The Right Mortgage Makes All the Difference

Choosing the right mortgage is a big step, and we’re here to make it easier. As you explore your home loan options, it helps to understand how each type of mortgage works and what best supports your long-term goals.

Conventional Fixed-Rate Mortgages

A home loan with an interest rate that stays the same for the entire term of the loan. Your monthly principal and interest payments never change, which makes budgeting predictable.

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Adjustable Rate Mortgages

An ARM starts with a fixed interest rate, then adjusts over time based on the market. It can be a smart option if you want a lower rate upfront and we can help you decide if it’s the right fit for your plans.

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Jumbo Mortgages

A jumbo mortgage is designed for homes that fall above standard lending limits. If you're looking at a higher-priced property, this loan can help you finance your home with one straightforward mortgage — and we can walk you through every step.

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Construction Loans

A construction loan provides short-term financing to build or renovate a home. It gives you access to funds as the work progresses and can roll into a long-term mortgage once your home is complete. If you’re ready to bring your plans to life, we can guide you through the process.

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First-Time Home Buyer Loans

What's it take to qualify for your first mortgage? Less savings and a lower credit score than you might think. We're ready to tell you all about our HomeReady loans. 

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Home Refinance

A home refinance lets you replace your current mortgage with a new one, often to lower your payment, change your loan term, or use your home’s equity. If you’re ready to see what refinancing could do for you, we can help you explore your options.

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VA Loans

Your service inspires us all. A grateful nation offers its thanks with a home loan program that features 100% financing and other financial advantages. 

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USDA Loans

You like the slower pace and extra space. If you want to live in a rural area, a USDA loan could be a breath of fresh air with low down payments and flexible credit guidelines.

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FHA Loans

This government-backed program has helped millions of homebuyers over the decades. With reduced down payments and other benefits, it just might be the best choice for you.

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Welcome Home Program

The Welcome Home Grant is now closed for 2025. Check back in early 2026 for updates on next year’s program.
 
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Paducah Bank Mortgage Lenders

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FAQs

Yes. Our online mortgage application makes it easy to get started anytime. You can apply at your convenience, upload documents securely, and a Paducah Bank lender will follow up to guide you through the next steps.

Apply today!
Yes. Our Mortgage Loan Calculator can help you estimate your monthly payment and explore what fits your budget. Try it here:

Mortgage Loan Calculator

Looking to buy or refinance your home? Our platform makes it easy and convienant. Apply for a loan, securely scan documents, and more! 

 
  • Calculate your home options
  • Get Pre-Qualified/Pre-Approved
  • Authorize Credit Reporting
  • Automatically Verify Your Information
  • Search for a Home
  • Securely Scan Documents
  • Get Real-Time Status and Notifications
  • Message Your Loan Team
  • Sign Disclosures
  • Close Faster

A government-backed loan is a mortgage designed to make homeownership more accessible by offering flexible credit requirements, competitive rates, and lower down-payment options.

Common programs include:

  • FHA loans for buyers who want lower down payments.

  • VA loans for eligible veterans, service members, and surviving spouses.

  • USDA loans for borrowers purchasing homes in eligible rural areas.

Paducah Bank offers several of these options to help you find a loan that matches your needs.

Wow Mortgage App

Home loans made easy right in the palm of your hand

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