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Kentucky VA Mortgage Loan Guide for Home Buyers

If you’re a veteran, active-duty service member, or eligible surviving spouse looking to purchase a home in Kentucky, VA mortgage loans offer one of the best financing options available. With no down payment requirements, competitive interest rates, and no private mortgage insurance (PMI), VA loans are designed to make homeownership more accessible for those who have served our country. Below, we’ll explore everything you need to know about Kentucky VA loans, including common myths, eligibility requirements, and benefits.

What Is a Kentucky VA Loan?

A VA loan is a mortgage program backed by the U.S. Department of Veterans Affairs (VA) to help veterans and active-duty military members buy or refinance a home. The VA does not issue the loans directly but guarantees a portion of them, reducing the risk for lenders and enabling better loan terms for borrowers.

Benefits of Kentucky VA Loans

No Down Payment: Unlike conventional loans, VA loans allow 100% financing, meaning no down payment is required (in most cases).
No PMI (Private Mortgage Insurance): VA loans save you hundreds of dollars monthly by eliminating the need for PMI.
Competitive Interest Rates: VA loans often have lower interest rates compared to conventional loans.
Flexible Credit Requirements: More lenient credit score and debt-to-income (DTI) ratio requirements make VA loans accessible to borrowers with less-than-perfect credit.
Assumable Loans: VA loans can be transferred to qualified buyers, a valuable feature when interest rates rise.
Reduced Costs for Disabled Veterans: Veterans with service-related disabilities may have the VA funding fee waived.

VA Loan Home Ownership

Turn your military service into the key to homeownership in Kentucky with VA-backed mortgage loans designed specifically for veterans.

Expert VA Loan Guidance

Get accurate information and personalized support to navigate the VA loan process with confidence and clarity.

Veterans' Dream Homes

Join thousands of Kentucky veterans and active service members who've achieved their homeownership dreams through VA loans.

Common Myths About Kentucky VA Loans

Myth: VA Loans Are Hard to Qualify For

Fact: VA loans have flexible credit and income requirements. Most lenders require a 620 credit score, but some may go as low as 580.

Myth: VA Loans Require a Down Payment

Fact: No down payment required for loans at or below the local conforming limit.

Myth: VA Loans Require PMI

Fact: VA loans do not require PMI, saving you 0.2%-0.9% of your loan amount monthly.

Kentucky VA Loan Refinancing Options

VA IRRRL (Streamline Refinance)

Reduces your interest rate with minimal paperwork. No credit check or appraisal required.

VA Cash-Out Refinance

Allows you to access your home's equity, subject to an appraisal and credit check.

VA Loan Entitlement & Multiple VA Loans

Multiple VA Loans

You can have multiple VA loans as long as you have remaining entitlement.

Entitlement Coverage

VA guarantees up to 25% of loan amounts over $144,000.

Unlimited Usage

You can use your VA loan benefits unlimited times throughout your life.

Assumability and Other Uses of VA Loans

Assumable Loans

VA loans are assumable, allowing another buyer to take over your loan.

Land Purchase

Buy land and build a home with a VA construction loan.

Home Improvement

Use VA loans for energy-efficient upgrades up to $6,000.

Benefits of Kentucky VA Loans

100% Financing

No PMI

Low Closing Costs

Flexible Credit Guidelines

Assumability

Get Started with Your Kentucky VA Loan Today!

Years Experience

As a mortgage loan officer

Families Helped

In Kentucky to buy or refinance

Contact Joel Lobb - Your Kentucky VA Loan Specialist

Call/Text

502-905-3708

Email

kentuckyloan@gmail.com

Website

mylouisvillekentuckymortgage.com

Your Kentucky VA Loan Journey Starts Here

Contact Us

Reach out to discuss your VA loan options

Get Pre-Approved

Quick and easy process to determine your budget

Find Your Home

We'll guide you through the house-hunting process

Close the Deal

We'll be with you every step of the w

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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 Saveand 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

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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

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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 .

Full Disclosure Policy

This policy is valid from 11 July 2013

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

Louisville Kentucky Mortgage Lender for FHA, VA, KHC, USDA and Rural Housing Kentucky Mortgages: Kentucky FHA Annual MIP and VA Funding Fee Reducti...

Louisville Kentucky Mortgage Lender for FHA, VA, KHC, USDA and Rural Housing Kentucky Mortgages: The best Kentucky first-time homebuyer programs in...

Kentucky VA Mortgage Loan Guide for Home Buyers

Kentucky VA Mortgage Loan Guide for Home Buyers

What Is a Kentucky VA Loan?

Benefits of Kentucky VA Loans

VA Loan Home Ownership

Expert VA Loan Guidance

Veterans' Dream Homes

Common Myths About Kentucky VA Loans

Myth: VA Loans Are Hard to Qualify For

Myth: VA Loans Require a Down Payment

Myth: VA Loans Require PMI

Kentucky VA Loan Refinancing Options

VA IRRRL (Streamline Refinance)

VA Cash-Out Refinance

VA Loan Entitlement & Multiple VA Loans

Multiple VA Loans

Entitlement Coverage

Unlimited Usage

Assumability and Other Uses of VA Loans

Assumable Loans

Land Purchase

Home Improvement

Benefits of Kentucky VA Loans

100% Financing

No PMI

Low Closing Costs

Flexible Credit Guidelines

Assumability

Get Started with Your Kentucky VA Loan Today!

Years Experience

Families Helped

Contact Joel Lobb - Your Kentucky VA Loan Specialist

Call/Text

Email

Website

Your Kentucky VA Loan Journey Starts Here

Contact Us

Get Pre-Approved

Find Your Home

Close the Deal

Louisville Kentucky Mortgage Lender for FHA, VA, KHC, USDA and Rural Housing Kentucky Mortgages: 2025 Kentucky VA Mortgage Guidelines

Louisville Kentucky Mortgage Lender for FHA, VA, KHC, USDA and Rural Housing Kentucky Mortgages: Key ways to get your best rate possible on your Ke...

Louisville Kentucky Mortgage Lender for FHA, VA, KHC, USDA and Rural Housing Kentucky Mortgages: Job Requirements and Employment History for a Kent...

How to Qualify For A Kentucky Mortgage Loan

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