Best Mortgage Brokers in Louisville

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Last updated: October 1, 2022

Amerifirst Home Mortgage - Elizabethtown

2832 Shepherdsville Road, Elizabethtown, KY 42701

New Construction
Refinance

Built and established in 1983, Amerifirst Home Mortgage has provided Louisville and its surrounding communities with mortgage and financial solutions for their home buying needs. It has since offered a wide variety of loan options, including conventional loans, FHA loans, VA loans, and renovation loans, along with refinancing. It also offers HomeStyle® Renovation, a loan designed for homeowners who want to remodel. Amerifirst Home Mortgage is now present in more than 70 locations and has continued to grow with over 700 employees.

Borrowers Choice Mortgage

231 Breckenridge Lane, Louisville, KY 40207

New Construction
Refinance

Borrowers Choice Mortgage is a locally owned mortgage broker that serves clients in Louisville. In collaboration with wholesale lenders across the country, the company offers a variety of loan options for homeowners and homebuyers, including fixed-rate and adjustable-rate mortgage loans. It also customizes fixed terms in one-year increments from 10 to 30 years. Since the company's establishment by Drew A. Schaefer in 1999, it has originated numerous home loans and has obtained various customer referrals.

Frankie Story

5223 Dixie Highway, Louisville, KY 40216

Refinance

Frankie Story is an American Mortgage Service Company mortgage originator that has been serving clients in the Louisville area since 1993. She provides various types of loans, including FHA, USDA RD, VA, and conventional loans, for clients looking to purchase a home. Additionally, she offers refinancing solutions for homeowners seeking lower monthly payments, shorter mortgage terms, and home equities in current properties. Frankie aims to provide mortgage information and education to help clients make informed decisions.

Lightpoint Mortgage

161 Saint Matthews Avenue, Louisville, KY 40207

New Construction
Refinance

Lightpoint Mortgage, Inc., is a Louisville-based mortgage broker. The company guides clients who want to buy or refinance a residential property with a wide range of loan options such as VA, FHA, USDA, and HARP loans. Adjustable-rate and 15 or 30-year fixed mortgages are also available. Its team of brokers serves a variety of clients, from first-time homebuyers to individuals who are refinancing a home. The company has been providing its services to the community since 2011.

Old Colonial Mortgage

916 Lily Creek Road, Louisville, KY 40243

Refinance

Old Colonial Mortgage explores home loan opportunities for clients in Louisville. It aids in completing mortgage qualifiers and comparing interest rates and terms, offering fixed and adjustable-rate programs and FHA, VA, and USDA loans. It also offers jumbo loans, 203k loans, and reverse mortgages. Old Colonial Mortgage also provides refinancing options, counseling homeowners on their respective mortgage scenarios and terms. Partner and loan originator Kurt Ehret has assisted clients who were told, "You don't qualify." He draws from his experience of evaluating mortgage scenarios and credit restoration.

Signature Mortgage

3001 Charlestown Crossing Way, New Albany, IN 47150

New Construction
Refinance

Signature Mortgage is a full-service mortgage firm serving clients in the Louisville area. The company provides a wide variety of government loan products, including FHA, VA, and rural housing or USDA. Signature Mortgage provides homeowners with refinancing programs that assist in consolidating debt, reducing monthly payments, getting cash equity, and paying debts off faster. The company's website has mortgage calculators for further research and analysis. Its professionals can also provide assistance with downpayments and credit score analysis.

Statewide Mortgage

10140 Linn Station Road, Louisville, KY 40223

Refinance

Statewide Mortgage offers commercial and home loans in Louisville. Run by Donnie Benningfield, the company provides various loan types, such as home refinance, home purchase, and reverse mortgage. These products apply to properties like single-family, multi-family, condominiums, townhouses, and manufactured homes. He also offers a wide range of loan programs, namely fixed-rate mortgages, adjustable-rate mortgages, FHA loans, and VA loans. Benningfield has been in the business for over 20 years and has run the mortgage company for 18.5 years.

United Residential Mortgage

209 North Mulberry Street, Elizabethtown, KY 42701

Purchase and Refinance
New Construction

United Residential Mortgage is a residential mortgage company committed to providing custom mortgage solutions and great customer service to Louisville residents. It offers USDA rural housing, FHA loans, VA loans, HARP loans, and conventional home loans, which all include fixed-rate options as well as ARM options. It aims to deliver a fast and transparent mortgage process for homebuyers and homeowners, whether they are purchasing or refinancing a home. Testimonials describe the company as reliable and efficient.

Wholesale Mortgage Source, LLC

12700 Townepark Way, Louisville, KY 40242

Refinance
Reverse Mortgages

Wholesale Mortgage Source LLC is a Louisville-based mortgage brokerage headed by Brian Curl. The company assists clients in finding and applying for loan products tailored to their financial goals. Its loan officers can help clients apply for 203k loans, VA loans, and 15 and 30 year mortgages. The company can also advise clients on refinancing their existing mortgages. Brian Curl has over 20 years of industry experience and holds a master's degree in Business Administration.

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Frequently Asked Questions

Q: Do mortgage brokers need to be licensed?

A: Yes, all mortgage brokers need to be licensed. Individuals need to complete a 20-hour class that goes over state and federal laws for mortgages and other important information. Next, individuals take the official test with the National Mortgage Licensure System.

Q: Is it difficult to pass the mortgage brokers’ test?

A: Upon completion of educational requirements, you must pass the mortgage broker test to receive your license. It's a two-part test called the Safe Mortgage Loan Originator Exam, and it can be a bit challenging. Out of almost 87,600 national test-takers, 57% passed on their first attempt. The test includes both a state and national portion and requires a minimum score of 75% to pass.

Q: What is a surety bond for mortgage brokers?

A: A surety bond is a legal contract that binds three parties — the obligee, the principal, and the surety. Surety bonds are typically required to receive a license for operating as a mortgage broker. When a mortgage broker gets a surety bond, it's a legal guarantee they'll perform their obligations to their customers as required by law.

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