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Browse mortgage lenders serving Elsmere, Kentucky. Contact information and addresses listed below.
2 agents listed
Updated May 2026
Elsmere, 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 2 mortgage lenders in Elsmere, 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.
Sherry Ross-U.S. Bank Mortgage
3905 Dixie Hwy, Elsmere, KY 41018
8592328159
US Bank Mortgage
3905 Dixie Hwy, Elsmere, KY 41018
8008722657
Mortgage lenders in Elsmere Kentucky help home buyers and homeowners secure financing for home purchases and refinancing. Kentucky law requires all mortgage loan originators to be licensed through the Kentucky Department of Financial Institutions. Local lenders in Elsmere can guide you through state specific programs like the Kentucky Housing Corporation first time home buyer assistance.
What Does a Mortgage Lender in Elsmere Cost?
Typical costs for a mortgage loan in Kentucky include an origination fee of 0.5 to 1 percent of the loan amount, appraisal fees of 400 to 700 dollars, and title insurance costing 500 to 1,200 dollars. Closing costs in Kentucky generally range from 2 to 5 percent of the home purchase price. These amounts vary by lender, loan type, and property value. This is general information and 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 license do mortgage lenders need in Kentucky?
Mortgage loan originators in Kentucky must hold a valid license from the Kentucky Department of Financial Institutions. They also must register with the Nationwide Multistate Licensing System (NMLS). You can verify a lender license on the NMLS consumer access website.
Are there Kentucky specific home buyer programs available in Elsmere?
Yes the Kentucky Housing Corporation offers down payment assistance and fixed rate mortgages for eligible first time buyers. These programs have income limits and purchase price caps that apply to Elsmere residents. Contact a local lender to check your eligibility.
How long does a Kentucky mortgage loan closing usually take?
A typical mortgage closing in Kentucky takes 30 to 45 days from application to funding. Delays can occur if appraisal or title work takes longer. Your lender will provide a timeline estimate based on your loan type.
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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.