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Lending Partners

KHC Top Loan Producers

KHC 2017 Top Loan Producers​

Kentucky Housing Corporation (KHC) is pleased to recognize our Top Loan Producers for the 2017 calendar year. Kentuckians who received a loan from KHC in 2017 worked with one of over 100 lending partner banks and mortgage companies located in communities throughout the state. KHC offers safe and secure home loans for first-time buyers, previous home buyers, and those looking to refinance. Since its creation in 1972, KHC has helped over 95,000 Kentucky households become homeowners. We thank all of our lending partners for helping provide Kentuckians affordable homeownership opportunities.

Pictures from the 13th Annual Lender Luncheon

Top Lenders

First Place Winner  Century Mortgage Company
Second Place Winner American Mortgage Service Company
Third Place Winner Stockton Mortgage Corporation 


Top Third Party Originator

Statewide Mortgage, LLC

 

Top MCC Lender

Stockton Mortgage Corporation​

 

Top MCC Loan Officer

Clayton Farris, Stockyards Bank & Trust Company

 

Kentucky Housing's Top Producing Loan Officers

Elayne Havens 

Elayne Havens, American Mortgage Service Company (Statewide)

KHC loans in 2017: 119

Elayne has worked with KHC for the entirety of her 26-year history in the mortgage lending business. When asked what keeps her working with KHC, Elayne said, “The loan programs provided by KHC give me and my team the opportunity to offer clients the prospect of affordable home ownership with little to no money out of pocket. The Regular and HHF DAP funds that are available have become quite instrumental for some clients to even foresee themselves purchasing a home of their own. I look forward to building new partnerships with future buyers and KHC in the upcoming year!”

When you’re ready to purchase a home in Elayne's area, contact her at:
Phone: 502-643-6519
Email:  elayne.havens@americanmortgage.com
Website:  elaynehavens.americanmortgage.com​


Ravi Patel 

Ravi Patel, Option Financial, LLC (Boone, Kenton, Campbell, Pendleton, Grant, Gallatin, Bracken)

Ravi has worked with KHC for all of his four years in the mortgage lending business. Ravi says, “My clients benefit from KHC and their Down payment Assistance programs by getting into homes with little to no money out of pocket. The MCC Tax Credit for First-Time Home Buyers is an amazing add-on to KHC products, to give my clients up to an additional $2,000 in refund money when filing their taxes.”

When you’re ready to purchase a home in Ravi's area, contact him at:
Phone: 859-512-7269 or 859-344-6000
Email: RPatel@OptionFinancial.com
Website: www.NKYHomeLoans.com


Josh M. Hay 

Josh M. Hay, Envoy Mortgage (Statewide)

Josh has worked with KHC for 11 of his 16 years in the mortgage lending business. Josh says, “My clients, particularly first-time homebuyers, are so grateful for the flexibility that KHC programs give them, to have low-or no-down payment options to buy a home.”

When you’re ready to purchase a home, contact Josh at:
Phone: 502-889-6014
Email: jhay@envoymortgage.com​
Website: www.joshhay.com


Dennis R. Tindle 

Dennis R. Tindle, Cumberland Valley National Bank (Statewide)

Dennis has been helping his customers with KHC loans and working in the mortgage loan business for 19 years. Dennis said, “The confidence that we place in Kentucky Housing is through the roof! KHC offers all the right programs that benefit Kentucky families, including:   USDA, VA, Conventional, FHA, and DAP programs. KHC staff work to find ways to make the dream of homeownership come true. Thank you, KHC.”

When you're ready to purchase a home in Dennis's area, contact him at:
Phone: 606-676-7614 or 606-678-2267
Email: DennisTindle@cvnb.com
Website: www.cvnb.com


Dustin Mistelske 

Dustin Mistelske, First Liberty Financial Mortgage (Statewide)

Dustin has worked in the mortgage lending business for five years, most of which he has been partnering with KHC. Dustin said, “My clients benefit from the wonderful programs at KHC because of the down payment assistance and the NO MI Programs. Their credit score requirements being lowered has also been a blessing for a lot of my buyers!”

When you’re ready to purchase a home, contact Dustin at:
Phone: 502-572-3002
Email: dustin.mistelske@firstliberty.net
Website:   www.firstlibertymortgage-louisville.com/contact-dustin-mistelske


Sue Ann McKissick 

Sue Ann McKissick, Heritage Bank Mortgage Services (Christian, Todd, Trigg)

Sue Ann has been helping her customers with KHC loans for her 24 years in the mortgage lending business. Sue Ann says, "My clients benefit from KHC programs by utilizing the down payment assistance and special fundings that are offered. It is also a benefit that the loans are serviced by KHC."

When you’re ready to purchase a home in Sue Ann's area, contact her at:
Phone: 270-887-2936
Email:  sueann.mckissick@bankwithheritage.com 
Website:  www.bankwithheritage.com


Lindsay Ballard 

Lindsay Ballard, Liberty Financial A Division of ETFCU (Statewide)

Lindsay has been helping her customers with KHC loans for 2 of her 14 years in the mortgage loan business. When asked how her clients benefit from KHC programs, Lindsay said, "KHC has wonderful programs used to assist clients with little to no money down. The best part is that it can be used in any area of Kentucky!"

When you’re ready to purchase a home, contact Lindsay at:
Phone: 270-993-8786 or 270-713-5304 
Email: lindsay.ballard@firstliberty.net
Website: http://lballard.libertyfinancialmortgage.org/


Josh Price 

Josh Price, Envoy Mortgage (Statewide)

Josh has been helping his customers with KHC loans for 4 of his 13 years in the mortgage loan business. When asked how his clients benefit from KHC programs, Josh said, "KHC's programs allow clients to buy a home with very little of their own funds. This means that their money can go towards rainy day funds and fixing up their new home.”

When you’re ready to purchase a home, contact Josh at:
Phone: 502-627-1926
Email:  joshprice@envoymortgage.com
Website:  www.joshpriceteam.com​


Clayton Farris 

Clayton Farris, Stock Yards Bank (Jefferson and surrounding counties)

Clayton has worked with KHC for over 20 of his 22 years in the mortgage lending business. Clayton shares his excitement and says, “KHC provides several opportunities for individuals and families purchase their home. With DAP assistance, home buyer tax credit savings, and conventional products with no MI, KHC helps me, help my clients."

When you're ready to purchase a home in Clayton's area, contact him at:
Phone: 502-625-2523 or 502-523-8888
Email:   clayton.farris@syb.com
Website:   sybloan.com


Christopher Squires 

Christopher Squires, InterLinc Mortgage Services (Jefferson, Oldham, Shelby, Spencer, Bullitt)

Christopher has worked with KHC for 4 of his 16 years in the mortgage lending business. Christopher says, “KHC encourages good, qualified buyers to purchase a home with little or no money out of pocket, as well as offering affordable payments with reduced mortgage insurance on conventional products. The low interest rate programs for single parents, or low-income families, have been very beneficial as well! KHC programs allow our team to offer additional options to clients looking to achieve their goals of homeownership.”

When you’re ready to purchase a home, contact Christopher at:
Phone: 502-498-8396
Email: csquires@lincloan.com
Website: www.interlinclouisville.com


Jesse Cronen 

Jesse Cronen, Commonwealth Bank and Trust (Statewide)

Jesse has worked with KHC for four of his 14 years in the mortgage lending business. Jesse exclaimed, “KHC offers my clients an affordable path to homeownership, while also helping them get a larger tax refund!”

When you’re ready to purchase a home, contact Jesse at:
Phone: 502-259-2944
Email: jesse.cronen@cbandt.com
Website: cbandt.com/bios/jesse-cronen/


Teri Farris Knott 

Teri Farris Knott, Stockton Mortgage Corporation (Bullitt, Jefferson, Shelby, Spencer)

Teri has been helping her customers with KHC loans for the 22 years she has worked in the mortgage lending business. She says, “KHC programs have helped a lot of my clients. The Down payment Assistance Program and low interest rates, that KHC provides, make homeownership more affordable. Also, the Conventional No MI and the Mortgage Credit Certificate have put the buyers in a better position to save money so they can pay their house off early. Kentucky Housing builds their programs to benefit the buyer and they are always coming out with something new to make homeownership affordable.”

When you're ready to purchase a home in Teri's area, contact her at:
Phone: 502-939-8374
Email:  tknott@smcapproved.com
Website:  www.smcapproved.com


Paul DeSurne 

Paul DeSurne, New Perspective Mortgage LLC (Jefferson, Bullitt, Hardin, Meade, Oldham)

Paul has been in the mortgage lending business for 25 years and has partnered with KHC for most of that time. Paul said, "KHC’s commitment to affordable housing, coupled with their down payment assistance, plays a vital role in helping many of my clients achieve homeownership. All of us in this industry and every home buyer and seller should be thankful we have an organization like KHC."

When you’re ready to purchase a home in Paul's area, contact him at:
Phone: 502-937-1700 or 502-533-6667
Email: madpwd@bellsouth.net


Jesse Hardin 

Jesse Hardin, Bank of England Mortgage (Statewide)

Jesse has worked with KHC for 10 of the 17 years in the mortgage lending industry. Jesse says, “KHC programs allow my clients affordable options when shopping for a home loan. KHC’s Down payment Assistance Programs ensure that my clients have every available resource to purchase a home utilizing the best possible financing for their specific needs and circumstances.”

When you’re ready to purchase a home, contact Jesse at:
Phone: 859-361-0309
Email: jhardin@boemortgage.com
Website: www.facebook.com/loanofficerjesse


Darrell DeVore 

Darrell DeVore, Century Mortgage Company (Statewide)

Darrell has worked with KHC for all eight of his years in the mortgage industry. Darrell says, “KHC has many first-time home buyer programs, Down payment Assistance Programs, and disability and single parent housing programs that give my customers the opportunity to purchase homes who otherwise wouldn’t be able to. My most satisfying closings are when borrowers who have been told no because of income or down payment from another lender, get the keys to their new home. It is because of KHC that this is possible.”

When you’re ready to purchase a home, contact Darrell at:
Phone: 502-472-5576
Email: darrell@cmcloans.com
Website: www.centurymortgage.com/ddevore


Chris Roberts 

Chris Roberts, Stockton Mortgage (Daviess, Ohio, Hancock, McLean)

Chris has been helping his customers with KHC loans for 11 of the 13 years he has been in the mortgage loan business. Chris said, “Most of my Clients just need Down Payments Assistance, but my branch did six of the 2% loans and we also utilized the ACC Grant for many clients as well. The KHC Conventional Program has been our biggest asset this year. KHC loans helps taking away any objections to homeownership because the programs are so easy to qualify for.”

When you’re ready to purchase a home in his area, contact Chris at:
Phone: 270-570-0791
Email:croberts@smcapproved.com
Website:  www.smcapproved.com


Tim Eickhoff 

Tim Eickhoff, American Mortgage Service Company (Boone, Kenton, Campbell, Grant, Owen, Gallitan, Pendleton)

Tim has worked with KHC for 16 of his 21 years in the mortgage lending business. Tim says, “Having the ability to offer KHC loans allows me to help make homeownership a reality for my buyers. The Down payment Assistance Programs are second to none. KHC makes homeownership possible!”

When you’re ready to purchase a home in Tim's area, contact him at:
Phone: 859-393-3953
Email: tim.eickhoff@americanmortgage.com
Website: https://timeickhoff.americanmortgage.com


Tracy Holtsclaw 

Tracy Holtsclaw, Commonwealth Bank and Trust (Hardin, Jefferson, Meade, Larue, Bullitt, Breckinridge, Hart, Grayson)

Tracy has worked with KHC for 17 of her 20 years in the mortgage lending business. Tracy says, “Many of the buyers in our community could not purchase a home at all without the Down payment Assistance Programs KHC offers. We also anticipate and utilize the special funds when they come available every year for those same individuals. It’s considered a great accomplishment for us when we close on each and every one of those loans. KHC makes it possible for us to help more people achieve the American dream of homeownership.”

When you’re ready to purchase a home in Tracy's area, contact her at:
Phone: 270-272-3307 or 270-234-0299
Email: tracy.holtsclaw@cbandt.com
Website: www.cbandt.com/tholtsclaw


Brian Schutte 

Brian Schutte, Century Mortgage Company (Statewide)

Brian has worked with KHC for all 13 of his years in the mortgage lending business. Brian says, "The products provided by Kentucky Housing Corporation have proven to be an invaluable avenue to homeownership for my clients. Many of them have benefited from the DAP programs and for 2017, the Hardest Hit Funds proved to be a true blessing for many in the Louisville market. I am thankful that I have access to KHC programs to assist so many first-time homebuyers to realize the American dream.”

When you’re ready to purchase a home, contact Brian at:
Phone: 502-262-9596 or 502-753-4121
Email: bschutte@centurymortgage.com
Website: www.centurymortgage.com/bschutte


Heather Montgomery 

Heather Montgomery, First Liberty Financial Mortgage (Statewide)

Heather has worked with KHC for 3 of her 20 years in the mortgage lending business. Heather shares her excitement and says, “KHC Offers my client down payment assistance without stringent income requirements like other high LTV products. It makes homeownership available to even more buyers!”

When you're ready to purchase a home, contact Heather at:
Phone: 270-314-0794 or 270-767-6508
Email:   heather.montgomery@firstliberty.net
Website:   www.firstliberty.net


Julia Vice 

Julia Vice, Republic State Mortgage Company (Statewide)

Julia has worked in the mortgage lending industry for 20 years, over 11 of which she has partnered with KHC. Julia said, “KHC provides opportunities for clients to receive up to 100 percent financing by using their mortgage programs along with down payment assistance. KHC also offers home buyer tax credits that are a huge benefit to the consumer. Their staff are dedicated in educating lenders about their loan products, so we can better serve our clients and offer the best products available. I look forward to a continuing partnership with KHC!”

When you’re ready to purchase a home, contact Julia at:
Phone: 859-771-0288 or 859-745-6010
Email: jvice@rsmc.net
Website: republicstatemortgage.com


Sherrida Burrus 

Sherrida Burrus, Stockton Mortgage Corporation (Statewide)

Sherrida has been partnering with KHC for 19 of the 23 years she has been in the housing industry. She is an active source to her clients for many programs, especially those from KHC. Sherrida has a passion for helping people achieve their goal of home ownership. She was the recipient of her company's "Rookie of the Year" award in 2000, received the "Helping Hand" award in 2005, and was given a certificate of special recognition for Congresswoman Anne Northrup in 2006.

When you're ready to purchase a home, contact Sherrida at:
Phone:   502-775-9701 or 502-371-5020
Email: Sburrus@smcapproved.com


Chad Goodin 

Chad Goodin, Century Mortgage Company (Hardin and surrounding counties)

Chad has been partnering with KHC for all six years he has been in the housing industry. When asked why he has been a partner for so many years, Chad says, “My clients benefit from being able to take advantage of the down payment assistance and special programs such as the HHF DAP, along with the wide array of programs offered by KHC to tailor a the deal that’s right for their situation. Being able to keep some money in their pockets for reserve, renovations, upgrades, etc., versus using it for a down payment makes all the difference to some folks, with their decision-making on purchasing a home.”

When you’re ready to purchase a home, contact Chad at:
Phone: 270-304-5012
Email: chad@centurymortgage.com
Website: www.centurymortgage.com/cgoodin


Margaret Clark 

Margaret Clark, Stockton Mortgage Corporation (Statewide)

Margaret has worked with KHC for three of her 15 years in the mortgage lending business. Margaret says, "KHC has many great programs that enable my clients to become homeowners. I have been able to help clients that have been told no with other lenders by utilizing the various products KHC offers. The underwriters are located in Kentucky and I appreciate the fact that they will take the time to talk with me about a loan file if I have a question or concern.”

When you’re ready to purchase a home, contact Margaret at:
Phone: 606-219-4208 or 606-875-8930  
Email: mclark@smcapproved.com
Website: www.smcapproved.com


Shannon Neuschwander 

Shannon Neuschwander, Homeservices Lending (Statewide)

Shannon has worked with KHC for all 21 of her years in the mortgage lending business. Shannon shares her experience and says, “Kentucky Housing makes homeownership achievable for my clients with great loan options for that range from down payment assistance to lower MI programs. Kentucky Housing is a must for my business and clients.”

When you’re ready to purchase a home, contact Shannon at:
Phone: 270-505-1320 or 270-300-6772
Email: ShannonNeuschwander@homeserviceslending.com
Website: shannonneuschwander.homeserviceslending.com


Tom Freppon 

Tom Freppon, Stockton Mortgage Company (Boone, Kenton, Campbell, Pendleton, Grant, Gallatin, Bracken, Carroll, Owen, Mason, Harrison)

Tom has worked with KHC for all 17 of his years in the mortgage lending business. Tom shares his experience and says, “Kentucky Housing Corporation offers a full array of lending options including loans only available to state housing agencies. Coupled with down payment assistance for those in need, KHC is a very valuable resource for homebuyers in my market.”

When you’re ready to purchase a home in Tom's area, contact him at:
Phone: 859-344-7306 or 859-240-2332
Email: tfreppon@smcapproved.com
Website: www.smcapproved.com/find-an-office/florence/tom-freppon


Chase Blume 

Chase BlumeCentury Mortgage Company (Jefferson and surrounding counties)

Chase has worked with KHC for all seven of his years in the mortgage lending business. Chase shares his excitement and says, "KHC's no-money-down, $10,000 HFF DAP helps my clients save the money they have in savings/checking to have a nice cushion going into their new home.”

When you’re ready to purchase a home, contact Chase at:
Phone: 502-235-3652
Email: chase@centurymortgage.com
Website: www.centurymortgage.com/cblume


Lisa Onan 

Lisa Onan, Liberty Financial (Henderson, Union, Webster)

Lisa has worked with KHC for three years in the mortgage lending business. Lisa shares her excitement and says, "I’m very thankful for KHC programs it gives everyone a fair chance to get a home loan. KHC Programs really help first time Homebuyers.”

When you’re ready to purchase a home, contact Lisa at:
Phone: 270-713-0125 or 270-860-2274
Email: lonan@liberty.financial
Website: liberty.financial


Amber Smith Mahoney 

Amber Smith Mahoney, Century Mortgage Company (Statewide)

Amber has worked in the mortgage lending industry for 17 years, over 11 of which she has partnered with KHC. Amber said, “KHC gives me the ability to offer several options to my clients. It's very humbling to help a family get into their first home or the next chapter of their life. People still have the misconception that they need a big down payment, and when I show them the Down payment Assistance Program or the Conventional No MI that KHC has to offer, you always get to see a smile across their face when they realize their dream is closer to reality. I've been a KHC top loan officer since 2010 and I hope to continue that for many more years. Thanks to KHC, I'll get to help more families in 2017 purchase their home and continue living the American Dream.”

When you’re ready to purchase a home, contact Amber at:
Phone: 502-753-4117 or 502-741-4612
Email:  amber@centurymortgage.com
Website:  www.centurymortgage.com/amahoney


Gale Grant 

Gale Grant, Caliber Home Loans (Boone, Kenton, Campbell, Grant)

Gale has worked with KHC for seven of his 18 years in the mortgage lending business. Gale says, "Clients benefit from MCCs (Homebuyer Tax Credits) and Down payment Assistance Programs. They find their down payment is smarter going toward debt, furniture or redecorating.”

When you’re ready to purchase a home, contact Gale at:
Phone: 859-802-4903
Email: gale.grant@caliberhomeloans.com
Website: www.caliberhomeloans.com/ggrant


Keith Brown 

Keith Brown, American Mortgage Service Company (Bullitt, Jefferson, Nelson, Spencer, Shelby, Hardin, Oldham)

Keith has worked with KHC for 20 of the 22 years in the mortgage lending business. Keith said, "I have been able to help buyers that either have limited funds, or limited equity in their current home, to purchase a home. Having access to down payment assistance is sometimes the difference between owning a home and having to rent.”

When you’re ready to purchase a home, contact Keith at:
Phone: 502-526-5546 or 502-648-5179
Email: Keith.Brown@AmericanMortgage.com
Website: www.KeithBrownLO.com


Kenneth Prost 

Kenneth Prost, Polaris Home Funding (Campbell, Boone, Kenton, Grant, Bracken)

Kenneth has worked with KHC for 10 of his 20 years in the mortgage lending business. Kenneth shares his thoughts on KHC and says, “I believe I am a mortgage advocate, not simply a loan officer. As an advocate for my clients, I believe they have the right to my time, the right to qualified advice, and the right to tell their story. I feel KHC shares this vision. Their programs allow me the opportunity to offer affordable housing solutions with down payment assistance to customers; many of whom may not have been able to purchase without the availability of KHC. Some of my happiest and most appreciative clients are KHC program participants.”

When you’re ready to purchase a home, contact Kenneth at:
Phone: 859-795-1316 513-265-8792 cell
Email: kprost1011@polarishfc.com
Website: www.homeloansuccess.com


Milt Snyder 

Milt Snyder, American Mortgage Service Company (Boone, Kenton, Campbell)

Milt has worked with KHC for 14 for his 20 years in the mortgage lending business. Milt says, "KHC programs get us over the down payment and closing costs hurdles affordably. The MCC is the greatest thing since the Twinkie. Being a delegated underwriter gets us to the closing table efficiently and timely. Love KHC!”

When you’re ready to purchase a home, contact Milt at:
Phone: 859-760-6262
Email: Milt.snyder@americanmortgage.com
Website: MiltSnyder.com