Louisville Kentucky

Get Your Home Loan from the Top Mortgage Company in Louisville

Shopping for a home in Louisville is exciting, but shopping for a home loan can be stressful—unless you work with Academy Mortgage! Our mortgage loan lenders are devoted to helping Louisville residents purchase the home they want, and we put this dedication to work for you.

We know you have options when it comes to mortgage companies, and that’s why we pour so much time and effort into providing exceptional customer service to all our clients. We’re not just some faceless voices on the phone—our mortgage loan lenders are members of the Louisville community, and this helps us to build trust with our clients.

Come in and see our mortgage lenders today and find out why we’re Louisville’s preferred mortgage company.

Contact Us

Home Loan Options in Louisville

When you’re thinking of buying a home, you want options. At Academy Mortgage of Louisville, we offer homebuyers up to a dozen home loan programs so that they can choose the one that fits their needs best. Whether you’re a first-time homebuyer, a low-income mortgage applicant, a veteran, or a homeowner looking to refinance, our mortgage company can help.

We love helping prospective homeowners realize the American Dream of homeownership in Louisville. Contact us today.

Fixed-Rate & Adjustable-Rate Mortgages

Will a dependable Fixed-Rate Mortgage work better for you or a temporarily more affordable but flexible ARM? Our mortgage lenders can explain how each option affects your home loan in Louisville.

FHA Loans

You may still get approved for a home loan even if you don’t have a perfect credit score. Ask our mortgage lenders about FHA Loans for only 3.5-percent down.

State Housing Agency Loans and DPA Programs

If you’re low income, you may qualify for one of these home loans for first-time homebuyers. Down payment assistance and other perks of these mortgage programs make Louisville homeownership more attainable.

USDA Loans

Not a fan of the city life? Apply for a USDA Loan to purchase a home in the Louisville country or suburbs. These home loans feature no money down and low interest rates.

Conventional Mortgages

You can get this most common type of home loan for only 3-percent down. You may be eligible for a better interest rate with a higher credit score and a bigger down payment.

VA Loans

Exclusively for veterans and their families, VA Loans feature no money down and no mortgage insurance. Talk to our mortgage lenders to learn if you’re eligible to apply for this home loan program in Louisville.

Renovation Loans

Check with our mortgage lenders to see if you qualify for a Renovation Home Loan. Make the repairs and improvements you need and help boost your home’s value at the same time.

Refinance Loans

Homeowners can benefit from refinancing if interest rates fall or if they want to change the terms of their home loan. Ask our mortgage company to run the numbers for you.

Jumbo Mortgages

Have your heart set on a fabulous Louisville home? Our mortgage company can help you get financing with a Jumbo Loan. Talk to us today to see if you qualify.

Reverse Mortgages

Why wait to use the equity you built up in your home? Apply for a Reverse Mortgage today. Instead of making monthly mortgage payments, you’ll get paid to live in your home. If a Reverse Mortgage isn’t the right fit, we can help you explore other ways to keep your mortgage manageable.

First-Time Homebuyer Loans

First-time homebuyers can get all kinds of perks on their home loans, such as help with closing costs and less-stringent mortgage qualification requirements. You may qualify even if you’ve owned a home before.

Mortgage Refinancing in Louisville

When should you refinance your home loan? It can be hard for homeowners to be sure.

Generally speaking, if interest rates fall a full percentage point below the interest rate you have now, mortgage refinancing is worth it. Because you will have to pay closing costs each time you refinance, you don’t want to do it too often. But don’t let the cost deter you from refinancing—closing costs can usually be rolled into the new home loan.

Another reason many Louisville homeowners consider mortgage refinancing is when the special interest rate on their ARM (Adjustable-Rate Mortgage) is about to expire. Homebuyers who must stretch their finances to buy a home sometimes choose an ARM because the interest rates are lower. But they’re only lower for a specified period of time—ranging up to 10 years.

Once this initial fixed period is up, your interest rate could rise, increasing your monthly mortgage payments. It can bea good idea to shop for mortgage refinance loans before this expiration date.

Some Louisville homeowners opt for mortgage refinancing to change the term of their loan. If your financial circumstances have changed, mortgage refinancing could help significantly. For instance, if you’re in your tenth year of a 30-year mortgage, suffer a setback, and refinance for another 30 years, your payments could drop dramatically.

Conversely, if your financial situation has improved, you could save money over the life of your home loan if you shorten your loan term to 10 or 15 years and make higher monthly mortgage payments.

Why Choose Us?

One of the most frustrating parts of buying a home is waiting for mortgage approval. But at Academy Mortgage in Louisville, we keep the processing, underwriting, and funding local, so it goes much faster. That means you can move into your new home sooner!

Additionally, because our mortgage company has locations nationwide, you get the benefit of working with a mortgage lender that’s part of a large network, so we can offer you the lowest interest rates available.

For the most options for home loans and the best customer service in Louisville, choose the mortgage brokers at Academy Mortgage.

Contact Us

Equal Housing Lender | Corp NMLS #3113
©2021 - Academy Mortgage Corporation. All Rights Reserved.