Mortgage Lender Independence Kentucky
Mortgage Lender Independence Kentucky
Prost Mortgage Group: Unlocking Homeownership Dreams in Independence, Kentucky
Nestled in the heart of Northern Kentucky, the charming city of Independence has long been a sought-after destination for those seeking the perfect blend of small-town charm and urban convenience. And at the forefront of helping local residents achieve their homeownership goals is Prost Mortgage Group, a respected and trusted mortgage lender with deep roots in the community.
Established in the region, Prost Mortgage Group has built a reputation for personalized service and a comprehensive suite of financing solutions tailored to the unique needs of Independence homebuyers and homeowners. Whether guiding first-time home seekers through the complexities of securing a mortgage or helping existing homeowners unlock the equity in their properties through strategic refinancing, the Prost team approaches each client with unwavering dedication and a commitment to their financial success.
With a conveniently located office in nearby Cold Spring, Prost Mortgage Group has become a familiar face in the Independence real estate landscape. The lender’s in-depth knowledge of the local market, coupled with a keen understanding of the region’s economic trends and homeownership dynamics, has positioned the company as a trusted partner for those navigating the often-daunting home buying or refinancing process.
Through interactive mortgage planning tools, informative blog posts, and a team of experienced loan officers, Prost Mortgage Group empowers Independence-area residents with the knowledge and confidence to make informed decisions about their financial futures. By taking the time to listen to each client’s unique goals and circumstances, the lender is able to tailor its services to ensure a seamless and successful homeownership journey.
As Independence continues to grow and evolve, Prost Mortgage Group remains steadfast in its commitment to the community, helping local residents unlock the doors to their dream homes and secure the financial freedom they deserve. With a focus on personalized service, innovation, and unwavering integrity, the lender has cemented its status as a cornerstone of the Independence real estate landscape.
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Here are some of our Satisfied Independence Clients
About Prost – Mortgage Lender Independence Kentucky
Introducing Danielle and Ken, a dynamic couple with a shared journey since 2003, currently residing in Melbourne, Kentucky. Their household is enriched by their two wonderful boys. However, beyond their familial bliss, Danielle and Ken are devoted to facilitating the realization of the American dream of home ownership for others.
Since 2005, Danielle has been an invaluable member of our management team, contributing a wealth of expertise. A distinguished alumna of Miami University with a Bachelor’s Degree in Diplomacy and Foreign Affairs, Danielle employs her professionalism to assist borrowers and collaborate with realtors, providing guidance on optimal practices for those seeking home funding. Hailing from Butler County, Ohio, Danielle’s early career involved social work with individuals with disabilities.
In the role of Principal Mortgage Advocate, Ken Prost is the driving force behind our mortgage services. A native of Campbell County, Kentucky, Ken holds a Bachelor’s Degree in International Studies and a minor in Business from NKU, and an MBA from the Thunderbird School of Global Management. With over 25 years of experience in mortgage lending, Ken combines expertise with honesty and diligence, ensuring a seamless experience for prospective buyers and real estate agents involved in listing and selling properties.
Together, Ken and Danielle lead a cohesive team of processors and loan partners, all proud residents of the Greater Cincinnati area. Operating from the Cold Spring office, our team is further supported by the home office of Success Mortgage Partners in Plymouth, Michigan. Rest assured, our entire team is dedicated to turning your homeownership aspirations into a reality with utmost professionalism.
The Loan Process – Mortgage Lender Independence Kentucky
We make every effort to complete your loan promptly while maintaining a high level of communication with you throughout the process. As a result, our typical loan time frame is 30 days or less.
The steps to the loan process are as follows:
APPLICATION
We complete your loan application usually via telephone or online and receive your permission to request your credit report from our credit vendor.
REVIEW
We review your application and request income and asset documentation from you so that we can issue you a pre-approval (for a purchase loan) or structure your refinance. We discuss the best program options with you to fit your homeownership goals.
DOCUMENT DISCLOSURE APPOINTMENT
We will explain the loan proposal to you in person or via secure web link and gather pertinent income and credit documentation regarding the loan that we didn’t already gather for the pre-approval.
VERIFICATION
Our processing staff verifies employment, orders existing mortgage payoffs, and title commitments for the property being financed.
APPRAISAL
A licensed real estate appraiser in your state inspects the property being financed to reconfirm the value being estimated is supported. Not every loan program requires an appraisal so this step is not always needed.
SUBMISSION
We submit the complete loan package to our in house underwriting dept. There, the underwriting department will confirm that all the documentation required to approve the loan has been submitted to them.
FINAL APPROVAL AND LOAN CLOSING
Once the underwriter is satisfied that all the stipulations on the loan are met, they issue a final approval and the loan closing is scheduled. An outside third party agent representing the title company, meets all parties involved in the loan transaction, explains the final loan documents and oversees the signing of all documents.
LOAN FUNDING
The funds are dispersed on the loan transaction. With purchases and properties treated as rentals, funding occurs the day of closing. With primary residence refinances, it occurs on the 4th business day after closing.