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Lexington Home Loans

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Lexington Mortgage Lender

Home Loans In Lexington, Kentucky

Lexington is a thriving city in the heart of Kentucky’s renowned scenic Bluegrass Region. Known as the Horse Capital of the World, the housing market in Kentucky’s second-largest city continues to flourish. With interest rates low and the competition high, real estate sales were through the roof in Lexington in 2021.

Lexington, which is often ranked as one of the most incredible places to live in the U.S., is an excellent place to call home regardless of your life stage.

If you’re in the market for a new home or are considering relocating to Lexington, Capital Home Mortgage can assist you in obtaining a home loan through a financing program that’s right for you.

Your Lexington, KY Home Loan Options

Mortgages involve a considerable amount of money that will take years to pay. It’s likely going to be the most significant financial move you’ll make in your life, so think things through before leaping and, once you decide to go for it, make sure that you’re signing up for the best mortgage product for your situation. 

Here’s an overview of the most frequently offered mortgage products today.

  • Fixed-Rate Mortgages

These mortgages have a fixed interest rate for the loan duration, which is typically between 10 and 30 years. The primary advantage of this type of mortgage is that payments can be calculated and generally stay the same from the time you obtained the mortgage until the final payment date.

  • Adjustable-Rate Mortgages

The primary characteristic of an adjustable-rate mortgage, or ARM, is the fluctuating interest rate that follows the fixed period. For example, a 5/1 ARM begins with a fixed rate for the first five years and then switches to an annual variable rate. Because of the uncertainty in their interest rates, ARMs are typically offered at a “teaser rate” that is lower than the interest rate on most loans.

  • FHA Loans

The Federal Housing Administration insures home loans made to qualified borrowers, primarily those with moderate to low incomes. Because the government backs these loans, banks typically offer more relaxed requirements to FHA loan applicants, including down payments as little as 3.5 percent and credit scores as low as 580.

  • VA Loans

Whether retired or still serving, veterans can obtain a mortgage with zero down payment, no loan limits, no mortgage insurance, and 4% seller concessions through the VA mortgage program. Surviving spouses of military veterans may also qualify for a VA loan.

  • USDA Loans

The USDA loan is another government-insured home loan program that offers to finance borrowers seeking to purchase a home in specified rural areas by the United States Department of Agriculture. No down payment is required for a USDA loan, and there are no restrictions on seller concessions, but only those who qualify for the credit, income, and asset restriction standards may apply for this type of mortgage.

  • Jumbo Loans

If the cost home you wish to purchase is greater than the limits established by Fannie Mae and Freddie Mac, jumbo loans are your best option. However, due to the higher level of risk that jumbo loans carry, it is only available to customers with exemplary credit ratings. You will need a credit score of at least 740 to qualify.

Lexington, Kentucky Mortgage Lender

Are you interested in any of the home loans listed above? Capital Home Mortgage’s skilled loan officers can assist you in obtaining the financing you need to buy a home in Lexington, Kentucky. 

We offer a variety of home loan products, including government-backed loans, jumbo loans, conventional loans, and even refinancing.

Capital Home Mortgage handles all mortgages from applications until funding as a direct mortgage lender. Because we finance all approved loans, our underwriting and processing procedures are more adaptable to our client’s unique circumstances.  We guarantee competitive interest rates and low fees, and exceptional customer service from beginning to end.

Are You Ready To Apply For A Lexington Home Loan?

The process of obtaining the right home loan in Lexington, Kentucky, begins with a simple phone call to Capital Home Mortgage. 

Call (270) 255-4771 to speak with one of our loan officers about any questions you might have about our home loan products or get a free quote.

Why Lexington is Choosing Capital Home Mortgage...

Close On Time with True Approval

Control of the Loan from the Application to Funding.

Great Lexington Rates / Low Fees

Direct Mortgage Lender Providing Competitive Rates and Low Fees.

Lexington Customer Service

7  Day a Week Support from Application to Final Mortgage Payment. 

Lexington Mortgage Rates

Capital Home Mortgage Lexington is dedicated to offering Great Lexington Mortgage Rates.

Call now to speak with a Loan Officer or request a no-obligation custom rate quote.

Have you ever wondered why interests rates are what they are and what determines the final rate?  Why borrowers receive different interest rates? Or why rates go up and down?  Interest Rates are calculated using several factors.

  • Demand for the mortgage Securities
  • Property securing the mortgage
  • occupancy of the property
  • Loan to value of the property
  • Borrower’s credit worthiness

Lexington Kentucky Mortgage Loans

Lexington Home Purchase

Buying a Lexington Home?

  • Primary, 2nd, Investment
  • Low Rates & Low Fees
  • Conventional, FHA, VA, USDA
  • Jumbo, Reno, Manufactured

Lexington Renovation Home Loans

Lexington Rehab Loans

  • Remodel, Renovate, Repair
  • FHA 203K Streamline or Full
  • Fannie Mae Homestyle Reno
  • Freddie Mac Choice Reno

Lexington FHA Home Loans

1st Time Lexington Homebuyers

  • Smaller Down Payment
  • Flexible Underwriting
  • Higher Debt to Income Ratios
  • Lower Credit Scores Allowed

Lexington VA Home Loans

100% Loans for Lexington Veterans

  • Simply Qualifying
  • No Down Payments 
  • Lower Credit Scores Allowed
  • Manual Underwriting Allowed

Lexington Conventional Home Loans

Flexibility for Lexington Buyers

  • Primary, 2nd, Investment
  • Great Rates & Low Fees 
  • Single and Multi-Family
  • Renovation Loan Programs

Lexington Jumbo Home Loans

Great Lexington Rates

  • Primary & 2nd Homes
  • Higher Amounts – 3 Million
  • Great Interest Rates
  • Investor Specific Guidelines

Lexington USDA Home Loans

Rural Lexington Properties

  • Rural Properties Only
  • Primary Residence Only
  • New Manufactured Homes
  • Closing Costs Can Be Rolled In

Lexington Native American Loans

Lexington HUD 184 Loans

  • Primary Residence Only
  • Manual Underwrite All Loans
  • No Credit Score Requirements
  • Tribal Grants Allowed

Lexington Manufactured Home Loans

Lexington Mobile Home Loans

  • Purchase or Refinance
  • New Home Purchase
  • OTC Combo Land & Home
  • FHA, VA, USDA, & HUD 184

Lexington Reverse Mortgages

Your Lexington Home at Work!

  • Primary Residence Only
  • Simple Qualifying
  • Credit Scores Not Applicable
  • Minimum Age 62

Lexington Cash-Out Refinance

Lexington Equity Refinance

  • Reduce Mortgage Term
  • Lower Monthly Payments
  • Appraisal Waivers
  • Streamline Options Available

LexingtonMortgage Refinance

Lexington Rate & Term Refinance

  • Purchase, Refi & Cash-out
  • Primary, 2nd & Investment
  • Full Doc & Alt Doc Programs
  • Corporations OK

Lexington Kentucky Mortgage Team

Dale Gremillion

Sr Loan Officer
NMLS #210325

Conor Hayhurst

Branch Manager
NMLS #743506

Sam Klaburner

Sr Loan Officer
NMLS #140132

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