Child Support & Mortgage Infographic Preview

📊 Child Support & Mortgage Infographic - VISUAL PREVIEW

IMAGE 1: INFOGRAPHIC HEADER

This is the top banner that grabs attention and explains what the infographic is about:

🏠 Child Support & Mortgage Approval

Complete Visual Guide for Kentucky Homebuyers

FHA • VA • USDA • KHC • Fannie Mae

IMAGE 2: SECTION 1 - "CHILD SUPPORT AS INCOME"

GREEN-themed section for when you RECEIVE child support. Shows how this income can INCREASE your borrowing power.

💚 Child Support AS INCOME

When you RECEIVE child support

Below this header are 5 color-coded program cards:

IMAGE 3: FIVE PROGRAM CARDS - AS INCOME

Each program card shows documentation needed and how they treat child support income. Color-coded for easy identification:

FHA

✓ Counts: Toward gross income

Docs: Court order, 12 months statements

✓ 2-year history

VA

⚠ Counts: Can be included

Docs: Court order, 24-month history

⚠ Conservative

USDA

✓ Counts: In gross income

Docs: Court order, stable history

✓ BEST FOR THIS

KHC

✓ Counts: With KHC guidelines

Docs: Court docs, verification

✓ + Down payment help

Fannie Mae

⚠ Counts: Limited, very stable

Docs: Complete court files

⚠ Most strict

IMAGE 4: DTI EXAMPLE - CHILD SUPPORT AS INCOME

Shows a real-world calculation of how receiving child support INCREASES borrowing power:

📊 Example: Using Child Support AS INCOME

Salary: $3,500

Child Support RECEIVED: + $500

Total Gross Income: $4,000

✓ This INCREASES your borrowing power!

IMAGE 5: SECTION 2 - "CHILD SUPPORT AS PAYMENT/DEBT"

RED-themed section for when you PAY child support. Shows how this obligation affects your DTI (Debt-to-Income ratio).

💔 Child Support AS PAYMENT/DEBT

When you PAY child support (affects DTI)

IMAGE 6: DTI LIMITS BY PROGRAM

Shows maximum DTI allowed for each program. FHA and KHC are most flexible (50%), Fannie Mae most strict (43%):

FHA
50%
Most Flexible

VA
41-45%
Strict Review

USDA
48%
Rural Friendly

KHC
50%
KY First-Time

Fannie Mae
43%
Most Strict

IMAGE 7: DTI EXAMPLE - CHILD SUPPORT AS PAYMENT

Shows how paying child support REDUCES your available borrowing power:

📊 Example: Child Support AS DEBT (Reduces Borrowing Power)

Gross Monthly Income: $4,000

Car Payment: $300

Credit Cards: $150

Child Support PAID: -$400

Total Monthly Debts: $850

DTI Ratio: 21.25%

⚠️ This REDUCES your borrowing power!

IMAGE 8: "IF YOU'RE BEHIND ON CHILD SUPPORT" SECTION

ORANGE/YELLOW-themed section. Shows rules and waiting periods for each program if you're behind on payments:

⚠️ IF YOU'RE BEHIND ON CHILD SUPPORT

Rules & Restrictions for Each Program

IMAGE 9: COMPARISON TABLE - IF BEHIND

Easy-to-read table showing approval rules and waiting periods for each program:

Program	Can Approve?	Requirement	Waiting Period
FHA	❌ No	Must be 100% current	30-90 days
VA	❌ No	ZERO delinquency allowed	Immediate + current
USDA	❌ No	12-month clean history	12 months
KHC	❌ No	Current + 30 days	✓ 30 days (SHORTEST!)
Fannie Mae	❌ No	24-month perfect history	24 months

IMAGE 10: "BEST PROGRAMS" AWARDS

Visual badges showing which programs are best for different situations:

💰 BEST FOR RECEIVING

🥇 USDA - Counts as income

🥈 FHA - Flexible

🥉 KHC - + Down payment help

📊 BEST FOR PAYING

🥇 FHA (50% DTI)

🥈 KHC (50% DTI)

🥉 USDA (48% DTI)

⚠️ BEST IF BEHIND

🥇 KHC - 30 days!

🥈 FHA - 30-90 days

🥉 USDA - 12 months

IMAGE 11: PROGRAM SCORECARD WITH STAR RATINGS

5-star rating system comparing all programs across different criteria:

FHA

Flexibility: ★★★★★

DTI Room: ★★★★★

Income: ★★★★☆

If Behind: ★★★★☆

VA

Flexibility: ★★★☆☆

DTI Room: ★★★☆☆

Income: ★★★☆☆

If Behind: ★★☆☆☆

USDA

Flexibility: ★★★★☆

DTI Room: ★★★★☆

Income: ★★★★★

If Behind: ★★☆☆☆

KHC

Flexibility: ★★★★★

DTI Room: ★★★★★

Income: ★★★★☆

If Behind: ★★★★★

Fannie Mae

Flexibility: ★★☆☆☆

DTI Room: ★★☆☆☆

Income: ★★☆☆☆

If Behind: ★☆☆☆☆

IMAGE 12: CALL-TO-ACTION SECTION

Bold blue section with contact information and call-to-action:

Ready to Move Forward? 🎯

With 20+ years of experience helping 1,300+ Kentucky families, I can guide you through every step.

📞 502-905-3708

Call or Text for Free Consultation

📧 kentuckyloan@gmail.com

Email Your Questions

⚡ SAME-DAY

Pre-Approval Available

IMAGE 13: COMPLIANCE FOOTER

Legal disclaimers and licensing information:

📋 IMPORTANT COMPLIANCE INFORMATION

Educational Content: For educational purposes only, not legal or financial advice.

Not Endorsed: Not affiliated with FHA, VA, USDA, KHC, or Fannie Mae.

Individual Circumstances: Each application evaluated case-by-case.

Joel Lobb | Mortgage Loan Officer
NMLS Personal ID: 57916 | Company NMLS ID: 1738461
Equal Housing Lender

💾 How to Use This Infographic:

Website: Embed on your website home page or resources section
Social Media: Screenshot individual sections to share on Facebook, Instagram, TikTok
Emails: Link to the full infographic in client emails or newsletters
YouTube: Create a video walking through each section
Client Materials: Send to prospects with child support questions
Lead Magnet: Offer as a free downloadable guide to generate leads

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

📊 Child Support & Mortgage Infographic - VISUAL PREVIEW

🏠 Child Support & Mortgage Approval

💚 Child Support AS INCOME

FHA

VA

USDA

KHC

Fannie Mae

💔 Child Support AS PAYMENT/DEBT

⚠️ IF YOU'RE BEHIND ON CHILD SUPPORT

💰 BEST FOR RECEIVING

📊 BEST FOR PAYING

⚠️ BEST IF BEHIND

FHA

VA

USDA

KHC

Fannie Mae

Ready to Move Forward? 🎯

📋 IMPORTANT COMPLIANCE INFORMATION

💾 How to Use This Infographic:

Privacy Policy

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