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Home Loans In Louisville, Kentucky

Louisville is among the top ten places to buy a home! The city’s properties are a high-performing investment due to the rapid growth of jobs, population, and affordability.

Louisville, also known as the “Gateway to the South” and “Bourbon City,” is located in north-central Kentucky, bordering Jefferson County in Indiana and the Ohio River. As the state’s largest city, Louisville has a low cost of living and a vibrant economy of public and private industries such as manufacturing, high-tech, transportation, and shipping.

With all of these advantages to living in Louisville, it’s no surprise that the city’s real estate market is thriving!

Is buying a house in Louisville on your list of goals for this year? Capital Home Mortgage can assist you in obtaining the financing you require to close the deal as quickly as possible. To get you started, let’s go over the basic steps for obtaining a home mortgage in Louisville, Kentucky.

How To Obtain A Louisville, Kentucky Home Loan

Securing a home loan can take a while, even more so if you are unfamiliar with the process. While each lender has its own set of procedures, getting a mortgage typically entails the following steps:

1. Find a lender and get pre-approved

Pre-approval is how a lender provides you with a quote for a mortgage loan. The lender will assess your earnings, assets, and creditworthiness during pre-approval and give you a quote based on the information.

Once pre-approved, the lender will generate a pre-approval containing information about your mortgage and the amount estimate, including the principal amount, interest rate, loan term, and other essential details.

Being pre-approved improves your shot at closing a deal with sellers because they know you can acquire the necessary financing to purchase the home. 

2. Look for a property that fits your budget.

Once you receive the approval letter, you can begin looking for homes based on the maximum amount that the lender is ready to loan to you.

There are several ways to go about finding your new home. You could conduct a quick internet search for homes for sale in Louisville or drive around the neighborhoods you had in mind. However, if you want your search to be as stress-free and convenient as possible, we recommend hiring an experienced real estate agent.

When you’ve found a home that fits your budget and requirements, you can make an offer to the seller and start negotiating.

3. Mortgage underwriting.

After you’ve reached an agreement with the seller and decided to purchase the property, your lender’s underwriter will look over your finances and the specifics of the home you want to buy.

During this stage, you will be required to provide documentation proving your income and asset ownership.  In addition, the lender will appraise the house, verify the title, and inspect the property following state laws.

4. Closing the loan.

The closing on your home loan marks the end of the mortgage application process.  You should bring to the closing proofs of identification, the down payment, and extra money for closing costs. 

After paying the down payment and signing the contract, you will be handed the keys to your new home in Louisville, Kentucky!

Louisville, Kentucky Mortgage Lender

When you work with Capital Home Mortgage, getting a home loan in Louisville is much easier and faster than you think. We provide a wide range of mortgage products, including VA, USDA, FHA, conventional, and jumbo loans.

As a direct mortgage lender, we handle and finance all mortgage applications from beginning to end. We also provide attractive interest rates and lower processing fees.

Apply For A Home Loan In Louisville Today!

Starting your homeownership journey is a breeze with Capital Home Mortgage. You can apply online or speak with one of our Louisville loan officers to discuss your home loan requirements. 

Call us at (270) 255-4771 to get started with a no-obligation loan quote.

Why Louisville is Choosing Capital Home Mortgage...

Close On Time with True Approval

Control of the Loan from the Application to Funding.

Great Louisville Rates / Low Fees

Direct Mortgage Lender Providing Competitive Rates and Low Fees.

Louisville Customer Service

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

Louisville Mortgage Rates

Capital Home Mortgage Louisville is dedicated to offering Great Louisville 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

Louisville Kentucky Mortgage Loans

Louisville Home Purchase

Buying a Louisville Home?

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

Louisville Renovation Home Loans

Louisville Rehab Loans

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

Louisville FHA Home Loans

1st Time Louisville Homebuyers

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

Louisville VA Home Loans

100% Loans for Louisville Veterans

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

Louisville Conventional Home Loans

Flexibility for Louisville Buyers

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

Louisville Jumbo Home Loans

Great Louisville Rates

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

Louisville USDA Home Loans

Rural Louisville Properties

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

Louisville Native American Loans

Louisville HUD 184 Loans

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

Louisville Manufactured Home Loans

Louisville Mobile Home Loans

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

Louisville Reverse Mortgages

Your Louisville Home at Work!

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

Louisville Cash-Out Refinance

Louisville Equity Refinance

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

Louisville Mortgage Refinance

Louisville Rate & Term Refinance

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

Louisville Kentucky Mortgage Team

Conor Hayhurst

Manager
NMLS 743506

Damon Embler

Sr Loan Officer
NMLS 882260

chris erwin

Sr Loan Officer
NMLS 914064

Dale Gremillion

Manager
NMLS 210325

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