Welcome to Lexington, known as the Horse Capital of the World. This vibrant city offers a unique blend of equestrian culture, historic charm, and a diverse real estate market. Whether you’re enchanted by the rolling horse farms or prefer city living, Local Jumbo is here to help you secure a mortgage solution in Lexington that suits your needs.
Ready to make Lexington your home or considering refinancing in the Horse Capital of the World? Connect with Local Jumbo’s network of Jumbo Verified™ lenders for competitive rates and a personalized mortgage plan tailored to your aspirations in Lexington.
Crafting Mortgage Solutions for Lexington’s Unique Homes
Lexington’s real estate is as diverse as its equestrian heritage. From historic homes in charming neighborhoods to modern residences in the heart of the city, our lenders specialize in crafting mortgage solutions that match the distinctive housing styles of Lexington.
- Explore a variety of mortgage types for Lexington’s diverse properties: Jumbo, Conforming, ARMs, FHA, VA, Interest-Only, Land, Construction, Bridge Loans, Cross-Collateralization, and Foreign National Loans.
- Innovative financing for homes, whether they are nestled among the bluegrass fields or downtown’s vibrant streets.
- Mortgage plans that embrace the uniqueness of Lexington’s neighborhoods, from historic districts to modern developments.
- Lending expertise to navigate Lexington’s competitive real estate market.
- Competitive rates for both home purchase and refinancing in the Horse Capital of the World.
Aligning Your Mortgage with Lexington’s Equestrian Lifestyle
Living in Lexington means immersing yourself in the equestrian world, from attending horse races to exploring scenic trails. Our lenders create mortgage solutions that seamlessly align with your vision of life in the Horse Capital of the World.
2024 KENTUCKY CONFORMING LOAN LIMITS BY COUNTY
| County | One-Unit Limit | Two-Unit Limit | Three-Unit Limit | Four-Unit Limit |
| ADAIR COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| ALLEN COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| ANDERSON COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| BALLARD COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| BARREN COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| BATH COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| BELL COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| BOONE COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| BOURBON COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| BOYD COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| BOYLE COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| BRACKEN COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| BREATHITT COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| BRECKINRIDGE COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| BULLITT COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| BUTLER COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| CALDWELL COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| CALLOWAY COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| CAMPBELL COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| CARLISLE COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| CARROLL COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| CARTER COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| CASEY COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| CHRISTIAN COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| CLARK COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| CLAY COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| CLINTON COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| CRITTENDEN COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| CUMBERLAND COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| DAVIESS COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| EDMONSON COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| ELLIOTT COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| ESTILL COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| FAYETTE COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| FLEMING COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| FLOYD COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| FRANKLIN COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| FULTON COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| GALLATIN COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| GARRARD COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| GRANT COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| GRAVES COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| GRAYSON COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| GREEN COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| GREENUP COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| HANCOCK COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| HARDIN COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| HARLAN COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| HARRISON COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| HART COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| HENDERSON COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| HENRY COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| HICKMAN COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| HOPKINS COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| JACKSON COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| JEFFERSON COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| JESSAMINE COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| JOHNSON COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| KENTON COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| KNOTT COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| KNOX COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| LARUE COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| LAUREL COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| LAWRENCE COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| LEE COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| LESLIE COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| LETCHER COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| LEWIS COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| LINCOLN COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| LIVINGSTON COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| LOGAN COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| LYON COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| MCCRACKEN COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| MCCREARY COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| MCLEAN COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| MADISON COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| MAGOFFIN COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| MARION COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| MARSHALL COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| MARTIN COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| MASON COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| MEADE COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| MENIFEE COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| MERCER COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| METCALFE COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| MONROE COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| MONTGOMERY COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| MORGAN COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| MUHLENBERG COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| NELSON COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| NICHOLAS COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| OHIO COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| OLDHAM COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| OWEN COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| OWSLEY COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| PENDLETON COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| PERRY COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| PIKE COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| POWELL COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| PULASKI COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| ROBERTSON COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| ROCKCASTLE COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| ROWAN COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| RUSSELL COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| SCOTT COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| SHELBY COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| SIMPSON COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| SPENCER COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| TAYLOR COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| TODD COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| TRIGG COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| TRIMBLE COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| UNION COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| WARREN COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| WASHINGTON COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| WAYNE COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| WEBSTER COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| WHITLEY COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| WOLFE COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
| WOODFORD COUNTY | $766,550 | $981,500 | $1,186,350 | $1,474,400 |
GET YOUR QUOTE TODAY!
SERVING BUT NOT LIMITED TO THE FOLLOWING COMMUNITIES IN AND AROUND LEXINGTON
Neighborhoods
Chevy Chase-Ashland Park, Reservorir, Indian Hills-Stonewall Estates-Monticello, Crestwood-Hinda Heights, Fairway-Liberty Heights, Garden Springs, Twin Oaks, Elkhorn Parks-Radcliff, Brookhaven-Lansdowne, Gardenside-Colony, Lakeview Acres, Coletown, Bracktown, Winchester Rd / Man O War Blvd & Athens / Avon.
Zip Codes
40502, 40503, 40504, 40505, 40506, 40507, 40508, 40509, 40510, 40511, 40513, 40514, 40515, 40516 & 40517
Counties
Fayette County, Woodford County, Franklin County, Henry County, Owen County, Scott County, Harrison County, Bourbon County, Clark County, Madison County, Estill County, Jackson County, Clay County, Rockcastle County & Laurel County.