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

Refinance the Loan On Your Kentucky Home

Save yourself some money, get extra cash, pay off your debt—these are just a few of the benefits of refinancing your mortgage. You can also change your terms to pay off your loan faster and build equity quicker.


Who It’s For

When you refinance, you’re essentially getting a new loan that pays off your current loan. There are various reasons to do this, including:

  • Moving from a fixed-rate mortgage with a high interest rate to a loan with a lower interest rate
  • Moving from an adjustable rate mortgage (ARM) to a fixed rate
  • Consolidating two mortgages into one
  • Moving from a long-term loan to a shorter-term loan to pay it off and build equity more quickly
  • Moving from a shorter-term loan to a longer-term loan that pays down the principal
  • To have extra cash to make a purchase or pay off other debt
  • Trying to get a better rate because your credit has improved

Your Refi Options

Cash-Out or Cash Back Refinancing

Refinance your mortgage for more than you currently owe and get the difference (the equity) in cash.

Low Fixed-Rate Loan

Take advantage of lower interest rates by refinancing your high fixed-rate mortgage to one with a low fixed rate.

Shorter-Term Loan

Build equity quickly and pay off your mortgage sooner by refinancing your mortgage to a shorter term.

Longer-Term Loan

Reduce your monthly mortgage payments and make room in your budget by refinancing to a longer-term loan.

Eligibility at a Glance

Do you:

  • Have a credit score of at least 620?*
  • Have a down payment of at least 3.5%?
  • Have a low debt-to-income ratio?
  • Have consistent, documented income?

Then you may qualify for refinancing your mortgage!

*Minimum credit score requirement may vary by investor.

Take Your First Step

Does refinancing sound like a great idea to help you meet your goals? 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.


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!