You’ve Got Questions
We’ve Got Answers

Are you just starting the mortgage loan process? Feeling a bit lost or overwhelmed? Well you’ve come to the right place. We have plenty of resources for first time buyers, or those that just need a quick refresher!

First Time Home Buyer?

Unsure of where to start when it comes to mortgage resources or even figuring out whether you can afford a home or not? Well you have come to the right place. With flexible mortgage options for buyers of all ages and income levels, Century Mortgage has a team of Loan Officers interested in helping to guide you through your first home purchase.

Find Resources

Mortgage Loan Basics

Don’t let a fear of the unknown keep you from exploring the numerous options out there for potential home buyers. Home buyers across the United States leave options on the table every day simply because they are unaware of the choices that they have. Century Mortgage has the industry experience that only comes from navigating the waters of mortgage loans for years.

Learn More

The Century Mortgage Difference

With all the different options, it’s easy to understand why more and more people in Kentucky, Tennessee, Ohio, and Indiana are trusting Century Mortgage with their home loans and permanent financing on your new construction.

We take the time to fully understand your personal and fiscal background in order to best decide which loan option is right for you. Why trust your financial future to a website when our dedicated team of loan officers will sit down with you face-to-face to discuss what is best for you and your family?

No matter what your situation is, our loan officer team will be able to educate you on what options you have available. When you work with Century Mortgage, you’ll be able to choose from a full assortment of conventional loans, including 30 and 15-year fixed rate mortgages. We also offer government-sponsored loans, such as mortgages for veterans of the military (VA), as well loans for people buying homes in rural areas. Both of these loan options feature attractive rates and lower than usual down payment requirements.

If you still have questions about each of these specific loans, we’ve created this handy guide to show you exactly what to expect from each of our unique loan options. You can even use our Mortgage Loan Calculator to figure out how much you would be paying for your next mortgage.


The default loan terms provided in this mortgage calculator are not necessarily being offered as currently available by Century Mortgage Company. Contact a loan officer for information regarding currently available interest rates. Note that the amount provided as a principal and interest payment does not include other amounts commonly included in your monthly payment including taxes, homeowners insurance, flood insurance, and private mortgage insurance. Please consult a loan originator for a discussion of your unique financial circumstances and for a loan estimate with costs and rates of programs for which you may qualify. This estimate does not include items such as taxes, mortgage insurance, and home insurance.

Our Most Common Questions

We want to be there for you during your next home mortgage or loan refinance. Our amazing loan officers will help you navigate the tricky ins-and-outs of home mortgage loans. With a focus on the highest customer service and low rates, you won’t find a better mortgage company.
Century Mortgage’s Fixed Rate Loan Options

Century Mortgage offers multiple different loan terms, which allows you to choose the one that best matches your desired payment and the time by which you want to fully pay your mortgage. The longer the repayment period, the lower your monthly payments are likely to be. However, you will pay some additional interest if your loan term is longer, because of the extended length of your loan.

What is a Conventional, Fixed Rate Loan?

These are the most common types of loan in the market. Known for their reliability and simplicity, these loans are perfect for those that have good credit and a stable income. A Conventional loan typically has more flexible terms and lower interest rates than some other loan types. This is because the borrower usually has a more stable income and is less of a risk to the lender.

Conventional loans are offered using two styles of rates, Fixed Rate and Adjustable Rate. A fixed rate loan means that once your interest rate is set, it will never increase or decrease unless you choose to refinance. This is perfect if you wish to stay in your home for at least 5 years and are interested in having a fixed monthly payment that doesn’t change from the start of the loan to the end.

What if I’m a Military Veteran?

If you have served in the military or are currently serving our country, a VA Home Loan can be the perfect option. This loan is administered by the Department of Veteran’s Affairs, and is eligible for veterans who have served on active duty or in the reserves. There are very clear eligibility requirement for this loan based on the applicant’s specific deployment, but our loan officers can help you ensure that you are fully qualified for this amazing opportunity. Those who qualify may find these loans advantageous over conventional loans, as they can require little money down, have a limit on closing costs, and no private mortgage insurance requirements.

What if my Home is in a Rural Area?

If you are purchasing a home in an area that is removed from city life, you may qualify for a USDA Home Loan. If the house falls on land designated as rural by the US Department of Agriculture, you may be eligible for a home loan at a lower government rate with a lower down payment. These loans also have low private mortgage insurance requirements, and much more flexible credit score guidelines. Want to know if your desired property qualifies? Visit the USDA website.

What our clients say

Great effort by a great group of people when I purchased my first home. Really took the time to explain EVERYTHING to ensure I had a clear understanding of what I was getting myself into. Definitely will go through again when I purchase my next home.- Immanuel H
Getting ready to do my 4th mortgage (3 mortgages and a refi) with Century out of the Louisville office. They have been my lender of choice for 16 years now. The process has been quick and easy and staff are always very friendly.- Jim K
We just recently closed on our brand new home and couldn't be happier:) The underwriting process is nerve wracking and stressful however the underwriter worked very hard with my mortgage broker and after a few bumps got the deal done and we are so thankful! Thank you Century for helping to make our dream of owning a home come true!!!- Angie M

Don’t wait any longer. Request Your Pre-Approval Today!

Still have questions or want to begin the process for your next mortgage? Contact us today and we will put you in contact with one of our knowledgeable Loan Officers who can help you get your next mortgage secured today.

Rates and programs subject to change without notice. Program eligibility subject to credit and underwriting approval. Century Mortgage is not affiliated with the United States Department of Agriculture or the United States Department of Veterans Affairs.

Contact Us We Really Do Want to Hear From You
Interested in getting a mortgage? Have a general question for our Loan Officers? Just want to say hello? Send us an email and we will get back with you as soon as possible!