Joel Lobb, Mortgage Broker FHA, VA, KHC, USDA — Local services in Jeffersontown

My wife and I have struggled most of our lives with poor choices in marriage or in what I will call lifestyle choices but the one thing that we had to do on our own, and that was to just pay my bills on time and believe it or not that wasn't as easy as one might think. I went through a lot of different banks and/or loan officers,or bank reps. Then thru my researching came across Joel,Jeana and I still believe that God the Father lead us to Joel. You see I'm on a fixed income and was barely able to get from month to month. W ith no money down and on a very short time limit Joel was to get us into home that more than met our needs. It met our wants as well needs and our is more than 2X the size of the house we were renting, And 4X the size of the outside of the house we were renting. And for only $160.oo more a month than what we were paying in rent. A lot of people said it couldn't be done even people in tha thefield . What I know is that Joel Lobb worked extra hard and longer hours to achieve my wife and I's dreams even though we had a lifetime of adverseties I don't think of myself as being special. I do however believe that Mr.Lobb worked as hard for me as he does for any of his other clients. He was always transparent and tanaitous in his work ethics. So in my experiences with people in general I think it would be a good idea to give Joel and the mortgage company he represents a...

Joel was amazing. He worked with my husband Nathan and I (mostly Nathan) to get our first home. We had just been building our credit and needed help with some of the first home buyers programs locally. We didn't even know if it would be possible to Porsche a home at all, but be told us exactly what to do to get approved and 30 days later we were approved. We found our home within 30 days after he suggested a really good realtor after we had a terrible experience with 2 other realtors. During the entire closing process even when some of the people wouldn't respond, he was always there to find an answer for us even if we could be a little too eager because of our excitement. He always treated us with respect and as long as we followed exactly what he said to do we were able to find a home we loved. We are moving in today. Thank you Joel for making our American dream come true. Louisville is lucky...

Avoid this guy. My wife and I are potential first time home buyers. That means, we aren't well versed on the need-to-knows with buying a home. I was worried about our credit card balances, so I asked Joel if I needed to get them paid down. He said no. And that "balances are good". I assumed he knew something I didn't know. We after a quick denial because of high DTI, I knew I should have followed my own advice. I learned a lot of important need-to-know information regarding finances and paper trails in the past 24 hours that Joel didn't bother explaining up front. And this is a problem I see with many brokers that are out to make a buck.

It's a warning to all first time buyers out there that you better research! Because these brokers won't tell you! They will take your info and run with it no matter what. You will see a hard pull and get denied. THEY DON'T CARE if you get...