Conventional Loans
Union, Kentucky
Competitive conventional mortgage rates for Union homebuyers. Financing up to $832,750 with as little as 3% down for Boone County families.
Union Conventional Loan Benefits
3% Down Payment
First-time buyers can start with just 3% down
PMI Removal
Cancel PMI at 80% LTV unlike FHA loans
Competitive Rates
Access to 240+ wholesale lenders for best pricing
Flexible Terms
15, 20, 25, and 30-year fixed rate options
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Union Conventional Loan FAQs
What is the minimum down payment for a conventional loan in Union KY?
Conventional loans in Union start at just 3% down for first-time buyers, though 5-20% is more common. With 20% down, you avoid PMI entirely. Our 240+ wholesale lenders offer competitive PMI rates when putting less than 20% down.
What credit score do I need for a conventional loan in Union?
Most conventional loans require a 620 minimum credit score. For the best rates in Union, aim for 740+. We can help borrowers with scores in the 620-700 range find competitive options through our wholesale network.
What is the maximum conventional loan amount in Boone County?
The 2026 conforming loan limit for Boone County is $832,750. For homes above this price, you'll need a jumbo loan. Many Union homes fall within conventional limits, especially in established neighborhoods.
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Why Contact Emmett?
- ✓ Local Union market expertise
- ✓ Access to 240+ wholesale lenders
- ✓ Same-day pre-qualification available
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