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Mortgage Lending


Let Our Mortgage Specialists Take the Stress Out of Home Buying!

We have some great Mortgage Loan Programs including:

  • Conventional long term fixed rate loans
  • Adjustable rate mortgage loans
  • Government loan programs including: Federal Housing Administration (FHA), Veterans Administration (VA), Rural Housing Service (RHS)
  • Kentucky Housing Corporation (KHC)
  • Down payment assistance programs
  • Jumbo loans
  • Rental property financing

In addition, we offer in-house Mortgage Loans for those who may not qualify for conventional financing. We offer:

  • Mortgage loans for primary residence and rental properties
  • Bridge loans to assist those who want to purchase a new house but have yet to sell their previous home (Variable rate, interest only due)
  • Construction loans for building or major renovation
  • Preferred Home Equity Lines of Credit
Our Local Mortgage Specialists will help you determine which program is right for you!

Loan Officers
Josh Harman, VP (859) 233-8922 MLO #339904
Kim Noble, VP (859) 233-8935 MLO #613244



Personal Loans

Whether you're buying a car, remodeling your home, or needing cash for a special occasion, a consumer loan from Bank of the Bluegrass & Trust Co. can make your life easier.

  • New and used car loans
  • Debt consolidation loans
  • Home improvement loans
  • Preferred Home Equity Lines of Credit
Loan Officers
Bobby Jones, VP (859) 233-8937 MLO #478795

BLO #421548