Skip to content

Home Mortgage Loans

Since our founding, we've worked to make home ownership affordable for the communities we serve. That mission continues to this day with our competitive-rate home mortgage loans.

Because we're here in Covington, our lenders are familiar with the local real estate market. We'll work closely with you, and establish terms tailored to your situation. Choose from a variety of options, and finance your dream home today.

If a traditional home mortgage is out of your reach — don’t despair. You may be eligible for a government-backed loan with unique benefits. We offer an array of options for veterans, first-time buyers, and more.

  • For homebuyers looking for their main home or alternative financing 
  • May qualify for the lowest mortgage rates
  • Competitive rates for home purchase and refinance
  • Flexible terms tailored to your situation
  • Pre-qualification available
  • All primary home mortgage decisions made locally
  • Experienced lenders with knowledge of the local real estate market

Visit our Mortgage Center to learn more about the home financing options we offer.

We offer a variety of financing options to meet your home mortgage loan needs. Speak to one of our friendly mortgage professionals to determine which loan option may be right for you — contact us today.

  • Fixed rate mortgages
  • Second mortgages
  • Renewable mortgages
  • Fixed-rate jumbo loans
  • Conventional loans
    • These loans usually require a low down payment of your own funds to purchase a home. However, for any conventional loan with less than 20% down, you will be subject to mortgage insurance on the loan. There are a couple of ways that the mortgage insurance can be paid. It can be a monthly charge on the loan or you can pay it in a lump sum upfront. The upfront lump sum can be a great option if you are purchasing a home and the seller is covering your closing costs.

  • FHA loans 
    • FHA loans have been helping people become homeowners since 1934. The Federal Housing Administration (FHA) — which is part of HUD — insures the loan, so your lender can offer you a better deal. With low down payments, low closing costs, and easy credit qualifying, an FHA loan may be right for you. Ideal for first-time homebuyers, or buyers with limited fund. 

  • VA loans
    • With no down payment required, eligible veterans, active-duty personnel, national guard and surviving spouses can purchase or refinance a home. In addition, private mortgage insurance is not required. With a Certificate of Eligibility from the Department of Veterans Affairs, you can purchase or refinance a home with limited closing costs and flexible credit criteria. Up to 100% financing for veterans of the U.S. Military. 

  • USDA loans
    • Are you ready to own a home but concerned you won't qualify because of the down payment? Rural Development may be able to help you. USDA (Rural Development) has partnered with local lenders to help them extend 100% financing opportunities to individuals and families. 

  • Loan programs that avoid PMI, with no rate increase for those who qualify