Home Loans

Home Loans at Traditional Bank.Whether you're buying your first house, building one, or refinancing, nobody understands the importance of home better than a local bank. At Traditional Bank, we have a mortgage solution for you, with loans for all income levels. We also offer financing for investment properties.

Plus, you’ll always feel right at home. We’ll help you every step of the way through the home financing process. You’ll be less stressed, more informed and ready to move before you know it.

Our mortgage lenders are excited to help local residents in Central and Eastern Kentucky with home buying and refinance. Want to get a head start? Click the button below to download a residential mortgage loan application. Click here to view our NMLS lender directory and contact a mortgage lender in your neighborhood. They’ll be happy to listen, answer questions, and help you move forward with the application process.

Loan Application

Product Offerings

  • Fixed Rate Mortgages

    Features predictable and steady monthly payments with flexible loan terms

    Great if you are…

    • planning to be in your home for awhile
    • searching for a mortgage that has a monthly payment you can rely on
    • not wanting principal and interest payment to change over the life of the loan
    • looking for flexible terms
  • Adjustable Rate Mortgage

    Offers flexibility and initial lower payments and interest rates

    Great if you are…

    • planning to be in your home short term
    • expecting interest rates to remain stable or decline
    • wanting a lower initial monthly payment and don’t mind a variable interest rate
    • looking for flexible terms
  • FHA Loan

    A popular choice if you want to refinance or purchase a home with low down payment.

    Great if you are…

    • planning to be in your home for awhile
    • looking for a monthly payment you can rely on
    • not wanting principal and interest payment to change over the life of the loan
  • VA Loan

    For Veterans looking for a mortgage loan to buy a home, refinancing a non-VA loan to a VA loan or wanting to cash out refinance VA mortgage loan.

    Great if you are…

    • US Military Veteran
    • currently serving in the military or military reserves/guard
    • looking for little to no down payment
    • wanting fixed interest rate and flexible loan terms
  • USDA Rural Development Loan

    Established in 1991 by the US Department of Agriculture (USDA) rural development loans are designed to help medium income American's buy a home in rural and suburban communities.

    Great if you are…

    • looking for no money down
    • searching for low interest rates
    • wanting 30 year fixed rates
    • needing flexible credit guidelines
    • hoping to roll your closing costs into the loan
  • Doctors’ Only Loan

    Available for doctors with the designation of M.D. (Doctor of Medicine), D.O. (Doctor of Osteopathic Medicine), D.D.S. (Doctor of Dental Surgery), D.M.D. (Doctor of Medicine in Dentistry), D.V.M. (Doctor of Veterinary Medicine).

    • 10/1 ARM (Adjustable Rate Mortgage) Loan
    • Finance up to $750,000 (maximum loan amount) with 3% down payment
    • A consumer purpose loan secured by a primary dwelling
    • No Private Mortgage Insurance (PMI) required
    • No Prepayment Penalty-Loan can be paid off at any time at no cost
  • Home Equity Loan

    At Traditional Bank we’ve made borrowing on your home's equity more flexible and customized for your individual needs. Our local decision making simplifies the borrowing process for home improvements, debt consolidation, or financing for major purchases.