Our Loan Programs

Let us help you find a dream loan for your dream home today!

502 Direct Loans

The 502 Direct loans are a perfect choice if you have good credit but low-income and provides payment assistance to increase your repayment
ability by reducing your mortgage payment for a short time.

502 Guarantee Loans

The 502 Guarantee program works well if you have a moderate-income and plan to build, rehabilitate, or improve your home.

504 Housing Repair Loans & Grants

If you have a very-low income and are in need of home repair, the 504 Housing Repair program provides loans to very-low-income homeowners the ability to repair, improve, or modernize your home and can also provide grants to elderly very-low-income homeowners to remove health and safety hazards.

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

Are You a Hometown Hero?

We are offering mortgage loan benefits to our local emergency and healthcare personnel as well as employees of educational institutions.

Benefits include:

  • Up to $400 towards appraisal costs
  • Free Credit pull for qualification
  • Quarter percent rate reduction based on current pricing for loan

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.