Joel Lobb

I'm Joel Lobb, a licensed mortgage loan officer based in Louisville, Kentucky. I work with home buyers across all 120 Kentucky counties, with a special focus on first-time buyers who want a clear, honest read on what they qualify for before they start shopping. Every application gets reviewed by me personally — one local, licensed loan officer from your first question to your closing table. Application reviews are free, and you'll typically get same-day answers. Loan programs I work with Kentucky FHA loans — 3.5% down, flexible credit Kentucky VA loans — $0 down for veterans and active military Kentucky USDA / Rural Housing loans — $0 down in eligible areas KHC down payment assistance — up to $12,500 through Kentucky Housing Corporation Conventional loans — including low-down-payment options What clients say You can read real closing stories on my testimonials page, see my reviews on Google, or visit my YouTube channel where I answer common Kentucky mortgage questions. Get in touch Call or text me at 502-905-3708, email kentuckyloan@gmail.com, or start online: Start my pre-approval → Call or text 502-905-3708 Joel Lobb · Mortgage Loan Officer · EVO Mortgage · 10602 Timberwood Cir, Ste 3, Louisville, KY 40223 · NMLS #57916 · Company NMLS #1738461 · Equal Housing Lender · Kentucky Mortgage Loans Only. Not endorsed by FHA, VA, USDA, KHC, or any government agency. This is not a commitment to lend. All loans subject to credit approval, income verification, and property appraisal. Rates and terms subject to change without notice.