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

(606) 729-0215
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General Inquiries:
(606) 864-5175
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President & CEO
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Wayne County Residents:
(606) 278-2508
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Contractors & Subcontractors:
(606) 307-4753
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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.

Make a difference by empowering homebuyers shape the houses and communities they call home.