Looking for just the large loan amounts home loan programs in Kentucky that fit your unique situation? Start your free personalized mortgage review by clicking here.
Large Loan Amounts Options for Purchasing a Home
We searched our national mortgage program database to find all of the purchase home loan options specific to Kentucky:
Flagstar Jumbo Express Purchase Loan
Best For: Large Down Payments, Large Loan Amounts, High Credit Scores, Savvy Investors
Flexible jumbo purchase option with 10% down option, flexible qualification guidelines, and lower credit score requirements.
Min. Credit Score
660
Min. Down Payment
10%
Max. Loan Amount
$3,500,000
Chase Jumbo Purchase Loan
Best For: Large Down Payments, Large Loan Amounts, High Credit Scores
Fixed and adjustable-rate jumbo mortgage options for loan amounts up to $3 million—down payments as low as 10.01% and flexible qualification.
Min. Credit Score
680
Min. Down Payment
10.01%
Max. Loan Amount
$3,000,000
VA High-Balance Purchase Loan
Best For: Large Loan Amounts, Zero Down
The VA high-balance mortgage (often called "VA Jumbo") is used for loans above the conforming limit—allowing homebuyers to maximize their VA benefits.
Min. Credit Score
640
Min. Down Payment
0%
Max. Loan Amount
$1,500,000
Wells Fargo Jumbo Purchase Loan
Best For: Large Down Payments, Large Loan Amounts, High Credit Scores
Fixed and adjustable-rate jumbo mortgage options for loan amounts up to $3 million—flexible qualification and competitive interest rates.
Min. Credit Score
700
Min. Down Payment
20%
Max. Loan Amount
$3,000,000
AIG Jumbo Purchase Loan
Best For: Large Down Payments, Large Loan Amounts, High Credit Scores, Lowest Rates
Fixed-rate jumbo mortgage option for loan amounts up to $2 million—also available for second homes and investment properties.
Min. Credit Score
680
Min. Down Payment
20%
Max. Loan Amount
$2,000,000
Special Programs for Large Loan Amounts
These additional loan programs available in Kentucky may provide help for down payment and closing costs, qualification for borrowers who don't fit the traditional mold, and unique portfolio programs for special situations.
Angel Oak - Asset Qualifier Mortgage Loan
Best For: Flexible Terms, Large Loan Amounts, High Credit Scores, Cash-Out
30 year fixed loans from $250k - $3 Million.
Min. Credit Score
700
Min. Down Payment
25%
Max. Loan Amount
$3,000,000
Angel Oak - Investor Cash Flow (DSCR) Loan
Best For: Flexible Terms, Large Loan Amounts, Savvy Investors
DSCR Loans ranging from $75,000 to $1.5 million.
Min. Credit Score
680
Min. Down Payment
20%
Max. Loan Amount
No Limits
Carrington Investor Advantage Program
Best For: Large Loan Amounts, Easy Qualification, Easy Process, Savvy Investors
Carrington DSCR Investor Cash Flow
Min. Credit Score
N/A
Min. Down Payment
15%
Max. Loan Amount
No Limits
* Some loan programs may not be offered by all featured lenders of ReviewMyMortgage.com and qualification guidelines may vary between them. Our team makes their best effort to keep loan program information up to date. Loan programs may change without warning. ReviewMyMortgage.com does not guarantee or offer any loan products. ReviewMyMortgage.com is strictly an educational resource hub for consumers.
How It Works
What loans do I qualify for?
By answering a few simple questions, you'll receive a personalized review of mortgage options specific to your area.
Related Resources
Better information to make better home financing decisions.
By ReviewMyMortgage Admin
Understanding Loan-Level Price Adjustments (LLPAs) and Their Impact on Mortgage Rates
Loan-Level Price Adjustments (LLPAs) play a crucial role in determining the interest rate and fees associated with your mortgage. Whether you’re a first-time homebuyer or refinancing, understanding LLPAs can help you make informed decisions and potentially save thousands. This guide breaks down how LLPAs work, who they affect, and how you can reduce their impact on your mortgage rate.
Read More
By ReviewMyMortgage Admin
Veterans Administration Mortgage Loans in 2025: A Comprehensive Guide
The Veterans Administration (VA) mortgage loan remains one of the most valuable benefits provided to those who serve. Since its inception, the VA home loan program has helped millions of veterans achieve homeownership. With VA loans offering attractive benefits such as no down payment and competitive interest rates, 2025 is an excellent time for veterans to leverage this powerful tool to secure their dream home.
Read MoreAre you a mortgage professional?
Learn about our unique sponsorships, including RMM PROLender, that can take your production to the next level.
Get in Touch