Kentucky, known as the Bluegrass State, boasts scenic landscapes, historic charm, and a diverse real estate market. Whether you’re interested in the elegance of horse country or the comfort of city living, Local Jumbo is your trusted partner for finding the ideal mortgage solution in Kentucky.
Ready to make Kentucky your home or considering refinancing in the Bluegrass State? Connect with Local Jumbo’s network of Jumbo Verified™ lenders for competitive rates and a personalized mortgage plan tailored to your aspirations in Kentucky.
Crafting Mortgage Solutions for Kentucky’s Diverse Homes
Kentucky’s real estate offers a rich blend of options. From the iconic horse farms of Lexington to the cozy neighborhoods of Louisville, our lenders specialize in creating mortgage solutions that cater to the diverse housing styles and regions of Kentucky.
- Explore a variety of mortgage types for Kentucky’s diverse properties: Jumbo, Conforming, ARMs, FHA, VA, Interest-Only, Land, Construction, Bridge Loans, Cross-Collateralization, and Foreign National Loans.
- Innovative financing for homes, whether in the rolling hills of horse country or the heart of the city.
- Mortgage plans that reflect the unique character of Kentucky’s regions, from scenic rural areas to bustling urban centers.
- Lending expertise to navigate Kentucky’s competitive real estate market.
- Competitive rates for both home purchase and refinancing in the Bluegrass State.
Aligning Your Mortgage with Kentucky’s Distinct Lifestyle
Living in Kentucky means experiencing its distinct culture, from bourbon tastings to Derby traditions. Our lenders create mortgage solutions that seamlessly align with your vision of life in the Bluegrass State.
2024 KENTUCKY CONFORMING LOAN LIMITS BY COUNTY
| County | One-Unit Limit | Two-Unit Limit | Three-Unit Limit | Four-Unit Limit |
| ADAIR COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| ALLEN COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| ANDERSON COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| BALLARD COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| BARREN COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| BATH COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| BELL COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| BOONE COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| BOURBON COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| BOYD COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| BOYLE COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| BRACKEN COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| BREATHITT COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| BRECKINRIDGE COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| BULLITT COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| BUTLER COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| CALDWELL COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| CALLOWAY COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| CAMPBELL COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| CARLISLE COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| CARROLL COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| CARTER COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| CASEY COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| CHRISTIAN COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| CLARK COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| CLAY COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| CLINTON COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| CRITTENDEN COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| CUMBERLAND COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| DAVIESS COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| EDMONSON COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| ELLIOTT COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| ESTILL COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| FAYETTE COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| FLEMING COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| FLOYD COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| FRANKLIN COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| FULTON COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| GALLATIN COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| GARRARD COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| GRANT COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| GRAVES COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| GRAYSON COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| GREEN COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| GREENUP COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| HANCOCK COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| HARDIN COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| HARLAN COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| HARRISON COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| HART COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| HENDERSON COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| HENRY COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| HICKMAN COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| HOPKINS COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| JACKSON COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| JEFFERSON COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| JESSAMINE COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| JOHNSON COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| KENTON COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| KNOTT COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| KNOX COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| LARUE COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| LAUREL COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| LAWRENCE COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| LEE COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| LESLIE COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| LETCHER COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| LEWIS COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| LINCOLN COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| LIVINGSTON COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| LOGAN COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| LYON COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| MCCRACKEN COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| MCCREARY COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| MCLEAN COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| MADISON COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| MAGOFFIN COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| MARION COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| MARSHALL COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| MARTIN COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| MASON COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| MEADE COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| MENIFEE COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| MERCER COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| METCALFE COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| MONROE COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| MONTGOMERY COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| MORGAN COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| MUHLENBERG COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| NELSON COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| NICHOLAS COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| OHIO COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| OLDHAM COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| OWEN COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| OWSLEY COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| PENDLETON COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| PERRY COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| PIKE COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| POWELL COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| PULASKI COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| ROBERTSON COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| ROCKCASTLE COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| ROWAN COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| RUSSELL COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| SCOTT COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| SHELBY COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| SIMPSON COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| SPENCER COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| TAYLOR COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| TODD COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| TRIGG COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| TRIMBLE COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| UNION COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| WARREN COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| WASHINGTON COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| WAYNE COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| WEBSTER COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| WHITLEY COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| WOLFE COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| WOODFORD COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
GET YOUR QUOTE TODAY!
SERVING BUT NOT LIMITED TO THE FOLLOWING COMMUNITIES IN KENTUCKY
Neighborhoods
Hurstbourne, Prospect, Ten Broeck, Riverwood, Glenview Hills, Anchorage, Indian Hills, Rolling Fields, Glenview, Mockingbird Valley, Francisville, Union, Buckner, Cold Spring & Edgewood.
Zip Codes
40059, 40202, 40026, 40510, 40245, 40513, 41727, 40207, 40502, 40222, 40223, 41091, 40023, 40205 & 40067
Counties
Oldham County, Boone County, Woodford County, Fayette County, Shelby County, Kenton County, Campbell County, Franklin County, Scott County, Jefferson County, Spencer County, McCracken County, Anderson County, Jessamine County & Clark County.