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Directory of mortgage lenders in Cold Spring, Kentucky. Verify credentials with the state mortgage licensing authority before hiring.
8 agents listed
Updated May 2026
Cold Spring, 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 Cold Spring, 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.
CheckSmart
3800 Alexandria Pike, Cold Spring, KY 41076
8599127350
Prost Mortgage Group
4135 Alexandria Pike SUITE 105, Cold Spring, KY 41076
8597951316
OneMain Financial
26 Martha Layne Collins Blvd, Cold Spring, KY 41076
8597819944
Brian Schalk Mortgage Loan Officer
4135 Alexandria Pike SUITE 105, Cold Spring, KY 41076
8593094900
US Bank Mortgage
3600 Alexandria Pike, Cold Spring, KY 41076
8008722657
US Bank Mortgage
5400 Alexandria Pike, Cold Spring, KY 41076
8594484400
kinleyloans
4135 Alexandria Pike SUITE 105, Cold Spring, KY 41076
5136580390
PNC Mortgage
3701 Alexandria Pike, Cold Spring, KY 41076
8594411692
Mortgage lenders in Cold Spring, Kentucky help homebuyers and homeowners secure financing for property purchases or refinancing. Kentucky law requires all mortgage loan originators to be licensed through the Nationwide Multistate Licensing System. Local lenders understand the Cold Spring real estate market and can guide you through Kentucky specific programs like the Kentucky Housing Corporation first time homebuyer loans.
What Does a Mortgage Lender in Cold Spring Cost?
Typical costs for a mortgage in Cold Spring, Kentucky include an origination fee of 0.5% to 1% of the loan amount, appraisal fees of $400 to $700, and title insurance costing $500 to $1,000. Closing costs generally range from 2% to 5% of the purchase price. Kentucky law requires lenders to provide a Loan Estimate within three business days of application. 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 Cold Spring?
You typically need recent pay stubs, W-2 forms, tax returns, bank statements, and a valid ID. Kentucky lenders may also ask for proof of residency and a credit report. Requirements can vary by loan type and lender.
How long does it take to close on a mortgage in Kentucky?
A standard mortgage closing in Kentucky usually takes 30 to 45 days from application. Delays can occur if appraisals or title searches take longer. Your lender will give you a specific timeline based on your situation.
Are there first time homebuyer programs in Kentucky?
Yes, the Kentucky Housing Corporation offers programs like the KHC Conventional Loan and down payment assistance for qualified buyers. These programs have income limits and require homebuyer education. Ask your Cold Spring lender if you qualify.
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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.