Kentucky Mortgage Rates August 2020

Kentucky Mortgage Rates - Refinance Rates:

Search and compare mortgage rates and refinance rates in Kentucky. Our rate table has a list of Kentucky mortgage rates and mortgage refinance rates. You can also use our free mortgage calculator to calculate monthly mortgage payments.

When you start your search for current mortgage rates in Kentucky you need to first have an understanding of the types of mortgages available and their corresponding interest rates. Types of rates available in Kentucky include conforming mortgage rates, super conforming rates, jumbo rates, adjustable rates, HELOC rates and home equity loan rates. There are variations of each type of mortgage available in Kentucky listed below.

Loan Type Purchase Refinance	Location State/City Zip Code	Loan Amt	Points	FICO	% Down
		$

in 40601, All points, 740 Sort by:

Lender

APR

Rate

Cost & Fees

Notes

NMLS # 3030

3.943%

08/14/2020

3.490%

at 2.000 pts
45 day lock rate

Est payment: $1,346

Fees in APR: $17,150

From the lender: We can close your loan in less than a month!

NMLS # 408969

3.138%

08/14/2020

2.750%

at 1.500 pts
30 day lock rate

Est payment: $1,225

Fees in APR: $15,334

The loan approval process has never been as easy.

NMLS # 408969

3.776%

08/14/2020

3.375%

at 1.500 pts
30 day lock rate

Est payment: $1,327

Fees in APR: $15,256

The loan approval process has never been as easy.

NMLS # 408969

2.935%

08/14/2020

2.500%

at 2.250 pts
30 day lock rate

Est payment: $1,186

Fees in APR: $17,440

The loan approval process has never been as easy.

NMLS # 408969

2.728%

08/14/2020

2.250%

at 2.875 pts
30 day lock rate

Est payment: $1,147

Fees in APR: $19,489

The loan approval process has never been as easy.

NMLS # 1717824

0.000%

08/14/2020

0.000%

at 0.000 pts
0 day lock rate

Est payment:

Fees in APR:

Apply online in minutes and close in days, not months.

NMLS # 1907

0.000%

08/14/2020

0.000%

at 0.000 pts
0 day lock rate

Est payment:

Fees in APR:

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NMLS # 408969

3.353%

08/14/2020

3.000%

at 1.000 pts
30 day lock rate

Est payment: $1,265

Fees in APR: $13,720

The loan approval process has never been as easy.

NMLS # 3030

3.178%

08/14/2020

2.990%

at 2.000 pts
45 day lock rate

Est payment: $1,264

Fees in APR: $7,250

From the lender: We can close your loan in less than a month!

NMLS # 1717824

2.753%

08/14/2020

2.625%

at 1.000 pts
30 day lock rate

Est payment: $1,205

Fees in APR: $5,550

Put your money where you need it sooner.

NMLS # 408969

2.910%

08/14/2020

2.875%

at 0.125 pts
30 day lock rate

Est payment: $1,245

Fees in APR: $1,370

The loan approval process has never been as easy.

NMLS # 1717824

3.179%

08/14/2020

3.125%

at 0.000 pts
30 day lock rate

Est payment: $1,286

Fees in APR: $2,550

Put your money where you need it sooner.

NMLS # 408969

2.727%

08/14/2020

2.625%

at 1.000 pts
30 day lock rate

Est payment: $1,205

Fees in APR: $3,995

The loan approval process has never been as easy.

NMLS # 3030

3.488%

08/14/2020

3.375%

at 1.000 pts
45 day lock rate

Est payment: $1,327

Fees in APR: $4,250

From the lender: We can close your loan in less than a month!

NMLS # 1717824

2.702%

08/14/2020

2.500%

at 2.000 pts
30 day lock rate

Est payment: $1,186

Fees in APR: $8,550

Put your money where you need it sooner.

NMLS # 408969

2.629%

08/14/2020

2.500%

at 1.375 pts
30 day lock rate

Est payment: $1,186

Fees in APR: $5,120

The loan approval process has never been as easy.

NMLS # 408969

3.016%

08/14/2020

3.000%

at -0.125 pts
30 day lock rate

Est payment: $1,265

Fees in APR: $620

The loan approval process has never been as easy.

Data provided by Informa Research Services. Payments do not include amounts for taxes and insurance premiums. Click here for more information on rates and product details.

Kentucky Conforming Mortgage Rates

Conforming mortgage rates are rates on mortgages that meet the criteria set out by the Federal Housing Finance Agency. There are limits set for each county of Kentucky. There are higher mortgage loan limits for designated high-cost areas, like on the coasts and in large cities.

Kentucky mortgages that “conform” to the standards set out by the Federal Housing Finance Agency can be purchased by Freddie Mac and Fannie Mae. This process guarantees banks are able to resell Kentucky mortgage loans that have been made. As a result, Kentucky mortgage rates today are lower than jumbo interest rates in Kentucky. Conforming mortgages and jumbo mortgages are available in terms of 40 years, 30 years, 25 years, 20 years, 15 years and 10 years.

Kentucky Super Conforming Home Loan Rates

Super conforming mortgages in Kentucky are mortgages that have higher mortgage loan amounts but still “conform” to the standards set by the Federal Housing Finance Agency. Super conforming mortgages are available for the higher cost housing areas like the coasts and in large cities.

Kentucky Jumbo Loan Interest Rates

Kentucky jumbo mortgage rates are rates for mortgage loans that have a dollar amount higher than conforming and super conforming loan amounts. Jumbo home loan rates in Kentucky are usually 0.75 basis points higher than conforming mortgage rates in Kentucky because there is no guarantee banks and credit unions can sell these mortgages after they make the loans.

Kentucky Fixed Rate Mortgages

Fixed rate mortgages are the most common mortgage available in Kentucky. The mortgage rate and the monthly payment stay the same for the entire life of the mortgage loan. This makes fixed rate mortgages the most stable and predictable for mortgagees.

Kentucky Adjustable Interest Rates

Kentucky adjustable mortgages have a fixed mortgage rate for a certain number of years and then the mortgage rate adjusts every year after the initial period. There are usually yearly caps and life time caps on how much the mortgage interest rate and fluctuate. Your monthly mortgage payment will be lower at first but can rise when mortgage rates rise. Adjustable mortgages are available in terms of 1 year, 3 years, 5 years, 7 years and 10 years.

Kentucky Interest Only Home Mortgage Rates

Kentucky interest only mortgages are mortgages that the borrower pays only the interest on the principal balance or a set period of time. After the initial period the mortgagee pays both interest and principal. Interest only (IO) mortgages were popular during the housing boom.

Kentucky FHA Mortgage Mortgage Rates

Borrowers in Kentucky must meet certain requirements established by FHA to qualify for a mortgage insured by the FHA. FHA mortgage interest rates in Kentucky are usually lower than conforming mortgage interest rates because mortgage lenders bear less risk because FHA will pay the lender if a homeowner defaults on his or her mortgage loan.

Kentucky Rates & Resources

Kentucky Savings Rates
Kentucky CD Rates

Kentucky Mortgage Rates August 2020

Kentucky Mortgage Rates - Refinance Rates:

Kentucky Conforming Mortgage Rates

Kentucky Super Conforming Home Loan Rates

Kentucky Jumbo Loan Interest Rates

Kentucky Fixed Rate Mortgages

Kentucky Adjustable Interest Rates

Kentucky Interest Only Home Mortgage Rates

Kentucky FHA Mortgage Mortgage Rates

Kentucky Rates & Resources

Cities in Kentucky

Aberdeen

Adairville

Adams

Adolphus

Ages Brookside

Albany

Alexandria

Allegre

Allen

Allensville

Almo

Alpha

Alvaton

Annville

Argillite

Arjay

Arlington

Artemus

Ary

Ashcamp

Asher

Ashland

Athol

Auburn

Augusta

Austin

Auxier

Avawam

Bagdad

Bakerton

Bandana

Banner

Barbourville

Bardstown

Bardwell

Barlow

Baskett

Battletown

Baxter

Bays

Bear Branch

Beattyville

Beaumont

Beauty

Beaver

Beaver Dam

Bedford

Bee Spring

Beech Creek

Beech Grove

Beechmont

Belcher

Belfry

Bellevue

Belton

Benham

Benton

Berea

Berry

Bethany

Bethelridge

Bethlehem

Betsy Layne

Beverly

Bevinsville

Big Clifty

Big Creek

Big Laurel

Big Spring