Home loans across Kentucky, from Louisville and Lexington to Bowling Green, Northern Kentucky and the Fort Campbell area. Estimate your payment, compare programs and talk it through with Duane.
Licensed in Kentucky
Conventional, FHA, VA and jumbo
Purchase and refinance
Estimate a Kentucky payment
Sample figures, edit freely
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The price, tax and insurance values are samples, not Kentucky averages. Property tax and insurance vary a lot by address, so replace them with real quotes.
Estimate only. Includes principal, interest, tax, insurance and an estimated mortgage insurance charge when the down payment is under 20%. Actual terms depend on credit, loan program and property.
Loan options in Kentucky
Duane compares programs for your scenario and explains the tradeoffs before you commit.
Conventional. Purchase and refinance loans with as little as 3% down for qualifying buyers. Mortgage insurance can come off as your equity grows.
FHA. As little as 3.5% down with qualifying credit, and more flexible credit guidelines. FHA carries an upfront and an annual mortgage insurance premium.
VA. Kentucky is home to Fort Knox and Fort Campbell, and many buyers are active-duty, retired or veteran. VA loans can be $0 down for eligible borrowers, with no monthly mortgage insurance. A funding fee usually applies unless exempt.
Jumbo. For loan amounts above the conforming limit in your county. Expect closer review of down payment, reserves and documentation.
Refinance. Lower the rate, shorten the term or take cash out. Compare the break-even point against how long you plan to stay.
Local housing agency
Kentucky Housing Corporation
Kentucky Housing Corporation offers first-time buyer and down payment programs through participating lenders. Income limits, price limits and funding change, so ask what is open now.
Attorney-led closings. Kentucky is an attorney state, and the settlement is typically handled by a real estate attorney. Ask for a fee estimate early.
Transfer tax and recording. A state transfer tax applies when the deed is recorded, and county recording fees apply to the mortgage. Your closing agent will give exact figures.
Property tax is local. Counties and taxing districts set the rates, and some owners qualify for a homestead exemption. Check the rules for your county.
Northern Kentucky. Many Northern Kentucky buyers commute to Cincinnati, and that market moves differently from Louisville and Lexington.
Rural and farm properties. Acreage, wells and septic can change your loan options. Share the property details early.
Kentucky FAQ
Does Duane lend across Kentucky?
Yes. Duane is licensed in Kentucky and works with buyers and homeowners statewide, from Louisville and Lexington to Northern Kentucky and Western Kentucky.
Do I need an attorney to close in Kentucky?
Kentucky closings are typically handled by a real estate attorney, and the fee is part of your closing costs. Your lender will tell you what is needed from your side.
What does Kentucky Housing Corporation offer?
It offers first-time buyer and down payment programs through participating lenders. Eligibility, limits and availability change, so ask what is open now.
Can service members near Fort Campbell or Fort Knox use a VA loan?
Yes. Eligible service members and veterans can use a VA loan anywhere in Kentucky. Duane can review your eligibility and entitlement.
Duane Buziak, NMLS #1110647. Licensed in VA, FL, TN, GA, NC, SC, MD, DC, WV, TX and KY. Brokered through Coast2Coast Mortgage, NMLS #376205. Verify licenses at nmlsconsumeraccess.org. For illustration only. Not a loan offer, commitment or rate quote. Equal Housing Opportunity.
