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

VA Loans in Kentucky & Beyond

Did you know that veterans, active duty military members, and surviving spouses can buy a home with no money down? That’s just one of the exclusive benefits available with the government-backed VA home loan program.


Who It’s For

Those who can qualify for a VA home loan include veterans who meet length-of-service requirements and active duty military members. Those with a service-connected disability may also qualify, as well as surviving spouses of service members who died in the line of duty.

The Advantages

Zero Down

There’s no down payment required for a VA loan, making home buying easy on the budget.

Low Interest Rates

VA loans are known for having some of the lowest, most competitive, interest rates on the market.

Limited Closing Costs

There are certain fees that are not allowed with VA loans, plus there’s a limited mortgage origination fee.


Because VA loans are backed by the government, you’re not required to buy Private Mortgage Insurance.

Eligibility at a Glance

Do you:

  • Have a credit score of at least 580?*
  • Have proof of income?
  • Have the documentation you’ll need (a DD Form 214 if you’re a veteran, or a Statement of Service if you’re active military)?

Then you may qualify for a VA loan!

*Minimum credit score requirement may vary by investor.

Take Your First Step

Are you a veteran or active service member interested in a no down payment VA loan? 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!