|
To apply, simply print the application, fill out the applicable information requested, and bring to your local Kentucky Bank. Our lending officers will be glad to help you with the next step in the lending process.
Contact a Mortgage Lender:
Kentucky Bank provides financing for personal residences, vacation homes, or income units. We offer a variety of rates and terms according to your needs. You can expect the same Premier Customer Service with our mortgage services as you receive with all of your banking needs. Contact a Kentucky Bank representative for more information regarding these loans.
| Fixed Rate Mortgage Loan (Owner Occupied) |
 |
A fixed rate mortgage is a mortgage in which the interest rate does not change and the monthly payment of principal and interest does not change. These loans are perfect for customers that want the security of a fixed rate loan.
| Fixed Rate Second Mortgage |
|
We offer fixed rate 2nd mortgages. Designed as a one time loan with a specific rate and term, and consistent monthly payments.
| Adjustable Rate Mortgage Loan |
|
The Adjustable Rate Mortgage is a mortgage loan that has a fixed rate for a certain number of years and then adjusts to the current market rate after the initial period. This loan may be a good fit for someone who is not planning to stay in a home for more than 5 - 7 years.
| Manufactured Home Loan |
|
A Manufactured Home Loan is a mortgage designed for buying or refinancing a manufactured home with land.
| Home Construction Loan |
|
Construction loans are designed to help with the difficult process of managing and building a new home. The term is short term and the rates are fixed. Construction loans are available for contractor built homes.
| Bridge Loan |
|
A Bridge Loan is designed to help purchase a home using the equity from an existing residence. This may allow you to purchase an additional home before the sale of your current home is completed.
| Welcome Home Customer Assistance Program |
|
We are committed to serving our community housing needs. The Welcome Home Program is a resource for assistance with reasonable down payment, closing costs and credit counseling incurred with the purchase of primary residences for borrowers who may need this type of assistance.
| REACH Mortgage Loan |
|
The Reach Mortgage Loan is designed for the needs of low-to-moderate income families that would like to become first-time homeowners. Reach, Inc. is a private, non-profit organization that makes housing more affordable to low-to-moderate income families that are purchasing their first home.
| American Dream Funds |
|
Kentucky Bank offers home ownership assistance for minorities, persons with special needs and households displaced by disasters. A "person with special needs" is defined as a person who will be an owner of record of the house and who is physically disabled, mentally disabled, developmentally disabled or co-occurring disabled. Program funds must result in the creation of home ownership.
| Rural Housing Service Guaranteed Loan Program |
|
Kentucky Bank utilizes the RHS Guaranteed Loan Program to make housing more affordable for customers in rural areas. Possible 100% financing through this program if you qualify.
| Federal Housing Association Fixed Rate Loan |
|
Kentucky Bank, offers Federal Housing Association fixed rate loans to customers who qualify for the loan. FHA loans are perfect for customers who have limited or no credit experience and plan to purchase a home.
| Veterans Assistance Fixed Rate Loan |
|
The Veterans Assistance (VA) fixed rate loan was developed as a resource for Armed Forces veterans. These loans are for customers that are veterans allowing them to find affordable housing at a good interest rate.
|