Here are some of our Satisfied Elsmere Clients

Meet Danielle and Ken Prost – Your Trusted Mortgage Experts at Prost Mortgage Group

Welcome to Prost Mortgage Group, where dedication, experience, and heart come together to guide you on your journey to homeownership. 

Danielle and Ken Prost, a husband-and-wife team based in Melbourne, Kentucky, have been working together since 2003 to make homeownership accessible, understandable, and achievable for families across the region. Parents of two boys and deeply rooted in their community, they lead with both professional expertise and a genuine commitment to helping clients build generational wealth through real estate. 

Danielle Prost – Director of Lending Operations

Danielle has been a cornerstone of our team since 2005. A graduate of Miami University with a degree in Diplomacy and Foreign Affairs, she is known for her client-focused mindset and her ability to guide borrowers with care and confidence. Danielle’s background in social work continues to shape her compassionate approach to helping clients and collaborating with real estate partners. Whether you're buying your first home or refinancing, she ensures the process is smooth, informed, and empowering. 

Ken Prost – Principal Mortgage Advocate

With over 25 years in mortgage lending, Ken brings a depth of experience and leadership that sets Prost Mortgage Group apart. A Campbell County native, he holds a degree in International Studies with a minor in Business from Northern Kentucky University, and a MBA from the Thunderbird School of Global Management. Ken is a trusted advocate for buyers, sellers, and real estate professionals, providing strategic insight and hands-on support throughout every transaction. 

Our Mission: Education, Access, and Empowerment

At Prost Mortgage Group, we believe in more than just closing loans—we believe in changing lives. That’s why we’re committed to providing community education on building generational wealth through real estate. We host workshops, partner with real estate professionals, and deliver resources that empower clients—especially first-time homebuyers—to build lasting financial stability through homeownership.

We also proudly offer bilingual services for our Spanish-speaking clients, ensuring every borrower has access to clear, confident guidance throughout the mortgage process. 

Recognized for Excellence

Our work has been recognized by the real estate and mortgage industries alike. We’re honored recipients of: 

Allied Partner of the Year – Greater Cincinnati Realtist Association

Top Production Awards – Kentucky Housing Corporation

Top Producer Recognition – Success Mortgage Partners

As active members of BNI (Business Network International), the Greater Cincinnati Realtist Association, and the Northern Kentucky Chamber of Commerce, we’re proud to support and uplift our local and professional communities. 

Serving Clients Across the Region

Prost Mortgage Group is licensed in: Ohio, Kentucky, Indiana, Michigan, Florida, Tennessee, and Georgia, giving us the ability to serve a wide range of clients with the same personalized, trusted service—wherever they are. 

With local roots and national reach, our team—based in Cold Spring, Kentucky—is supported by the strength and infrastructure of Success Mortgage Partners, headquartered in Plymouth, Michigan. 

Let’s Build Your Future Together 

Whether you're just starting your homeownership journey or ready to take the next step, Prost Mortgage Group is here to guide you every step of the way. Our mission is simple: Help good people achieve great things through homeownership. 

📞 Ready to get started? Contact us today and let’s make your dream a reality.

Understanding the Mortgage Process
Navigating the mortgage process can be daunting, but Prost Mortgage Group is here to simplify it for you. Here’s a step-by-step overview of what to expect:

1. Pre-Approval: Start by getting pre-approved for a mortgage. This will give you a clear understanding of your budget and strengthen your position when making an offer on a home.
2. Application: Once you find a property, you’ll complete a mortgage application. Our team will assist you in gathering the necessary documentation.
3. Processing: After your application is submitted, our processing team will review your information and verify your financial details.
4. Underwriting: The underwriter will assess your application to determine if it meets the lender’s guidelines. This step is crucial in ensuring you qualify for the loan.
5. Closing: Once approved, you’ll move to the closing stage, where you’ll sign the final paperwork and receive the keys to your new home.

Types of Mortgages We Offer

• Conventional Loans: Ideal for borrowers with good credit and a stable income, these loans typically require a down payment of 3% to 20%.
• FHA Loans: Backed by the Federal Housing Administration, these loans are perfect for first-time homebuyers with lower credit scores and down payment options as low as 3.5%.
• VA Loans: Available to veterans and active-duty military personnel, VA loans offer favorable terms, including no down payment and no private mortgage insurance (PMI).
• USDA Loans: Designed for rural homebuyers, USDA loans provide 100% financing options for eligible properties in designated areas.

Bardstown Real Estate Market Insights
Bardstown, known for its rich history and vibrant community, is an attractive place to live. The real estate market here offers a variety of options, from charming historic homes to modern developments. Understanding the local market trends can help you make informed decisions. Our team at Prost Mortgage Group is well-versed in these trends and can provide valuable insights to help you navigate your home purchase.

Testimonials
Hear from our satisfied clients who have successfully secured their mortgages with Prost Mortgage Group. Their experiences highlight our commitment to excellence and customer satisfaction.

Frequently Asked Questions

1. What is the minimum credit score required for a mortgage?

   • While it varies by loan type, most conventional loans require a minimum credit score of 620. FHA loans may allow scores as low as 580 with a 3.5% down payment.

2. How much do I need for a down payment?

   • Down payment requirements depend on the loan type. Conventional loans may require 3% to 20%, while FHA loans require as little as 3.5%.

3. How long does the mortgage process take?

   • The timeline can vary, but most mortgages take 30 to 45 days from application to closing.

Contact Us
Ready to take the next step in your home buying journey? Contact Prost Mortgage Group today to speak with one of our mortgage specialists. We are here to answer your questions and help you find the perfect mortgage solution for your needs.

Conclusion
At Prost Mortgage Group, we are dedicated to helping you achieve your homeownership dreams in Bardstown, Kentucky. With our local expertise, personalized service, and a wide range of mortgage products, we are your trusted partner in the mortgage process. Let us help you turn your dream home into a reality.

lity with utmost professionalism.

Areas we Serve

Kenton County KY

Covington KY

Elsmere KY

Erlanger KY

Independence KY

Taylor Mill KY

Villa Hills KY