Kentucky VA Loans
- Buy a Home with 0% Down
- Refinance to Lower Monthly Payments
- Lower your monthly payment
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Secure Form Privacy Policy | Terms of UseSecure a VA Mortgage in Kentucky
Veterans who live in Kentucky and who wish to purchase or refinance homes can apply for funding through a Kentucky VA loan. This loan type is backed by the Department of Veteran Affairs (VA) and is highly financially attractive to borrowers who qualify. Veterans can save a lot of money by borrowing through the VA loan program.
Jump to: Eligibility | Loan Limits
What is the VA Loan?
The VA loan program helps veterans purchase and refinance homes. VA loans are not provided by the VA itself. These loans come through conventional lenders who have agreed to serve veterans under the guidelines provided by the VA. The VA guarantees these loans, which gives lenders an incentive to offer better rates and terms to veterans.
VA Loan Benefits in Kentucky
Some of the benefits of the VA loan program are listed here. There are other benefits as well, depending on your financial goals and your personal needs.
- No down payment whatsoever. You don’t need to save up a lot of cash to make your home purchase.
- Low income levels and low credit score requirements.
- No mortgage insurance required. The fact that the VA guarantees the loan is enough to put lenders at ease about giving you money.
- Different loan term lengths available.
- No penalties for early repayment.
VA Loan Requirements and Eligibility
Eligibility for the VA loan program is not difficult to establish, but you must be a veteran. You must have served for at least 90 consecutive days without a dishonorable discharge. If this is true, get a certificate of eligibility from the VA office and use this certificate to prove to your lender that you qualify. Keep in mind that the minimum qualifying credit score for VA lenders is often 620. The VA loan specialist you work with can help you with the rest of the application process.
VA Refinance
Veterans can refinance their current mortgages through a Kentucky VA Streamline refinance, also called the VA IRRRL refinance. This unique refinance program cuts out much of the time, paperwork, and money associated with refinancing your home. The Streamline feature allows you to obtain a lower mortgage rate on your mortgage, which can save you a lot of money over time.
The VA Cash-Out refinance is another option, allowing borrowers to access up to 100% of their home equity, and even refinance into a VA loan if their current loan is with another insurer.
Kentucky VA Mortgage Rates
Your mortgage rate is the price you’re paying for the VA loan itself. With this in mind, try to find out what the lowest mortgage rates in your area are and select the lender who can offer you the best deal. Take the time to do some research on the mortgage marketplace in Kentucky. Contact several lenders and ask them what rates you would qualify for.
VA Lenders in Kentucky
You can fill out the form above to get in touch with up to four Kentucky VA lenders who can help you fund your loan. These lenders will provide information about the mortgage rates, application fees, and VA loan limits associated with their loans. If you want more information about VA loans, contact the Department of Veteran Affairs.
Kentucky Military Information
Kentucky is a state with a significant military presence. Kentucky has 3 active military facilities. These facilities are Fort Campbell, Fort Knox, and Blue Grass Army Depot. Fort Knox is a major installation. These military bases are where many Kentucky VA loan applicants live and work.
VA Loan Lending Limits in Kentucky
Below is the list of the maximum VA loan limits for counties in Kentucky:| County | Loan Limit |
|---|---|
| ADAIR | $417,000 |
| ALLEN | $417,000 |
| ANDERSON | $417,000 |
| BALLARD | $417,000 |
| BARREN | $417,000 |
| BATH | $417,000 |
| BELL | $417,000 |
| BOONE | $417,000 |
| BOURBON | $417,000 |
| BOYD | $417,000 |
| BOYLE | $417,000 |
| BRACKEN | $417,000 |
| BREATHITT | $417,000 |
| BRECKINRIDGE | $417,000 |
| BULLITT | $417,000 |
| BUTLER | $417,000 |
| CALDWELL | $417,000 |
| CALLOWAY | $417,000 |
| CAMPBELL | $417,000 |
| CARLISLE | $417,000 |
| CARROLL | $417,000 |
| CARTER | $417,000 |
| CASEY | $417,000 |
| CHRISTIAN | $417,000 |
| CLARK | $417,000 |
| CLAY | $417,000 |
| CLINTON | $417,000 |
| CRITTENDEN | $417,000 |
| CUMBERLAND | $417,000 |
| DAVIESS | $417,000 |
| EDMONSON | $417,000 |
| ELLIOTT | $417,000 |
| ESTILL | $417,000 |
| FAYETTE | $417,000 |
| FLEMING | $417,000 |
| FLOYD | $417,000 |
| FRANKLIN | $417,000 |
| FULTON | $417,000 |
| GALLATIN | $417,000 |
| GARRARD | $417,000 |
| GRANT | $417,000 |
| GRAVES | $417,000 |
| GRAYSON | $417,000 |
| GREEN | $417,000 |
| GREENUP | $417,000 |
| HANCOCK | $417,000 |
| HARDIN | $417,000 |
| HARLAN | $417,000 |
| HARRISON | $417,000 |
| HART | $417,000 |
| HENDERSON | $417,000 |
| HENRY | $417,000 |
| HICKMAN | $417,000 |
| HOPKINS | $417,000 |
| JACKSON | $417,000 |
| JEFFERSON | $417,000 |
| JESSAMINE | $417,000 |
| JOHNSON | $417,000 |
| KENTON | $417,000 |
| KNOTT | $417,000 |
| KNOX | $417,000 |
| LARUE | $417,000 |
| LAUREL | $417,000 |
| LAWRENCE | $417,000 |
| LEE | $417,000 |
| LESLIE | $417,000 |
| LETCHER | $417,000 |
| LEWIS | $417,000 |
| LINCOLN | $417,000 |
| LIVINGSTON | $417,000 |
| LOGAN | $417,000 |
| LYON | $417,000 |
| MCCRACKEN | $417,000 |
| MCCREARY | $417,000 |
| MCLEAN | $417,000 |
| MADISON | $417,000 |
| MAGOFFIN | $417,000 |
| MARION | $417,000 |
| MARSHALL | $417,000 |
| MARTIN | $417,000 |
| MASON | $417,000 |
| MEADE | $417,000 |
| MENIFEE | $417,000 |
| MERCER | $417,000 |
| METCALFE | $417,000 |
| MONROE | $417,000 |
| MONTGOMERY | $417,000 |
| MORGAN | $417,000 |
| MUHLENBERG | $417,000 |
| NELSON | $417,000 |
| NICHOLAS | $417,000 |
| OHIO | $417,000 |
| OLDHAM | $417,000 |
| OWEN | $417,000 |
| OWSLEY | $417,000 |
| PENDLETON | $417,000 |
| PERRY | $417,000 |
| PIKE | $417,000 |
| POWELL | $417,000 |
| PULASKI | $417,000 |
| ROBERTSON | $417,000 |
| ROCKCASTLE | $417,000 |
| ROWAN | $417,000 |
| RUSSELL | $417,000 |
| SCOTT | $417,000 |
| SHELBY | $417,000 |
| SIMPSON | $417,000 |
| SPENCER | $417,000 |
| TAYLOR | $417,000 |
| TODD | $417,000 |
| TRIGG | $417,000 |
| TRIMBLE | $417,000 |
| UNION | $417,000 |
| WARREN | $417,000 |
| WASHINGTON | $417,000 |
| WAYNE | $417,000 |
| WEBSTER | $417,000 |
| WHITLEY | $417,000 |
| WOLFE | $417,000 |
| WOODFORD | $417,000 |
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