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Get competitive rates to build, buy, or refinance from local lenders who are committed to making a difference at home.


Key Features

  • Competitive Rates
  • Local Processing
  • Quick Decisions
  • Competitive rates for home purchase, refinance, or construction
  • Available for primary residence, second homes, vacation homes, or investment properties
  • Repayment terms customized to fit your budget
  • A wide range of financing programs available:
    • Fixed rate mortgages
    • Adjustable rate mortgages (ARMs)
    • USDA Rural Housing Loans
    • FHA Loans
    • VA Loans
    • First Time Homebuyer specials
    • Construction Loans
  • Helpful loan advisors with working knowledge of the West Kentucky real estate market
  • Free pre-approval for extra confidence when it comes to securing financing
  • Refinance your current home to potentially lower your rate
  • Quick decision-making and processing
  • Attentive, friendly service from start to finish

Below are items that may be needed during your mortgage application.

Personal Information

  • Copy of driver's license and social security card
  • Name, address and phone number of employers for previous 2 years
  • Previous 2 years W2s and tax returns (all pages, including all schedules)
  • Pay stubs to cover past 30 days
  • Year to Date Profit and Loss statement and Balance Sheet if self employed
  • Social Security award letter, pension award letter (if applicable)
  • Past 2 months bank statements, all pages (checking, savings, CDs, etc.)
  • Most recent quarterly retirement statement, all pages, include terms/conditions
  • Gift Letter and copy of gift check (if applicable)
  • Landlord address and phone number or past 12 months cancelled rent checks (if applicable)
  • Check or Credit Card information for appraisal, copy of front only of card and security code on back
  • Copy of the settlement statement if your have sold your current home

Miscellaneous (if Applicable)

  • Copy of divorce decree and settlement agreement
  • Copy of bankruptcy discharge and all schedules
  • If refinancing, copy of settlement statement and note

Items to Be Received from the Realtors

  • Copy of the purchase contract and all addendums signed by all parties
  • Copy of the property disclosure signed by all parties
  • Copy of the listing contract if your are selling your current home