Have questions or want to learn more about qualifying for a loan? We’re happy to help!

Conventional Loans in Kentucky & Beyond

Conventional home loans are an attractive option for homebuyers, from a fixed interest rate to no prepayment penalties. It also puts you on the fast track to getting the keys to your new home because there's typically less paperwork involved.


Who It’s For

Conventional loans are funded by private lenders, such as banks. They’re geared toward the average buyer who has a decent credit score and has saved up for a down payment.

The Advantages

Fixed Interest Rate

Your interest rate is fixed for the life of the loan, so you don’t have to worry when rates go up.

No Prepayment Penalties

With a conventional home loan, you can pay off your mortgage at any time without prepayment penalties.

No Mortgage Insurance Option

You may be able to avoid mortgage insurance with a down payment of 20% or higher.

Buy or Refinance

Conventional loans not only offer you an opportunity to purchase a home, but you can also refinance.

Eligibility at a Glance

Do you:

  • Have a credit score of at least 620?*
  • Have a down payment of at least 3%?
  • Have a low debt-to-income ratio?
  • Have consistent, documented income?

Then you may qualify for a conventional home loan!

*Minimum credit score requirement may vary by investor.

Take Your First Step

Does a conventional loan sound like a great fit for you and your family? Do you like the idea of a low down payment and the flexibility to choose terms that work well for you? Start your application today!


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.


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


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


Words From Our Happy Homeowners

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

Dondi S

First Time Home Buyer

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

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.


Take the First Step

As the saying goes—nothing ventured, nothing gained. A few clicks today and you’ll be on the path to your new home!