Union KY
Jumbo Mortgage Lender
Serving Boone County's most distinguished communities—Triple Crown, Wetherington, and Gunpowder Creek Estates—with premium jumbo financing for Cincinnati executives and high-net-worth families.
Loan Programs for Union Homebuyers
Whether you're purchasing in Triple Crown Estates or building in Wetherington, we have financing to match Union's premium real estate.
Why Cincinnati Executives Choose Union
Kentucky Tax Advantages
4% flat state income tax, no vehicle property taxes, and lower property tax rates than Ohio suburbs.
Top-Rated Schools
Ryle High School and Boone County Schools consistently rank among Kentucky's best public school districts.
Cincinnati Access
25-minute commute to downtown Cincinnati, easy CVG Airport access, and proximity to NKY corporate campuses.
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Union KY Mortgage FAQs
What is the jumbo loan limit in Boone County, Kentucky?
Boone County follows Kentucky's conforming loan limit of $832,750 for 2026. Loans exceeding this amount require jumbo financing. Union's luxury market frequently requires jumbo loans, with median home prices around $450,000 and many estates in Triple Crown and Wetherington exceeding $1 million.
What credit score is needed for a jumbo loan in Union KY?
Most jumbo lenders in the Union market require minimum credit scores of 700-720. However, our network of 240+ wholesale lenders includes options starting at 680 for well-qualified borrowers with strong reserves and lower loan-to-value ratios.
How much down payment is required for luxury homes in Union?
Jumbo loans in Union typically require 10-20% down payment. High-balance conventional loans between $832,750 and $1.15 million may qualify for lower down payments. Many Cincinnati executives relocating to Union utilize our physician and executive loan programs with reduced down payments.
Why do Cincinnati professionals choose to live in Union KY?
Union offers Kentucky's lower state income tax (4% vs Ohio's 3.75%+), no vehicle property taxes, excellent Ryle and Cooper schools, and a 25-minute commute to downtown Cincinnati. The Triple Crown and Wetherington communities provide estate living with Cincinnati amenities.
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Why Contact Emmett?
- ✓ Local Union market expertise
- ✓ Access to 240+ wholesale lenders
- ✓ Same-day pre-qualification available
- ✓ No obligation, free consultation