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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
  • No PMI (Private Mortgage Insurance) programs with as little as 3% down
  • Programs offering annual Tax Credits of up to $2,000 annually
  • 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
  • Bluegrass Home Equity Lines of Credit
Our Local Mortgage Specialists will help you determine which program is right for you!


Apply for your Mortgage Online with Josh or Jennifer
Josh Harman, VP (859) 233-8922 MLO NMLS ID# 339904
Jennifer Frye, AVP (859) 280-3851 MLO NMLS ID# 154948

Apply Online for a Construction or Bridge Loan with Kim or Chris
Kim Noble VP (859) 233-8935 MLO NMLS ID# 613244
Chris Boaz, VP (859) 280-3840 MLO NMLS ID# 478799


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
  • Bluegrass Home Equity Lines of Credit
Loan Officers
Bobby Jones, VP (859) 233-8937 MLO NMLS ID# 478795
Kim Noble, VP (859) 233-8935 MLO NMLS ID# 613244

Bank of the bluegrass personal credit card

Personal Credit Cards

Issued by ServisFirst Bank

Choose the Personal Platinum Visa® Card that’s right for you, a Platinum Card or a Cash Back Rewards Card. Both cards offer a variable APR based on New York Prime Rate as published in the Wall Street Journal. Other benefits include:

  • No interest on purchases and balance transfers for the first 7 billing cycles.
  • EMV smart chip technology for added security.
  • Online management site
    • You can monitor recent and pending transactions, update profile information, set travel and payment alerts, view statements and set up auto pay/make payments.
  • Apply online

Platinum Card Features:

  • No annual fee
  • APR Wall Street Prime Rate +10.00%

Cash Back Rewards Card:

  • $35.00 annual fee
  • 1% cash back on all qualifying purchases with no cap-rewards will be credited to the account on the anniversary of its open date.
  • APR Wall Street Prime Rate +8.00%

Bank NMLS ID# 421548 OFFER OF CREDIT IS SUBJECT TO CREDIT APPROVAL