Today's Fixed Rate4.1%4.4% APR Fixed Mortgage
Choose loan type
- Providing Affordable Mortgages and Award-Winning Client Service for Over 30 yrs.
- Highest in Customer Satisfaction in the US - J.D. Power
- A+ Rated by BBB - Accredited Since 2019
- 25 Years Serving Customers With Over 126,000 Homeowners Served
- Competitive Rates and Fees Customized To Your Needs
- Awarded Scotsman Guide Top Mortgage Lenders 6 Years (2012,2013,2017,2018,2020,2021)
- Focus on Technology Bridges The Gap Between Online and In-Touch
- FHA, VA, Conventional, USDA Loans
- Competitive Mortgage Rates & Low Costs
- Licensed Mortgage Bankers in 50 states
- Home Equity & Debt Consolidation Options
- Zero Closing Cost Options!
- Refinance & Home Equity Loans – Cash Out
- Low Rates: Instant Quote & Credit Approval
- Rate Lock Protection, Lock Now Before Rates Go Up
- Over $100 Billion Funded. 21 Years in Business
- View Competitive Rates and Options
- Inc 5000 Award 7x
- BBB A+ Rating, Est. 2009
- Conventional, VA, FHA, USDA, Harp
- Home Equity & Cash Out Options
- Zero Point Options!
- Home Equity Lines of Credit
- Home Equity Loans
- Many Options to Choose
- BBB A+
- Alternative Cash Out
Mortgage Rate Trends
Current APR and Rate Trends since 1991
Kentucky Mortgage Rates
With benefits like affordable living, excellent healthcare, and stunningly beautiful scenery all readily available, there are quite a few more reasons to move to Kentucky than the famous horse race held there each spring.
If you are considering relocating to the Bluegrass State, there is no time like the present, but you should always ensure that you get the best deal on your new home mortgage.
Common Kentucky Loan Types:
- Kentucky conventional mortgages: The most common types of loans in Kentucky are conventional fixed-rate mortgages, which can be for terms of anywhere from 10 to 40 years. In most cases, Kentucky residents can also explore the various adjustable-rate options available.
- Kentucky FHA loans: An FHA mortgage is a home loan backed by the Federal Housing Administration. This insurance allows borrowers without large cash down payments or with lower credit scores to qualify for a mortgage. The insurance does come at a cost in the form of a Mortgage Insurance Premium (MIP). Compare your options at FreeRateUpdate.com.
- Kentucky VA loans: Active duty or retired military members may qualify for a VA Loan. A VA loan is a home mortgage guaranteed by the United States Department of Veterans Affairs (VA). Because of their powerful backing, these loans often come with lower qualifications including a lower down payment.
Kentucky Mortgage Rates Compared to National Averages
Homebuyers in Kentucky will find plenty of value with mortgage interest rates that typically fall well below the national averages, which can lead to incredible savings over the life of the loan.
Like many states, Kentucky home values vary depending on where the home is located. But when you factor in the low property taxes and low cost of living in most parts of the state, Kentucky residents have quite a few benefits over the rest of the country.