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