First Time Home Buyers in Kentucky

Few of life’s financial journeys hold as much excitement as shopping for your first home. First Fidelity Mortgage makes that journey smooth and easy with a simple loan process. Before you know it, you could be unlocking the door to your first home.

Discover Your Ideal First Mortgage

Did you know there are many types of mortgages that can be suited to first time homebuyers?

Quite a few people shopping for their first home are unaware of just how many options they have. With our broad mortgage selection, you can find the right fit for your needs.

• Conventional: A conventional conforming loan fits within the Fannie Mae and Freddie Mac conforming loan limits. We offer conventional mortgages with adjustable or fixed interest rates.
• FHA: One mortgage product first time homebuyers ask us about is FHA loans. These mortgages are backed by the Federal Housing Administration (FHA), so they feature easy qualifications, affordable rates, and a low down payment.
• VA: First time homebuyers who served our country may qualify for a VA mortgage backed by the Department of Veterans Affairs. Use a VA loan to buy your first home with zero down, affordable rates, and easy qualifications.
• USDA: Borrowers who plan to buy their first home in a rural area can apply for USDA loans in Kentucky. Another zero down loan product, these mortgages are backed by the
• Jumbo: You can buy a home with financing above the Fannie Mae and Freddie Mac conforming loan limits using a jumbo mortgage. Like conforming loans, jumbo non-conforming loans are a type of conventional loan.
• Self Employed Borrowers: You can buy your first home if you are self-employed using bank statements to verify your income rather than a W-2 form.
• FHA 203k (Home Renovation) Loans: If you want your first home to be a fixer-upper, you can roll together the costs to renovate your home with the financing for purchase using this mortgage product.
• One-Time Close Construction Loans: Do you dream of building your first home? With this financing product, you can do construction-to-permanent with only one close.

Why Buy Your First Home with First Fidelity Mortgage, Inc?

• A patient, dedicated team that answers your questions. Our loan experts will demystify the mortgage process for you and explain everything you need to know about your different loan options. You can receive personalized recommendations to help you choose the right mortgage.
• A simple mortgage process. We lay out the steps for you during your consultation so you understand each stage. Once you begin the process by submitting your application, we keep it moving forward quickly so you can close on your first home.
• Communication day or night. We are here at all hours to answer your questions. When we need you to provide documentation or take any other steps, we immediately let you know so you can avoid delays.
• Mortgage pros that are ready for anything. Over the years we have been operating, we have encountered so many different scenarios for first time homebuyers. Our experts will help you work around obstacles with down payments, credit scores or any other barriers so you can purchase your first home.

Move Into Your First Home with a Suitable Mortgage

If you are ready to purchase your first home quickly and easily with a passionate team of mortgage experts on your side, work with First Fidelity Mortgage.

Please give us a call at (502) 657-4299 to schedule your mortgage consultation. We can help you buy your first home in Kentucky, Tennessee, Indiana and Florida.