NMLS#
684107
About
Central Bank & Trust Company
Central Bank & Trust Company is a reputable real estate lending company serving individuals and businesses in need of financial solutions for property purchases or investments. With a strong focus on customer satisfaction, our company offers a range of lending services tailored to meet the diverse needs of our clients. Backed by years of experience and a team of knowledgeable professionals, we provide competitive loan options, flexible repayment terms, and personalized assistance throughout the lending process. At Central Bank & Trust Company, we strive to empower our customers with the resources they require to achieve their real estate goals efficiently and securely.
Loan programs at
Central Bank & Trust Company
1. Fixed-Rate Mortgage: Our fixed-rate mortgage offers stability and peace of mind with a consistent interest rate throughout the life of the loan. It is ideal for borrowers who prefer a predictable monthly payment.
2. Adjustable-Rate Mortgage (ARM): With an ARM, borrowers can take advantage of a lower initial interest rate for a specific period before it adjusts periodically. This program suits those planning to sell or refinance before the rate adjustment.
3. Jumbo Loans: For higher-priced properties, we offer jumbo loans that exceed the conforming loan limits set by government agencies. These loans provide financing options for luxury homes or properties in expensive markets.
4. FHA Loans: Backed by the Federal Housing Administration, FHA loans help lower-income borrowers secure homeownership with more flexible credit requirements and a lower down payment.
5. VA Loans: Exclusive to eligible veterans and military personnel, VA loans offer competitive interest rates, no down payment, and limited closing costs, making homeownership more accessible for those who have served our country.
6. USDA Loans: Our USDA loan program caters to rural and suburban homebuyers who meet income and location requirements. These loans offer low or no down payment options and favorable interest rates.
7. Construction Loans: If you're planning to build a new home from scratch, our construction loans provide the necessary funds during various stages of the building process, helping you bring your dream home to life.
8. Home Equity Loans: Utilize the equity built in your home to fund major expenses like home improvements, debt consolidation, or education. Our home equity loans offer competitive rates and flexible repayment terms.
9. Reverse Mortgages: Available to homeowners aged 62 and older, a reverse mortgage allows access to a portion of their home's equity, providing a source of income while still retaining ownership of the property.
10. Bridge Loans: When you need short-term financing to bridge the gap between the sale of your current home and the purchase of a new one, our bridge loans offer a flexible solution with competitive rates.
Please note that this is a factual listing of our loan programs. Contact us for further details or to discuss specific eligibility requirements and terms.
States
is licensed to work in
Contact Lender
Bradley Sutherland C.
2424 Harrodsburg Rd Suite 100, Lexington, KY 40503
(859) 6155 253