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Right at Home

Stock Yards Bank is proud to offer this program, because we believe that owning your own home doesn’t have to be just a dream. Our Make Yourself At Home mortgage program is designed to help members of the community realize their goal of home ownership. We have mortgage professionals available to help answer your questions, so search for a lender in your community and start the process right away or scroll down to learn more.


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Program Overview

  • No down payment required for purchases
  • 3% down payment required for refinances
  • Amortized over 30 years
  • Single-family, owner residence
  • Maximum loan amount of $200,000

Borrower Requirements

  • Income must be at or below 80% area median income (AMI)
  • Minimum credit score of 620

Program Availability

  • Kentucky Counties: Jefferson, Oldham, Bullitt, Elliott, Rowan, Nelson, Madison, Harrison, Fayette, Woodford, Scott, Shelby, Bourbon, Clark, Jessamine, Boone, Kenton, Campbell
  • Indiana Counties: Clark, Floyd, Marion, Hamilton, Hendricks, Boone, Scott
  • Ohio Counties: Hamilton


Loan program available for borrowers primary residence only; no second homes. 1st position mortgage lien required; subsequent liens not permitted. Title insurance is required. Subject to Stock Yards Bank & Trust lending policies, underwriting, and credit approval.

LOAN PAYMENT EXAMPLE: On a $100,000, 30-year loan with an interest rate of 3.00% (3.159% APR), 359 payments of $421.60 and one final payment of $423.97. Payment example does not include payments for taxes and insurance.

SYB NMLS# 433971