Residential

Northpointe Bank

This lender offers lending options for conventional (20% down) loans, government guaranteed home loans (FHA/VA/USDA), and home construction loans. Get in touch with Ray Childs to learn more about how Northpointe Bank services its borrowers.

ENVOY Mortgage

This lender offers lending options for conventional (20% down) loans and government guaranteed home loans (FHA/VA/USDA). Get in touch with Brad Schooler to learn more about Envoy Mortgage and how they service their borrowers.

Land + Farms

To finance rural land for recreation, home building, or investment, there are many options of lenders. Most loans, however, will fall into the category of a balloon loan. To get started with the pre-approval process, read below and choose an option. To learn more about how land financing works click here.

Rural 1st:

This lender offers lending options for vacant land (hunting, other recreation, etc.), homes on acreage, and rural construction. They cover all of Kentucky and 25 other states. For prime borrowers, they have incredible loan programs only requiring 10%, 20% or 25% down. They also offer a unique program where you can close in 12 days for properties under $250k. You can reach out to William Kelley to learn more about the many loan options Rural1st offers.

Other Agricultural Loan Resources

If you are a farmer or intend to farm as your primary job, there are special USDA Guaranteed loans for you. See the bulleted links below for more information.

• About USDA Farm Loans

• USDA Farm Loan Discovery Tool

• First Steps for New Farmers

• Assistance with Your Farm Business Plan