Get the lowest mortgage rate from a approved lender.
Loan Type Type of Home Credit type
Or search local mortgage rates on our rate tables.
Purpose: State: Loan Amount: Loan Type: Points:
$ GO
Institution Payments Rates Apr Points Fees Last Update   Phone – A Direct Lender $1157.79 3.750% 3.814% 0.000% $1950.00 10/07/2011 – A Direct Lender $1122.61 3.500% 3.703% 1.697% $1950.00 10/07/2011 – A Direct Lender $1140.13 3.625% 3.754% 0.789% $1950.00 10/07/2011
Data provided by Informa Research Services click here for details

Current Mortgage Rates

For those looking to buy or refinance homes in Louisville, Lexington, and elsewhere, Kentucky Mortgage Rates remain accessible. Home buyers across the state are able to find lenders with attractive rates for fixed mortgages, variable mortgages, and even federal mortgage rates. This is a plus as the average listing price of homes has decreased to $99,800 over the last few months.

A buyer in Louisville can select a 5/1 ARM with rates in the range of 2.97% to 3.32% APR. Therefore it is possible for borrowers in the state’s largest city to find rates below the national average of 3.23% APR.

Over in Lexington, similar rates are available for those who seek a 5/1 ARM. If a home buyer prefers a 7/1 ARM, the rates can be as low as 3.16% APR and as high as 3.48%. In the western portion of the Bluegrass State, Paducah offers variable mortgage rates similar to those of Louisville and Lexington. A 10/1 ARM is available with a rate of 3.807%, too.

There are alternatives to the 5/1 ARM and other variable mortgages. Kentucky Mortgage Rates for fixed rate mortgages have slightly dropped compared to the last few months. Buyers in the Ashland-Williamson can expect 30-year fixed mortgages from 4.22% to 4.92% APR. For 15-year mortgages, the rates drop to a range of 3.55% to 4.05% APR. The Bowling Green-Owensboro area offers comparable rates.

Of course, federal mortgage rates can benefit home buyers as well. Kentuckians in Hopkinsville and Covington may be able to benefit from FHA loans. A 15-year fixed FHA mortgage with an APR of 4.285% is offered by certain lenders. Residents of the state capital of Frankfort can find a 30-year fixed FHA mortgage with rates of 4.25% to 4.35% APR. The state’s military veterans or those on active duty may also be eligible for VA home loans.

As is the case in neighboring states, Kentucky Mortgage Rates are attractively low enough for borrowers inclined to buy or refinance homes. In addition to variable and fixed mortgages rates, reasonable federal mortgage rates should be another resource for the state’s home buyers to consider.

4.25% 30 Year Fixed Rate
Loan Amount
Loan Type