Trusted Georgetown Mortgage Lender

Your Home Loan Should Work for You — Not the Other Way Around

At Bank of England Mortgage, we cut through the jargon and find loan programs that actually fit your life. No pressure, no surprises — just clear guidance from Georgetown to closing.

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25+ Years Serving KY
1,000+ Families Helped
4.8★ Local Reviews
Beautiful home in Georgetown Kentucky
What We Offer

Mortgage Solutions Tailored to Your Goals

Whether you're a first-time buyer, refinancing, or investing, we have a program designed for your situation.

First-Time Home Buyers

Low down payment options, down payment assistance programs, and patient guidance through every step. We make homeownership feel possible.

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Refinancing

Lower your rate, shorten your term, or cash out equity. We'll run the numbers and tell you honestly if it makes sense for you.

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FHA & Conventional Loans

From 3% down conventional loans to FHA's flexible qualifying, we match you with the program that fits your financial picture.

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Jumbo & Non-QM Loans

Need to finance above conforming limits or have a unique income situation? We offer jumbo and non-qualified mortgage solutions.

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Veterans & Military Loans

VA loans with no down payment and no mortgage insurance. We understand military life and streamline the process for you.

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Investment Properties

Expand your portfolio with competitive rates on rental properties, fix-and-flip loans, and multi-unit financing.

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Bank of England Mortgage office in Georgetown
25+ Years in Georgetown
About Us

A Local Mortgage Partner You Can Trust

Bank of England Mortgage has been a cornerstone of Georgetown's financial community for over two decades. We're not a call center — we're your neighbors, right here on East Main Street.

We believe mortgage decisions are personal. That's why we take the time to understand your goals, explain your options in plain language, and walk with you from pre-approval to the day you get your keys.

Locally owned & operated in Georgetown since 1998
Direct access to your loan officer — no call centers
Competitive rates with no hidden fees or surprises
Fast pre-approvals so you can make offers with confidence
How It Works

Your Path from Pre-Approval to Closing

We've simplified the mortgage process so you know exactly what to expect at every step.

01

Free Consultation

Call or email us to discuss your situation. We'll review your goals, budget, and timeline — no obligation, no pressure.

02

Get Pre-Approved

We'll pull your credit, run the numbers, and issue a pre-approval letter so sellers take your offer seriously.

03

Choose Your Loan

We'll present your best options with clear comparisons so you can pick the loan that fits your life — not just the lowest rate.

04

Closing Day

We handle the paperwork, coordinate with title and escrow, and make sure you walk into your new home with confidence.

Client Stories

What Our Clients Say

Real feedback from real homeowners in the Georgetown area.

★★★★★

"We were nervous about our first home purchase, but the team at Bank of England Mortgage made it feel simple. They explained everything in plain English and got us a rate we couldn't beat. Couldn't recommend them more."

MR
Michael & Rachel Georgetown, KY
★★★★★

"Refinancing felt daunting until we called Bank of England Mortgage. They walked us through every option, ran the numbers honestly, and we ended up saving over $200 a month. Professional, friendly, and straightforward."

JT
James T. Georgetown, KY
★★★★★

"As a veteran, I needed someone who understood VA loans. The staff here went above and beyond — zero down payment, no mortgage insurance, and they made the whole process painless. I'm so grateful."

SK
Sarah K. Bourbon County, KY

Ready to Make Your Move?

Whether you're buying your first home, refinancing, or exploring options, a free consultation with our team can clarify your path. No pressure, no obligation — just honest advice from people who care.

Call (859) 494-6004 Email Us Today

Or visit us at 137 E Main St, Georgetown, KY 40324

Contact Us

Let's Start the Conversation

Have questions about your loan options? Want to schedule a consultation? Reach out — we'd love to hear from you.

Address 137 E Main St, Georgetown, KY 40324

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