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Home Mortgage Loan Ratesin Kentucky
Planning on purchasing a new home? FHA Loans offer low down payments, low closing costs, and are easier to qualify in regards to income or credit score. Use ERATE®'s rate chart to compare today's top rates in Kentucky and find a lender that's the best fit for you. We recommend that you reach out to at least 2 to 3 mortgage lenders for your home loan to ensure you get the best rate and pricing.
(Last Updated: 05/29/2026)
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Lender
|
APR
|
Rate
|
Payment
|
Points
|
Fees
|
Loan Type
|
Contact details |
|---|---|---|---|---|---|---|---|
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| Veterans: Make your VA benefit work for you | View Details Sponsored
|
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|
6.649% APR | 5.375% Rate 30 day rate lock | $1,792 Payment per month |
0.630 Points$2,016 Points Fee
|
$8,711 Total Fees$6,695 Lender Fees
|
30 Years FixedFHA Loan | |
|
6.650% APR | 5.375% Rate 30 day rate lock | $1,792 Payment per month |
0.686 Points$2,195 Points Fee
|
$8,845 Total Fees$6,650 Lender Fees
|
30 Years FixedFHA Loan | |
|
6.792% APR | 5.375% Rate 30 day rate lock | $1,792 Payment per month |
0.732 Points$2,342 Points Fee
|
$14,142 Total Fees$11,800 Lender Fees
|
30 Years FixedFHA Loan | |
|
6.800% APR | 5.490% Rate 30 day rate lock | $1,815 Payment per month |
0.905 Points$2,896 Points Fee
|
$10,191 Total Fees$7,295 Lender Fees
|
30 Years FixedFHA Loan | |
|
6.915% APR | 5.625% Rate 35 day rate lock | $1,843 Payment per month |
0.810 Points$2,592 Points Fee
|
$9,587 Total Fees$6,995 Lender Fees
|
30 Years FixedFHA Loan | |
|
7.014% APR | 5.625% Rate 30 day rate lock | $1,843 Payment per month |
0.849 Points$2,717 Points Fee
|
$13,384 Total Fees$10,667 Lender Fees
|
30 Years FixedFHA Loan | |
|
7.261% APR | 5.990% Rate 30 day rate lock | $1,917 Payment per month |
0.521 Points$1,667 Points Fee
|
$9,267 Total Fees$7,600 Lender Fees
|
30 Years FixedFHA Loan | |
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| As low as 0% down options & down payment assistance | ||||||
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PENNYMAC |
6.729% APR | 5.490% Rate 30 day rate lock | $1,815 Payment per month |
0.612 Points$1,958 Points Fee
|
$7,558 Total Fees$5,600 Lender Fees
|
30 Years FixedFHA Loan | |
Updating Rates...
Rate data provided by RateUpdate.com. Displayed by Mortgage Research Center, NMLS #1907, Equal Housing Opportunity. Payments do not include taxes and insurance premiums. Actual payments will be greater with taxes and insurance included. Rate and product details.
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