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Mortgage
FHA Loans


Buying a home is an important milestone, and you deserve to work with a bank that will support you every step of the way. Stock Yards Bank & Trust will help decide whether a Federal Housing Administration home loan suits your needs.

The Benefits of an FHA Loan

People who are rebuilding their credit, or don’t have much money saved yet, can benefit from a Federal Housing Administration (FHA) loan. This loan program can assist homebuyers with qualifying for a mortgage that makes financial sense to them. Three primary benefits of an FHA loan are:

  • Help with your down payment. While many mortgages require a 20% down payment, for FHA loans, it’s usually less. FHA loan recipients may use down payment assistance programs to manage the upfront cost of buying a home.
  • Your interest rates won’t go up. Many mortgages have variable interest rates that may rise over time. An FHA loan has a fixed interest rate over its entire term, so you can plan your future more confidently.

The government insures FHA home loans and sets requirements for qualifying for the program. These include:

  • Having a verifiable income.
  • Proof of employment for the previous two years.
  • Purchasing FHA mortgage insurance.
  • Having the property appraised by an FHA-approved appraiser to make sure it meets certain guidelines.

Working With Stock Yards Bank & Trust to Obtain an FHA Home Loan

Stock Yards Bank & Trust has provided exceptional customer service for over 100 years. We offer all the resources of a national financial institution and the one-on-one interest and attention you expect from your local bank.

Options and requirements for FHA home loans can differ depending on the state where you're buying a home. We have the experience and knowledge to assist with FHA loans in Kentucky, Indiana, and Ohio.

If you think an FHA home loan might suit your needs, our team is ready to help you navigate the process. Our mortgage bankers and loan officers can discuss your options and eligibility, help you find the best options, and assist with your application.

Contact Us to Move Forward With Your Loan Application

If you’ve already been in touch with a Stock Yards Bank & Trust loan officer, you can find them on our Mortgage Team page and continue the process by clicking on their Apply Now button.

Begin your application today if you're just getting started. We combine a convenient online application with personalized attention from a member of our team. We'll match you with the loan officer who can best answer your questions and assist with your specific goals and situation.

Subject to credit approval. Terms and conditions are subject to change.