FAQ

WHAT IF I HAVE LESS THAN PERFECT CREDIT?

We realize that today there are many unique situations and circumstances, and we pride ourselves on finding solutions for every situation. We view every client as a potential long-term relationship regarding your home financing needs, and for that reason, we offer free credit analysis and consultation. Please allow us to speak with you and go over your credit report in detail to develop a strategy to reach your homeownership or refinance goals. Many times, customers who think they wouldn’t qualify now do qualify or are just a few short months away from finding a program that best fits their needs.

WHAT IS YOUR APPLICATION FEE?

Although other companies charge an application fee, we do not charge one or any fee for applying for a home loan. We offer a no-obligation, free mortgage proposal and will discuss your credit report with you.

HOW LONG DOES THE PROCESS TAKE?

The process typically takes less than 30 days, but a lot of it depends on your time frame and how quickly you get us any needed documentation.

WHAT INTEREST RATE CAN I RECEIVE?

Your rate depends on factors such as your credit rating, the amount financed versus the value of your property, and the income documentation you have available to use for the loan. We will review all options with you and choose the best scenario for your situation.

I JUST HAD A FORECLOSURE AND/OR BANKRUPTCY. CAN YOU HELP ME?

Although recent foreclosures and bankruptcies reduce the number of programs available, we still have several program options with which to place your loan. We are happy to investigate your particular situation and find a program that best fits your needs.

I WANT TO PURCHASE A HOME BUT HOW MUCH DO I QUALIFY FOR?

AWARDS, RECOGNITION, & MORE:

BBB Accredited Since July 2014 A+ Rating
Northern Kentucky Chamber Of Commerce Members
Northern Kentucky Association Of Realtors Members
Business Networking International (BNI) Along With Numerous Distinctions And Awards Given Over The Last 14 Years Of Membership
Received Awards From Kentucky Housing Corporation From 2017, 2018, 2019, 2020 For Being A Top Lender And Loan Officer.
Listings In Scottsman Guide (Industry Publication) For Top Loan Production