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Loan Payments: If you are impacted by the coronavirus and are unable to make your loan payment, please contact us to discuss available loan options. We will work with you to provide the best option for you and your budget.

Mortgage Loan Relief

We are here to help you with your mortgage.

Are you impacted by Coronavirus? 


If you have been impacted financially by the Coronavirus, you may qualify for monthly mortgage payment assistance options, such as a forbearance plan. A forbearance is a temporary suspension of your monthly payments. During the forbearance period, your payments are suspended for a set period of time. However, if you are able to make partial payments, it will reduce the amount due at the end of the forbearance period.

To qualify for forbearance, you must be directly impacted by COVID-19 and no more than 30-days past due at execution of the assistance plan.  Examples of impact include but are not limited to:

At least one of the following must be provided and approved:

  • Loss of job/income
  •  Termination letter from employer
  • Documentation showing receipt of unemployment benefit
  • Reduction of hours/income
  • Temporary job loss
  • Two most recent paystubs showing hours worked, gross pay and year-to-date earnings
  • Off work for medical reasons associated to COVID-19


Forbearance Options*

Qualified borrowers are eligible for a 180-day forbearance of their mortgage or installment home equity loan payments.  Forbearance options include:

*Important Note: Full payment forbearance may result in a large payment increase at the next scheduled escrow analysis due to the lack of payments to escrow during the 180-day forbearance period.


At the end of the forbearance period, you will have two options for paying the mortgage account current.


Late Fees/Credit Reporting

The credit union will waive all late fees accrued during forbearance and credit reporting will show that the loan was affected by a natural or declared disaster.  Late fees prior to forbearance will not be waived. 

How to Apply

Apply by submitting a form request. Please only submit the form ONE TIME. 

Click here to complete the form.

You will receive a phone call from a member of the Lending Support team to discuss payment options typically within five business days of submitting the form. 

Please know that submission of the form does not guarantee eligibility to be placed on the mortgage assistance plan. Eligibility may also be dependent on other guidelines and loan status along with potentially requiring you to submit additional documentation prior to approval.

Please help us by being patient! 

We expect to experience very heavy call volumes and wait times during this time as we work with those experiencing financial hardships due to the Coronavirus Pandemic. The quickest way for us to assist you is by submitting the online form one time only. We sincerely thank you for your patience and ask that you allow us the time to handle your request.

In light of the financial hardships faced by many Kentucky homeowners due to the DOVID-19 pandemic, Kentucky Housing Corporation (KHC) is reactivating its Unemployment Bridge Program for a limited time, effective immediately. KHC has funding available to help approximately 1,500 homeowners with this program.  More information is provided here: KHC Program.

Thank you, we appreciate your membership!

  • Full payment forbearance – make no payments for up to 180 days
  • Partial payment forbearance – make only the escrow portion of the payment during the 180-day forbearance period
  • Full reinstatement: Pay the full amount of all principal, interest and escrow payments accrued during the forbearance period.
  • Payment Deferral: Deferment of suspended or past due principal and interest payments as a non-interest bearing balance, due and payable at maturity of the mortgage loan, or earlier upon the sale or transfer of the property, refinance of the mortgage loan or payoff of the unpaid principal balance and any unpaid fees.

Welcome Home

 First Time Home Buyers 1/1, 3/3 & 5/5 ARMs

Congratulations! You've made a decision to buy your first home. Voted Best Place to Get a Mortgage, we are here to help you!

Your path to becoming a successful homeowner starts with competitive rates and a local lender to guide you through the process. The biggest purchase you’ll ever make requires the dedication and service of a credit union that knows you and helps you along the way. Buying a home can be an overwhelming and emotional process. We understand the human side of finances and work with you to get the right loan that works for your lifestyle. We are ready to help you not only purchase the new home but also to understand the entire purchase process. Plus, we're experts on the inner workings of the mortgage loan process-you'll be in your new home in no time!

We offer all kinds of mortgages, from ARMs to 15 and 30-year fixed. We will help you decide which loan is best for you and your family.

The Adjustable Rate Mortgages (ARMs) in this program are designed for borrowers with minimal funds to invest.

The Welcome Home Mortgage is crafted to help first-time homebuyers navigate the buying process, and can even be utilized by seasoned homebuyers.  

  • A minimum credit score of 680
  • No monthly Private Mortgage Insurance (PMI)
  • No prepayment penalty
  • Gift funds allowed
  • Not limited to first-time homebuyers

Apply for Mortgage Here

Home Equity

 Convenient Home Equity Loan

Put the available equity in your home to use with a convenient home equity loan.

Houses are big investments, and home equity loans and lines of credit let that investment do some heavy lifting. Remodel that kitchen, consolidate high-interest debt, or pay for college tuition. Your interest might be tax-deductible (consult a tax adviser), and because the loan is backed by your house, you get incredibly low rates.

Fast service and low closing costs enable you to quickly begin using your home’s equity.

  • Up to 100% financing
  • No application fee
  • No prepayment penalty

Apply for Home Equity Here


 10, 15, 20 & 30 Year Term

Prefer fixed-rate mortgages? Home Loans available for purchases, refinances or cash-out refinances.

With fast service, no application fee, and low closing costs, our fixed-rate mortgages are excellent!

  • 5% down payment on the purchase
  • A minimum credit score of 620
  • No prepayment penalty
  • Gift funds allowed


 Time To Make Your Move With Our 10/10 ARM

Service One’s Adjustable Rate Mortgages (ARMs) offer a one-of-a-kind mortgage for your one-of-a-kind home.

Our 10/10 Adjustable Rate Mortgage has an attractive locked rate for the first 10 years; then it adjusts every 10 years. ARMs are great if you don’t plan to stay in your home very long or if you expect your income to rise within the next few years. ARMs are also great for refinancing that higher rate mortgage into a new lower-rate loan.

Service One also offers other ARM products such as our 3/3 and 5/5 terms. With low down payments and no Private Mortgage Insurance (PMI), our ARMs are a great choice.

* Available on purchases and refinances of a primary residence. Rate adjustment period: Locked for the first 10 years and adjusts every 10 years for the remainder of the loan term (max. of 2% per adjustment period, or 6% over the life of the loan) which may cause payments to vary. Membership eligibility and credit-granting criteria apply. This offer is subject to change without notice.

Government Home Loans

 USDA Rural Development

30 Year Fixed

Home loans available to those whose property and income meet USDA eligibility criteria.

  • No down payment required
  • Maximum 102% Loan To Value (LTV)
  • A minimum credit score of 620
  • No prepayment penalty
  • Not limited to first-time homebuyers


15 & 30 Year Fixed Rate

FHA Mortgage loans insured by the Federal Housing Administration (FHA) and available for purchases, refinances or cash-out refinances.

  • Only 3.5% down payment required
  • Gift funds allowed
  • A minimum credit score of 620
  • No prepayment penalty


15 & 30 Year Fixed Rate

VA Mortgages are guaranteed by the Department of Veterans Affairs for eligible veterans and are available for purchases, Interest Rate Reduction Refinance Loans (IRRRL) or cash-out refinances.

  • No down payment required
  • A minimum credit score of 620
  • No prepayment penalty
  • No monthly Private Mortgage Insurance (PMI)

Homeowners and Auto Insurance

Trustage co

You trust your credit union to offer products and services to help you do more with what you have.

That’s why we’ve joined with a dedicated team of insurance professionals to bring you the TruStage Auto Insurance Program. TruStage insurance products are available exclusively for members through the CUNA Mutual Insurance Agency, Inc.

Working with carefully selected auto insurance partners, the TruStage Auto Insurance Program can provide discounted rates for credit union members, online services, and 24/7 claims service.

If you haven’t compared auto insurance lately, it’s a great time to take a look. Your credit union membership could result in some nice savings.

Get your no-obligation quote today by calling 1-855-483-2149 or by visiting the TruStage online quote generator by clicking the “Get a Quote” on the TruStage photo.


Check out other insurance products here!

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