Personal Services

Mortgage Programs

Wilson & Muir Bank - Mortgage Division
130 St. Matthews Avenue
Louisville, KY 40207

There are many reasons to choose Wilson & Muir Bank's Mortgage Division for your real estate needs. Our team of experts offers clients many advantages.

  • We move fast, so you can make your move quickly.
  • We partner with several of the nation's top mortgage service providers to offer the widest array of products and services.
  • Utilizing state-of-the art underwriting technology at application time permits us to provide you fast loan approvals!
  • We offer competitive closing costs. We even offer an option that features no closing costs!
  • Our range of loan products includes fixed rates, balloons, intermediate adjustable rates, interest only, bridge and home equity lines of credit.
  • In addition, we have access to the products and services you desire.

    • FHA, VA and RHS approved
    • Fannie Mae & Freddie Mac partners
    • Kentucky Housing Lender

Mortgage Loan Products*

At WMB, we offer a wide range of loan products to meet your needs, including Conventional, RHS, VA & FHA loans, as well as several Adjustable Rate Mortgage Programs (ARMs), construction, bridge, and investment property loans. Our team of certified professionals will create a loan that offers you minimum risk and the best possible value. Approvals happen quickly, and customer service is second to none. Need 100 percent financing? We can help. We'll even arrange alternative forms of financing for challenged buyers or property. When you are buying, we're always open to helping you close!

Our full line of mortgage products includes -

Conventional Fixed, Adjustable Rate Mortgages (ARMs), Balloon and Interest Only loans offer up to 100% financing.

Executive Jumbo Loans
Executive Jumbo Loans are designed for the borrower who needs to obtain a loan that is greater than the Fannie Mae limit ($417,000) and is subject to change yearly. Options include interest only loans to maximize your interest expense or adjustable rate loans. One of our mortgage loan specialists will help you determine the best option for your needs.

Residential Investment Loans
are designed for properties between one and four units.

Bridge Loans
are designed to make your transition from one home to the other as smooth as possible; utilizing your home's equity.

Construction Loans
allow individuals to work with their own contractor and make interest-only payments on the portion used at the time. These loans are generally available to clients that have been pre-approved for their permanent financing.

Long-Term Rate Lock Program
allows you to lock-in today's interest rate with options up to twelve months while you have your home constructed. Up front fees may apply for rate commitments exceeding 60 days.

Rural Housing Loans (RHS)
no down payment. Subject to income limits and limited county availability.

Veteran Administration Loans (VA)
require no down payment and no mortgage insurance, though VA funding fees may apply.

Federal Housing Authority (FHA) Fixed and Adjustable Rate Loans require a minimum down payment and closing costs.

Please contact one of our Mortgage Specialists today to learn more about these or any of our other mortgage products. We move fast, so you can, too!

Check out our Mortgage Calculator at Financial Calculators to find out which loan is best suited for you. We provide quick pre-approvals to assist you when shopping for a new home.

Checklist for fast approvals
Apply for a loan
Mortgage Specialists

*available to qualifying customers

At Wilson & Muir Bank one of the things I’m most proud of is the fact that we help local businesses succeed in the community we serve. It’s very rewarding to work for a bank that allows me to personally assist the people who help keep Nelson County strong and that’s Why it’s My Bank, too.

Davis L. Huston,
Senior Vice President
Main Office

Cash Management Home Mortgage FDIC