Find out how much home you can afford right NOW!

Know exactly what you can afford before you start searching for a home.

Congratulations! You're ready to buy a home


We Take the Hassle out of Getting Your Mortgage!

Are you interested in finding out what financing options are available to you in Hardin Countyor another area in Kentucky?

At United Residential Mortgage, we understand how important choosing a purchase loan product because it can be hard to find a mortgage that fits your situation and helps you meet your financial goals.

Going through the loan application process and trying to find the best rate possible can feel stressful and unrewarding, kind of like playing whack-a-mole, which is why we are here to help.

As a trusted Kentucky mortgage broker, our team is here, with our tools and expertise, to take care of you through the entire mortgage process. It is our goal to make sure you get to enjoy the experience of buying your home, so we make the process as straight-forward and pain-free as possible!

You can get started now with our FREEpre-approval letter request.

Right from the start, we will help you narrow down the mortgage options that are best for you and your family to come up with a loan that is tailored specifically to your needs.

And, of course, we are always available to answer any questions you may have so that you feel confident with your home financing choices.


The Kentucky Home Purchase Loan Process

Here’s a brief rundown on how the process of getting ahome loan in Hardin County and the surrounding area in Kentuckyworks:

  • Complete our easy-to-use pre-approval letter request
  • Receive recommendations based on your specific financial situation
  • Compare our competitive loan interest rates and review the terms

Do I Qualify?

Whether or not you qualify for a mortgage depends primarily on 3 factors. These factors are referred to as the 3 C’s and, depending on which loan program(s) you are interested in applying for, there can be flexibility within the 3 C’s to help you qualify.

  • Credit (middle of 3 scores)
  • Capacity (income / assets)
  • Collateral (property)

Once you begin the application process, it can benefit you tremendously to get pre-qualified and/or pre-approved by your Kentucky mortgage broker.

Getting pre-approved makes a huge difference when it comes to your financing options and can help you a great deal when you decide to make an offer on a home.

  • Fixed Rate Mortgage
  • Adjustable Rate Mortgage (ARM)
  • Conforming / Conventional Loans
  • FHA, VA, & USDA Loans
  • Jumbo Loans (borrowing limit > $424,000)
  • Terms from 8 to 30 Years

Get Your FREE Pre-Approval Letter Now!