resolution Counseling – Non-Delinquency Post Purchase Workshops – Pre-purchase Counseling – Pre-purchase Homebuyer Education Workshops – Predatory Lending Education Workshops – Rental Housing Counseling	– Arabic – Cambodian	HOUSING PARTNERSHIP NETWORK
KENTUCKY LEGAL AID, INCORPORATED	Phone: 270-782-5740 Toll-free: 800-782-1924 Fax: 270-825-0689 E-mail: scrocker@klaid.org Website: www.klaid.org	100 South Railroad Street, # 120 Madisonville, Kentucky 42431	– Mortgage Delinquency and Default Resolution Counseling – Pre-purchase Counseling – Rental Housing Counseling	– English	KENTUCKY LEGAL AID
DANIEL BOONE DEVELOPMENT COUNCIL	Phone: 606-598-5127 Fax: 606-599-9712 E-mail:marthanna.dobson@danielboonecaa.org Website: none	1535 Shamrock Road Manchester, Kentucky 40962	– Pre-purchase Counseling	– English	KENTUCKY HOUSING CORPORATION
PURCHASE AREA HOUSING CORPORATION	Phone: 270-247-7171 Fax: 270-251-6110 E-mail: David.Hargrove@purchaseadd.org Website: www.purchaseadd.org	1002 Medical Dr Mayfield, Kentucky 42066-0588	– Mortgage Delinquency and Default Resolution Counseling – Non-Delinquency Post Purchase Workshops – Pre-purchase Counseling – Pre-purchase Homebuyer Education Workshops – Rental Housing Counseling – Services for Homeless Counseling	– English
LEGAL AID OF THE BLUEGRASS	Phone: 859-431-8200 E-mail: bcombs@lablaw.org Website: www.lablaw.org	104 East 7th Street 104 East 7th Street 104 East 7th Street 104 East 7th Street Morehead, Kentucky 45211	– Mortgage Delinquency and Default Resolution Counseling – Non-Delinquency Post Purchase Workshops – Pre-purchase Counseling – Pre-purchase Homebuyer Education Workshops – Predatory Lending Education Workshops – Rental Housing Counseling – Services for Homeless Counseling	– English – Spanish	WEST TENNESSEE LEGAL SERVICES, INCORPORATED
BRIGHTON CENTER, INCORPORATED	Phone: 859-491-8303-2324 Fax: 859-491-8702 E-mail: sstiene@brightoncenter.com	741 Central Ave Newport Ky 41071 Newport, Kentucky 41071	– Mortgage Delinquency and Default Resolution Counseling – Non-Delinquency Post Purchase Workshops – Pre-purchase Counseling – Pre-purchase Homebuyer Education Workshops – Rental Housing Counseling	– English
KENTUCKY LEGAL AID, INCORPORATED	Phone: 270-782-5740 Toll-free: 866-452-9243 Fax: 270-683-3513 E-mail: jmorre@klaid.org Website: www.klaid.org	117 West 2nd Street Owensboro, Kentucky 42301	– Mortgage Delinquency and Default Resolution Counseling – Pre-purchase Counseling – Rental Housing Counseling	– English – Spanish	KENTUCKY LEGAL AID
CLEARPOINT FINANCIAL SOLUTIONS, INC.	Phone: 877-877-1995 Toll-free: 877-877-1995 E-mail: customerservice2@clearpointfs.org Website:www.clearpointcreditcounselingsolutions.org	118 Bleich Rd. Paducah, Kentucky 42003	– Financial Management/Budget Counseling – Mortgage Delinquency and Default Resolution Counseling – Pre-purchase Counseling	– English	CLEARPOINT FINANCIAL SOLUTIONS, INC.
KENTUCKY LEGAL AID, INCORPORATED	Phone: 270-782-5740 Toll-free: 866-452-9243 Fax: 270-782-5740 E-mail: jmorre@klaid.org Website: www.klaid.org	1122 Jefferson Street Paducah, Kentucky 42001	– Mortgage Delinquency and Default Resolution Counseling – Pre-purchase Counseling – Rental Housing Counseling	– English	KENTUCKY LEGAL AID
CCCS OF THE MIDWEST	Phone: 800-355-2227 Toll-free: 800-355-2227 Fax: 614-552-4800 E-mail: info@cccservices.com Website: www.cccservices.com/home.asp	317 Main Street Pikeville, Kentucky 41501	– Financial Management/Budget Counseling – Mortgage Delinquency and Default Resolution Counseling – Non-Delinquency Post Purchase Workshops	– English	CCCS OF THE MIDWEST
BELL-WHITLEY COMMUNITY ACTION AGENCY, INC.	Phone: 606-337-3044 Fax: 606-337-1439 E-mail: normancornelius@bell-whitley.org Website: bell-whitley.org	129 Pine St. PO Box 159 Pineville, Kentucky 40977	– Pre-purchase Counseling – Pre-purchase Homebuyer Education Workshops	– English	KENTUCKY HOUSING CORPORATION
APPALACHIAN RESEARCH AND DEFENSE FUND OF KENTUCKY	Phone: 606-886-3876-29 Toll-free: 800-556-3876 Fax: 606-886-3704 E-mail: dianef@setel.com Website: www.ardfky.org	120 North Front Avenue Prestonsburg, Kentucky 41653-1221	– Mortgage Delinquency and Default Resolution Counseling – Non-Delinquency Post Purchase Workshops – Pre-purchase Counseling – Pre-purchase Homebuyer Education Workshops – Predatory Lending Education Workshops – Rental Housing Counseling – Services for Homeless Counseling	– English – Spanish	WEST TENNESSEE LEGAL SERVICES, INCORPORATED
CCCS OF THE MIDWEST	Phone: 800-355-2227 Toll-free: 800-355-2227 Fax: 614-552-4800 E-mail: info@cccservices.com Website: www.cccservices.com	200 E Main St 2nd Floor Richmond, Kentucky 40475	– Financial Management/Budget Counseling – Mortgage Delinquency and Default Resolution Counseling – Non-Delinquency Post Purchase Workshops	– English	CCCS OF THE MIDWEST
HAZEL JOYCE WILEY CAREER AND FINANCIAL LITERACY INSTITUTE, INC	Phone: 502-647-3072 Fax: 502-647-3099 E-mail: hjwfinancial@bellsouth.net Website: www.hjwfinancial.org	330 Main Street Shelbyville, Kentucky 40065	– Fair Housing Pre-Purchase Education Workshops – Financial Management/Budget Counseling – Home Improvement and Rehabilitation Counseling – Mortgage Delinquency and Default Resolution Counseling – Non-Delinquency Post Purchase Workshops – Pre-purchase Counseling – Pre-purchase Homebuyer Education Workshops – Predatory Lending Education Workshops – Rental Housing Counseling – Services for Homeless Counseling	– English – Spanish
POTENTIALS INC	Phone: 606-416-5711 E-mail:potentials.scarlette@newwavecomm.net	105 Burdine Street Somerset, Kentucky 42501	– Fair Housing Pre-Purchase Education Workshops – Financial Management/Budget Counseling – Home Improvement and Rehabilitation Counseling – Mortgage Delinquency and Default Resolution Counseling – Non-Delinquency Post Purchase Workshops – Pre-purchase Counseling – Pre-purchase Homebuyer Education Workshops – Predatory Lending Education Workshops – Rental Housing Counseling – Services for Homeless Counseling	– English	KENTUCKY HOUSING CORPORATION
PEOPLE’S SELF-HELP HOUSING, INC.	Phone: 606-796-6333 Fax: 606-796-2606 E-mail: brendapshh@alltel.net	307 KY 59 Vanceburg, Kentucky 41179	– Pre-purchase Homebuyer Education Workshops	– English	KENTUCKY HOUSING CORPORATION
GATEWAY COMMUNITY SERVICE ORGANIZATION, INC	Phone: 606-743-3133 Fax: 606-743-1130 E-mail: debbie.vannorman@gcscap.org	124 College Street PO Box 367 West Liberty, Kentucky 41472	– Fair Housing Pre-Purchase Education Workshops – Financial Management/Budget Counseling – Home Improvement and Rehabilitation Counseling – Mortgage Delinquency and Default Resolution Counseling – Non-Delinquency Post Purchase Workshops – Pre-purchase Counseling – Pre-purchase Homebuyer Education Workshops – Predatory Lending Education Workshops	– English	KENTUCKY HOUSING CORPORATION

Kentucky HUD Approved Housing Counseling Agencies (louisvillekymortgage.net)
Kentucky Fannie Mae and Freddie Mac First Time Home Buyer Education Requirements (louisvillekentuckymortgagerates.com)
Louisville Ky Mortgage Lender FHA/VA KHC USDA Kentucky Mortgage: KENTUCKY USDA RURAL DEVELOPMENT LOANS ZERO DOWN (via Louisville Ky Mortgage Rates) (kentuckyvaloan.wordpress.com)
Buying a Home in the Louisville Kentucky Area (Home Ownership Programs) Louisville Ky (kentuckyfirsttimehomebuyer.com)

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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 2017

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 June 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!

July 2018

About Me
My photo
joel lobb

I have helped over 589 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 the best deal locally. Where most banks will offer offer you their one set of loan products. I have access to over 10 different mortgage companies to broker your loan through to get you the best 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 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 with little money down, 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

American Mortgage Solutions, Inc.
10602 Timberwood Circle Suite 3
Louisville, KY 40223

phone: (502) 905-3708
Fax: (502) 327-9119
kentuckyloan@gmail.com

Company ID #1364 | MB73346E
EQUAL HOUSING LENDER
http://www.mylouisvillekentuckymortgage.com/

View my complete profile

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.

Joel Lobb is a Licensed Mortgage Originator: NMLS #57916.
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.

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.

—

“Site” refers to this Internet web site ) and its related services. “You” or “User” refers to a registered user of this Site. “American Mortgage Solutions.” or “We” refers to American Mortgage Solutions..

This Site contains links to other sites.
American Mortgage Solutions. is not responsible for the privacy practices of the content of any other Web sites to which We link or to which We are linked. We encourage You to read the posted privacy statement whenever interacting with any web site.

The Work Space.
This area of the Site is for the benefit of Users. The private and shared Work Space areas of the Site help to facilitate communication and the exchange and sharing of information. The information contained in private work spaces shared between Users and American Mortgage Solutions. is not used for any purposes other than to facilitate communication and the exchange of information between the parties involved.

Information We Gather.

Registration.
If You register to use or provide services using American Mortgage Solutions., we may collect and store information that specifically identifies You or your account (“Personally Identifiable Information”). The required information may include your User ID, password, first name, last name, business name, address, city, state, zip/postal code, phone, fax, email and web site address. We may, in the future, include other optional requests for information from You, to help us to tailor the Site for You and deliver personalized information to You.

Online Surveys and Contests.
American Mortgage Solutions. may conduct online user surveys to collect information about our Users preferences. These surveys are optional and if You choose to respond, your responses will be kept anonymous. Similarly, we offer contests to qualifying Users in which we ask for contact and demographic information such as name, email address and mailing address.

Automatically Gathered Information.
American Mortgage Solutions. automatically collects your browser type and browser software version to tailor the presentation of the services to your platform and to maintain a record of your activity on the Site. American Mortgage Solutions. may also use cookies to enable users to specify unique preferences and to track user trends and patterns. Users always have the option of disabling cookies via their browser preferences. If You disable cookies on your browser, please note that some parts of our Site may not function as effectively or may be considerably slower. As an automatic process, our web server software records a log file of IP addresses that access the Site. We also collect IP address information but do not ordinarily link IP addresses to Users Personally Identifiable Information. However, We can and will use IP addresses to identify a User when We, in our sole discretion, determine that it is necessary to enforce compliance with our Terms and Conditions of Use or to protect our service, Site, customers or others.

Your Public Profile.
As part of registration, You may be required to provide contact information such as name, address, city, state, zip, phone, fax and email address, some of which can be displayed to other users of our service in an effort to simplify communication between members.

How We Use Information.

Registration Information.
We use Personally Identifiable Information for our own internal purposes including contacting You via email to inform You about updates to our services and providing You with other information that we deem necessary. We reserve the right to disclose your information as required by law. We do not rent or sell our Users Personally Identifiable Information to third parties.

Advertising.
At this time we do not display banner advertising on our site, but we may send You email communications including information that we think may be of interest to You. You may opt out of receiving these promotional email communications, either when You register to become a Member, or at any time thereafter by contacting us.

Demographic Information, Surveys and Contests.
The demographic information that American Mortgage Solutions. collects in the registration process and through online surveys may be used to help us improve our services to meet the needs and preferences of our Users. This may include targeting advertising to You about our services. Information we gather through a contest may also be disclosed to third parties as necessary for prize fulfillment and other aspects of any contest or similar offering.

Comments Submitted by Users.
American Mortgage Solutions. constantly seeks to improve the quality of the services We provide and the User experience on the Site. We value your input and encourage You to help us expand and make improvements to the Site by providing Us with any thoughts or comments You might have regarding our services or the operation of the Site. You can submit any comments by contacting us. If You provide this information, we will only use it to acknowledge or respond to your comments. In certain circumstances, we may ask for your permission to post your comments in marketing or promotional materials.

Security.
We will use commercially reasonable methods to keep Personally Identifiable Information securely in our files and systems. Please note that with current technology, we cannot guarantee the security of your data as it travels over the Internet.

How We Respond To Browser Do Not Track Requests
American Mortgage Solutions. and other parties not affiliated with us may collect Personally Identifiable Information about your online activities over time and across different websites when you use our website or the services offered on our website. Industry standards regarding how to handle “Do Not Track” requests from web browsers are still evolving and there is currently no set of industry standards for handling such requests. As such we may not separately respond to or take any action with respect to a “do not track” configuration set in your internet browser. At this time, we do not have any protocol in place that allows you to opt-out of internet tracking. If you have any questions regarding our internet tracking methods please contact us.

Terminating Your Membership.
We save your Personally Identifiable Information until your membership with us is terminated. To terminate your membership, contact us. If You terminate your membership, your Personally Identifiable Information cannot be recovered. You may continue to receive email communications for a short period of time until we have updated all of our databases. After termination of your membership, your Personally Identifiable Information may remain on our archived database and records for a reasonable time as residual information. We will not use this residual information. Notwithstanding the above, we will maintain information on Users who have been removed for violating our Membership Agreement.

Correcting/Updating Your Information.
To correct and/or update your information, please contact us.

Contacting Us.
If You have any questions about this Privacy Agreement or the practices of this Site, you may contact us at:

American Mortgage Solutions.
Customer Service
10602 Timberwood Circle, Suite 3
Louisville, Kentucky 40223
502-905-3708

Accessibility Statement

Users with Visual Disabilities

Images on this website are accompanied by alternative text describing graphics.

Documents on website may occasionally be presented in formats other than HTML. These formats are generally accessible to users using screen reading software. The screen reading capabilities of Adobe Acrobat Reader (full version) will allow vision impaired visitors to access PDF content.

If you have any difficulty viewing any page with adaptive technology, please let us know.

Additional Accommodations

The Commonwealth of Kentucky provides, upon request, reasonable accommodations including auxiliary aids and services necessary to afford an individual with a disability an equal opportunity to participate in all services, programs and activities. To request materials in an alternative format, each agency web site provides information for contacting the person or persons responsible for providing the service within the agency. Persons with hearing and speech impairments can contact each agency by using the Kentucky Relay Service, a toll-free telecommunication device for the deaf (TDD). For voice to TDD, call 800-648-6057. For TDD to voice, call 800-648-6056

We follow standards established by the Web Content Accessibility Guidelines (WCAG) 2.0. We are actively seeking to improve our performance to meet Level AA guidelines of the WCAG.

If you experience difficulty using our site, please let us know the nature of the problem, the web address of the page(s) involving the issue, and full contact information in the event we need more details. You can call 502-905-3708 or email kentuckyloan@gmail.com to report any difficulties, and we will work with you to provide the information requested.