Licensed in Kentucky
Kentucky is where Hillary is licensed, and it is a state where the right loan program matters more than the last eighth of a point on the rate. Between two major army posts and some of the widest USDA eligibility in the country, a lot of Kentucky buyers qualify for financing with no down payment at all.
Working across Louisville, Lexington, Bowling Green, Northern Kentucky, Owensboro, Elizabethtown and the rest of Kentucky.
Two of the army's larger installations sit in Kentucky, and the housing markets around Elizabethtown, Radcliff and the Tennessee line move on PCS cycles rather than the calendar. VA financing is zero down with no monthly mortgage insurance, the entitlement can be reused, and it can often be assumed by a future buyer — which becomes a real selling point when rates are higher than the one you locked.
If you are buying in Covington, Newport, Florence or Fort Mitchell you are shopping the Cincinnati metro but financing under Kentucky law, with Kentucky property taxes and Kentucky closing customs. Lenders who treat it as an Ohio suburb get surprised. We do not.
That is where most Kentucky files land, not the limit of what we can do. We are brokers, so the lender list behind us is long and the product list behind that is longer. Call Tyler and describe the situation.
KHC is one of the most-searched housing agencies in the country and runs both first mortgages and down payment assistance. Its loans go through approved participating lenders only — ask us and we will tell you honestly whether we can originate it for you.
Tyler McCain, NMLS #173261, is licensed in Kentucky and five other states. Two minutes, no credit pull, and you will know where you stand.
Also licensed in Tennessee, Texas, Ohio and Alabama — and in Florida.
