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Home Mortgage Loan Ratesin Kentucky
Planning on purchasing a new home? 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: 01/29/2026)
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Lender
|
APR
|
Rate
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Payment
|
Points
|
Fees
|
Loan Type
|
Contact details |
|---|---|---|---|---|---|---|---|
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| Veterans: Get the most from your VA benefits & budget | View Details Sponsored
|
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5.706% APR | 5.625% Rate 30 day rate lock | $1,843 Payment per month |
0.895 Points$2,864 Points Fee
|
$2,864 Total Fees$0 Lender Fees
|
30 Years Fixed | |
|
6.096% APR | 6.000% Rate 30 day rate lock | $1,919 Payment per month |
0.662 Points$2,118 Points Fee
|
$3,446 Total Fees$1,328 Lender Fees
|
30 Years Fixed | |
|
6.122% APR | 5.990% Rate 30 day rate lock | $1,917 Payment per month |
0.795 Points$2,544 Points Fee
|
$4,544 Total Fees$2,000 Lender Fees
|
30 Years Fixed | |
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| Numbers you can trust | ||||||
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| As low as 0% down payment in Kentucky | ||||||
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| Get home in 2026 with a 0% down VA Loan | ||||||
PENNYMAC |
5.790% APR | 5.750% Rate 30 day rate lock | $1,868 Payment per month |
0.434 Points$1,389 Points Fee
|
$1,389 Total Fees$0 Lender Fees
|
30 Years Fixed | |
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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