- Conventional Loans
- Home Equity Line of Credit
- Loan Officers
Loan example: $150,000.00 fixed rate loan – 4.267% annual percentage rate with 360 payments of $737.91. APR as of 06/29/2015; subject to change. Applies to purchase or refinance; secondary market loans only. Checking account with one direct deposit required to obtain closing cost discount. Minimum loan amount $150,000.00. Offer good for residential property in Jefferson and surrounding counties. Payment example does not include amounts for taxes and insurance. Actual payment may be greater.
$0 Closing Costs Mortgage including Title Insurance!
A First Capital Bank officer must approve promotion for client to receive $0 closing costs. INCLUDES TITLE INSURANCE! Limited Time Only. Loan example: $150,000.00 fixed rate loan – 4.261% annual percentage rate with 360 payments of $737.91. APR as of 06/29/15; subject to change. Applies to purchase or refinance; secondary market loans only. Checking account with one direct deposit required to obtain closing cost discount. Minimum loan amount $100,000.00. Offer good for residential property in Jefferson and surrounding counties. Payment example does not include amounts for taxes and insurance. Actual payment may be greater.
Mortgage Program Options
- Loans to $417,000
- Fixed-Rate Mortgage
- Adjustable-Rate Mortgage (ARM)
- Loans to $4,500,000
- Fixed-Rate Mortgage
- Adjustable-Rate Mortgage (ARM)
- Investment Loan
- Bridge Loan
- Lot Loan
- Construction Loan
- First Time Home Buyers
- Affordable Housing
Available Loan Types
- First Time Home Buyers
- Non-Occupant Borrowers
- Revocable Inter Vivos Trusts
- Portfolio Loans may be made in the name of an LLC or Corporation
- Rate-Term Refinance
- Cash-Out Refinance
- Primary Residence
- Secondary Home and Investment Property
1.00% APR Home Equity Line of Credit for the first 9 months, 4.00% APR Variable Rate after the introductory period.
All promotions require a First Capital Bank PLUS Checking Account. First Capital Bank PLUS Checking Account requirements: $500 minimum balance; $25 monthly fee if balance drops below minimum, $100 fee if account closed within first year.
*As of 06/29/15. After the 9 month introductory period, the annual percentage rate (APR) can be adjusted, based on the Prime Rate as published in the Wall Street Journal at the end of each month. The adjusted APR will be effective the first of the month following any change in Prime Rate, but never lower than 4.00% or higher than 19.00%. Annual fee of $20 may apply. Promotion based on maximum 75% LTV and 720+ credit score. Subject to underwriting and approval. 2.00% early termination penalty applies if loan pays off within first 2 years. Other rates and terms are available.
Home Equity Line
|Loan to Value||Term||Rate||Annual Percentage Rate (APR)|
|80% or less||120 Months||Prime with a rate floor of 5.00%||5.00%|
Home Equity lines have variable rates that are subject to change based on prime rate. The rate will not exceed 19% during the term of your loan. Rate Floor 5%. The rate will not be lower than 5% during the term of your loan. The above scenario is based upon a $25,000 Line, with a prime of 3.25% as of 06/29/15, with no closing costs. You should consult a tax advisor regarding the deductibility of interest and charges under this plan. Home owners insurance required. Rate based on FICO > 680. Rates are subject to change. Other terms available based on credit and loan to value. There is a $20 annual fee charged after the first year.
Installment Second Mortgage
|Loan to Value||Term||Rate||Annual Percentage Rate (APR)||Payment/ $1,000|
|80% or below||120 Months||5.25%||5.34%||$10.73|
|80.01% - 90%||120 Months||6.99%||7.08%||$11.61|
Rates are effective as of 06/29/15 and are based on a loan amount of $25,000 and an approximate cost of $99.00 in Jefferson County, Kentucky. Rates are subject to change. Rates based on FICO > 680. First Capital Bank offers Second Mortgages with other terms; please call our branches for details. Home owners insurance required.
Meet Our Loan Officers
Tommy Thomas | Jim Tilford | James Johns | Tracy Frazier | Jennifer Mattingly | Tyler Ochs | Alex Campbell | Abby Anthony | Kirk Esarey | Leisa Baechler | Amy Elmore | Stephen Gering | Barb Spratt | Gammon Wood
Tommy Thomas, VP, Sr. Banking Officer
Tommy Thomas is Vice President and Senior Banking Officer at our St. Matthews branch.
Born and raised in Louisville, Tommy began his banking career in 2002 after graduating from the University of Kentucky. He has over 10 years of experience in residential and commercial lending. He specializes in residential purchases and refinances as well as complex investment property financing.
Tommy attributes his success to the large customer base that he has developed and the referrals he receives from past and current clients. He believes that local decision-making and underwriting sets First Capital Bank apart from other banks/lenders in Louisville, and plays an important role in his ability to provide excellent customer service.
Jim Tilford, VP, Branch Manager
Jim Tilford is the Branch Manager at our Strathmoor branch.
With over 40 years in the banking industry, Jim provides our customers with a world class lending experience. Since joining us in 2004, Jim has focused on mortgage, business development, and commercial lending.
After graduating from the University of Louisville with a major in Finance, Jim began his banking career in 1968. Jim has, throughout his career, managed loan portfolios as large as $50 million.
Jim is active in his community, serving as a member of the Jeffersontown Chamber of Commerce (serving as Chairman in 2000), St. Matthews Area Chamber of Commerce, Highlands Commerce Guild, and Louisville Economic Chamber of Commerce.
James Johns, Branch Manager
James Johns is the Branch Manager at our St. Matthews branch.
James's banking career includes over 10 years of lending experience in both personal and mortgage lending. James prides himself in giving superior customer service to all of his clients, and considers each customer's need on an individual basis.
He is visible in the St. Matthews community, where he serves as a Board member of St. Matthews Area Chamber of Commerce. His community service includes serving for over six years as a volunteer worker with Senior Care Experts.
Tracy Frazier, Branch Manager
Tracy has been in banking for 14 years where she has specialized in retail banking, customer service, and personal and mortgage lending. She believes in providing her clients with excellent service while focusing on their individual banking needs.
Tracy is visible in the Fern Creek and Bullitt County communities where she is a member of the Fern Creek Chamber of Commerce and the Bullitt County Chamber of Commerce.
Jennifer Mattingly, Branch Manager
Jennifer Mattingly is a highly regarded financial services professional who joined First Capital Bank of Kentucky in February, 2014, as Branch Manager of the Middletown Branch. Prior to this appointment, Jennifer served Louisville-area customers at another financial institution, where she held positions of Banking Officer and Operations Manager. In addition to her experience and organizational skills, she brings with her a passion for extending exceptional customer service to her clients. She takes pride in developing an understanding of each client’s need, her goal being to build trusting relationships and assist them with achieving their financial goals.
A Louisville native, Jennifer attended University of Louisville and Spalding University, where she majored in Marketing, and she resides in Louisville with her family.
Jennifer is visible in the local community where she has volunteered for Junior Achievement, Fund for the Arts, and Metro United Way.
Tyler Ochs, Branch Manager / Business Development Officer
Tyler Ochs is the Branch Manager and Business Development Officer at our Crescent Hill Branch located at 2862 Frankfort Avenue.
A Louisville native, Tyler worked in the insurance business for 11 years and built a book of business from the ground up before making a career change into banking. Tyler enjoys developing and nurturing both personal and business account relationships, and he believes in a ‘client first’ culture that places a premium on excellent customer service, which is the substance that fuels First Capital Bank of Kentucky.
Tyler is a 2001 graduate of The College of Charleston and holds a degree in Corporate Communications. He has volunteered his time with the Board of Directors of Best Buddies Kentucky and also assists with the Board of Directors of University of Kentucky’s Young Alumni Association of Greater Louisville.
Alex Campbell, Branch Manager
Assistant Vice President, and Banking Center Manager at our Strathmoor location – 2735 Bardstown Road.
Alex attended Centre College and received his BA and MBA degrees from Bellarmine University, where he continues to serve on the MBA Advisory Board.
Alex is proud to be a part of a growing local bank and to be a representative for the Louisville Independent Business Alliance. Drawing on his diverse business background and strong relationships in the community, he strives to provide customers with superior service by offering prompt, practical, and reliable answers to their banking needs.
As a banking center manager, Alex has access to all commercial and consumer lending resources of the Bank, as well as its deposit and savings products. He has particular experience with, and especially enjoys, facilitating mortgage transactions, that enable homebuyers realize their dreams of home ownership.
Kirk Esarey, Banking Officer
Kirk Esarey is the Banking Officer at our Old Brownsboro branch.
He has over 7 years of experience and an in-depth knowledge of the mortgage industry, where he has specialized in secondary market and portfolio lending during his career. He believes that his ability to provide excellent service and focus on individual needs of his customers has resulted in his successful customer base.
Kirk is a graduate of St. Xavier High School and University of Kentucky.
Abby Anthony, Assistant Banking Officer
Abby Anthony is Assistant Banking Officer at First Capital Bank of Kentucky, and her office is located at the bank’s St. Matthews branch, 293 N. Hubbards Lane.
A native of Louisville, Abby began her employment with the bank in 2011 as a Teller. Since that time, she has provided excellent customer service to both Retail and Mortgage customers. Abby strives to be great at giving customers the service they’ve come to expect from First Capital Bank by assisting them with a wide variety of needs. Her goal is to develop long-lasting banking relationships with her customers.
Leisa Baechler, Personal Banker
Leisa Baechler is the Personal Banker at our Frankfort Avenue branch.
Leisa has over 25 years of experience in her banking career. She specializes in retail banking, including personal and mortgage lending. She believes in providing her clients with excellent service while focusing on their individual banking needs.
Leisa graduated from Sacred Heart Academy. She is visible in the area where she volunteers at St. Albert the Great, St. Matthews Episcopal, Sacred Heart Academy, and Trinity High School.
Amy Elmore, Personal Banker
Amy Elmore is the Personal Banker at our Fern Creek branch.
Amy's banking career includes 4 years of experience in both personal banking and mortgage lending, as well as 5 years experience in real estate. She is a graduate of Murray State University with a Bachelor's degree in Marketing, and she is able to provide a full range of banking services to customers that are individual to their needs, while emphasizing exceptional customer service.
Stephen Gering, Personal Banker
Stephen Gering is the Personal Banker at our Strathmoor branch.
Stephen grew up in the Strathmoor neighborhood, making him very knowledgeable of the area, as well as surrounding neighborhoods. He enjoys helping customers with all of their banking needs, but he especially enjoys the opportunity to see first time home buyers achieve their dream of owning their own home.
Barb Spratt, Personal Banker
Barb Spratt is the Personal Banker at our Jeffersontown branch.
Barb has been in banking since 1978 with experience as a Teller, Customer Service Representative and Assistant Manager. From 2002 until 2007 she worked as a Loan Originator and Processor for our Mortgage company. This experience has given her a broad range of knowledge and expertise in both retail banking and consumer and mortgage lending. She prides herself on excellent customer service and appreciates being able to develop a "one on one" relationship with her customers, something she feels only a local bank can offer!
Gammon Wood, Personal Banker
Gammon Wood serves as Personal Banker for First Capital Bank’s Middletown Branch, located at 13704 Shelbyville Road.
He was born and raised in Louisville, Kentucky and is a Trinity High School graduate. He also attended the University of Kentucky.
Gammon began his banking career in 2005 as a customer service representative. Since that time, he has grown both personally and professionally by serving many customers. He enjoys assisting customers with their personal and business accounts, and making recommendations based on the customer’s needs.