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Kentucky Mortgage Rates

Updated: April 26, 2017

Compare today's rates for Mortgage Refinance in KY

Loan Program
Loan Amount
Loan Type:
Credit Score


30 Year Fixed
3.875% Rate $941/mo
  • Updated April 26, 2017
  • Certified Upfront Lender! Online Good Faith Est! Apply & Lock Rate 24/7!


30 Year Fixed
3.990% Rate $954/mo
  • Updated April 26, 2017
  • Skip the salesman. Keep the commission! View and lock your rate online.


30 Year Fixed
4.500% Rate $1,014/mo
  • Updated April 26, 2017
  • A+ Rating with the Better Business Bureau


30 Year Fixed
4.000% Rate $955/mo
  • Updated April 26, 2017
  • Competitive rates and fees: No fancy branches = savings passed on to you!
  • Excellent service: We can assist you every step along the way.
  • Credible: FDIC Insured Bank, A+ rating with Better Business Bureau. NMLS 424182


30 Year Fixed
3.875% Rate $940/mo
  • Updated April 26, 2017
  • $1,000 Best Rate Guarantee
  • Get online rates, payments and a Good Faith Estimate
  • Skip the salesman. Keep the commission!


30 Year Fixed
4.250% Rate $984/mo
  • Updated April 26, 2017
  • Direct Mortgage Lender. NMLS #1168
  • State License #MC19732
  • Apply Online. Quick Prequalification.


30 Year Fixed
4.500% Rate $1,014/mo
  • Updated April 26, 2017
  • Refinance to a get a lower payment, cash back or a faster payoff.
  • Rates are still low, but they may rise. Lock your rate today.
  • We have the right loans for first-time and experienced home buyers.


30 Year Fixed
4.375% Rate $999/mo
  • Updated April 26, 2017
  • Fast, Powerful and Completely Online
  • Get an approval to buy a home or refinance your mortgage in minutes.
  • Save time & avoid paperwork by sharing your financial info instantly.

Mortgage rates for Kentucky go up to 4.17%

Wednesday, April 26, 2017

Mortgage rates for Kentucky on Lender411 for 30-year fixed-rate mortgages are at 4.17%. That increased from 4.08% to 4.17%. The 15-year fixed rates are now at 3.13%. The 5/1 ARM mortgage for Kentucky is now at 3.13%.

If you are looking for up to the minute Kentucky mortgage rates, you’ve come to the right place.  Finding the lowest rates is easy when you have access to our vast network of trusted mortgage professionals in Kentucky. Talk to multiple mortgage lenders in KY to compare rate quotes and understand your options.

Kentucky Mortgage Refinance

Why is it critical to find the lowest rate when refinancing?  Simply put, this is the entire goal of a refinance.  The lower your new rate, the more money you’ll save. While there are many ways to secure a refinance loan, the best option is the no cost refi, which allows you to switch to a new mortgage with a lower rate without paying the fees associated with closing a new loan.  This can literally save you thousands of dollars.

Home Loans in Kentucky

The loan types available in Kentucky are much like those available elsewhere.  One of the most widely available mortgage loan types is the 30 year fixed rate mortgage.  As the name implies, this loan comes with a fixed interest rate.  This is considered the most financially sound mortgage by many borrowers. Some opt for the 15-year fixed option.

The adjustable rate mortgage (ARM) is another common loan type.  You can also pursue a jumbo loan, interest-only loan, balloon mortgage, or other specialized loan type.  Whether or not one of these loans fits you will depend entirely on your needs and the requirements of your lender.  Government backed loans, such as the FHA loan and the VA loan, are available to those who qualify.

Kentucky Flag

About Kentucky

Kentucky is sometimes considered part of the Midwest and sometimes considered part of the South. It sports the best features of both areas.  Kentucky is called the "Bluegrass State" after the abundance of blue grass that grows throughout the region. Kentucky is also well known for thoroughbred horses and horse racing, including the Kentucky Derby, college basketball, bourbon distilleries, automobile manufacturing and bluegrass music.

The largest city in Kentucky is Louisville, which has over half a million residents.  Lexington is the second largest city, with Bowling Green, Owensboro, Ashland, and Paducah rounding out the list of other major cities.  If lovely natural surroundings with excellent business opportunities are what you’re looking for, you might want to consider being a homeowner in Kentucky.

 To learn more about homeownership in Kentucky or research KY home buying programs, visit the Kentucky HUD portal.

Follow these links to learn more about Kentucky mortgages.

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user suit Lenders in: Kentucky.

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