LoansByEmmett
Florence Y'all • NKY Hub

Florence KY
Mortgage Lender

Your local mortgage specialist for Florence and Boone County. FHA loans, conventional financing, and Kentucky down payment assistance for first-time buyers and growing families.

Get Pre-Approved(866) 617-7381
New homes in Florence Kentucky Boone County
$285K
Median Home Price
3.5%
FHA Down Payment
20 Min
To Downtown Cincinnati
33K+
Population Growth

Loan Programs for Florence Homebuyers

Whether you're buying your first home or upgrading for a growing family, we have financing options for Florence's diverse market.

FHA Loans

3.5% down payment with flexible credit requirements. Perfect for first-time Florence buyers and those rebuilding credit.

Learn More →

Conventional Loans

Competitive rates with cancelable PMI. Ideal for buyers with 5-20% down and good credit scores.

Learn More →

Why Families Choose Florence

Major Employment Hub

Home to Amazon, DHL, Toyota affiliates, and St. Elizabeth Healthcare. Short commutes to Cincinnati corporate offices.

Excellent Schools

Boone County Schools rank among Kentucky's best. Conner High School and multiple elementary options for families.

Family-Friendly Amenities

Florence Mall, recreation centers, Cincinnati premium access, and the iconic Florence Y'all water tower community spirit.

Florence Mortgage Calculator

Estimate payments for Florence homes

Monthly Payment Calculator

Calculate your estimated monthly mortgage payment including taxes and insurance

%$70,000
%
Estimated Monthly Payment
$2,563
Principal & Interest$1,863
Property Tax (est.)$350
Home Insurance (est.)$350
Loan Amount$280,000

Florence KY Mortgage FAQs

What is the median home price in Florence Kentucky?

Florence's median home price is approximately $285,000, making it an affordable gateway to Northern Kentucky. This puts most homes well within FHA and conventional loan limits, perfect for first-time buyers and growing families.

Do you offer FHA loans in Florence KY?

Yes! FHA loans are popular in Florence due to 3.5% down payment requirements and flexible credit guidelines. FHA is ideal for first-time buyers and those with credit scores from 580-620.

What down payment assistance is available in Florence?

Kentucky Housing Corporation (KHC) offers down payment assistance programs including Regular DAP ($6,000), Affordable DAP (up to 4% of loan), and KHC Hardest Hit (up to $35,000 for designated areas). We help Florence buyers maximize these programs.

Why is Florence popular with Cincinnati commuters?

Florence offers a 20-minute commute to downtown Cincinnati via I-71/75, Kentucky's lower taxes, excellent Boone County schools, and the famous Florence Y'all water tower. Major employers include Amazon, DHL, and numerous corporate headquarters.

Serving Florence, Kentucky

Get Your Home Loan Quote

Connect with Emmett directly. Quick response, personalized guidance for your Florence home purchase.

Prefer to Talk?

(866) 617-7381

Available 7 days a week

Why Contact Emmett?

  • ✓ Local Florence market expertise
  • ✓ Access to 240+ wholesale lenders
  • ✓ Same-day pre-qualification available
  • ✓ No obligation, free consultation