Main Post



$399 Closing Cost Mortgage Loans Until April 15th*

photo of a new house

Call for details:

Josh Harman: 859-233-8922
MLO NMLS ID# 339904

Patrick Calloway 859-280-3848
MLO NMLS ID# 900180

*Offer excludes Kentucky Housing Loans and applies to purchase or refinance of 1-4 family primary residences when applications to our Secondary Market Mortgage Dept. are received by April 15, 2017. To qualify for the special, applicant(s) must meet eligibility requirements and open a primary checking account with payroll direct deposit prior to loan closing. The closing costs paid by Bank of the Bluegrass may not be used towards the down payment, Bank required title insurance, owner’s title insurance, prepaid costs, initial escrow payment, or other services or fees not required by the lender and will be shown as a lender credit on your Integrated Loan Disclosures. Loan subject to qualification, approval and closing.

Bank NMLS ID# 421548

Mortgage Lending

Let Our Mortgage Specialists Take the Stress Out of Home Buying!

We have some great Mortgage Loan Programs including:

  • Conventional long term fixed rate loans
  • Adjustable rate mortgage loans
  • Government loan programs including: Federal Housing Administration (FHA), Veterans Administration (VA), Rural Housing Service (RHS)
  • Kentucky Housing Corporation (KHC)
  • Down payment assistance programs
  • Jumbo loans
  • Rental property financing

In addition, we offer in-house Mortgage Loans for those who may not qualify for conventional financing. We offer:

  • Mortgage loans for primary residence and rental properties
  • Bridge loans to assist those who want to purchase a new house but have yet to sell their previous home (Variable rate, interest only due)
  • Construction loans for building or major renovation
  • Preferred Home Equity Lines of Credit
Our Local Mortgage Specialists will help you determine which program is right for you!

Loan Officers
Josh Harman, VP (859) 233-8922 MLO NMLS ID# 339904
Patrick Calloway, VP (859) 280-3848 MLO NMLS ID# 900180

Personal Loans

Whether you're buying a car, remodeling your home, or needing cash for a special occasion, a consumer loan from Bank of the Bluegrass & Trust Co. can make your life easier.

  • New and used car loans
  • Debt consolidation loans
  • Home improvement loans
  • Preferred Home Equity Lines of Credit
Loan Officers
Bobby Jones, VP (859) 233-8937 MLO NMLS ID#478795
Kim Noble, VP (859) 233-8935 MLO NMLS ID #613244

Bank NMLS ID#421548