Home Mortgage Loans in Nashville and Surrounding Area
Our loans provide competitive interest rates and terms for borrowers who qualify. Contact us today to apply and begin your journey toward home purchase or to refinance your current home!
What is a Conventional Home Loan?
A conventional home loan refers to a type of mortgage that is not insured or guaranteed by the government, such as the Federal Housing Administration (FHA) or the Department of Veterans Affairs (VA). It is a popular choice among homebuyers who have good credit and can afford a down payment. With a conventional home loan, the lender evaluates the borrower's creditworthiness, income, and financial history to determine eligibility and loan terms. These loans typically offer a variety of fixed or adjustable interest rate options and may have different repayment terms, such as 15-year or 30-year mortgages.
Ready to purchase your new home or refinance?
Contact us today to discuss home loan options and to ask any questions that you may have. Our experienced professionals are here to answer your questions and guide you through the loan process.
Ken Smart
Senior Vice President, Nashville Office
Ken is Senior Vice President and lives here in Nashville. He is a graduate of Western Kentucky University with a degree in finance and a minor in military science. Ken is a former officer of the United States Army Reserve. Ken holds post graduate degrees in banking from both KBMI School of Bank Management, LSU Graduate School of Banking, and the ABA Stonier Graduate School of Banking. Ken has over thirty years of banking / lending experience with expertise in commercial real estate, residential real estate, construction lending as well as consumer lending.
Why Morgantown Bank and Trust?
Morgantown Bank and Trust cares about its customers like family and make you a customer for life. Morgantown Bank is a locally owned community bank headquartered in South Central Kentucky. We understand your needs and work hard to provide you with competitive products and to avoid as much of the “red tape” as possible and that is so often the case in today’s “big bank” environment.