Loan Products & Services

Explore Home Loan Options in Cadiz KY

At Quality Home Mortgage, we believe no two buyers are the same — and neither are their home loans. That’s why we offer a full range of financing options designed to meet your needs, whether you’re purchasing your first home, upgrading, refinancing, or building from the ground up.


Based in Cadiz, KY, we serve clients throughout Western Kentucky with personalized mortgage solutions and transparent guidance.

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Our Mortgage Programs at a Glance

From government-backed loans to conventional financing, we help clients choose the right product based on credit history, income, down payment ability, and long-term financial goals.

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FHA Loans

Best for: First-time buyers, buyers with lower credit.


FHA loans offer flexible qualification standards and lower down payments, making them a great option for buyers entering the market.

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VA Loans

Best for: Eligible veterans, active-duty military, and surviving spouses


VA loans offer zero down payment, no private mortgage insurance (PMI), and favorable rates for those who serve.

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USDA Rural Housing Loans

Best for: Buyers in eligible rural areas (including much of Western KY)


USDA loans offer 100% financing with no down payment and low mortgage insurance costs.

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Conventional Loans

Best for: Buyers with stable credit and income


These standard mortgage options offer flexible terms, competitive rates, and fewer restrictions compared to government-backed loans.

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Renovation Loans

Best for: Buyers or homeowners looking to fund home improvements



Bundle your home purchase and renovation costs into one loan — ideal for fixer-uppers.

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Construction Loans

Best for: Building a home from the ground up



Construction loans provide financing for the build process and can often convert to a permanent mortgage upon completion.

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First-Time Home Buyer Programs

Best for: New buyers needing guidance and financial assistance


We specialize in educating first-time buyers and helping them access down payment assistance and other supportive programs.

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Down Payment Assistance

Best for: Buyers short on upfront funds



We help qualifying buyers tap into local and state assistance programs that can cover part or all of the required down payment.

Not Sure Which Loan is Right for You?

That’s what we’re here for

Our team takes the time to get to know your situation — income, credit history, future plans — so we can recommend a loan that fits your long-term goals, not just your short-term needs.



We don’t believe in one-size-fits-all mortgages. We believe in mortgages that make sense.

FAQs About Our Mortgage Services

  • Can I get pre-approved before I find a house?

    Yes! We recommend getting pre-approved to understand your buying power and show sellers you’re serious.

  • Do you help with refinancing?

    Absolutely. We assist with conventional, FHA, and VA refinance options to help lower rates or tap equity.

  • How do I qualify for down payment assistance?

    Eligibility depends on income, location, and credit. We’ll guide you through programs that match your profile.

  • What if I want to renovate or build?

    We offer renovation and construction loans designed to finance either upgrades or new construction — all under one roof.

Talk to a Local Loan Expert Today

Choosing the right mortgage starts with having the right team behind you. Call or visit Quality Home Mortgage to speak with a loan expert who’s here to listen, guide, and deliver real options.