VA Loans in Kentucky & Beyond
Did you know that veterans, active duty military members, and surviving spouses can buy a home with no money down? That’s just one of the exclusive benefits available with the government-backed VA home loan program.
Is a VA Loan Right For You?
VA loans are designed to help military families buy a home and they offer great advantages—no down payment, better terms, and lower interest rates. They’re funded by private lenders, such as banks and mortgage companies, and the VA guarantees a portion of the loan so you get more favorable terms.
Who It’s For
Those who can qualify for a VA home loan include veterans who meet length-of-service requirements and active duty military members. Those with a service-connected disability may also qualify, as well as surviving spouses of service members who died in the line of duty.
The Advantages
Zero Down
There’s no down payment required for a VA loan, making home buying easy on the budget.
Low Interest Rates
VA loans are known for having some of the lowest, most competitive, interest rates on the market.
Limited Closing Costs
There are certain fees that are not allowed with VA loans, plus there’s a limited mortgage origination fee.
No PMI
Because VA loans are backed by the government, you’re not required to buy Private Mortgage Insurance.
Eligibility at a Glance
Do you:
- Have a credit score of at least 580?*
- Have proof of income?
- Have the documentation you’ll need (a DD Form 214 if you’re a veteran, or a Statement of Service if you’re active military)?
Then you may qualify for a VA loan!
*Minimum credit score requirement may vary by investor.
Take Your First Step
Are you a veteran or active service member interested in a no down payment VA loan? Start your application today!
VA LOANS - FAQs
As your lender, we can request it for you. Or you can apply online through the U.S. Department of Veterans Affairs.
Yes. To be eligible you need at least six years of honorable service or 90 days of active duty. You can also qualify if you were discharged with a service-related disability.
Yes, there is one fee you should know about when applying for a VA home loan. You’ll pay a one-time funding fee (which supports the VA loan program) to the Department of Veterans Affairs.
Yes. VA loans are a lifetime benefit and can be used as many times as you like. You just need to pay off a current VA loan before taking out another one.
Helpful Tools
First-Time Home Buyers
Not sure where to begin? Follow our step-by-step guide and you’ll be in your new home in no time.
Calculators
How much home can you afford? Run the numbers with our handy loan calculators.
FAQs
Have questions about getting a loan? We’re happy to help! Get answers to the most common questions.
Words From Our Happy Homeowners
What We’re About
We’re a Kentucky mortgage lender that believes everyone deserves safe and affordable housing. Our overarching mission is to uplift communities throughout Central Appalachia and beyond, and we know that begins with ensuring everyone has a place to call home.
There’s a Loan for Everyone
USDA 502 Direct Loans
Do you have good credit but a limited income and want to live outside the city? Check out the USDA 502 Direct Loan.
USDA Guaranteed Loans
Are you interested in living in a rural area, and your income is moderate? Ask us about USDA-guaranteed loans.
FHA Loans
Need flexibility for your credit score and a lower down payment? Take a look at the popular FHA loan.
Conventional Loans
Do you have a solid credit score and are looking for great rates and options? Consider a conventional loan.
VA Loans
- Are you a U.S. military member or veteran? Find out how you can buy a home with no money down.
Specialty Programs
Do you have a unique situation? We offer a range of flexible loan programs to fit your needs.
