Loan programs in Kentucky. Grouped by what you're trying to do.

Financing for a home purchase, a refinance, or an investment property. You'll find conventional and government-backed loans here alongside jumbo, bank statement, DSCR, and other specialty options. If you're not sure where to start, call me and we'll narrow it down.

Buying a home

Financing for first-time and experienced buyers.

Conventional loans in KentuckyOptions for first-time and repeat buyers, including low down payments for eligible borrowers.FHA loans in Kentucky3.5% down and flexible on credit history. A common base for down payment assistance.USDA loans in KentuckyZero down, and eligible across much of the ring beyond Jefferson County.First-time home buyer loans in KentuckyDown payment and closing cost help, including grants that don't require repayment.

Veterans and service members

VA financing for eligible veterans and service members.

VA loans in KentuckyZero down, no monthly mortgage insurance, and the funding fee waived with a disability rating.

Higher loan amounts

Jumbo financing above the conforming limit.

Jumbo loans in KentuckyFinancing above the conforming loan limit, with lender options for higher loan amounts.

Self-employed and business owners

Financing for rental properties and portfolios.

DSCR and investment property loans in KentuckyDSCR financing based on the property's rental income, with options for purchases and refinances.HELOCs and second mortgages in KentuckyFund the next down payment without giving up the rate on your first mortgage.

Refinancing and home equity

Changing the loan you have.

Refinancing in LouisvilleRate, term, or cash out, plus the break-even math that decides whether any of it is worth doing.HELOCs and second mortgages in KentuckyAccess equity while leaving a low first-mortgage rate intact.

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Let's talk about your mortgage plans.

Tell me what you're buying or refinancing, your timing, and the questions you want to work through. I'll review the details and contact you about the next step.

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🔒 Nothing on this form touches your credit. No Social Security number, no pay stubs, no application. Just enough for me to follow up with you. Equal Housing Opportunity. Ryan Miles, NMLS #112627 · Coast2Coast Mortgage, LLC, NMLS #376205.