2025 WELCOME HOME
Down-Payment & Closing-Cost Assistance up to $20K beginning March 3rd!
The Federal Home Loan Bank (FHLB) has announced the Welcome Home Loan Program details for 2025. As a member bank, we’re here to help with additional details and application assistance.
Welcome Home funds are offered by the FHLB of Cincinnati and are reserved on a first-come, first-served basis beginning at 8am ET, March 3rd, 2025, and will remain available until all funds have been reserved. Reservations may not be submitted in advance. Grant does not require separate payment obligation unless loan is sold or refinanced within a 5-year period. See link below for details.
Offer of credit on all loans is subject to credit approval. Bank NMLS ID# 421548
Select a Mortgage Specialist below or submit an online application.
Why Choose Bank of the Bluegrass?
Jennifer F. Frye
V.P.
Sr. Mortgage Loan Originator
Phone icon Tel: (859) 280-3851MLO NMLS ID# 154948
Start Your Application Today!
Kim Noble
V.P.
Consumer and Mortgage Lender
Phone icon Tel: (859) 233-8935MLO NMLS ID# 613244
Start Your Application Today!
Chris Boaz
V.P.
Commercial and Mortgage Lender
Phone icon Tel: (859) 280-3840MLO NMLS ID# 478799
Start your Application Today!Now you can save money on your next home purchase or refinance!
Open a NEW Bank of the Bluegrass
checking account* with direct deposit to
SAVE $500**
IN CLOSING COSTS
on your Bank of the Bluegrass
Mortgage Loan***.
*Offer is not available to existing Bank of the Bluegrass checking account customers with existing direct deposit. New Bank of the Bluegrass checking accounts are subject to approval. Deposit of $100.00 or more required at account opening. Direct deposit must be an electronic deposit of your paycheck, pension or government benefits and originate from your employer or the government. Direct deposit must be received prior to your mortgage closing date.
**Per investor pricing guidelines on limited cash out refinances, borrower may receive up to but not to exceed $2,000 cash back at closing. If the combinations of cash back + $500 credit exceeds $2,000, credit will be reduced such that the combination thereof does not exceed the maximum allowable amount of $2,000.
***This special offer only applies to closed end mortgage loan programs, excluding Kentucky Housing Loans used to purchase or refinance 1-4 family primary residences.
Click Here to explore our Personal Checking account choices.
Offer of credit on all loans is subject to qualification, approval and closing. Bank NMLS ID# 421548
Finding a mortgage partner before you start looking for a home is essential, as he or she can help you understand your budget, provide pre-qualification, and streamline the process when you’re ready to make an offer. Our mortgage experts are here to guide you every stop of the way, offering competitive rates and personalized service.
Products we proudly offer:
- Conventional fixed rate loans.
- Tax credit mortgage programs.
- Government loan programs including: Federal Housing Administration (FHA), Veterans Administration (VA), Rural Housing Service (RHS).
- Kentucky Housing Corporation (KHC).
- Adjustable rate mortgage loans.
- Jumbo loans.
Offer of credit on all loans is subject to credit approval. Bank NMLS ID# 421548