Kentucky Housing Corporation
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KHC Top Loan Producers

KHC 2016 Top Loan Producers​

Kentucky Housing Corporation (KHC) is pleased to recognize our Top Loan Producers for the 2016 calendar year. Kentuckians who received a loan from KHC in 2016 worked with one of 98 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 94,000 Kentucky households become homeowners. We thank all of our lending partners for helping provide Kentuckians affordable homeownership opportunities

Pictures from the 12th 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

American Mortgage Service Company​

 

Kentucky Housing's Top Producing Loan Officers

Elayne Havens 

Elayne Havens, American Mortgage Service Company (Bullitt, Jefferson, Oldham, Spencer, Trimble, Hardin)

KHC loans in 2016: 88

Elayne has worked with KHC for the entirety of her 25-year history in the mortgage lending business. When asked what keeps her working with KHC, Elayne said, “I have always taken advantage of Kentucky Housing Corporation's programs, however in the last few years the conventional program with no mortgage insurance is a great program for home buyers.

My clients benefit in multiple ways from utilizing the KHC programs, without those programs a lot of customers would not be able to obtain the American dream of homeownership. There are programs for every type of home buyer, no matter what their situation is.”

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: www.elaynehavens.com​


Josh Price 

Josh Price, Envoy Mortgage (Statewide)

Josh has been helping his customers with KHC loans for 3 of his 12 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​


Darrell Overstreet 

Darrell Overstreet, Key Mortgage Company of Kentucky (Statewide)

Darrell has been working with KHC for over 37 years. “It has been such a great honor to work with Kentucky Housing Corporation. I have the upmost respect for the staff,” said Darrell. “They truly have a passion for providing financing to folks who want to own their own homes. What a blessing it is to be a part of this industry and knowing the people at KHC.”

When you’re ready to purchase a home, contact Darrell at:
Phone: 270-384-1735
Email:  doverstreet@kmcky.com
Website:  www.kmcky.com


Teri Farris Knott 

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

Teri has been helping her customers with KHC loans for the 21 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 Convential 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


Jesse Cronen 

Jesse Cronen, Commonwealth Bank and Trust (Statewide)

Jesse has worked with KHC for 3 of his 13 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: www.cbandt.com/jcronen


Tracy Holtsclaw 

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

Tracy has worked with KHC for 16 of her 19 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


Paul DeSurne 

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

Paul has been in the mortgage lending business for 24 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
Email: madpwd@bellsouth.net


Dustin Mistelske 

Dustin Mistelske, First Liberty Financial Mortgage (Statewide)

Dustin has worked in the mortgage lending business for four years, most of which he has been partnering with KHC. Dustin said, “My clients come to me not knowing if they can purchase a new home, because they don't have enough saved in the bank for a down payment, but they’re tired of renting and overpaying. This is where the DAP and grant programs come into play, and it has allowed me to change my clients' lives. They now have a place they can call home every single day!”

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


Kevin Brinkman 

Kevin Brinkman, Caliber Home Loans (All of northern Kentucky, including Bracken, Grant, Pendleton)

Kevin has worked with KHC for 21 of his 23 years in the mortgage industry. When asked how his clients benefit from KHC offerings, Kevin said, “My clients benefit from the rates that KHC offer, as well as needing down payment assistance so that they can get into a home. KHC is an awesome program and is probably one of the best in the nation. As a result, families come together in their own home because of KHC and might not have gotten into their own home without it.”

When you’re ready to purchase a home in Kevin's area, contact him at:
Phone:  859-743-1121 or 859-912-7506
Email: kevin.brinkman@caliberhomeloans.com
Website: www.kyloan.net


Heather Montgomery 

Heather Montgomery, First Liberty Financial Mortgage (Statewide)

Heather has worked with KHC for 2 of her 19 years in the mortgage lending business. Heather shares her excitement and says, “I focus a large part of my business in assisting first-time homebuyers and with KHC's down payment assistance, I am able to help many more buyers achieve their dreams of homeownership. The interest rates are very competitive and the staff at KHC are always eager to help.”

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


Christopher Squires 

Christopher Squires, InterLinc Mortgage Services (Statewide)

Christopher has worked with KHC for 3 of his 15 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


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 15 of his years in the mortgage lending business. Tom shares his experience and says, “Many homebuyers qualify to purchase homes but lack the necessary down payment. The Kentucky Housing Down payment Assistance Programs provide a key component in financing options. KHC also offers unique financing options and the Home Buyer Tax Credits benefit borrowers for years after their purchase.”

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


Susan Morgan 

Susan Morgan, American Mortgage Service Company (Statewide)

Susan has worked for 31 years in the mortgage lending business. When asked how her clients benefit from KHC, she said, “KHC programs are a fantastic tool for all homebuyers who are in need of down payment assistance. KHC's DAP programs make homeownership possible for many borrowers who would not otherwise be able to purchase a home. KHC's Home Buyer Tax Credit is also a great tool for qualified borrowers, it enables them to save thousands in federal income taxes over the life of the loan.”

When you’re ready to purchase a home, contact Susan at:
Phone:  859-512-6430
Email: susan@morganteam.com
Website: www.morganteam.com


Sue Ann McKissick 

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

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 tremendously with the different loan programs offered by Kentucky Housing. The down payment assistance allows so many to become homeowners that might not otherwise be able to do so. It is a really awesome experience to assist a buyer in taking advantage of the special funding programs when they are available. I appreciate the caring staff at KHC, we all benefit when working with them!"

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


Tim Eickhoff 

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

Tim has worked with KHC for 15 of his 20 years in the mortgage lending business. Tim says, “KHC offers a varierty of programs to help suit the buyer's needs. I feel that KHC truly has the buyer's best interest at heart while trying to help them achieve the American dream.”

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


Helen Ruehmer 

Helen Ruehmer, American Mortgage Service Company​ (Kenton, Boone, Campbell)

Helen has been partnering with KHC for 15 of the 21 years she has been in the housing industry. When asked why she has been a partner for so many years, Helen says, “KHC is beneficial for many of my clients. With the help of the Down payment Assistance Program (DAP), I watch the dream of home ownership become a reality for many of my home buyers. The staff at KHC are always friendly and supportive - it's a great experience working with KHC each and every time!"

When you’re ready to purchase a home, contact Helen at:
Phone:  859-578-7821 or 513-252-4063
Email: Helen.Ruehmer@AmericanMortgage.com
Website: www.LoansByHelen.com


Josh M. Hay 

Josh M. Hay, Envoy Mortgage (Jefferson, Oldham, Shelby, Bullitt, Meade, Hardin, Nelson, Breckenridge, Grayson)

Josh has worked with KHC for 10 of his 15 years in the mortgage lending business. Josh says, “The incredible benefits of the Down Payment assistance Programs through KHC have helped many of my clients achieve the dream of home ownership who would not have been able to do so if it weren’t for KHC.”

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, Citizens National Bank of Somerset (Statewide)

Dennis has been helping his customers with KHC loans and working in the mortgage loan business for 18 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:  606-678-2267 or 606-679-6341
Email: dtindle@cnbsomerset.com
Website: www.cnbsomerset.com/loanapp


Clayton Farris 

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

Clayton has worked with KHC for over 19 of his 21 years in the mortgage lending business. Clayton shares his excitement and says, “KHC provides several opportunities for individuas 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


Jesse Hardin 

Jesse Hardin, Bank of England Mortgage (Statewide)

Jesse has worked with KHC for 9 of the 16 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


Chris Roberts 

Chris Roberts, AmeriFirst Home 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, “My clients benefit from the option to get 100 percent financing. Most of my borrowers had the down payment but that would have used all their funds. We utlized the DAP, then they had the money they needed to furnish the home and stash away a nice emergency fund. I was also so blessed to give one young lady the 2 percent special funds, she was a single-mother and it allowed her to buy a home for less than she was renting for. That was my most memorable transaction of the year.”

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


Sherrida Burrus 

Sherrida Burrus, Stockton Mortgage Corporation (Statewide)

Sherrida has been partnering with KHC for 18 of the 22 years she has been in the housing industry. When asked why she has been a partner for so many years, Sherrida says, “My clients benefit from all of the products offered by KHC. I especially use secondary market money, which is less restrictive than MRB. Most first-time buyers feel better knowing their loan is serviced right here in Kentucky.”

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


Darrell DeVore 

Darrell DeVore, Century Mortgage Company (Statewide)

Darrell has worked with KHC for all seven 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


Ravi Patel 

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

Ravi has worked with KHC for two of his four years in the mortgage lending business. Ravi says, “With the help of Kentucky Housing programs and staff, we are able to serve our customers, referral partners, and the communities we live in a manner that we are proud of.”

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


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

 
 

Kenneth Prost 

Kenneth Prost, Polaris Home Funding (Statewide)

Kenneth has worked with KHC for 10 of his 19 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 theirstory. 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
Email: kprost1011@polarishfc.com
Website: www.homeloansuccess.com


Tom Barron 

Tom Barron, Stockton Mortgage Corporation (Scott, Fayette, Harrison, Bourbon, Franklin, Anderson, Jessamine, Woodford)

Tom has worked with KHC for 11 of his years in the mortgage lending business. Tom shares, “I had 18 clients in 2016 that were able to utilize KHC's Home Buyer Tax Credit program. With an average loan amount of $143,610; the average tax credit that my clients received was $1,301. With the new 2017 guidelines, that will increase to $1,822!”

When you’re ready to purchase a home in Tom's area, contact him at:
Phone:  502-316-6640 or 859-509-3784
Email: tbarron@smcapproved.com
Website: www.smcapproved.com/find-an-office/georgetown/tom-barron


Chase Blume 

Chase BlumeCentury Mortgage Company (Jefferson and surrounding counties)

Chase has worked with KHC for all five of his years in the mortgage lending business. Chase shares his excitement and says, “Because of KHC, clients can purchase their own home with very little out of pocket, and have a lower monthly payment compared to renting!”

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


Julia Vice 

Julia Vice, Republic State Mortgage Company (Statewide)

Julia has worked in the mortgage lending industry for 19 years, over 10 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

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