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Fort Campbell, KY

The Best Mortgage Lenders in Fort Campbell, KY

Compare verified mortgage lenders serving Fort Campbell, Kentucky. Find competitive rates on conventional, FHA, VA, and jumbo loans from experienced professionals.

3
Top Lenders
4.8
Avg Rating
725+
Reviews
6
Loan Types

Available Loan Programs in Fort Campbell

VA Loans
Conventional Loans
FHA Loans
Jumbo Loans
Refinancing
USDA Loans

Featured Mortgage Lenders

1

Fort Campbell Federal Credit Union

Fort Campbell Federal Credit Union

★★★★☆
4.8/5

Fort Campbell Federal Credit Union is exceptionally well-positioned to serve military families and civilians at Fort Campbell with deep institutional knowledge of the unique needs of military borrowers. As a local credit union with over six decades of service, they specialize in VA loans and offer personalized service with competitive rates. Their on-base location provides unparalleled convenience for military personnel, and they have extensive experience with PCS moves, BAH calculations, and military-specific lending scenarios that other lenders may not fully understand.

Experience:68 years
Reviews:125 customer reviews
2601 Indiana Ave, Fort Campbell, KY 42223

Loan Types:

VA LoansConventional LoansFHA LoansJumbo LoansRefinancing
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2

Churchill Mortgage

Churchill Mortgage Corporation

★★★★☆
4.7/5

Churchill Mortgage has established itself as a top-rated mortgage lender serving the Fort Campbell area from their nearby Clarksville, Tennessee location. With Dave Ramsey's endorsement and three decades of experience, they are particularly skilled with VA loans and military lending. Their commitment to relationship-based lending and educational approach helps military families make informed decisions. They consistently receive high marks for transparent communication, competitive rates, and handling the unique timing challenges that military families often face with deployments and relocations.

Experience:30 years
Reviews:385 customer reviews
1717 Memorial Dr, Clarksville, TN 37043

Loan Types:

VA LoansConventional LoansFHA LoansUSDA LoansJumbo LoansRefinancing
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3

Fairway Independent Mortgage Corporation

Fairway Independent Mortgage Corporation

★★★★☆
4.8/5

Fairway Independent Mortgage's Clarksville branch serves as a premier mortgage provider for the Fort Campbell military community, earning exceptional reviews for their VA loan expertise and customer service. With nearly three decades in business and multiple industry awards, they offer competitive rates and a streamlined process specifically designed for military borrowers. Their local team understands the nuances of military lending, including how to properly calculate military income and handle unique deployment situations. They're known for their responsive communication and ability to close loans efficiently despite complex military circumstances.

Experience:27 years
Reviews:215 customer reviews
1800 Memorial Dr, Clarksville, TN 37043

Loan Types:

VA LoansConventional LoansFHA LoansUSDA LoansJumbo LoansRefinancing
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Frequently Asked Questions

Common questions about mortgage lending in Fort Campbell, KY

What special mortgage programs are available for military and VA buyers in Fort Campbell?

Fort Campbell homebuyers have excellent access to VA loans, which require no down payment and no private mortgage insurance. Many local lenders are highly experienced with VA-specific requirements and military relocations. You may also qualify for Kentucky Housing Corporation (KHC) programs that can be combined with VA benefits for enhanced affordability.

How does being near a military base affect Fort Campbell's housing market and mortgage lending?

The Fort Campbell area experiences consistent housing demand due to military rotations, creating a stable rental and resale market. Lenders here are familiar with military pay structures and frequent PCS moves, making the mortgage process smoother for service members. However, competition can be strong for homes in certain price ranges close to base.

What are typical mortgage rates and closing costs for homebuyers in the Fort Campbell area?

While rates fluctuate with national trends, Fort Campbell buyers often secure competitive rates due to strong lender competition for military clients. Closing costs typically range from 2-5% of the home price, but VA loans limit what veterans can pay in certain fees, potentially reducing overall costs compared to conventional loans.

Are there specific first-time homebuyer programs in Kentucky that Fort Campbell residents should consider?

Yes, the Kentucky Housing Corporation offers several first-time buyer programs including down payment assistance and competitive interest rates. Military families stationed at Fort Campbell may qualify for these programs even if they're not Kentucky natives, and can often combine them with VA loan benefits for maximum advantage.

How do lenders handle BAH (Basic Allowance for Housing) when qualifying for a mortgage at Fort Campbell?

Most lenders serving the Fort Campbell area will count BAH as stable income for mortgage qualification, typically requiring proof of BAH entitlement and military status. This significantly boosts purchasing power for service members, though lenders may apply slightly different guidelines for counting BAH depending on your specific circumstances and loan program.

Nearby Cities

Explore mortgage lenders in cities near Fort Campbell, KY

Why Choose a Mortgage Lender in Fort Campbell?

Local Market Knowledge

Lenders who understand Fort Campbell'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 Fort Campbell and get competitive rates on your home loan.