A locked-in fixed-rate mortgage provides you with the security of having the same interest rate over the life of the loan and the comfort of knowing that your monthly principal and interest payment will not change.
Adjustable-Rate Mortgage (ARM)
An Adjustable Rate Mortgage (ARM) may provide customers with the flexibility of a lower starting interest rate and initial monthly payment. ARM loans are better for those who are not planning to stay in the property for a long-term, or expect their income to rise over time. It is important to keep in mind that the rate adjusts based on market rates, and fluctuates periodically based on financial market conditions, which may result in a higher monthly payment.
Building a new home or purchasing a home under construction? Town Square Bank offers great solutions to help you save both time and money.
Home Equity Lines of Credit
Your home has been busy building equity over the years. In other words, money you can access through a Home Equity Line of Credit. Whether it’s that dream kitchen or paying college tuition, the equity you have built in your home can provide you with financing options.
Like a credit card, you only pay interest on the amount you’ve used from the line of credit. It is like a low-interest pre-approved loan where you have access to money when you need it.
USDA Rural Development
Looking for a traditional home loan with no down payment required and flexible credit guidelines? Let Town Square Bank make your dream of homeownership a reality with the USDA Loan.
USDA Loans are limited to rural areas that are not in city limits and have less than 20,000 residents.
- 100% financing up to appraised value for qualified buyers
- New and existing homes are eligible
- No maximum loan amount
- Low fixed interest rates
We have the key to your new home! Town Square Bank offers many programs assisted through a governmental agency that helps with the purchase or refinance of a home. The FHA (Federal Housing Administration) Home Loan offers many attraction solutions for customers with limited or no credit experience.
- Low down payment
- Down payment and closing cost assistance available in Kentucky
- Manufactured Homes financing available
The VA (Veteran Assistance) loan was developed for Veterans allowing them to find affordable housing at a good interest rate.
- 100% financing
- Closing cost assistance available
- No mortgage insurance required
- Veteran eligibility required
150 S. Main St.
Nicholasville, KY 40356
(859)881-8266 Ext. 2304
621 Martin Luther King Jr. Blvd.
Ashland, KY 41101
|Lisa G. Belt||NMLS ID 761827|
|E. Tommy Cobb||NMLS ID 483231|
|Peggy Cornwell||NMLS ID 827177|
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|Alice Martin||NMLS ID 794546|
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|Tyler S. Ragains||NMLS ID 61311|
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|R. Bruce VanHorn||NMLS ID 440175|
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