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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 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

Joel Lobb

Senior Loan Officer


American Mortgage Solutions, Inc.

800 Stone Creek Pkwy, Ste 7,

Louisville, KY 40223

phone: (502) 905-3708

Fax: (502) 327-9119

Company ID #1364 | MB73346

Customer Testimonials

"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."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 wokred with Joel since 1998. He is a great loan professional." August 23, 2010
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, 2010

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 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

Use him for buying a home in St. Matthews
I would recommend him. He had good rates and was in contact all the time if there were any issues. The only issue was the appraisal, but he was able to resolve this matter.Great, knowledgable guy with a large presence in Louisville Ky it seems
By rlobb_962_604 on May 17, 2013
Comment by kentuckyloan: Thanks for the compliment. Always nice to hear from past clients again. Hope all is well.
on June 16, 2015
Refinance for a lower rate
I called several companies and Joel was the best by far on rates and service. He delivered on what he said and closed our loan in 3 weeks. We did a no closing loan with a very low rate.
By joel.l_630_109 on October 12, 2012
Great Experien ce
Best experience in getting a mortgage ever! I would recommend
By welobb_197_218 on June 22, 2012
VA Loan
I used him to buy my house going VA and I was really impressed. Had some of the best rates and his office was close to my work and he was easy to talk too.I felt comfortable using his services for my mortgage and would recommend him to anyone wanting to buy a home.Nice offices and quick to keep me informed through out the process
By kentuc_943_773 on June 15, 2012
Foreclosures requirements for Kentucky FHA Mortgages 2012 Foreclosures o A borrower with a foreclosure or deed-in-lieu of foreclosure within the most recent three years is ineligible for Kentucky FHA Mortgage financing.....
Louisville Kentucky Mortgage Pressured by federal regulators to write quality loans, lenders have little choice but to follow underwriting marching orders issued in rapid succession this year by federal mortgage insurers....
KHC's First Mortgage Government Loan Products Federal Housing Administration (FHA) - Minimum 620 credit score required. - Financing to 96.50% of lesser of sales price or appraised value. - All KHC DAPs and other...
4 Things Every Borrower Needs to Get Approved for a Mortgage Loan In Kentucky-FHA VA KHC Conventional Mortgage I wish it were that easy. There are 4 basic things that a borrower needs to show a lender in order to get approved...

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