Online Banking

Contact one of our Mortgage Specialists or start your online application!

Why Choose Bank of the Bluegrass?

Jennifer Frye

Jennifer F. Frye

V.P.

Sr. Mortgage Loan Originator

Phone icon (859) 280-3851

MLO NMLS ID# 154948

Start Your Application with Jennifer Today!
Kim Noble

Kim Noble

V.P.

Consumer and Mortgage Lender

Phone icon (859) 233-8935

MLO NMLS ID# 613244

Start Your Application with Kim Today!
Chris Boaz

Chris Boaz

Senior V.P. Consumer Lending

Commercial and Mortgage Lender

Phone icon (859) 280-3840

MLO NMLS ID# 478799

Start your Application with Chris Today!

Products we proudly offer:

  • Conventional fixed rate loans for both primary residence and rental properties.
  • Government loan programs including: Federal Housing Administration (FHA), Veterans Administration (VA), Rural Housing Service (RHS).
  • DAP (Down-Payment Assistance Loan) up to $10,000.
  • Kentucky Housing Corporation (KHC)
  • Bridge loans, construction loans and home equity lines of credit (HELOC).

 

We also offer a MD Loan Program which is a specialized program for medical professionals purchasing a new primary residence on no more than ten acres of land.

Program benefits include:

  • Maximum of 100% financing for purchases and rete/term refinances. * (Does not include closing costs.)
  • Private Mortgage Insurance (PMI) is not required.
  • Complimentary quarterly review with a private mortgage consultant.

Financing Maximums: 100% financing for loans up to $750,000, 95% financing for loans up to $1.25 Million, and 89% financing for loans up to $1.75 Million.

*For medical professionals with the following designations: M.D., D.M.D., O.D., D.V.M., or D.O. Subject to program changes. Properties are required to be within the Bank’s trade areas of Fayette, Woodford, Scott, Clark, Bourbon, Jessamine and Madison Counties. 

 

couple dreaming under the outline of a house
 

Ready to get started?

Have available:

  1. Homebuyer personal information
  2. 2 years employment and income history
  3. 2 years of residence history
  4. Asset and down-payment details

Along with your completed application, provide the following documentation:

  1. The most recent 2 paystubs
  2. The most recent 2 months bank statements
  3. The most recent 2 tax returns
  4. Pictures of borrower(s) Driver License

Work with a local lender at “The Best Bank in Town®”!

 
Offer of credit on all loans is subject to credit approval. Bank NMLS ID# 421548

Now you can save money on your next home purchase or refinance!


Open a NEW Bank of the Bluegrass

checking account* with direct deposit to

SAVE $500**

IN CLOSING COSTS

on your Bank of the Bluegrass

Mortgage Loan***.

 

*Offer is not available to existing Bank of the Bluegrass checking account customers with existing direct deposit. New Bank of the Bluegrass checking accounts are subject to approval. Deposit of $100.00 or more required at account opening. Direct deposit must be an electronic deposit of your paycheck, pension or government benefits and originate from your employer or the government. Direct deposit must be received prior to your mortgage closing date.

**Per investor pricing guidelines on limited cash out refinances, borrower may receive up to but not to exceed $2,000 cash back at closing. If the combinations of cash back + $500 credit exceeds $2,000, credit will be reduced such that the combination thereof does not exceed the maximum allowable amount of $2,000.

***This special offer only applies to closed end mortgage loan programs, excluding Kentucky Housing Loans used to purchase or refinance 1-4 family primary residences.

Click Here to explore our Personal Checking account choices.

 

Offer of credit on all loans is subject to qualification, approval and closing. Bank NMLS ID# 421548