A Kentucky Mortgage Company

Thanks to our friendlier approach to mortgage lending, homebuyers in Kentucky greeted us with open arms and Southern charm. Today, we’re one of the state’s top lenders—and proud of it!

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Kentucky, home to Churchill Downs, the birthplace of the mint julep and bluegrass music, is a beautiful state to call home. While Kentucky didn’t quite make the top five least expensive states to live in, it is below the national average in affordability. The mortgages being offered in Kentucky are some of the most competitive in the nation, but if you are a veteran, first responder, or teacher, you may qualify for even lower rates. 

Buying a Home in Kentucky

The real estate prices in the Bluegrass State continue to rise due to the laws of supply and demand. Estimates show that housing prices have risen 13.9% from 2020. Even though the cost of homeownership in Kentucky is on the rise, you can still purchase a home in Kentucky for considerably less than the national average.

According to Zillow, the median price for a home in Kentucky is $178,523, slightly lower than in a neighboring state like Indiana. Even though that is up 13.9% from the previous year, it is still much cheaper than many other places in the country. The median price for a home in Oregon is $479,135. The median home price in Utah is almost $505,789. The point being is that 13.9% up from a price that was already very inexpensive shouldn’t put much of a hindrance in your way to owning a home in Kentucky. 

Refinancing in Kentucky

There are countless benefits to refinancing your home loan. Ridding yourself of PMI, lowering interest rates, consolidating debt, and funding home renovations are just some of the many reasons people choose to refinance their mortgages. 

Kentucky Mortgage Calculator

Mortgage calculators can help determine your mortgage payment and break down that payment into individual expenses such as taxes, insurance, and HOA fees. Calculate your monthly mortgage payment for a home in Kentucky by inputting your loan term, home price, and down payment into the corresponding box on the mortgage calculator.

In addition to the mortgage calculator, we offer a loan comparison calculator, rent vs. buy calculator, and refinance calculator among others. Our goal is to provide clients with a full suite of tools so that they may make the most informed decision possible about their home loans. 

Best Mortgages in Kentucky

ARM (adjustable rate mortgages), government-insured mortgages (FHA, VA, and USDA-backed mortgages), fixed-rate mortgages, and conventional mortgages are all available to Kentucky residents through The Home Loan Expert. If you aren’t sure which of these or other available loans is best for you, then check out a full list of home loan options available to those in Kentucky.

The Home Loan Expert

The Home Loan Expert offers Kentucky residents the most competitive mortgage rates in the state. We serve the people of Kentucky in Louisville, Frankfort, Bowling Green, Lexington, Owensboro, Paducah, and many others.

The Home Loan Expert has decades of experience in the mortgage industry. We have expanded to 18 states. We look forward to helping you finance your dream home in Kentucky.

OUR KENTUCKY STORY 

We moved into the Bluegrass State in 2018 after we saw that Kentucky homebuyers—from big-city residents in Louisville to small-town dwellers in Harlan—weren’t being served well by big, impersonal corporate lenders. And it didn’t take long for our new and improved way of handling mortgages to get attention. 

Kentucky has taught us that horses are a really big deal, that bourbon goes great with everything, and that other Kentucky lenders close loans “slower than molasses” compared to our team!

Today, we’re proud to serve homeowners in Louisville, Lexington, Bowling Green, Owensboro, Covington, Hopkinsville, Richmond, Florence, Richmond, and many more fantastic Kentucky neighborhoods.

CONTACT US

Our Kentucky offices are located at:

9850 Von Allmen Ct
Ste 201
Louisville, Kentucky 40241

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