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Lexington Purchase and Refinance Mortgage Rates - Jumbo and Conforming

Find Your Dream Home in Lexington with Local Jumbo

A picturesque Lexington horse farm with rolling bluegrass fields.

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.