Mortgage Broker in Highland Heights, KY
Home of NKU. A steady market with a healthy mix of starter homes, rentals, and family neighborhoods.
Highland Heights is anchored by Northern Kentucky University, which keeps the neighborhood dynamic year-round and supports a strong rental sub-market. For owner-occupants, you get a mix of mid-century ranches, newer subdivisions, and townhomes, all a straight shot to I-471 and downtown Cincinnati. Smart market for first-time buyers and investment duplexes alike.
Why Highland Heights buyers choose Hometown Mortgage
- Owner-occupied multi-unit financing: Duplexes and small multi-units near NKU can be financed with as little as 3.5% down via FHA when you live in one unit. We structure this regularly.
- First-time buyer programs: The starter-home price point here fits conventional 3%, FHA 3.5%, and VA zero-down beautifully. We'll match you with the cheapest long-term option.
- Fast, responsive pre-approvals: In a market where starter homes move quickly, our 22-day average close is a real competitive edge on offers.
The market, by the numbers
Straight from the U.S. Census Bureau American Community Survey. Numbers shape which loan programs actually make sense here.
- Median home value$150000
- Median household income$44910
- Homeownership rate63%
- Median year built1983
Population: 6,566 · Source: ACS 5-year 2022.
Buying a median-priced home in Highland Heights
At today's median home value of $150,000, here's what your down payment and monthly payment look like across three common loan structures. Illustrative rate of 6.75% on a 30-year term, taxes and insurance included.
- 3.5% down
- $5,250
- Loan amount
- $144,750
- P&I
- $939
- Monthly PMI
- $60
- 10% down
- $15,000
- Loan amount
- $135,000
- P&I
- $876
- Monthly PMI
- $56
- 20% down
- $30,000
- Loan amount
- $120,000
- P&I
- $778
Scenarios are illustrative only. Actual pricing depends on credit, loan type, property details, and current market rates. Not a commitment to lend.
What Highland Heights buyers get with Hometown
Owner-occupied multi-unit financing
Duplexes and small multi-units near NKU can be financed with as little as 3.5% down via FHA when you live in one unit. We structure this regularly.
First-time buyer programs
The starter-home price point here fits conventional 3%, FHA 3.5%, and VA zero-down beautifully. We'll match you with the cheapest long-term option.
Fast, responsive pre-approvals
In a market where starter homes move quickly, our 22-day average close is a real competitive edge on offers.
Where Highland Heights lives, day to day
A snapshot of the anchors we see on every appraisal report and every buyer's shortlist.
Parks & green space
Walkability and outdoor access matter for resale and for quality of life.
- Veterans Park4.2(59)3 Veterans Dr, Highland Heights, KY
Grocery & essentials
A short drive to a full-service grocery is a lived-in quality-of-life signal.
- bp3.1(106)2625 Alexandria Pike, Highland Heights, KY
- Better Blend - Highland Heights5.0(398)2885 Alexandria Pike, Highland Heights, KY
- Kroger Pickup at Walgreens4.4(66)2840 Alexandria Pike, Highland Heights, KY
Civic & community
Libraries, city halls, and post offices, the everyday anchors of a neighborhood.
- United States Postal Service3.7(33)2701 Alexandria Way, Highland Heights, KY
- Chase Law Library100 Louie B Nunn Dr, Highland Heights, KY
- Little Free Library - Jillian Ct5.0(1)3 Jillian Ct, Highland Heights, KY
- Eva G. Farris Reading Room at Steely LibraryHighland Heights, KY
Dining & coffee
Restaurants, cafés, and the places you'll actually visit on weekends.
- Applebee's Grill + Bar3.7(1554)2810 Alexandria Pike, Highland Heights, KY
- Chipotle Mexican Grill4.2(959)2527 Wilson Rd, Highland Heights, KY
- Frisch's Big Boy3.8(1547)2611 Alexandria Pike, Highland Heights, KY
- City Barbeque4.6(1701)2760 Alexandria Pike, Highland Heights, KY
Healthcare
Proximity to hospitals and clinics is a must-have for many buyers.
- Women's Health Highland Heights - St. Elizabeth Physicians2.7(16)2626 Alexandria Pike, Highland Heights, KY
- Nky med clinic2626 Alexandria Pike, Highland Heights, KY
Data from Google Places. Highlights, not a comprehensive directory.
Homes in Highland Heights tend to be…
The median home in Highland Heights was built around 1983 (roughly 43years old), which means older construction is the norm, not the exception. Older homes are financeable, but they do raise specific appraisal and condition questions that retail lenders often stumble on. We don't. About 63% of occupied homes are owner-occupied; the remaining 37% are rentals. That ratio matters because strong owner-occupancy helps resale values stay stable over time.
Highland Heights, KY homes, all of them
From starter homes to executive builds, we've closed loans in and around these Highland Heights neighborhoods.
- NKU campus area
- Johns Hill
- Reis Road corridor
- Alexandria Pike
- US-27 commercial belt
Every type of mortgage
All of our loan programs are available in Highland Heights, KY. Click through for details.
Local reviews
What clients in Highland Heights usually ask
- Yes. As long as you live in one unit, FHA and conventional both finance 2-4 unit properties with low down payments. Rental income from the other units can often count toward your qualification.
Other places we serve
We close loans across the region, here are the nearest service areas to Highland Heights.
Talk to a Highland Heights mortgage broker
Local office, wholesale rates, honest math. Lee usually replies within a business hour.
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