Our Loan Programs
Let us help you find a dream loan for your dream home today!
502 Direct Loans
- Purchase an existing home or build a new one
- Low household income
- 33 or 38 year fixed rates
502 Guaranteed Loans
- Purchase an existing home
- Moderate household income
- 30-year Fixed Rates
504 Housing Repair Loans & Grants
- Very low income homeowners in eligible rural areas.
- Repair, improve, or modernize your home.
- Grants possible for age 12 or over.
We ensure your home payments are affordable with a loan that meets your needs and are committed to helping hardworking families achieve the dream of homeownership by offering conventional and USDA/Rural Development financing. Borrowers must meet income-eligibility, agree to occupy the home as their primary residence, be a US citizen, and have the capacity to repay the loan obligation.
We are experienced in working with various down-payment assistance programs. Our knowledgeable team will help you identify the appropriate programs to assist with your home purchase.
We also offer:
- No down-payment or upfront costs
- No Private Mortgage Insurance
- Alternative credit sources permitted
- Low interest rates
- Up to 38-year fixed term mortgages
Contact Us
Lending:
(606) 729-0215
Click to Email
General Inquiries:
(606) 864-5175
Click to Email
President & CEO
606.729.1035
Click to Email
Wayne County Residents:
(606) 278-2508
Click to Email
Contractors & Subcontractors:
(606) 307-4753
Click to Email
This institution is an equal opportunity provider and employer.
Hard of hearing, speech impaired or deaf users, please call the Kentucky Relay Service at 606.648.6056.