- Conventional Loans
- Home Equity Line of Credit
- Loan Officers
Loan example: $150,000.00 fixed rate loan – 3.653% annual percentage rate with 360 payments of $684.08 APR as of 10/27/2016; 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 08/26/16; 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.
Promotional closing cost of $99. All promotions require a First Capital Bank of Kentucky checking account. There is a $50 annual fee charged after the first year. Promotional products are for primary residences only. Promotional line of credit cannot be used to payoff or refinance an existing First Capital Bank of Kentucky loan. Homeowner’s property insurance may be required.
*As of 08/26/16. After the nine 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%. Promotion based on a maximum 80% loan-to-value and 720 or greater FICO score. Subject to underwriting and approval. 2.00% early termination penalty applies if the loan pays off within the first 2 years. Other rates and terms are available based on credit and loan-to-value.
Home Equity Line
|Loan to Value||Term||Rate||Annual Percentage Rate (APR)|
|80% or less||120 Months||*Prime with a rate floor of 4.00%||4.00%|
Home Equity lines have variable rates that are subject to change based on Prime Rate. The rate will not exceed 19.00% during the term of your loan. Rate Floor of 4.00%. The rate will not be lower than 4.00% during the term of your loan. The above scenario is based upon a $25,000 line, with a prime rate of 3.25% and $99 closing costs as of 08/26/16. You should consult a tax advisor regarding the deductibility of interest and charges under this plan. Rate based on a FICO score of 680 or greater. Rates are subject to change. Other terms available based on credit and loan-to-value. There is a $50 annual fee charged after the first year.
*Prime rate as published in the Wall Street Journal at the end of the month. The adjusted APR will be effective the first of the month following any change in Prime Rate. Primary residences only on home equity lines. Subject to underwriting and approval. Homeowner’s insurance may be required.
Installment Second Mortgage
|Loan to Value||Term||Rate||Annual Percentage Rate (APR)||Payment / $1,000|
|80% or below||120 Months||4.99%||5.085%||$10.62|
|80.01% - 90%||120 Months||5.99%||6.085%||$11.10|
Rates are effective as of 08/26/16 and based on a loan amount of $25,000. Second Mortgage products require a First Capital Bank of Kentucky checking account. Primary residences only for second mortgages. Closing cost of $99. Rates are subject to change. Rates based on a FICO score of 680 or greater. First Capital Bank of Kentucky offers second mortgages with other terms based on credit and loan-to-value. Subject to underwriting and approval. Homeowner’s insurance may be required.
Meet Our Loan Officers
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 Jeffersontown 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.
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.
Michael McCue, Branch Manager
Michael McCue has over sixteen years’ experience in the banking industry in the Louisville area. Michael joined First Capital Bank of Kentucky in March, 2015 as Assistant Vice President at the Old Brownsboro location.
Prior to this appointment, Michael served Louisville area customers at another financial institution, where he held the position of Assistant Vice President. He takes pride in offering superior customer service by assisting his customers with achieving their financial goals. His vast knowledge of personal lending, mortgage lending, and business development has given him many opportunities to build long-lasting, trusting relationships with his customers.
A Louisville native, Michael attended University of Louisville where he achieved his BA in Business Administration.
Michael is visible in the local community where he may be seen volunteering for Fund for the Arts, Metro United Way, and the Salvation Army, to mention a few.
Kirk Esarey, Branch Manager
Kirk Esarey currently serves as Assistant Vice President, Business Development Officer and Manager of the Middletown Banking Center located at 13704 Shelbyville Road.
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 Graves, Banking Officer
Abby Graves is a 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.
Tony Gregory, Relationship Banker/MLO
Tony Gregory began his banking career in 1999 after serving in the United States Air Force. Tony joined First Capital Bank of Kentucky in November, 2015, as Relationship Banker and Mortgage Loan Originator. His office is located at the Old Brownsboro banking center.
Prior to this appointment, Tony served Louisville area customers at another financial institution as a Mortgage Loan Originator. He takes pride in offering superior customer service by assisting his customers with achieving their financial goals. His vast knowledge of personal lending, mortgage lending, and business development has provided many opportunities for him to build long-lasting, trusting relationships with his customers.
A Louisville native, Tony attended the University of Louisville where he achieved his B.S. in Business Administration.
Tony is visible in the local community where he has coached competitive youth soccer for the past 13 years.
Leisa Baechler, Relationship Banker
Leisa Baechler is the Relationship 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.
Stephen Gering, Relationship Banker
Stephen Gering is the Relationship 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, Relationship Banker
Barb Spratt is the Relationship 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!