Financing shaped to the borrower, not the checklist.

Fannie Mae and Freddie Mac loans up to the $832,750 conforming limit. HomeReady and Home Possible pricing for eligible first-time buyers, and PMI that drops automatically at 80% LTV.

Flexible credit and debt ratios, gift funds allowed for the entire down payment, and non-occupant co-borrowers permitted for eligible Kentucky borrowers.

Full-entitlement purchases with no monthly mortgage insurance, plus VA IRRRL streamline refinances. Dedicated VA desk for Fort Knox and Fort Campbell moves.

Financing for loan amounts above the $832,750 conforming limit, with fixed-rate and adjustable-rate options based on borrower and property eligibility.

Qualify on the property's rent, not your tax returns. 1–8 unit residential, short-term rental income accepted with 12 months of history, closings in LLC name.

FHA 203(k) and Fannie HomeStyle financing that folds the rehab budget into one loan — a practical fit for older Kentucky housing stock and homes needing systems work.

For self-employed borrowers: 12 or 24 months of personal or business deposits in place of tax returns, with no P&L gymnastics required.