First Time Homebuyer
Loans in Kentucky

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Shopping for your first home involves asking a lot of questions. Potentially, it can also involve navigating around obstacles.

At First Savings Bank, our goal is to provide you with the answers and solutions you are looking for, regardless of your financial situation and home buying goals. When we match you with a mortgage, we strive to save you as much money as possible over the entire lifetime of your home loan. That way your mortgage serves you not just today, but tomorrow and over the years to come.

We Offer These First Time Homebuyer Loan Programs
in Kentucky

FHA

Among first time homebuyers in Kentucky and across the country, the FHA loan program insured by the Federal Housing Administration (FHA) is one of the go-to home loan programs. Credit and DTI ratio qualification criteria are flexible, and down payments range from 3.5% to 10%.

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VA

For veterans, active duty service members, and eligible surviving spouses shopping for their first homes, the VA loan program backed by the Department of Veterans Affairs (VA) is available to provide zero down and other competitive benefits.

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USDA

Throughout Kentucky, there are many lovely homes for sale in rural areas. The income-based USDA loan program backed by the US Department of Agriculture (USDA) can help you to buy one of these homes with zero down payment and discounted PMI.

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Conventional

While not government-insured, conventional mortgages can make buying your first home affordable with down payments starting as low as 3%.

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Jumbo

As a first time home buyer with a competitive risk profile, you can apply for a jumbo mortgage to purchase a higher value home in Kentucky.

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Bank Statement Loan

If you are shopping for your first home with a nontraditional income scenario (i.e. self-employment or entrepreneurship), our bank statement loan program allows you to apply without a W-2.

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Purchase Money 2nd

This product can help you to finance a down payment or other move-in costs when purchasing your first home.

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Why Choose Us When Buying Your First Home?

We offer solutions for every situation involving credit or employment. We even have specialty loans for buying a home while rebuilding your credit score.

There are multiple products and solutions we can use to help you cover the cost of your down payment, reduce it, or even eliminate it.

Patiently answering questions from first time homebuyers is one of the things that we most enjoy about our work. Through every step, we are here to guide you and offer you the widest spectrum of solutions.

Our philosophy is reflected in our motto, “Where you’re always First.” That is our promise to you as our customer. We are here to make your life easier and more affordable in every way we can.

What Our Clients Are Saying

Amy VanValkenburg
Amy VanValkenburg
21:04 26 Oct 19
My husband and I were referred to Preston Riggs from FSB to handle our complicated loan application. Our move was very stressful as we were moving from Georgia to Kentucky and we had to stay in a hotel for three weeks while our home and our loan were being completed. Preston and his team were so amazing to work with. He was in constant contact with us throughout the entire process...even on the weekends! When our loan underwriters were slow and unresponsive, Preston knew just how much pressure to apply to them to get the loan moved through without upsetting them and causing increased delays. Preston has a great understanding of how the mortgage loan process works along with incredible communication skills; a very hard combination to find. I would highly recommend FSB and Preston Riggs to handle any and all of your mortgage and banking needs.
Jenny Parks
Jenny Parks
20:24 17 Jul 19
Highly recommend!! Entire staff is professional, knowledgeable, and responsive. Excellent customer service - they even brought loan documents to my office to sign so I didn’t have to leave work. Thanks for such a smooth transaction from start to finish!
crash tester
crash tester
01:14 16 Jul 19
The team at FSB made our home buying experience a total stress free experience. First Savings Bank came highly recommend but we were shocked at how fast and efficient the process was. I am recommend First Saving Bank to everyone. From the interest rate to the closing table the team at First Savings is amazing.We cannot thank you guys enough.
Maggie Smith
Maggie Smith
17:12 15 Jul 19
FSB provides a productive and comfortable work environment fit for all walks of life. It's a lovely place to build experience and establish business connections. I thoroughly enjoy my fellow co-workers as well as those who visit from other branches. Proud to be a part of such an excellent team
Revision .
Revision .
14:22 11 Jul 19
I have never experienced such a wonderful place in my life. Made the usual atrocity of getting a mortgage as quick and painless as possible. Devilishly handsome working men and lovely and kind hearted women. I have never in my life wanted more then one household until I ventured forth to this magnificent environment. truly the greatest place on earth. Bring your whole family have them learn about how the harsh mortgage world can also be a fun and enjoyable place its like the Chick Fil A of mortgages an enjoyable experience you don't regret because its so freaking good!
Robert Sullivan
Robert Sullivan
20:10 10 Jul 19
Preston was very very helpful in our loan process. I think we communicated daily throughout the 2 month process. He never said “no” or “sorry, that can’t be done”. I am thankful for his professionalism and personal concern for my situation!! He made us feel like we were their only business at the time.
Christen Buel
Christen Buel
13:56 10 Jul 19
First Savings Bank's mortgage loan officer, Preston Riggs, was amazing. He answered all my questions quickly and my purchase loan closed faster than any other loan I have every applied for. Thank you Preston and First Savings Bank!
Tom Regan
Tom Regan
12:46 10 Jul 19
Our loan officer Preston and the staff were excellent to deal with. Everything went smoothly and we closed with no issues. It was an easy and great experience. I would highly recommend First savings and Preston.
Benny Tincher
Benny Tincher
02:25 10 Jul 19
First Savings Bank Louisville did a great job in processing my home loan in Marco Island, FL. I enjoyed working with all of the people at FSBL. They were very professional and accomplished what they said they would do in a very timely manner.
Alby Rogers
Alby Rogers
00:19 10 Jul 19
Great experience, helped with everything I needed done! Will be returning for sure! Highly recommend!
Daniel Barnett
Daniel Barnett
00:00 10 Jul 19
Quick, easy refinance with no surprises and a great interest rate!
TJ Olson
TJ Olson
23:40 09 Jul 19
The folks at FSB were the shining light of our home buying experience. They were always quick to respond to all of our questions and requests, and were an advocate to our family when we ran into difficulty with the title company. They will be my first suggestion to anyone in the mind to buy a home. Thank you Weldon and Preston, you guys were a big help to us!
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Apply Now For Your First Mortgage in Kentucky

Your first home in Kentucky is waiting for you. So is the ideal mortgage for your needs. Let us help you find it. Please call 502-238-9655 to schedule your first time homebuyer consultation today. We serve customers in Louisville and throughout Kentucky.

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