Fahe offers lending services for people and communities that struggle to access traditional banking and finance options.  From single-family mortgage loans that help families put down roots and build wealth, to loans that allow organizations to build essential community facilities, Fahe facilitates positive change throughout Appalachia and beyond.

A young couple is smiling sitting across from a lending professional at a desk. They have their hands on the table with paper and pens beside them.

Mortgage Lending

Homeownership creates financial stability and builds generational wealth. As families put down roots and contribute to the local tax base, they also strengthen their communities. Fahe’s single-family mortgage lending division, JustChoice Lending (JCL), is supporting this positive chain reaction within Appalachia and outside the region.  JCL offers mortgage products for households of all income levels, including loans from the U.S. Department of Agriculture, Federal Housing Administration, and U.S. Department of Veterans Affairs.

Community Lending

Fahe fosters thriving Appalachian communities through loans made to nonprofit and for-profit organizations and developers across the region. With competitive interest rates and favorable terms extending up to 35 years, we focus on supporting community development in underserved areas. Fahe also provides borrowers with access to valuable federal programs, such as the U.S. Department of Agriculture’s Community Facilities Direct Loan and Grant Program and the U.S. Department of the Treasury’s CDFI Bond Guarantee Program. Borrowers can use funding for a variety of purposes, including predevelopment, land and property acquisition, working capital, and construction costs.

Loan Servicing

We offer quality customer care and personalized account management on mortgages for Fahe Members, partners, and borrowers.

Fahe services loans in 19 different states for a variety of stakeholders including Affordable Housing Organizations, Native Development Corporations, Housing Authorities, and Habitat for Humanity Affiliates. If you are a current borrower or investor, please follow the link below to access your account.

Resilience & Recovery 

Whether someone is recovering from a flood or recovering from a substance use disorder, when Appalachian people and communities fall on hard times, Fahe is ready to help. 

Housing Can’t Wait

Embedded within our disaster resilience program, our Housing Can’t Wait initiative has facilitated the construction or rehabilitation of nearly 300 homes for residents affected by the devastating 2022 flooding in Eastern Kentucky.

Flood Response Resource Center

Launched in response to the 2022 flooding in Eastern Kentucky, our Flood Response Resource Center serves Fahe members and families impacted by the disaster. It provides a central source of information for both people in need of assistance and people seeking to help recovery efforts. By issuing the 2022 Flood Relief Challenge, Fahe’s Leadership Team helped generate initial grant and funding support to help our flood-impacted Member organizations and the communities they serve. Our work is not done and we encourage you to contact us if you would like to be a part of this ongoing effort.

Substance Use Recovery

Fahe provides compassionate wrap-around support for low-income individuals with substance use disorders through our Kentucky Access to Recovery (KATR) program. KATR does not pay for treatment itself, but for the resources needed to be successful in recovery, including housing, transportation, dental care, and employment support. Priority is given to the formerly incarcerated, veterans, and pregnant individuals with children living in the home.

Disaster Resilience

When disaster strikes, we don’t just see challenges; we see opportunities to rebuild stronger, more resilient communities. Our Disaster Resilience Program is a testament to our unwavering commitment to facilitating recovery, harnessing our connections, resources, and expertise to bring hope and stability to those in need.