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Mortgage Options

Fixed Rate Mortgages

  • A fixed rate mortgage allows the interest rate and payment amount to remain the same over the life of the loan, allowing greater control over a household budget.

Adjustable Rate Mortgages (ARM)

  • Adjustable Rate Mortgages usually have an introductory rate which can be lower than the Fixed Rate Mortgage. This allows the homebuyer greater purchasing power. An adjustable rate mortgage’s interest rate is adjusted periodically based on a pre-selected index. The interest rate will fluctuate based upon the type of product. The payment amount can fluctuate depending on the rate increase/decrease and/or the terms of the agreement.

Government Programs

  • Some types of programs are insured by the government, allowing for additional financing considerations for qualified applicants. In some instances these programs have less upfront costs, making housing more affordable. The government programs available are: FHA, VA, RHS and KHC

Mortgage Rates

  • Due to changing markets, please contact a South Central Bank Mortgage Representative for the most current rates. Call South Central Bank today at 270.651.7466 or 888.651.7466.


Mortgage Counseling

If you are having trouble making your mortgage payments, Home Ownership Counseling is available by calling 1.800.569.4287 or by visiting the Consumer Financial Protection Bureau website.
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The Kentucky Homeowners Protection Center can help you find a solution to keep you in your home!
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