Fort Campbell's Kentucky side
Kentucky construction loans
Our Kentucky work centers on Christian County and the Fort Campbell area. If your land is in Kentucky, Kentucky rules apply, and we know them. We start with a conversation, not an application.
Building in Kentucky
Fort Campbell straddles the Tennessee and Kentucky line, and many soldiers, veterans, and military families shop both sides. For a construction loan, the state your land is in decides the rules.
Many of the buyers we work with in Kentucky build on rural land in Christian County, often with a manufactured or modular home or a modest site-built home.
Kentucky at a glance
- Where we focus
- Christian County and the Fort Campbell area
- City we serve
- Hopkinsville, plus Oak Grove, Pembroke, and the surrounding county
- Our team
- Johnson City, TN, by phone, video, and email
What to check first when you build in Kentucky
Who issues your building permit
In Kentucky, local building departments handle residential permits. In Christian County, that's the joint Hopkinsville-Christian County Community and Development Services, and Oak Grove has its own inspector.
Septic approval
Under Kentucky law, local health departments issue septic permits on behalf of the state. In Christian County, that's the Christian County Health Department.
Manufactured homes and state inspection
Kentucky's Department of Housing, Buildings and Construction oversees manufactured home inspection, with state inspectors assigned by county. Your dealer and installer will work within that state process.
Cities we serve in Kentucky
Don't see your town? We serve all of Kentucky, not just in these cities. Tell us your county on your first call.
Construction loan programs in Kentucky
We offer VA, FHA, and conventional one-time close construction loans, so your land, construction, and permanent mortgage are covered by one loan with one closing.
- VA construction for veterans and active duty
- FHA construction when you're building with a smaller down payment
- Conventional construction when you have strong credit and a down payment
2026 loan limits in most of the Kentucky counties we serve (one-unit home)
Christian County and most Kentucky counties use the national baseline. Limits are set each January by HUD and the FHFA, and your actual loan amount depends on your qualifications and the appraised value.
FAQ
Frequently asked questions
Do I need to visit your Johnson City office?
No. Most of our clients work with us entirely by phone, text, video, and email. You're welcome to visit by appointment.
I'm stationed at Fort Campbell. Is my loan a Kentucky or Tennessee loan?
It depends on where your land is. Christian County land is Kentucky, and Montgomery County land is Tennessee. Where you're stationed doesn't change it.
Is VA construction available in Kentucky?
Yes. Eligible veterans and active duty can use a VA one-time close construction loan in Kentucky. See VA construction loans.
Can you finance a manufactured home on land I own?
Yes. When the home sits on a permanent foundation and is titled as real property together with land you own or are buying, it can be financed with a one-time close construction loan. Homes on rented land are financed differently.
Your land. Your build. Let's talk it through.
A free consultation is 20 minutes. We cover your land, your eligibility, and the right loan structure. No application required.
Tennessee · Virginia · North Carolina · South Carolina · Georgia · Kentucky
20 minutes · no application · no commitment
NewBuild is led by the Arrowood Team at Preferred Rate. 260+ five-star Google reviews.
Prefer to reach out directly?