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Directory of mortgage lenders in Berea, Kentucky. Verify credentials with the state mortgage licensing authority before hiring.
8 agents listed
Updated May 2026
Berea, KY
Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeMortgageUSA.com. We do not endorse any broker or guarantee outcomes. Verify licensing and disciplinary status with the Kentucky before hiring.
Showing 8 mortgage lenders in Berea, KY
Listings are displayed in no particular order and are not ranked by BeforeMortgageUSA. Order does not constitute a recommendation or endorsement of any broker.
World Finance
226 Mini Mall Dr, Berea, KY 40403
8599861118
Heights Finance
405 Richmond Rd N Ste B, Berea, KY 40403
8599866000
James Alexander, Mortgage Banker, NMLS #54612
405 Richmond Rd N suite d, Berea, KY 40403
8595824751
Stockton Mortgage Berea, KY | NMLS# 8259
405 Richmond Rd N suite d, Berea, KY 40403
8593530933
JustChoice Lending
319 Oak St, Berea, KY 40403
8663670855
Fahe
319 Oak St, Berea, KY 40403
8599862321
Fifth Third Mortgage - Gayle Roberts
137 Oak Meadow Dr, Berea, KY 40403
5133580429
US Bank Mortgage
623 KY-21, Berea, KY 40403
8008722657
Mortgage lenders in Berea, Kentucky help homebuyers and homeowners secure financing for purchases and refinancing. Kentucky law requires a signed contract and a Good Faith Estimate within three business days of a loan application. Local lenders understand Berea's housing market and can guide you through state-specific requirements like Kentucky's first-time homebuyer programs.
What Does a Mortgage Lender in Berea Cost?
Typical costs for a mortgage lender in Kentucky include origination fees from 0.5% to 1% of the loan amount, appraisal fees around $400 to $600, and title insurance ranging from $500 to $1,000. Closing costs generally total 2% to 5% of the loan. These figures vary by lender and property. This is general information, not mortgage or financial advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not mortgage or financial advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
What documents do I need to apply for a mortgage in Berea?
You typically need pay stubs, tax returns, bank statements, and photo ID. Kentucky lenders may also ask for proof of residency and a credit report.
How long does the mortgage process take in Kentucky?
The process usually takes 30 to 45 days from application to closing. Kentucky law allows up to three business days for the lender to provide a loan estimate.
Are there special mortgage programs for Kentucky residents?
Yes, Kentucky offers the Kentucky Housing Corporation (KHC) programs for first-time buyers and low-income borrowers. These include down payment assistance and fixed-rate loans.
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Legal Notice
BeforeMortgageUSA.com is not a mortgage referral service, or financial advice provider. No broker-client relationship is formed by submitting a form or using this site. We do not endorse, recommend, or vouch for the qualifications of any broker. Past results do not guarantee future outcomes. Each case is different. Verify broker credentials with your state mortgage licensing authority before hiring.
About Our Listings
Brokers listed on BeforeMortgageUSA.com are compiled from publicly available directories, state mortgage licensing authority records, and business listings. Inclusion does not constitute endorsement. We do not verify broker licensing, disciplinary status, or qualifications. Verify each broker's current standing with the Kentucky.