Today's Refinance Rates5.1%5.4% APR Fixed Mortgage

Choose loan type

* Advertising and Licensing Disclosures

TRUSTED PARTNERS

Compare Mortgage Refinance Offers

Lower Your Interest Rate

If eligible, you can lower your interest rate. This could lead to lower payments and less money paid towards interest.

Why should I lower my rate?
Piggy bank Save money
Lower cost Lower Payments

Shorten Your Loan Term

Shorten your loan term when refinancing from a 30-year term to a 15-year term. You may also lower your rate.

Why should I shorten my term?
House Become mortgage-free quickly
Lower interest Pay less interest

Leverage Your Home's Equity

Take cash out of your home to apply to improvements, renovations, or other necessary expenses.

Why should I cash out?
Paint roller Renovations
Credit card hazard Pay for other debts or emergencies
  • 4.9 out of 5
  • Google Reviews
    106 Verified Reviews
  • 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!

See Loan Depot Deal

View Rates
  • 4.7 out of 5
  • TrustPilot
    20865 Verified Reviews
  • Providing Affordable Mortgages and Award-Winning Client Service for Over 30 yrs.
  • Highest in Customer Satisfaction in the US - J.D. Power

See Rocket Mortgage Deal

View Rates
  • 4.5 out of 5
  • TrustPilot
    675 Verified Reviews
  • View Best Rates & Costs
  • INC 500 Award 5x
  • BBB A+ Rating, Est. 2009
  • NMLS Licensed, Nationwide
  • Conventional, VA, FHA, USDA, Harp
  • Home Equity & Cash Out Options
  • Zero Point Options!

See FreeRateUpdate Deal

View Rates
  • Home Equity Lines of Credit
  • Home Equity Loans
  • Many Options to Choose
  • BBB A+
  • Alternative Cash Out

See HomeEquityChoice Deal

View Rates

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.