Home Purchase Loans
in Kentucky

Get Pre-Qualified Today!

Of all the decisions involved with buying a home, one which will have the largest long-term impact on your financial future is the mortgage you choose. With the right home loan, you can move into a home affordably now and make affordable payments over the course of your mortgage.

First Savings Bank offers a wide variety of home purchase loan options in Kentucky so that you can find the loan that works for you.

We Offer These Types of Kentucky Home
Purchase Loans

FHA

The FHA mortgage program is backed by the Federal Housing Administration (FHA), making qualification requirements flexible and mortgage rates affordable. Down payments for FHA mortgages can be as low as 3.5%.

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VA

Another government-insured loan program you can use for home purchase is the VA loan program. This program, backed by the Department of Veterans Affairs (VA), is open to qualifying veterans, active duty service members, and surviving spouses.

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USDA

When shopping for a home in rural Kentucky, a zero down mortgage option you can apply for is a USDA loan backed by the US Department of Agriculture (USDA).

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Conventional

Conventional loans with fixed and adjustable mortgage rates offer flexible financing options with competitive features. It is possible to obtain a conventional mortgage with a down payment as low as 3%.

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Jumbo

When the amount of financing you need exceeds the conventional loan limits, you can purchase a home in Kentucky using a jumbo mortgage.

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Bank Statement Loan

For self-employed borrowers and others with no W-2, the bank statement loan program makes it hassle-free to apply for financing.

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We Can Help You Figure Out the Most
Suitable Loan

Picking the right type of mortgage involves considering factors like your credit score, income, existing debts, employment status, and characteristics of the home you would like to buy.

It also involves thinking about the future. How long do you plan to live in the home? What mortgage rate can you afford? What about PMI?

Answering these questions on your own can be difficult, but you do not need to. The loan experts at First Savings Bank can review all of these details and questions with you to help you pick the loan which will be ideal for your needs.

A Few Reasons to Choose Us for Your Kentucky
Home Purchase Loan Needs

Our wide variety of home purchase loans means that the right loan may already be waiting for you. Give us a try to see what we can do for you.

We work hard to make down payments affordable. This might mean helping you qualify for a program like FHA or VA. Or it could mean helping you to apply for a purchase money second mortgage loan which you can use to cover your down payment. We pair you up with a solution that is right for you.

Your credit score does not need to stop you from qualifying for an affordable loan, even if it is not ideal. In fact, we offer loans specifically to help you rebuild your score while purchasing a Kentucky home.

First Savings Bank is “Where you’re always First.” That is our motto, and we live by it through every aspect of what we do. We are dedicated to making sure that you get answers to all your questions and are confident in the mortgage you choose.

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 for Your Home Purchase Loan Now Through First Savings Bank

Ready to buy your Kentucky home with a mortgage which is flexible, affordable, and ideal for your needs and goals? Please call us today at 502-238-9655 to schedule your consultation.

Get Pre-approved Today!