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

We exist to bring you home.

Plenty of loan options. Terms that fit your budget.

Winchester Home Mortgage

Dreaming of your first starter home? Is your family growing, and you need more space? Or are you simply ready for something different? With JustChoice Lending, we have home loans for all income levels, including 100% financing with no down payment for qualified borrowers. Get approved and find your new home in beautiful Winchester, Kentucky.


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!



You dream of getting the key to your new home in Winchester, Kentucky, and walking through the door for the first time. We’re here to help you find the right home loan to make it happen.

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.


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.

What We’re About

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


Why We ❤️ Winchester, Kentucky

If you love small-town charm, a slower pace of living, and a close-knit community, you'll find what you're looking for in Winchester, Kentucky. Located in the state's Bluegrass region, it's a place where people know their neighbors and take pride in the town's heritage and traditions. The city has a rich history dating back to the 18th century and its historic downtown district is home to well-preserved Victorian-era buildings that offer a glimpse into the past. We're proud to serve this community and help folks find their 'home sweet home' in Winchester.


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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!