Who has the best mortgage rates in Kentucky?
I’m looking for a primary, single-family home in for , and credit score.
Insights
Negotiate everything—rates, fees, and terms are not set in stone.
George Robinson TrueRate Data ScientistLenders with low rates in KY
TrueRate analyzed the rates lenders actually gave to buyers for the last three years and found only a few lenders likely to get you a good deal.
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Insights
Negotiate everything—rates, fees, and terms are not set in stone.
George Robinson TrueRate Data ScientistLenders in KY likely to have high rates
We don’t accept advertising, so you can get the real lender story. TrueRate looked at 43 lenders and found that these lenders are likely to offer you a high rate.
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Insights
Whether a lender has high margins or is simply inefficient and passing their costs on to you, the result is the same—you’ll likely end up paying more for your home. Our data shows that if you choose these lenders you will likely regret it.
George Robinson TrueRate Data ScientistLenders with average rates in KY
You deserve better than what these lenders historically provide.
Sorry, no lenders were found.
Methodology
We believe in transparency. Here’s how we crunched the numbers.
Based on lender data from 2023 with at least 10 loans similar to yours with 0 points for a 30-year fixed mortgage.
Don’t let lenders pull a fast one on you
Learn how really low rates often come with hidden fees. Drag the slider to see how rates and fees are connected.
Insights
Insights by James McTernan Tomo Mortgage Loan Advisor - NMLS #337556TrueRate report
See how mortgage companies got home buyers to over-pay by billions.
Get the reportMethodology
We believe in transparency. Here’s how we crunched the numbers.
Based on lender data from 2023 with at least 10 loans similar to yours with 0 points for a 30-year fixed mortgage.
In Kentucky, the housing market is looking pretty appealing right now
Interest rates are gradually improving as we move through 2024 and into 2025. Lower rates mean more affordable monthly mortgage payments, which is great news if you’re planning to settle down in the Bluegrass State.
Kentucky offers a variety of real estate options, depending on whether you’re after city life or something more rural. Louisville and Lexington are popular spots, with vibrant communities, decent job markets, and plenty of things to do. They can be competitive, but the good news is prices here are still far more affordable than in many other states. Plus, you can stretch your budget a lot further in the smaller towns or countryside, where you’ll find charming homes, larger plots of land, and a slower pace of life—all while staying close to Kentucky’s signature horse country beauty.
For first-time homebuyers, Kentucky has programs to help make the leap into homeownership a little easier. Whether you need assistance with a down payment or help navigating loan options, these resources can make buying your first home more manageable.
The state itself has so much to offer, from the rolling hills of the countryside to the bourbon distilleries and rich cultural heritage. Whether you’re looking to settle in the city or enjoy the peace of rural life, Kentucky’s got something for everyone. With improving interest rates and affordable options across the board, now’s a great time to start your home search here.