Personal Banking Mortgage

Mortgage Loans

For more information on mortgage types or rates, please contact your Home Federal Loan Officer at 606-324-7196 or email mortgages@hfsl.com.


Fixed-Rate Mortgages

A locked-in fixed-rate mortgage provides you with the security of having the same interest rate over the life of the loan and the comfort of knowing that your monthly principal and interest payment will not change.


Adjustable-Rate Mortgage (ARM)

An Adjustable Rate Mortgage (ARM) may provide customers with the flexibility of a lower starting interest rate and initial monthly payment. ARM loans are better for those who are not planning to stay in the property for a long-term, or expect their income to rise over time. It is important to keep in mind that the rate adjusts based on market rates, and fluctuates periodically based on financial market conditions, which may result in a higher monthly payment.


First Time Homebuyers

Buying a home is the single largest purchase and investment most of us will ever make. Home Federal has several options to assist first-time homebuyers needing a loan with a higher loan-to-value.


Construction Loans

Building a new home or purchasing a home under construction? Home Federal offers great solutions to help you save both time and money.


Interest-Only Mortgage Payments



Buying a Home



Fair Housing/Equal Opportunity



Mortgage Calculators