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Kentucky VA Loans

  • Buy a Home with 0% Down
  • Refinance to Lower Monthly Payments
  • Lower your monthly payment
  • Easy to Qualify
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Secure a VA Mortgage in Kentucky

Veterans who live in Kentucky and who wish to purchase or refinance homes can apply for funding through a Kentucky VA loan.  This loan type is backed by the Department of Veteran Affairs (VA) and is highly financially attractive to borrowers who qualify.  Veterans can save a lot of money by borrowing through the VA loan program.

Jump to: Eligibility | Loan Limits

What is the VA Loan?

The VA loan program helps veterans purchase and refinance homes.  VA loans are not provided by the VA itself.  These loans come through conventional lenders who have agreed to serve veterans under the guidelines provided by the VA.  The VA guarantees these loans, which gives lenders an incentive to offer better rates and terms to veterans.

VA Loan Benefits in Kentucky

Some of the benefits of the VA loan program are listed here.  There are other benefits as well, depending on your financial goals and your personal needs.

  • No down payment whatsoever.  You don’t need to save up a lot of cash to make your home purchase.
  • Low income levels and low credit score requirements.
  • No mortgage insurance required.  The fact that the VA guarantees the loan is enough to put lenders at ease about giving you money.
  • Different loan term lengths available.
  • No penalties for early repayment.

VA Loan Requirements and Eligibility

Eligibility for the VA loan program is not difficult to establish, but you must be a veteran.  You must have served for at least 90 consecutive days without a dishonorable discharge.  If this is true, get a certificate of eligibility from the VA office and use this certificate to prove to your lender that you qualify.  Keep in mind that the minimum qualifying credit score for VA lenders is often 620.  The VA loan specialist you work with can help you with the rest of the application process.

VA Refinance

Veterans can refinance their current mortgages through a Kentucky VA Streamline refinance, also called the VA IRRRL refinance.  This unique refinance program cuts out much of the time, paperwork, and money associated with refinancing your home.  The Streamline feature allows you to obtain a lower mortgage rate on your mortgage, which can save you a lot of money over time.

The VA Cash-Out refinance is another option, allowing borrowers to access up to 100% of their home equity, and even refinance into a VA loan if their current loan is with another insurer. 

Kentucky VA Mortgage Rates

Your mortgage rate is the price you’re paying for the VA loan itself.  With this in mind, try to find out what the lowest mortgage rates in your area are and select the lender who can offer you the best deal.  Take the time to do some research on the mortgage marketplace in Kentucky.  Contact several lenders and ask them what rates you would qualify for.

VA Lenders in Kentucky

You can fill out the form above to get in touch with up to four Kentucky VA lenders who can help you fund your loan.  These lenders will provide information about the mortgage rates, application fees, and VA loan limits associated with their loans.  If you want more information about VA loans, contact the Department of Veteran Affairs.

Kentucky Military Information

Kentucky is a state with a significant military presence.  Kentucky has 3 active military facilities.  These facilities are Fort Campbell, Fort Knox, and Blue Grass Army Depot.  Fort Knox is a major installation.  These military bases are where many Kentucky VA loan applicants live and work.

VA Loan Lending Limits in Kentucky

Below is the list of the maximum VA loan limits for counties in Kentucky:

County Loan Limit
ADAIR $417,000
ALLEN $417,000
ANDERSON $417,000
BALLARD $417,000
BARREN $417,000
BATH $417,000
BELL $417,000
BOONE $417,000
BOURBON $417,000
BOYD $417,000
BOYLE $417,000
BRACKEN $417,000
BREATHITT $417,000
BULLITT $417,000
BUTLER $417,000
CALDWELL $417,000
CALLOWAY $417,000
CAMPBELL $417,000
CARLISLE $417,000
CARROLL $417,000
CARTER $417,000
CASEY $417,000
CHRISTIAN $417,000
CLARK $417,000
CLAY $417,000
CLINTON $417,000
DAVIESS $417,000
EDMONSON $417,000
ELLIOTT $417,000
ESTILL $417,000
FAYETTE $417,000
FLEMING $417,000
FLOYD $417,000
FRANKLIN $417,000
FULTON $417,000
GALLATIN $417,000
GARRARD $417,000
GRANT $417,000
GRAVES $417,000
GRAYSON $417,000
GREEN $417,000
GREENUP $417,000
HANCOCK $417,000
HARDIN $417,000
HARLAN $417,000
HARRISON $417,000
HART $417,000
HENDERSON $417,000
HENRY $417,000
HICKMAN $417,000
HOPKINS $417,000
JACKSON $417,000
JEFFERSON $417,000
JESSAMINE $417,000
JOHNSON $417,000
KENTON $417,000
KNOTT $417,000
KNOX $417,000
LARUE $417,000
LAUREL $417,000
LAWRENCE $417,000
LEE $417,000
LESLIE $417,000
LETCHER $417,000
LEWIS $417,000
LINCOLN $417,000
LOGAN $417,000
LYON $417,000
MCCRACKEN $417,000
MCCREARY $417,000
MCLEAN $417,000
MADISON $417,000
MAGOFFIN $417,000
MARION $417,000
MARSHALL $417,000
MARTIN $417,000
MASON $417,000
MEADE $417,000
MENIFEE $417,000
MERCER $417,000
METCALFE $417,000
MONROE $417,000
MORGAN $417,000
NELSON $417,000
NICHOLAS $417,000
OHIO $417,000
OLDHAM $417,000
OWEN $417,000
OWSLEY $417,000
PENDLETON $417,000
PERRY $417,000
PIKE $417,000
POWELL $417,000
PULASKI $417,000
ROBERTSON $417,000
ROWAN $417,000
RUSSELL $417,000
SCOTT $417,000
SHELBY $417,000
SIMPSON $417,000
SPENCER $417,000
TAYLOR $417,000
TODD $417,000
TRIGG $417,000
TRIMBLE $417,000
UNION $417,000
WARREN $417,000
WAYNE $417,000
WEBSTER $417,000
WHITLEY $417,000
WOLFE $417,000
WOODFORD $417,000

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