We exist to bring you home.

Plenty of loan options. Terms that fit your budget.

Your Local Mortgage Lender Serving Kentucky & Beyond

Dreaming of your first starter home? Is your family growing, and you need more space? Or are you simply ready for something different? At JustChoice Lending, we have loans for every type of homebuyer, including 100% financing with no down payment for qualified borrowers. And our reach extends beyond Kentucky — we’re happy to connect with you to discuss other areas you’re interested in.

States We Serve

Franklin

Berea

Richmond

You’re in the Right Place

We Open Doors

Worried about qualifying? We have the resources, experience, and know-how to help you qualify for a great loan.

We Offer Down Payment Help

As a division of Fahe, we have access to down payment options that put homeownership within your reach.

We’re Always In Your Corner

Want a lender you can rely on? We look out for your best interest in more ways than one!

Buyers

You dream of getting the key to your new home and walking through the door for the first time. We’re here to help make it happen.

Home Sweet Home Loan:
0% Interest. 100% Real.

Whether you’re buying a new home or refinancing an existing mortgage, our 0% Fixed Rate Deferred Mortgage is designed around you.

(.023% APR)
$9,000.00 second mortgage loan due at 35 years (balloon)
No income restrictions
Not available in West Virginia
Primary residences only
CLTV cannot exceed 105%

Home buyer education required
May be used for purchase or refinance
Cannot be used to meet borrower’s minimum requirement (MRI) for FHA Loans
Must be paired with Fahe’s JustChoice Lending 1st Mortgage

There’s a Loan for Everyone

USDA 502 Direct Loans

Do you have good credit but a limited income and want to live outside the city? Check out the USDA 502 Direct Loan.

USDA Guaranteed Loans

Are you interested in living in a rural area, and your income is moderate? Ask us about USDA-guaranteed loans.

FHA Loans

Need flexibility for your credit score and a lower down payment? Take a look at the popular FHA loan.

Conventional Loans

Do you have a solid credit score and are looking for great rates and options? Consider a conventional loan.

VA Loans

Are you a U.S. military member or veteran? Find out how you can buy a home with no money down.

Specialty Programs

Do you have a unique situation? We offer a range of flexible loan programs to fit your needs.

Words From Our Happy Homeowners

“The entire process was wonderful. Great staff, always helpful. Simply a great experience.”

Dondi S

First Time Home Buyer

Helpful Tools

First-Time Home Buyers

Not sure where to begin? Follow our step-by-step guide and you’ll be in your new home in no time.

Calculators

How much home can you afford? Run the numbers with our handy loan calculators.

FAQs

Have questions about getting a loan? We’re happy to help! Get answers to the most common questions.

What We’re About

We’re a Kentucky mortgage lender that believes everyone deserves safe and affordable housing. Our overarching mission is to uplift communities throughout Central Appalachia and beyond, and we know that begins with ensuring everyone has a place to call home.

More About Us