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No matter if you’re buying your first home, second home or home away from home, we’re here to help you through the process every step of the way. Together, we will find a solution that best fits your needs.  

Find Your Local Lender

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Open Fixed Rate Mortgage

No surprises here. With a fixed rate mortgage, the interest rate remains the same for the entire life of the loan making budget planning a breeze. 

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Open Adjustable Rate Mortgage

As the market rates fluctuate, so will an adjustable rate mortgage. 

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Open Balloon Mortgage

For this loan the ratio of principal to interest changes throughout the repayment period, typically leaving a large balance at the end of the loan life. This is an ideal option for commercial property or land. 

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Open Kentucky Housing Corporation: FHA/USDA Mortgage

Qualified applicants, both first time and repeat homebuyers, may be eligible for this government backed loan with down payment assistance available. 

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Open Refinancing

Need to change your loan terms? Refinancing your existing loan with a new one could be a great solution. 

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Open Bridge Loan

This short term loan helps homebuyers during the transaction period of buying and selling a home, secured by your existing home. 

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Open Construction Loan

Building a home? You many need a short-term loan during construction that covers building costs, prior to permanent financing. This one is for you. 

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Open Jumbo Loan

For home loans exceeding $510,400, a jumbo loan offers additional fixed and adjustable rate options. 

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Prefer to start your journey from the comfort of home? Apply online today and get prequalified. 

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Specific information about servicing concerns or a suspected error on a mortgage secured loan should be provided in writing to the address listed below. If delivered to another location, your written notice may not receive timely response as required by regulation. 

Independence Bank
Attn: Loan Operations
P.O. Box 988
Owensboro, KY 42302-0988 

 Inquiries or general loan questions may be handled by calling Loan Operations at 1-877-621-1776. 

Personal Loans 

 Just like you, we have goals. Ours just happens to be to help you meet yours. Our personal loans make it easy for you get the financing you need for all of life’s big and small moments.  

Open Home Equity Line of Credit (HELOC)

Life doesn’t wait, and neither should you. Take the liberty to access the equity in your home to fund your goals. Like remodeling your home, sending your child to college or finally taking that vacation you’ve always wanted. The freedom is yours.  

Benefits Include: 

  • Consistent payments 
  • Easy access to approved funds through convenience checks 
  • Up to 85% loan-to-value not exceed $250,000 

 Call or stop by your nearest Independence Bank location today for current rates, terms and conditions. 

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Open Agricultural Lending

Feel the freedom to expand your land. We work cooperatively with other farm lending programs like USDA Farm Service Agency Loan Programs or the Kentucky Agriculture Finance Cooperation so we can be an invaluable partner to you. 

Open Operating Lines of Credit

From off-season expenses, to equipment maintenance costs, our operating line of credit provides you with the short-term cash you need to help keep your farm production growing.  

Open Real Estate Loans

With flexible repayment terms, a real estate loan can help you get the capital you need to start or  grow your farm.  

Open Equipment Loans

Enjoy flexible repayment terms for both new and used machines, from small tractors to large combines.  

Call or stop by your nearest Independence Bank location today for current rates, terms and conditions. 

Purchasing a home can be simple with the right set of tools. Visit our Mortgage Resource Center to learn about your home equity, access financial calculators or set a mortgage rate watch notification.