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Mortgage Loans

For more information on mortgage types or rates, please contact your Town Square Bank Loan Officer.

Your home is probably the biggest investment you will make during your lifetime. How you finance your home is one of the most important financial decisions you will make. Our mortgage lenders will work directly with you to determine the right solution for your needs.

Fixed-Rate Mortgages

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.

Construction Loans

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

FHA Mortgages

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

VA Mortgages

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

Mortgage Originators

Matt Walters
NMLS# 41531
150 S. Main St.
Nicholasville, KY 40356
(859)881-8266 Ext. 2304
Beverly Gibbs
NMLS# 1008508
1500 Carter Avenue
PO Box 509
Ashland, KY 41105
  • During Office Hours:
    (606) 324-7196 | (877) 929-9700
  • After Office Hours:
    (800) 472-3272
  • Debit Card Activation
    (800) 472-3272
Lisa G. Belt NMLS ID 761827
E. Tommy Cobb NMLS ID 483231
Peggy Cornwell NMLS ID 827177
Donna Gillum NMLS ID 793016
Alice Martin NMLS ID 794546
Kimberly Burchett NMLS ID 761830
Ryan Curtis Steger NMLS ID 688992
Vanessa Callahan NMLS ID 922135
Monica F. Bays NMLS ID 1593789
Tammy A. Moore NMLS ID 1601888
Amy J. VanDyke NMLS ID 1583925
Sandra L. Bradley NMLS ID 1601890
Beverly L. Gibbs NMLS ID 1008508
Matthew Walters NMLS ID 41531
Teri Wyatt NMLS ID 810010
Lisa Roberson NMLS ID 804928
Kimberlee Smith NMLS ID 440176
Steven Smith NMLS ID 483232
Autumn Stevens NMLS ID 440179
R. Bruce VanHorn NMLS ID 440175
Jessica Webb NMLS ID 827178
Kristie Weber NMLS ID 483233
Vickie K. Earley NMLS ID 1601887
Linda L. Wells NMLS ID 1601891
K. Leann Swarts NMLS ID 1601889
Tyler S. Ragains NMLS ID 61311