The Best Mortgage Lenders in Dice, KY
Compare verified mortgage lenders serving Dice, Kentucky. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.
Available Loan Programs in Dice
Featured Mortgage Lenders
Fairway Independent Mortgage Corporation
Fairway Independent Mortgage Corporation
Fairway Independent Mortgage Corporation is a top-rated lender known for its exceptional customer service and competitive rates, with a strong presence in Kentucky. They specialize in a wide range of loan products, including government-backed options like FHA and VA loans, making them ideal for serving rural areas like Dice. With hundreds of positive reviews highlighting their responsiveness and expertise, they have built a reputation for reliability and community focus over nearly three decades.
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Guaranteed Rate
Guaranteed Rate, Inc.
Guaranteed Rate offers a modern, digital mortgage experience combined with personalized service, earning high marks for competitive rates and customer satisfaction. They serve Dice and surrounding areas with a variety of loan types, including FHA and VA loans, and are recognized for their innovative technology and efficient processes. With over two decades of experience, they have a solid track record of helping borrowers in Kentucky achieve their homeownership goals.
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New American Funding
New American Funding
New American Funding is highly regarded for its diverse loan options and commitment to underserved communities, including rural areas like Dice. They offer competitive rates and programs like F
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Frequently Asked Questions
Common questions about mortgage lending in Dice, KY
What are the current average mortgage rates for homebuyers in Dice, KY?
Mortgage rates in Dice typically align with national averages but can be slightly higher due to the rural nature of the area and smaller local lender competition. As of late 2024, you might expect 30-year fixed rates around 6.5-7% for qualified buyers, but consulting with local lenders like those in nearby Somerset or London will provide the most accurate, personalized rates.
Are there any first-time homebuyer programs specific to the Dice, KY area?
Yes, the Kentucky Housing Corporation (KHC) offers statewide programs like "HFA Preferred" and "Regular KHC" loans, which provide competitive interest rates and down payment assistance. These are accessible to Dice residents and can be particularly helpful given the area's moderate income levels, often requiring lower minimum credit scores than conventional loans.
How does the rural property appraisal process work in Dice, and are there any unique challenges?
Appraising rural properties in Dice can be challenging due to fewer comparable home sales ("comps") in the immediate area. Lenders often require appraisers familiar with Pulaski or Wayne County who can properly value land, outbuildings, and well/septic systems, which may extend the loan processing timeline compared to urban areas.
What types of properties in Dice might qualify for USDA rural housing loans?
Most properties in Dice qualify for USDA loans since it's located in a designated rural area. These zero-down-payment loans are ideal for moderate-income buyers looking at single-family homes, provided the property meets USDA safety standards and is their primary residence. This program is particularly valuable given Dice's agricultural character.
How do property taxes in Pulaski County affect mortgage payments in Dice?
Pulaski County has relatively low property tax rates compared to national averages, currently around 0.75% of assessed value. This means your escrow payments for taxes will be lower, making homeownership more affordable. However, you should verify the exact tax amount for any specific property, as rates can vary slightly within the county.
Why Choose a Mortgage Lender in Dice?
Local Market Knowledge
Lenders who understand Dice's housing market can offer better guidance and competitive rates.
Multiple Loan Options
Access to conventional, FHA, VA, USDA, and jumbo loans tailored to your financial situation.
Proven Track Record
Work with lenders who have years of experience and hundreds of satisfied customers in Kentucky.
Ready to Find Your Perfect Mortgage Lender?
Connect with top-rated mortgage professionals in Dice and get competitive rates on your home loan.