Kentucky's Welcome Home Grant

WELCOME GRANT INFORMATION FOR QUALIFYING IN 2025

Welcome Home Program Grant is closed for 2025 ⬅️

Kentucky's Welcome Home Grant: A $20,000 Boost for Homeownership!

Dreaming of owning a home in Kentucky but facing hurdles with the down payment? The Welcome Home Grant program might be your answer! This initiative offers a $20,000 grant to eligible homebuyers, giving them a significant financial boost towards their dream home. Let's delve into the program's details and see if you qualify!

What is the Welcome Home Grant Program?

This program, funded by the Federal Home Loan Bank of Cincinnati (FHLBC), partners with participating lenders across Kentucky to provide down payment and closing cost assistance to homebuyers. It aims to increase homeownership opportunities for individuals and families, particularly those with moderate income.

1. Who is Eligible?
2. Income Limits: Your household income must be at or below 80% of the Mortgage Revenue Bond (MRB) limit for your county. You can find these limits here 
3. --👇>>https://kyfirsttimehomebuyer.wordpress.com/2024/01/20/kentucky-welcome-home-grant-5000-00/
4. Only Kentucky First-Time Homebuyers? Not necessarily: Both first-time and repeat homebuyers can apply!
5. Location: The property must be your primary residence and located in a county participating in the program. It's available in all 120 counties of Kentucky
6. Other Requirements: You must have a fully executed purchase contract, contribute at least $500 of your own funds towards the down payment/closing costs, and meet the lender's creditworthiness standards.

Important Dates to Remember:

• Application Period: Reservations for the 2025 Welcome Home Grant program open on March 1st, 2025, at 8:00 AM ET.
• Funding Availability: Grants are limited and awarded on a first-come, first-served basis.
• Program Duration: The program runs until all funds are reserved.
• Must have contract under agreement to submit for funds. 

Benefits of the Welcome Home Grant:

• Significant financial assistance: $20,000 can make a huge difference in lowering your down payment and closing costs.
• More affordable monthly payments: A smaller down payment translates to a lower mortgage amount and potentially lower monthly payments.
• Opens doors to homeownership: The grant can make homeownership more accessible for those facing financial constraints.

Next Steps:

1. Check your eligibility: Visit the this  Kentucky Welcome Home Grant Qualifying Criteria or contact a participating lender to confirm you meet the income and other requirements. 
2. Find a participating lender: A list of participating lenders is available on the FHLBC website or here --->>> Kentucky Lenders for Welcome Home Grant 2025.
3. Get pre-approved: Getting pre-approved shows the seller you're a serious buyer and helps you understand your budget.
4. Be prepared on March 1st: Have all necessary documents ready to submit your reservation for the grant as soon as applications open.
5. Income Limits for Kentucky Welcome Grant for all Kentucky Counties below:👇
6. 👉Kentucky welcome grant income limits for 2025

Kentucky Welcome Home Buyer Eligibility

A homebuyer would be eligible for the Kentucky Welcome Home grant if all of the following guidelines are met:

• The total income for all occupants who will reside in the home is at or below 80 percent of the Mortgage Revenue Bond (MRB) limit for the county and state where the property is located;
• A fully executed (signed by buyer and seller) purchase contract on an eligible property is in hand;
• The homebuyer has at least $500 of their own funds to contribute towards down payment and/or closing costs; and,
• If a first-time homebuyer (typically anyone who has not owned a home in the last three years), a satisfactory homebuyer counseling course is completed prior to the loan closing.
  Note: Applicants do not have to be first-time homebuyers.
  

Kentucky Property Eligibility

The Kentucky Welcome Home grant is available for various property types:

• The property will be the homebuyer’s primary residence;
• The property is a single family, townhome, condominium, duplex, multi-unit (up to four family units) or a qualified manufactured home. (Manufactured homes may be eligible if they are taxed as real estate and affixed to a permanent foundation); and,
• The property is subject to a legally enforceable five-year retention mechanism, included in the Deed or as a Declaration of Restrictive Covenants to the Deed, requiring the FHLB Cincinnati be given notice of any refinancing, sale, foreclosure, deed in-lieu of foreclosure, or change in ownership during the five year retention period.
  

Beginning March 1, 2025, the Federal Home Loan Bank of Cincinnati offers grants of up to $25,000 for honorably discharged veterans, surviving spouses of military personnel, and active duty military homebuyers and up to $20,000 for all other homebuyers to assist with down payment and closing costs for income eligible homebuyers through the Welcome Home Program. Who are Eligible Homebuyers?
A homebuyer would be eligible for the Welcome Home grant if all of the following guidelines are met: The total income for all occupants who will reside in the home is at or below 80 percent of the Mortgage Revenue Bond limit for the county and state where the property is located –


In Jefferson County 1 or 2 person families can make up to $71,760. 3-4 persons in the household cap at $82,584. The limits are slightly higher or lower in the surrounding counties like Bullitt, Henry, Oldham, Spencer, Hardin, Meade, Nelson and Spencer Counites. see limits below



2025 Income Limits Kentucky Welcome Program Below:


Use the 80% limits for the Welcome Home Program

Kentucky Welcome Home Grant 2025 Income Limits for the $20,000 Grant.

Use the 80% limits for the Welcome Home Program

Use the 100% limits for the Disaster Reconstruction Program

Home Buyer Eligibility

A homebuyer would be eligible for the Welcome Home grant if all of the following guidelines are met:


The total income for all occupants who will reside in the home is at or below 80 percent of the Mortgage Revenue Bond (MRB) limit for the county and state where the property is located;
A fully executed (signed by buyer and seller) purchase contract on an eligible property is in hand;
The homebuyer has at least $500 of their own funds to contribute towards down payment and/or closing costs; and,

If a first-time homebuyer (typically anyone who has not owned a home in the last three years), a satisfactory homebuyer counseling course is completed prior to the loan closing.
Note: Applicants do not have to be first-time homebuyers.

Property Eligibility

The Welcome Home grant is available for various property types:


The property will be the homebuyer’s primary residence;
The property is a single family, townhome, condominium, duplex, multi-unit (up to four family units) or a qualified manufactured home. (Manufactured homes may be eligible if they are taxed as real estate and affixed to a permanent foundation); and,
The property is subject to a legally enforceable five-year retention mechanism, included in the Deed or as a Declaration of Restrictive Covenants to the Deed, requiring the FHLB Cincinnati be given notice of any refinancing, sale, foreclosure, deed in-lieu of foreclosure, or change in ownership during the five year retention period.

A fully executed (signed by buyer and seller) purchase contract on an eligible property is in hand; 

The homebuyer has at least $500 of their own funds to contribute towards down payment and/or
closing costs; And, If a first-time homebuyer (typically anyone who has not owned a home in the last three years), a satisfactory homebuyer counseling course is completed prior to the loan closing. 

YOU DO NOT HAVE TO BE A FIRST-TIME BUYER TO OBTAIN THIS GRANT.

What is an Eligible Property?

A property would be eligible if all of the following guidelines are met:
The property will be the homebuyer’s primary residence; The property is a single family, townhome, condominium, duplex, multi-unit (up to four family units); And, The property is subject to a legally enforceable five-year retention mechanism – this means it is forgiven at a rate of 20% per year and if you sell before 5 years, they will be repaid part of the grant.

 

 Email - kentuckyloan@gmail.com 

  

 Call/Text - 502-905-3708

Joel Lobb
Mortgage Loan Officer - Expert on Kentucky Mortgage Loans

 Website: www.mylouisvillekentuckymortgage.com
 Address: 911 Barret Ave., Louisville, KY 40204

---

Evo Mortgage
Company NMLS# 1738461
Personal NMLS# 57916

For assistance with Kentucky mortgage loans, reach out via email, call, or text Joel Lobb directly.

The view and opinions stated on this website belong solely to the authors, and are intended for informational purposes only. The posted information does not guarantee approval, nor does it comprise full underwriting guidelines. This does not represent being part of a government agency. The views expressed on this post are mine and do not necessarily reflect the view of my employer. Not all products or services mentioned on this site may fit all people.
NMLS ID# 57916, (www.nmlsconsumeraccess.org).

The best Kentucky first-time homebuyer programs in Kentucky

Top Loan Programs for First-Time Homebuyers in Kentucky FHA, VA, USDA and KHC Down Payment Grants

Provided By

Joel Lobb, Mortgage Broker FHA, VA, KHC, USDA

 Buying your first home in Kentucky can be both exciting and overwhelming. With the right loan programs and financial assistance, homeownership is more achievable than ever. Whether you need low down payment options, credit flexibility, or down payment assistance, there are Kentucky first-time home buyer programs designed to help.

In this guide, we’ll cover FHA, VA, USDA, Kentucky Housing Corporation (KHC), and down payment assistance programs to help you make the best decision.

Kentucky First-Time Home Buyer Loan Programs

1. FHA Loans – Low Down Payment, Credit-Friendly

Best for: Buyers with lower credit scores or limited savings

Minimum Credit Score: 580 (3.5% down), 500 (10% down)
Debt-to-Income (DTI) Ratio: Up to 57% with compensating factors
Mortgage Insurance: Required for the life of the loan
Down Payment Assistance Available: Yes
Why Choose an FHA Loan?
FHA loans are perfect for first-time home buyers in Kentucky who may not have a perfect credit history or large down payment. These loans are insured by the government, making them easier to qualify for.

2. VA Loans – No Down Payment for Military Buyers

Best for: Veterans, active-duty service members, and eligible spouses

Minimum Credit Score: 580-620 (varies by lender)
Down Payment: $0 down payment required
Mortgage Insurance: None (No PMI)
Debt-to-Income Ratio: Up to 50%+ with strong credit

Why Choose a VA Loan?

VA loans provide 100% financing, meaning no down payment is required. They also have lower interest rates and no private mortgage insurance (PMI), making them one of the best loan programs for Kentucky first-time homebuyers who qualify.

3. USDA Loans – 100% Financing for Rural Buyers

Best for: Buyers looking in USDA-eligible rural or suburban areas

Minimum Credit Score: 640 preferred
Down Payment: $0 down payment required
Income Limits: 115% of the area’s median income
Location Restrictions: Must be in a USDA-eligible area

Why Choose a USDA Loan?

If you’re looking to buy in a qualifying rural area, a USDA loan offers 100% financing, meaning no down payment is needed. It’s a great option for buyers with limited savings.

4. Kentucky Housing Corporation (KHC) Loans – Down Payment Assistance

Best for: First-time buyers needing down payment and closing cost help

Minimum Credit Score: 620+
Down Payment Assistance: Up to $10,000
Income Limits: Varies by county

Key Factors for Kentucky First-Time Home Buyers in 2025

1. Credit Scores: The Gateway to Mortgage Approval

Your credit score determines loan eligibility and interest rates. Here’s what you need:

Minimum Scores:

FHA Loans: 580+ (3.5% down) or 500–579 (10% down).

Conventional Loans: 620+.

Improving Your Score: Pay down debt, dispute errors, and avoid new credit lines. Learn how to boost your credit score here (internal link).

2. Down Payments: How Much Do You Really Need?

Kentucky Average Down Payment: 6–10% (

–
13,500–22,500 on a $225k home).

Low Down Payment Options:

FHA Loan: 3.5% down.

USDA Loan: 0% down (rural areas).

KHC Down Payment Assistance: Up to $10,000 for eligible buyers. Explore Kentucky Housing Corporation (KHC) programs (external link).

3. 2025 Interest Rate Trends in Kentucky

Average rates are projected at 6.2–7.5% (Freddie Mac, 2024). Lock in lower rates by improving your credit score and shopping lenders.

4. Income Ratios: What Lenders Look For

Most lenders use the 28/36 rule:

28% of gross income on housing costs.

36% on total debt.

5. Kentucky Home Prices: Where to Buy

Louisville: $250k median.

Lexington: $275k median.

Rural Areas: As low as $150k.

Joel Lobb, Kentucky Mortgage Expert on FHA, VA, USDA and KHC
Joel Lobb, Mortgage Broker FHA, VA, KHC, USDA

+1 502-905-3708
kentuckyloan@gmail.com

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How to Qualify For A Kentucky Mortgage Loan

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1 -  Email - kentuckyloan@gmail.com 

2.   Call/Text - 502-905-3708

Joel Lobb
Mortgage Loan Officer - Expert on Kentucky Mortgage Loans

 Website: www.mylouisvillekentuckymortgage.com
 Address: 911 Barret Ave., Louisville, KY 40204

---

Evo Mortgage
Company NMLS# 1738461
Personal NMLS# 57916

For assistance with Kentucky mortgage loans, reach out via email, call, or text Joel Lobb directly.

Kentucky Local Home Loan Lender Services

 First-Time Home Buyers Welcome
 FHA, Rural Housing (USDA), VA, and Kentucky Housing Corporation (KHC) Loans
 Conventional Loan Options Available
 Fast Local Decision-Making
 Experienced Guidance Through the Home Buying Process

If you are an individual with disabilities who needs accommodation, or you are having difficulty using our website to apply for a loan, please contact us at 502-905-3708.

Disclaimer: No statement on this site is a commitment to make a loan. Loans are subject to borrower qualifications, including income, property evaluation, sufficient equity in the home to meet Loan-to-Value requirements, and final credit approval. Approvals are subject to underwriting guidelines, interest rates, and program guidelines and are subject to change without notice based on applicant's eligibility and market conditions. Refinancing an existing loan may result in total finance charges being higher over the life of a loan. Reduction in payments may reflect a longer loan term. Terms of any loan may be subject to payment of points and fees by the applicant  Equal Opportunity Lender. NMLS#57916http://www.nmlsconsumeraccess.org/

Kentucky Housing Corporation (KHC) has reintroduced its $2,000 Closing Cost Grant,

 The Kentucky Housing Corporation (KHC) has reintroduced its $2,000 Closing Cost Grant, effective March 18, 2025. This grant is designed to assist homebuyers in Kentucky by covering some of the upfront costs associated with purchasing a home. Here's how it can help:

Key Features of the KHC $2,000 Closing Cost Grant

• No Repayment Required: The grant does not need to be repaid, making it a valuable resource for those who need financial assistance with closing costs.

• Combination with Other Programs: It can be combined with KHC's $10,000 Down Payment Assistance Program (DAP), allowing homebuyers to access a total of $12,000 in assistance. This combination can significantly reduce the amount of money needed upfront for a home purchase.

• Eligibility: While specific eligibility criteria are not detailed in the provided information, typically these programs require applicants to meet certain income limits, purchase price limits, and other qualifications.

How It Helps Homebuyers

• Reduces Upfront Costs: By covering closing costs, homebuyers can allocate more funds towards other expenses or save money for future needs.

• Increases Affordability: Combining the grant with the DAP can make homeownership more accessible by reducing the financial burden of down payments and closing costs.

• Simplifies the Homebuying Process: Having additional financial support can make the process less stressful and more manageable for first-time or low-income homebuyers.

Overall, the KHC $2,000 Closing Cost Grant is a beneficial resource for those looking to purchase a home in Kentucky, especially when used in conjunction with other assistance programs.

1. $2,000 Closing Cost Grant – No repayment required
2. Can be used for down payment, closing costs, and prepaid expenses 
3. Can be combined with KHC’s $10,000 Down Payment Assistance Program (DAP) Limited availability – Only $1 million available for the first 500 homebuyers Starts March 18, 2025 – Act fast before funds run out!

How to Apply for the KHC Closing Cost Grant

Applying for the grant is simple! Here’s how:

Get Pre-Approved – Work with a KHC-approved mortgage lender (like myself!) to determine your eligibility.
Find a Home – Once pre-approved, start house hunting with confidence.
Apply for Assistance – Your lender will help you apply for both the $2,000 Closing Cost Grant and $10,000 Down Payment Assistance Program if you qualify.
Close on Your Home – Use the funds to lower your upfront costs and move in with less money out of pocket!

•  First-come, first-served – Limited to the first 500 homebuyers
•  Available for purchase loans only (not refinances)
•  Can be combined with the KHC Down Payment Assistance Program (DAP) and Federal Home Loan Bank (FHLB) funds
•  Listed as a gift in GUS (Guaranteed Underwriting System), DU (Desktop Underwriter), and LPA (Loan Product Advisor)
• Grant confirmation available at reservation

https://notebooklm.google.com/notebook/0a9189d5-f3d5-4c22-a36b-889349289af1/audio

1 -  Email - kentuckyloan@gmail.com 

2.   Call/Text - 502-905-3708

Joel Lobb
Mortgage Loan Officer - Expert on Kentucky Mortgage Loans

 Website: www.mylouisvillekentuckymortgage.com
 Address: 911 Barret Ave., Louisville, KY 40204

---

Evo Mortgage
Company NMLS# 1738461
Personal NMLS# 57916

For assistance with Kentucky mortgage loans, reach out via email, call, or text Joel Lobb directly.

Kentucky Local Home Loan Lender Services

 First-Time Home Buyers Welcome
 FHA, Rural Housing (USDA), VA, and Kentucky Housing Corporation (KHC) Loans
 Conventional Loan Options Available
 Fast Local Decision-Making
 Experienced Guidance Through the Home Buying Process

Grants for First Time Home Buyers in Kentucky

$20,000 Grant Money Available for Kentucky Home Buyers – First-Time Home Buyers Assistance!

Are you a first-time home buyer in Kentucky looking for financial assistance? The Federal Home Loan Bank has created a special fund to help low-to-moderate income families achieve homeownership. This $20,000 grant is designed to assist home buyers with down payments and closing costs, making it easier to secure a home without the burden of large upfront expenses.

Grant Money for First-Time Home Buyers in Kentucky

The Federal Home Loan Bank grant is an excellent opportunity for Kentucky home buyers who meet income requirements. If you're struggling with saving for a down payment or need extra funds for closing costs, this program can help. Funds are limited and will be available starting March 3rd until they are reserved.

Household Income Limits Per County

To qualify for this home buyer grant, your household income must fall within the limits set for your county. Below are the income eligibility requirements for households with 1-2 persons and 3+ persons:

County	1-2 Person(s) Income Limit	3+ Persons Income Limit
Nelson	$73,284	$84,277
Washington	$73,796	$84,866
Larue	$74,596	$85,786
Hardin	$74,596	$85,786
Bullitt	$77,120	$88,688
Marion	$68,544	$79,968
Jefferson	$77,120	$88,688
Anderson	$73,076	$84,038
Franklin	$73,588	$84,626
Woodford	$76,160	$87,584
Mercer	$73,684	$84,737

Other counties may be available for eligibility.

Who Can Apply for This Home Buyer Grant?

This program is designed for low-to-moderate income households who need financial assistance to purchase a home. It is ideal for first-time home buyers in Kentucky looking for an affordable way to buy a home without high out-of-pocket costs.

Benefits of This Grant for Kentucky Home Buyers

• Receive $20,000 in grant money for down payment and closing costs.
• Helps first-time home buyers afford a home sooner.
• Makes homeownership more accessible for low-to-moderate income families.
• Available in multiple counties across Kentucky.

How to Apply for the Kentucky Home Buyer Grant

Funds for this program will be available starting March 3rd and will be distributed on a first-come, first-served basis. If you're interested in applying, it's essential to get pre-qualified as soon as possible.

For more information on qualifying for this first-time home buyer grant in Kentucky, or to start your application, contact Joel Lobb, Senior Loan Officer at American Mortgage Solutions, Inc.

📞 Call/Text: (502) 905-3708
📧 Email: kentuckyloan@gmail.com
🌐 Website: MyLouisvilleKentuckyMortgage.com

Act Fast – Funds Are Limited!

If you're a first-time home buyer in Kentucky, this $20,000 grant could be the key to owning your dream home. Don't wait until funds run out—start your home buying journey today!

First-Time Home Buyer's Guide to Mortgage Approval in Kentucky

Are you a first-time home buyer in Kentucky dreaming of owning your own piece of the Bluegrass State? The path to homeownership starts with getting approved for a mortgage loan. While the process might seem daunting, we're here to break it down into manageable steps. Let's walk through the journey of securing your first mortgage in Kentucky.

Step 1: Check Your Credit Score

Your credit score is an important factor in getting approved for a mortgage and the interest rate you'll pay. In Kentucky, most lenders require a minimum credit score of 620 for conventional loans. However, some government-backed loans, such as FHA, VA, and USDA loans, may accept lower credit scores.

• 
  

Step 2: Save for a Down Payment and Closing Costs

While some loans offer low down payment options, having a substantial down payment can improve your chances of approval and potentially lower your interest rate.

• Aim for at least 3.5% to 20% of the home's purchase price
• Don't forget about closing costs, which typically range from 2% to 5% of the loan amount
• Look into Kentucky-specific programs like the Kentucky Housing Corporation's Down Payment Assistance Program, which offers up to $10,000 for eligible first-time buyers

 There are indeed several programs available that can help potential homebuyers achieve this goal. Let's go through some of the main options:

1. Kentucky Housing Corporation (KHC) Programs: KHC offers several down payment assistance programs, including:

• Regular Down Payment Assistance Program
• 
  

These programs can provide up to 10,000 in down payment assistance, which can effectively result in a zero down payment for some buyers.

2. FHA Loans: While FHA loans typically require a 3.5% down payment, this can be covered by down payment assistance programs, effectively resulting in zero down payment for the buyer.
3. VA Loans: For eligible veterans, active-duty service members, and certain military spouses, VA loans offer 100% financing with no down payment required.
4. USDA Rural Development Loans: These loans are available for homes in eligible rural areas and offer 100% financing with no down payment.
5. UWM's $15,000 Welcome Home Grant: This grant program can provide up to $15,000 in down payment assistance for first-time homebuyers.
6. $25,000 Kentucky Welcome Home Grant: This grant can provide up to $25,000 in down payment assistance for eligible homebuyers.
7. 5% Grant: Some lenders offer a 5% grant that can be used towards down payment and closing costs.

Qualifying criteria for these programs generally include:

• Credit Score: Typically, a minimum score of 620 is required, but some programs may accept lower scores.
• Income: Many programs have income limits based on the area's median income.
• Work History: Most lenders prefer a stable work history of at least two years.
• Assets: While these programs aim to help with down payments, having some savings for closing costs and reserves is often beneficial.

It's important to note that qualifying criteria can vary significantly between programs and lenders. Additionally, while these programs can help achieve a zero down payment, buyers should be aware that this often results in higher monthly payments and potentially higher interest rates.

Step 3: Determine Your Budget

Before applying for a mortgage, it's crucial to know how much home you can afford.

• Use the 28/36 rule: Your mortgage payment shouldn't exceed 28% of your gross monthly income, and total debts shouldn't exceed 36%
• Factor in property taxes, homeowners insurance, and potential HOA fees
• Consider future expenses like home maintenance and repairs

Step 4: Gather Necessary Documents

Lenders will require various documents to verify your financial situation. Typically, you'll need:

• Proof of income (W-2 forms, pay stubs, tax returns for the past two years)
• Bank statements for the past few months
• Proof of assets (retirement accounts, investments)
• Identification (driver's license, Social Security number)
• Rental history for the past two years

Step 5: Get Pre-Approved

Pre-approval gives you a clear idea of how much you can borrow and shows sellers you're a serious buyer.

• Shop around with multiple lenders to compare rates and terms
• Submit your financial documents for review
• Receive a pre-approval letter, typically valid for 120 days

Step 6: Choose a Mortgage Type

Kentucky offers various mortgage options for first-time buyers:

• Conventional loans: Typically require higher credit scores but offer competitive rates
• FHA loans: Lower down payment and credit score requirements, but require mortgage insurance
• VA loans: For eligible veterans and service members, offering no down payment options
• USDA loans: For rural home buyers, with no down payment required
• Kentucky Housing Corporation loans: State-specific programs with competitive rates and down payment assistance

Step 7: Find a Home and Make an Offer

With pre-approval in hand, you're ready to house hunt!

• Work with a local real estate agent familiar with Kentucky's market
• Once you find a home, make an offer and negotiate terms
• If accepted, proceed to the final loan application

Step 8: Complete the Full Mortgage Application

Once your offer is accepted, it's time to finalize your mortgage application.

• Choose your lender and loan program
• Provide any additional documentation requested
• Pay for an appraisal to determine the home's value

Step 9: Underwriting Process

The lender's underwriting team will review your application and supporting documents.

• They may request additional information or clarification
• Be prompt in responding to avoid delays
• Avoid making major purchases or changing jobs during this time

Step 10: Closing

If approved, you'll receive a Closing Disclosure detailing your loan terms and closing costs.

• Review this document carefully
• Attend the closing to sign final paperwork
• Bring a cashier's check or arrange a wire transfer for your down payment and closing costs

Congratulations! Once you've completed these steps, you'll be a proud homeowner in the beautiful state of Kentucky.

Remember, the process can vary depending on your specific situation and chosen lender. Don't hesitate to ask questions along the way.

Joel Lobb  Mortgage Loan Officer

Text/call: 502-905-3708

email: kentuckyloan@gmail.com

http://www.mylouisvillekentuckymortgage.com/