Now Peak Personal Finance will turn to looking at regional rates for the best home loans in Kentucky. This is as we continue looking at the best home mortgage rates in the nation for each state or region.

As before, we are assuming a home loan commensurate with area prices and values, good credit of 700 or better (FICO), the ability to pay up to 20% in down payment and/or equivalent equity, and cash on hand to pay fees, which may be expressed as points or fixed dollars or both.

30 Year Fixed Best Home Mortgage Rates in Kentucky
The Money Store offers a 4.901% APR with no points and a fixed $495 in fees. This has a 30-day lock in rate available as well.

Nationwide Advantage Mortgage has a 5.158% APR with 1 point and fixed fees of $1,275 with a 45-day lock.

Quicken then offers a 5.245% APR with 1.875 in points and $1,600 in fees or 5.728% APR for no points and fees based on loan amount. Both have a 45-day lock in period.

15 Year Fixed Best Mortgage Rates in Kentucky
For the best mortgage interest rates here, we look to CapWest Mortgage, which has a 4.568% APR, no points and fixed fees of $749 (30-day lock in).

The Money Store has a 4.716% APR with no points and $995 in fixed fees with a 30-day lock.

5/1 Adjustable Rate (ARM) Best Home Loans in Kentucky
Right now, CapWest Mortgage offers a 3.739% APR with no points and a $749 fixed fee with a 30-day lock in. This is the best home mortgage rates offer for an ARM right now.

Of course, your home purchase is a big decision and the advice of a financial adviser advised. These rates are not likely to apply to your situation, but act as a guideline. A mortgage broker or banker can give you rates tailored to your situation and needs.