1st Kentucky Bank :: Personal Banking

Loans

Consumer Loans
Residential Mortgages
HELOC

Home Equity Loans
Lending Staff

As a locally owned and operated institution, First Kentucky Bank has the unique ability to tailor your loan to meet your specific financial needs. Our approval process is quick and flexible, saving you both time and money. We offer a variety of consumer and mortgage loan products, including our popular Home Equity Lines & Loans.

One of our friendly, experienced lending professionals is ready to help get the loan process started for you!

Consumer Loans

Buying a car or a boat? Adding a room to the house or renovating the kitchen? Looking for a way to finance a dream vacation? First Kentucky Bank offers a supermarket of consumer loans to help you reach your goals.

All of our loans feature competitive, market-based interest rates and discounts are available for First Kentucky Bank customers who have their monthly loan payments automatically deducted from a First Kentucky Bank checking account. Plus, applying for a loan is easy and convenient.

Our consumer loans are designed to meet a variety of needs and include:

Automobile Loans
Boat / Camper / Recreational Vehicle Loans
Mobile Homes
Personal Loans
Secured Fixed-Rate Loans
Debt Consolidation
Education Loans
or, let us tailor a loan for your specific needs

* First Kentucky Bank consumer loans are available in both variable and fixed rates. Additionally, both secured and unsecured loans may be obtained for qualified borrowers.

Residential Mortgages

At First Kentucky Bank, we offer a full complement of home financing products to meet your particular needs — whether you are building, buying, refinancing, making improvements, or using the equity in your home.

Available mortgage types from First Kentucky Bank include:

Adjustable-Rate Mortgages (ARMs)
- Gives you extra borrowing power, based on a lower initial payment than is typically available with a fixed-rate mortgage
- Lets you take advantage of a lower monthly payment to save money
- Recommended if you plan to refinance or sell the property in a few years
Fixed-Rate Mortgages
- Provides predictable monthly payments over the entire life of the loan
- Lets you pay a higher interest rate in return for protection against the possibility of rising interest rates
- Great if you are interested in building equity in the property through monthly principal and interest payments
Secondary Market Financing
- Available terms up to 30 years
- 100% financing available in some programs
In-House Financing
- Available terms up to 25 years
- 85% financing available
- Lower closing costs

Mortgage products available from First Kentucky Bank include:

Construction Loans
Real Estate Purchase Loans
Real Estate Financing
Home Improvement Loans
Home Equity Lines of Credit
Home Equity Loans

Home Equity Lines of Credit

A home equity line of credit (HELOC) is a variable-rate, revolving line of credit based on the available equity in your home and other qualifying criteria. Features & benefits of the First Kentucky Bank HELOC include:

No annual fee
Low $50 application fee, which may be waived if First Kentucky Bank is also doing the Primary Mortgage
Required payment is "interest-only" on the outstanding principal balance.
Loan-to-Value lines up to 89% are available on Primary Residences.
Non Primary Residence home equity lines are available. Please call for rates and terms.
Variable interest rate is equivalent to Wall Street Journal Prime Lending Rate

Home Equity Loans

The home equity loan is a loan based on the available equity in your home and other qualifying criteria. This loan makes budgeting easier with a simple fixed-interest rate and fixed payment amount. The features and benefits include:

No annual fee
Competitive, fixed interest rate
Flexible terms — up to 10 years
Get a 15 basis point discount (0.15%) when you have your payment automatically deducted from your First Kentucky Bank checking account
Loans are fully funded at closing.
Non Primary Residence home equity loans available.

Contact our lending staff for current rate information.