A great option for those who may have a low to moderate income households.

Stockton was Kentucky’s #1 rural housing lender three years in a row

  • 100% financing, no down payment is required
  • DTI up to 45.99%
  • Single family detached, single family attached, new manufactured homes allowed and approved condominiums.
  • Non-traditional credit histories may be accepted
  • Flexible credit guidelines, 580 minimum credit score allowed
  • No maximum purchase price
  • Closing costs and prepaids can be rolled into the loan in certain situations
  • Income restrictions apply
  • Please check address eligibility with your SMC loan officer