At Republic State Mortgage our goal is to deliver you the best home lending options through an experience that leaves you confident about your decision.
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We provide VA Loans, Rural Housing, Refinance, FHA Loans, Conventional, Purchases. Chad Hays, NMLS #148936
Republic State Mortgage Company NMLS #62411
5.0 star review received on Experience.com for Chad Hays by Leianne A - Chad was very helpful. This was the first time my mother and I had done anything like this and he worked hard to help us out
Click to see all 251 reviews of Chad Hays, Loan Officer | NMLS # 148936
5.0 star review received on Experience.com for Chad Hays by Reginald A - Chad always responded in a timely manner and answered all are questions promptly.
Click to see all 249 reviews of Chad Hays, Loan Officer | NMLS # 148936
5.0 star review received on Experience.com for Chad Hays by Dallas T - Chad was always available, made the process seem easy, and answered any questions I had. He was great to work with!
Click to see all 249 reviews of Chad Hays, Loan Officer | NMLS # 148936
5.0 star review received on Experience.com for Chad Hays by William P B I - Chad was extremely responsive and helpful, making the entire process painless and easy!
Click to see all 248 reviews of Chad Hays, Loan Officer | NMLS # 148936
5.0 star review received on Experience.com for Chad Hays by Charlsey N - Chad’s response time, communication, and professionalism were outstanding. The process from pre approval to close was much less stressful than anticipated all because of Chad.
Click to see all 247 reviews of Chad Hays, Loan Officer | NMLS # 148936
5.0 star review received on Experience.com for Chad Hays by Christie C - Returning client to Chad, he makes every transaction seamless and worry free.
Click to see all 246 reviews of Chad Hays, Loan Officer | NMLS # 148936
5.0 star review received on Experience.com for Chad Hays by Heather M P - We appreciate everything! Thank you!!
Click to see all 245 reviews of Chad Hays, Loan Officer | NMLS # 148936
5.0 star review received on Experience.com for Chad Hays by Silas H - There was clear communication, he explained everything in a way people can understand.
Click to see all 244 reviews of Chad Hays, Loan Officer | NMLS # 148936
5.0 star review received on Experience.com for Chad Hays by Dakota L - Chad was absolutely amazing to work with! He was honest all the way during the entire process! If was had any kind of question, big or small, he was right on it! His communication was wonderful! He kept us in the loop with everything and never kept the fine details quiet! With us being 1st time home owners he made this entire experience so smooth for us! We will ALWAYS choose Chad, whether we are refinancing or decide to buy again! Thank you Chad for everything you helped our family with, we can’t be thankful enough for you!
Click to see all 243 reviews of Chad Hays, Loan Officer | NMLS # 148936
5.0 star review received on Experience.com for Chad Hays by Eric C - Chad was amazing. He did great work very knowledge Answered all the questions we needed and very helpful
Click to see all 242 reviews of Chad Hays, Loan Officer | NMLS # 148936
5.0 star review received on Experience.com for Chad Hays by Tina J - They were very helpful and willing to work with you
Click to see all 241 reviews of Chad Hays, Loan Officer | NMLS # 148936
4.83 star review received on Experience.com for Chad Hays by Wendolyn C - Super quick process
Click to see all 240 reviews of Chad Hays, Loan Officer | NMLS # 148936
5.0 star review received on Experience.com for Chad Hays by Alberto A J - Chad is very professional, he is very responsive to emails, texts and calls. Chad made it a great overall experience to buy my home.
Click to see all 239 reviews of Chad Hays, Loan Officer | NMLS # 148936
5.0 star review received on Experience.com for Chad Hays by Susanna H H - Chad was very prompt and professional in all his communication. He went out of his way to help us get what we needed in a timely manner.
Click to see all 238 reviews of Chad Hays, Loan Officer | NMLS # 148936
5.0 star review received on Experience.com for Chad Hays by Jessica A - Chad was very responsive to my questions. He responded quickly with a professional tone. I had a lot of questions and he helped me understand everything.
Click to see all 237 reviews of Chad Hays, Loan Officer | NMLS # 148936
5.0 star review received on Experience.com for Chad Hays by Ricky O - He knows how to get things done and makes it easy for me
Click to see all 230 reviews of Chad Hays, Loan Officer | NMLS # 148936
5.0 star review received on Experience.com for Chad Hays by Vicki R - ...........
Click to see all 229 reviews of Chad Hays, Loan Officer | NMLS # 148936
5.0 star review received on Experience.com for Chad Hays by Donna R - ..........
Click to see all 229 reviews of Chad Hays, Loan Officer | NMLS # 148936
5.0 star review received on Experience.com for Chad Hays by Danielle R S - Chad was very easy to work with, quick and easy communication, extremely helpful to anything we didn’t understand as first time home buyers! We definitely recommend him to anyone in the future interested in applying for a loan!
Click to see all 227 reviews of Chad Hays, Loan Officer | NMLS # 148936
4.83 star review received on Experience.com for Chad Hays by Caleb K - Very helpful on the updated step by step needs to process loan.
Click to see all 226 reviews of Chad Hays, Loan Officer | NMLS # 148936
4.83 star review received on Experience.com for Chad Hays by Morgan B K - Quick, easy to work with and helpful.
Click to see all 225 reviews of Chad Hays, Loan Officer | NMLS # 148936
5.0 star review received on Experience.com for Chad Hays by Darik B - Clarity and promptness of information shared
Click to see all 224 reviews of Chad Hays, Loan Officer | NMLS # 148936
5.0 star review received on Experience.com for Chad Hays by Cori H - You made it so easy for us
Click to see all 222 reviews of Chad Hays, Loan Officer | NMLS # 148936
5.0 star review received on Experience.com for Chad Hays by Elizabeth A - Chad was great, communicated well and in timely manner, was there for any questions and delt with me for about 4years to get me my home.
BUT the company it's self needs to rethink their process. YOUR client needs to know they are actually approved before the last process you have now. I already was scheduled for my closing on Friday and on Tuesday the underwriter told me I couldn't get the loan because something they told me in the beginning was fine and that they could do it and then backed out of their word at the last minute! So if I had not had the extra16,000 to pay off a loan I would not have been able to get my home and I would have been out a couple thousand on top of that! I shouldn't have found out that there was a problem with what was agreed upon 3days before closing that causes problems for everyone. In my opinion you should know for sure that you can give a person the loan before they start getting inspections on a home so they don't waste money they may not be able to pay again or find out at the very end that they need more money that they can't afford to pay. Rest his soul but if it had not been for my dad's life insurance I would not have been able to pay the extra 16,000 that was not part of original agreement! And would not have been able to come up with it. Rethink your process to help people know what they need to have before giving them their dream and then riping it away if that can't do any extra!
Click to see all 221 reviews of Chad Hays, Loan Officer | NMLS # 148936
5.0 star review received on Experience.com for Chad Hays by Emily A - Very easy to complete paper work. It was always very quick and easy to get in contact with our loan officer, they always answered calls and responded timely.
Click to see all 220 reviews of Chad Hays, Loan Officer | NMLS # 148936
5.0 star review received on Experience.com for Chad Hays by Hugh A - Fast communication, Flexible and easy to work with.
Click to see all 219 reviews of Chad Hays, Loan Officer | NMLS # 148936
5.0 star review received on Experience.com for Chad Hays by Aldrich S - Quick knowledgeable responses even on weekends. Did not feel like I was being cheated or mislead in anyway.
Click to see all 218 reviews of Chad Hays, Loan Officer | NMLS # 148936
5.0 star review received on Experience.com for Chad Hays by Samantha J - Chad was very helpful and attentive. It really helped us understand everything we were doing.
Click to see all 216 reviews of Chad Hays, Loan Officer | NMLS # 148936
Here at Republic, our #1 core value is relationships!
What does that look like to us?
🔹Building Relationships with our customers to help them accomplish the American dream of owning a home.
🔹Building relationships within our team! That way we can help you accomplish your goals even better!
"Our purpose is building relationships!"
Paying rent every month can often feel like a waste of money. Let’s change that!
🏠Owning a home will give you many things:
🔹Build equity
🔹Being able to customize your space
🔹Not having to worry about your rent increasing next year
Contact us today and we can discuss your options!
Aspiring to be a new homeowner? Let’s get you pre-approved today!
Getting pre-approved will help you in many ways!
🔹You will know how much you can afford when buying a new home.
🔹You will also be able to put in an offer after you have found your dream home.
Contact us today and we will help you get pre-approved!
🥳Join us today, as we celebrate Lauren's Birthday!🥳
Lauren, is our region's Processing Manager. We are so thankful for all that she does for our team! We hope your day is as special as you are to us!
Comment below wishing Lauren the best day!
No one knows what will happen during the 15 or 30 years of your mortgage term. And just like the housing market fluctuates and rates go up and down, your career, family situation, and other circumstances can change, too. There are certain times refinancing might be a good financial move, here’s three of them:
🔹 The interest rates went down
🔹 Household Income changed
🔹 Debt-to-Income ratio shifted
Wanting to consider refinancing?? Contact us today and we can answer any questions you have!
📣We have a few different options to choose from when it comes to financing a home with no down payment!
🏠 Kentucky Housing Loan with a DAP
🏠 USDA loan
🏠 VA loan
Contact us today to talk to a loan officer about these options!
*Subject to loan guidelines.
We love the culture here at Republic!
We've been named a 2022 winner! Thanks to our hard-working and dedicated employees, who helped to make this happen!
Find more info here: https://topworkplaces.com/company/republic-state-mortgage/chron/
📣Have you heard yet?? The NEW loan limits for 2022 are out and we are excited for this INCREASE!
Contact us today to find out how this increase could benefit you!
Republic State Mortgage offices will be closed on Monday, January 17 in observance of MLK Day honoring Dr. Martin Luther King Jr. Our offices will reopen on Tuesday, January 18 at 9 a.m.
Republic State Mortgage offices will be closed on Friday, December 31 for the New Year's holiday. We will reopen on Monday, Jan. 3 at 9 a.m. We would like to wish everyone a safe and Happy New Year!
750 Main Street
Frankfort, KY
40065
| Monday | 9am - 5pm |
| Tuesday | 9am - 5pm |
| Wednesday | 9am - 5pm |
| Thursday | 9am - 5pm |
| Friday | 9am - 5pm |
[email protected]?from_mobile_share=true" itemprop="url" target="_blank">https://ezapp.republicstatemortgage.com/homehub/signup/[email protected]?from_mobile_share=true
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Wishing everyone a Happy Mother's Day! 🌸
If you are considering buying a home, now is the time! There are many options for low down payment mortgage loans and you can add closing costs to the loan amount, up to the appraised value. Get in touch with me below to see how you can realize your dream of being a homeowner!
If you are considering buying a home, now is the time! There are many options for low down payment mortgage loans and you can add closing costs to the loan amount, up to the appraised value. Get in touch with me below to see how you can realize your dream of being a homeowner!
If you are considering buying a home, now is the time! There are many options for low down payment mortgage loans and you can add closing costs to the loan amount, up to the appraised value. Get in touch with me below to see how you can realize your dream of being a homeowner!
If you are considering buying a home, now is the time! There are many options for low down payment mortgage loans and you can add closing costs to the loan amount, up to the appraised value. Get in touch with me below to see how you can realize your dream of being a homeowner!
The Fed has cut rates by the largest amount since 2008! With rates currently at historic lows, now is a great time to refinance your home loan. Send a message below to explore what your savings could be!
The Fed has cut rates by the largest amount since 2008! With rates currently at historic lows, now is a great time to refinance your home loan. Send a message below to explore what your savings could be!
What are you waiting for? Now could be the perfect time to refinance your home loan, putting extra cash in your pocket. Send a message to talk details!
The Fed has cut rates by the largest amount since 2008! With rates currently at historic lows, now is a great time to refinance your home loan. Send a message below to explore what your savings could be! https://chays.republicstatemortgage.com/
The Fed has cut rates by the largest amount since 2008! With rates currently at historic lows, now is a great time to refinance your home loan. Send a message below to explore what your savings could be!
The Fed has cuts rates by the largest amount since 2008! With rates currently at historic lows, now is a great time refinance a mortgage. Send a message below to explore what your savings could be!
🏠 When thinking about buying a home it is important to learn what loan programs are available! ⬇️ Message us below to learn about our many options for low down payment mortgage loans.
🏠 When thinking about buying a home it is important to learn what loan programs are available! ⬇️ Message us below to learn about our many options for low down payment mortgage loans.
At Republic State Mortgage our goal is to deliver you the best home lending options through an experience that leaves you confident about your decision. We provide VA Loans, Rural Housing, Refinance, FHA Loans, Conventional, Purchases. Chad Hays, NMLS #148936 Republic State Mortgage Company NMLS #62411
