The reviews below were written by Kentucky buyers and homeowners who found this website, called or emailed me, and then let me help them buy or refinance. They run back more than fifteen years, and that is the part I am proudest of. They are printed the way people wrote them.

If you would rather read reviews I have no control over, they are on Google.

From my Google reviews

where do i begin. it’s been a journey. as a first time home buyer this entire process is scary, it doesn’t make sense, sometimes things don’t work out and wanting to give up becomes the new normal but Joel and Dawn, are the absolute best. I was about ready to throw the towel in and Joel talked me out of it and got me to the closing table in what feels like record time. Dawn, is as sweet as can be and provided comfort when i thought it was going to fail. They really are the best people and the best team anyone could ask for ❤️

Courtney Hopkins — first-time buyer, April 2026

I would 100% recommend Joel & Dawn! They helped make a goal for my family a reality. From start to finish they helped me every step of the way. I will forever be thankful for them. Day or night, any worry or thought I had I never had to wait for a response, they really kept me sane during the stresses of being a first time buyer. I found Joel on YouTube when I was doing research before I decided to start the process of buying, turned out he was actually right here in Kentucky and so it was meant for me to go with them! Thank you both for everything, The Wray Family! 🏠

Chasity Wray — first-time buyer, February 2025

My husband and I before we met Joel was at 3 realtors and 3 mortgage companies….with no movement. My parents referred us to Joel and the rest was history. From the very beginning we explained where we were with home buying. He took it and ran with it. He made sure we got into a home.

Such an easy process full of communication and open door when it came to any question we had since this was our first time home buying. I recommend Joel to anyone! He will get you in a home as well as making sure your home loan is fit for you!

Very dedicated and even after the closing he will still be there to communicate and follow you through this journey if any questions arise!

Tiffany White — first-time buyer, August 2024

Joel & Dawn! I can’t say enough how grateful I am for you both. You will not find another company that goes the extra mile like them. No matter how early or how late I text with questions or concerns I ALWAYS received a response shortly after. They really hold your hand and talk you through the whole process leaving no questions unanswered. Hands down the best company to do business with. They work extremely hard to turn your homeowner dreams into reality! Many many thanks again. I am forever grateful!

Katherine Trumbo — August 2023

Kentucky first-time home buyers

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

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 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.

Patty Locker — Louisville, relocating from Ohio

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.

Ronald Perkins — Louisville, KHC down payment assistance

A note from me on that one: Kentucky Housing Corporation assistance is a repayable second mortgage rather than a grant, and the amount offered changes from year to year. Ask me what is actually available the week you apply.

Zero-down USDA Rural Housing loans

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 — Northern Kentucky, July 2018

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 Joel 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 thank 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

Betty Parsons — Shelby County

VA loans for Kentucky veterans

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.

Pam Dolby — Louisville, VA purchase

Buying and refinancing around Louisville

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 and was a pleasure to meet at closing. Would recommend his services.

Angela Forsythe — Louisville, 2017

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 — September 2016

We first used 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 — St. Matthews, March 2014

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 provided great results for our family and we still communicate to this day!

Stacie Drake — August 2010

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.

Kayle Griffin — FHA Streamline refinance, 2011

Real estate agents and people in the business

Joel and Dawn provide top notch service for their clients and make great partners in helping our clients achieve their home ownership dreams!

Michelle King — June 2026

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.

Richard Volz — Residential Sales, Remax Foursquare Realty, August 2011

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 takes special care of them.

Jon Clark — August 2012

Joel is one of the best Mortgage Brokers I have ever worked with in my sixteen years in the real estate and mortgage business.

Tim Beck — May 2010

Joel has always worked very hard to keep his word and to work out reasonable solutions to difficult problems. He is truly an expert in FHA and other type loans.

Nancy Nalley — September 2010

About these reviews: they were written by actual clients and referral partners and were not paid for or given in exchange for anything of value. Apart from minor typographical corrections they appear as written. Individual results vary. Every approval depends on credit, income, assets, the property, and the program guidelines in effect at the time, and past results do not predict what any other borrower will receive. Interest rates, closing costs, timelines, and program terms referenced in older reviews reflect one file on one date, are no longer available, and are not an offer or a commitment to lend. Photographs on this page are of actual clients.

Joel Lobb — Mortgage Loan Officer — EVO Mortgage — NMLS #57916 — Company NMLS #1738461 — Equal Housing Lender. This website is not endorsed by FHA, VA, USDA, KHC, or any government agency.