Kentucky Conventional Loan Built on Real Numbers
A Kentucky Conventional Loan is shaped around your file - 3% down for qualified buyers, conforming math, PMI rules. We run the numbers honestly before any commitment, not a generic pitch.
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Why Conventional Fits Most Kentucky Files
3% Down Conventional in Kentucky
The 3% minimum is real but gated by credit and income. HomeReady and Home Possible open 3% to qualified files - we verify eligibility first.
Kentucky Rate Comparison: Conventional vs FHA
Conventional rates for qualified buyers often beat FHA once mortgage insurance is included. We model all options against your file before recommending anything.
PMI Cancels at 80 Percent on Kentucky Loans
PMI applies when you put less than 20% down, but it doesn't stay forever. Cancellation comes automatically at 78% LTV or earlier at 80% via appraisal.
Our Rates For You
CONV 30 Year Purchase
Rates and APR shown are based on a $350,000 loan amount, 850 credit score, primary residence, single family home, 75% loan to value ratio, and owner occupied property. Payment example assumes no other liens on the property and includes principal and interest only. Taxes, insurance, mortgage insurance, and escrow items are not included and will increase the actual payment. Rates, APR, and points are subject to change without notice and may vary based on credit profile, property type, occupancy, loan to value, loan amount, and other qualifying factors. Not all borrowers will qualify.
Your Kentucky Conventional Roadmap
Three Real Wins From a Kentucky Conventional Loan
Kentucky Loan Amounts Within Conforming Limits
Conventional loans run within FHFA's annual conforming limits. Limits cover most purchase prices today. We confirm whether your target falls within conforming, high-balance, or jumbo before quoting. Each tier has different rate and program rules.
Kentucky Rate Structure Options
Conventional offers standard 30-year and 15-year fixed plus 5/6, 7/6, and 10/6 ARMs. Long stays favor fixed. Short stays often favor ARM. We model both against your specific timeline before any recommendation.
Primary, Second Home, and Investment Eligible in Kentucky
Conventional loans cover primary residences, second homes, and investment properties. Each property type has its own rules. Primary starts at 3% for qualified buyers. Second home: 10% minimum. Investment: 15-25% down with rate hits.
$810M
18 Years
27500+
Conventional vs Other Loans
Conventional
FHA
VA
USDA
For homes beyond standard loan limits.
High value homes should not mean high stress financing. A conventional loan with jumbo options offers competitive rates, simple terms, and a clear path to purchase without compromise.
What could you afford with a conventional loan
Before you fall for a listing, see how the math feels. Use the calculator to test price, down payment, and taxes for your county. You will know what is comfortable before you schedule tours.
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A Kentucky Conventional Loan is funded privately under Fannie Mae or Freddie Mac rules - no government backing. Credit, down payment, and DTI determine terms. The 30-year fixed dominates Kentucky files.
The minimum is 3% for qualified first-time buyers through HomeReady or Home Possible programs. Standard conventional purchases need 5% minimum. 20% down kills PMI entirely. We model 3%, 5%, 10%, and 20% on your file before recommending.
Yes, 620 is the typical conventional loan credit floor. Lender overlays sometimes push it to 640 or 660. Below 620, FHA usually wins. We pull credit on day one and walk through which programs your score allows.
PMI cancels automatically at 78% of original loan-to-value, assuming on-time payments. Borrower-requested cancellation at 80% based on current value (appraisal required). Once cancelled, PMI never returns - FHA MIP usually does not cancel.
Fixed rate stays the same for the loan life. ARM starts lower, then adjusts after 5, 7, or 10 years. Fixed favors long-term holds. ARM favors plans to sell or refinance before the initial period ends.
The 2026 conforming loan limit follows the FHFA standard of $806,500 for single-family homes in most counties. Above standard, loans become jumbo with different underwriting and rate structures. We confirm where your loan falls before quoting.
Yes, conventional loans cover primary, second home, and investment properties. Primary at 3% for qualified buyers. Second home: 10% minimum. Investment: 15-25% with rate hits. We confirm your scenario before quoting any number.
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Advertised offers are not guaranteed if you do not continue to meet Oxford Home Lending's criteria and other factors bearing on your creditworthiness. Rates will vary depending on your loan term, loan type, credit profile & score, down payment, qualifying ratios, and property collateral. Monthly payments do not include property taxes, property insurance, and homeowners' association dues. Since costs can vary based on a loan program, closing costs are not shown in the examples. To qualify for a mortgage, borrowers must be U.S. citizens or permanent residents, and meet Oxford Home Lending's underwriting and Investor requirements. Interest rate examples are as of 03/03/2026 and subject to change without notice. All loans are subject to underwriting or investor approval. Other restrictions may apply. This is not an offer of credit or a commitment to lend. Rate subject to change depending on time of lock.
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Lower, LLC | NMLS ID# 1124061 | 5950 Symphony Woods Road Suite 312 Columbia, MD 21044 | Equal Housing Opportunity | https://nmlsconsumeraccess.org/ | Not an offer of credit or commitment to make a loan; all approvals are subject to underwriting guidelines including but not limited to acceptable current credit worthiness, income history, debt ratio, etc. Loan programs & options are subject to change at any time. Rates will vary depending on your loan term, loan type, credit profile, down payment, and qualifying ratios. Rates can change daily. Some restrictions may apply. No statement herein should be construed as being made on behalf of any state or federal agency.
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