Financing shaped to the borrower, not the checklist.

Fannie Mae and Freddie Mac loans up to the 2026 conforming limit of $806,500. 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. Popular across Louisville, Lexington, and Covington.

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

Most of eastern and western Kentucky qualifies. We run eligibility on the exact parcel before you write an offer.

Loan amounts to $3,000,000 with interest-only options. Non-warrantable and newer condo projects reviewed in-house rather than declined by default.

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.