VA Loans
in Kentucky

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In the more than 70 years since the VA loan program was established, more than 22 million qualifying homebuyers have used it to obtain affordable financing.

Will you be the next veteran or active duty service member to take advantage of these great benefits? Read on to learn more about the VA mortgage program in Kentucky.


What are Kentucky VA Loans?

The Department of Veterans Affairs (VA) insures home loans through the VA loan program. These loans are available to veterans, active duty service members, and surviving spouses that meet the eligibility criteria.

The advantage of having the VA backing your loan is that the insurance on the mortgage offsets risk factors in your borrower profile, qualifying you for affordable interest rates and other exclusive benefits.

Benefits of VA Mortgages in Kentucky

Kentucky VA loans have the following benefits:

You do not need to make any down payment to move into a home with a VA loan.

Mortgage rates for VA loans are generally affordable, even if you do choose zero down.

A perfect credit score is not necessary to obtain a VA mortgage and all of the benefits which go with one.

For qualified disabled veterans, the funding fee for a VA mortgage can be waived.

The seller may cover the closing costs, or they will be affordably capped.

Private mortgage insurance (PMI) is not a requirement for a VA mortgage.

Choosing to pay off your mortgage early is always an option with a VA home loan, as there are no prepayment penalties.

Looking for a loan not for home purchase, but for repairs, upgrades or construction?
The VA insures mortgages for these purposes as well, and also backs refinance loans.

Are You Eligible for a VA Loan in Louisville?

Determining eligibility for a VA mortgage can be complicated since minimum service requirements are based on the time period when you were active. While there are exceptions, the minimum requirement for most eras is 90 days of wartime service or 181 days of peacetime service. It does not matter what branch of the military you served in. All are eligible. So are the Reserve and National Guard. You can be active duty now and qualify for a VA mortgage. You can also be a retired veteran and be eligible. Some surviving spouses may be able to obtain a VA home loan as well. Your VA mortgage benefits never expire, and can be used as many times as you wish. With a foreclosure or bankruptcy on your record, you may also still obtain a VA mortgage after the waiting period passes.

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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Use Your VA Benefits to Purchase a Home in Kentucky Affordably Today

VA mortgages are among the most affordable and flexible in existence. So if you think there may be a chance that you are eligible, it is worth it to find out. To discover if you qualify, please call 502-238-9655 to apply for a VA loan now.

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