Mortgage Products

Ready to buy a home?

Ready to refinance?

Want to know the process?


Our Mortgage Products

A home is probably the biggest purchase you ever make. You can trust us to make your dream a reality. Home buyers will find quick and simple financing with the plethora of options we have. We can also refinance your current mortgage! You can choose one of the buttons to get started on your home loan or check out our handy mortgage guide.


Conventional

  • Most common mortgage type

  • Monthly principal and interest payments on a conventional fixed-rate mortgage remain the same for the life of the loan

  • May offer the best fixed rates

  • Less documentation


Veterans Administration (VA)

  • Mortgage options for eligible active Military, Veteran, Reservist, or National Guard

  • 100% financing available for purchases or refinances

  • Financing for manufactured homes available


United States Department of Agriculture (USDA) - Purchases Only

  • 100% financing

  • Low interest rates and low mortgage insurance

  • Gifts from related persons and other sources of funds permitted for down payment and closing costs

  • Seller can assist with up to 6% of purchase price towards closing costs

  • Income limitations apply


Federal Housing Authority (FHA)

  • Government loan program with more flexible qualification criteria than conventional loans

  • Maximum loan-to-value 96.5%

  • Gifts from related persons and other sources of funds permitted for down payment and closing costs

  • Seller can assist with up to 6% of purchase price towards closing costs

  • Financing for manufactured homes available


Kentucky Housing

  • Low interest rates

  • Principal residence only

  • Purchase price and income limitations

  • Conventional No Mortgage Insurance Program

  • Conventional with Mortgage Insurance Program

    • Federal Housing Authority (FHA)

    • Veterans Administration (VA)

    • Rural Housing Service (RHS)

    • Home Buyer Tax Credit

    • Mortgage Revenue Board (MRB) Special Funding


Home Possible Advantage/Home Ready

  • Affordable solution for First-Time and Repeat Buyers

  • Purchase and no cash-out refinances

  • Low-to-Moderate income borrowers

  • Families in underserved areas

  • Maximum loan-to-value 97%

  • Eligible annual income up to 100% of area median income or higher in high-cost designated area and no income limit in underserved areas

  • Gifts from related persons and other sources of funds permitted for down payment and closing cost


Other Mortgage Options

  • Jumbo loans

  • Adjustable rate mortgage (ARM) loans

  • Lender Paid Mortgage Insurance (LPMI)

  • Extended rate lock options for new construction


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