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 are now a full-service mortgage provider offering loan options that fit your budget. This now includes Conventional loans, VA loans, FHA loans, and Specialty programs to fit your needs.

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

362 Old Whitley Road, London, KY 40743

(606) 729-0215
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General Inquiries:
(606) 864-5175
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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.

National Mortgage License #993230

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