Financing Your Way Home.

From your very first starter home to your forever dream house, we have the loan programs to make it happen and expert guidance for Kentucky homebuyers.

Explore Your Loan Options

FHA Loans

Best for: First-Time Buyers & Flexible Credit

Government-backed by the Federal Housing Administration, FHA loans are designed to make homeownership accessible.

• Low Down Payment: Purchase a home with as little as 3.5% down.

• Credit Flexibility: Easier qualification standards for those with lower credit scores or past financial issues.

• Gift Funds: Down payments can often come from a family gift or grant.

VA Loans

Best for: Veterans & Active Military

If you are a veteran, active-duty service member, or eligible surviving spouse, the VA loan is often your best option.

• $0 Down Payment: Buy a home with no money down.

• No PMI: No Private Mortgage Insurance is required, saving you hundreds per month.

• Competitive Rates: Often lower than conventional loan rates.

USDA Rural Development Loans

Best for: Buyers in Rural/Suburban Kentucky

Many buyers don't realize that areas around Murray, Benton, and Mayfield often qualify as "rural" by USDA standards. This program is a hidden gem.

• 100% Financing: No down payment required.

• Reduced Mortgage Insurance: Lower monthly fees compared to FHA.

• Location Specific: We can help you check if your dream home falls into an eligible zone.

Conventional Loans

Best for: Strong Credit & Diverse Property Types

The standard for borrowers with good to excellent credit. Conventional loans offer great flexibility for primary residences, vacation homes, and investment properties.

• Flexible Terms: Choose from 10, 15, 20, or 30-year terms.

• Adjustable PMI: Once you reach 20% equity, you can remove mortgage insurance.

• Higher Limits: Ideal for higher-priced homes.

Refinancing for Homeowners

Making Your Mortgage Work for You

Life changes, and your mortgage should keep up. We offer strategic refinancing options to help homeowners improve their financial position.

• Rate & Term Refinance: Lower your monthly payment by securing a lower interest rate or shortening your loan term (e.g., from 30 years to 15) to pay off your home faster.

• Cash-Out Refinance: Use your home’s value to get cash for home improvements, debt consolidation, or college tuition—often at a much lower rate than personal loans or credit cards.

Not Sure Which Loan is Right for You

You don't need to be a mortgage expert; that's our job. Contact us today for a free consultation, and we will help you compare your options.