Skip Navigation Download Adobe® Acrobat Reader to view Portable Document Format (PDF).
Kentucky Farmers Bank
Couple walking on sidewalk


Choosing A mortgage 

Whatever your financial need, "The Better Bank" has a mortgage for you. Kentucky Farmers Bank is the only bank still locally owned in Boyd County, which means, we make all our decisions in-house and never sell your loan to some unknown, out-of-town office. If you're ready to buy, we're ready to loan. Let's get started by choosing the right loan for you.

Try our Loan Calculator to better understand what you can afford or download Your Home Loan Toolkit PDF for more information about the home-buying process! 


1st Time Home Buyer Mortgage

Getting a home loan can seem intimidating to first time buyers. At KFB, we keep it simple, making it a positive and exciting experience. We offer:
  • Fixed rates - you're rate will never change!
  • No PMI - this means you won't have to pay the costly insurance typically associated with mortgages that have less than a 20% down payment. 
  • Options for down payments as small as 5% of the purchase price!
  • Minimum 680 credit score required.
  • Maximum 36% debit-to-income ratio. Try our Debt-to-Income Ratio calculator.
  • Low closing costs!

Preferred Mortgage

We want to be your financial partner for the life of your mortgage and long after. Our Preferred Mortgage program is intended for customers who want the best bang for their buck, offering:
  • Fixed rates - you're rate will never change!
  • 20% down payment 1
  • Low closing costs!
  • Quick closings.

Ready to Buy?

Download the PDF application and complete for a KFB Mortgage! 
When you have completed your application you may email it to one of our Lenders, bring it to one of our  locations, or mail or fax it to:
Kentucky Farmers Bank
6313 US RT 60
Ashland KY 41102
Fax: 606-928-3690

You will need Acrobat Reader to view the application. If you do not have Acrobat Reader installed you may download it now for free.
1 Based on the sale price or the appraisal value - whichever is the lesser amount.