Mortgage Lending
You Can Live With

We are one of Kentucky's
Top Mortgage Lenders.
But don't just take our
word for it.

South Central Bank helped my wife and I get approved for our very first home loan. They kept us informed throughout the process. Our first mortgage journey was easy, thanks to South Central Bank. I would recommend them to anyone considering home financing. - Thomas

I cannot say enough about South Central Bank. They were extremely accommodating of my needs and even helped me close a day early. With confidence, I highly recommend Mortgage Expert! - Sarah

South Central Bank handled our home loan quickly. I will definitely recommend and use them again. His expertise was invaluable. - Caroline


Fixed-Rate Mortgages

These loans are ideal for those seeking financial stability and predictability. With a fixed interest rate, your monthly mortgage payments remain constant throughout the loan term, making it easier to plan your finances in the long run.

Adjustable-Rate Mortgages (ARMs)

Best suited for individuals who anticipate changes in their financial situation or plan to move within a few years. ARMs offer lower initial interest rates, which can adjust over time, potentially leading to savings in the early years of the mortgage.

FHA Loans

An excellent option for first-time homebuyers or those who may not have a large down payment. These government-backed loans offer more lenient credit requirements and lower down payments, making them more accessible to a wider range of buyers.

VA Loans

Exclusively for veterans and active-duty military personnel, VA loans provide significant benefits, including no down payment requirements and no private mortgage insurance, making homeownership more attainable for our nation’s heroes.

USDA Loans

Aimed at buyers considering homes in rural and some suburban areas, USDA loans often come with no down payment requirement and favorable terms, supporting those looking to live outside a city’s core.

Conventional Loans

These are a popular option for many homebuyers, offering flexibility in terms of down payment and credit scores. They are not government-backed and can be a good fit for those with a stronger financial background.

Jumbo Loans

For those eyeing luxury properties or higher-priced homes, jumbo loans provide the necessary financing beyond the limits of conventional mortgages.

Refinancing Options

Whether looking to lower your interest rate, change the terms of your loan, or access home equity, refinancing can offer financial benefits, and our team is here to guide you through the process.

Steps to Homeownership

Leave the worry behind and allow our loan originators to show you the personalized experience you deserve. We’ll help you with your application and gathering the proper paperwork. We’ll find the best loan solution for your unique needs. We’ll be by your side to answer questions, deal with any issues that may arise, and get you to your closing with minimal stress.


To begin the loan process you must first pre-qualify. This informal process determines the maximum amount you are eligible to borrow, but it does not guarantee you a loan.

Purchase & Sale Agreement

Once you find the right home, you will negotiate the terms of sale, including the sale price, repair requests, move-in-date, and more. Your agent will then present your offer to the sellers, and you’ll continue to negotiate until all parties agree.

Loan Application

Once the seller accepts your offer, you can officially begin your mortgage application! The documentation required protects you and ensures that you’re getting the best loan possible. Paperwork of this sort may include pay stubs, tax returns, and bank statements.

Processor Review

The processor assigned to your loan will package all of your information together and will send it to the underwriter for final review.

Final Approval

The underwriter reviews the documentation to ensure you still meet the financing requirements, and makes the final decision to approve your loan.


You’ll meet with a closing attorney and notary to sign the final documents and provide the necessary funding to complete the transaction.


Market Insights

Get the latest updates on
mortgage and real estate markets.

Mortgage Rates

Learn about mortgage rates
and how they work & change.

How much home
can you afford?

Our easy to use calculators will help
you determine what you can afford.


The easiest way to buy a home.

Download the South Central Bank My Loan app to your smart device today!

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