Your hometown broker.Better rates. Real people.
23 years of mortgage experience across Northern Kentucky and Cincinnati.
Start with a question, not an application.
Tell Lee a little about what you're after and he'll come back with real numbers and honest options. It takes about a minute, and nothing here affects your credit.
- 176 five-star reviews from neighbors across Northern Kentucky and Cincinnati.
- 23+ years and 100+ wholesale lenders shopped on every file.
- Would rather just talk? (859) 380-5674
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See what your mortgage could look like, in 30 seconds.
Plug in a home price, down payment, and rate. We'll show you a realistic monthly payment including taxes, insurance, and PMI. No email required, no sign-up, no upsell.
Estimate your payment
30 secEstimate only. Includes principal, interest, and estimated taxes, insurance, and PMI. Not a commitment to lend.
Three paths, one broker
Tell us what you're trying to do and we'll match you with the right loan program, no pressure, no sales pitch.
Buy a home
Conventional, FHA, VA, USDA, and jumbo, whichever loan fits your situation best, we shop wholesale rates for you.
See loan programs
Refinance
Lower your rate, shorten your term, pull cash out, or drop FHA mortgage insurance. We'll run the break-even honestly.
Explore refinancing
First-time buyer
Not sure where to start? Our first-time buyer guide walks you through pre-qualification, timelines, and programs.
Read the guide
A real broker, based in Fort Thomas.
Lee Witte has been originating mortgages in Northern Kentucky and Greater Cincinnati for 23 years. He picks up his own phone, runs the break-even math himself, and will tell you when a refinance doesn't pencil out.
“We treat each customer as an individual, not a number.”
- 23+ yrsin the business
- Fort Thomaslocal, since day one
- 100+ lendersshopped for every file
Three steps. No surprises.
The mortgage process has a reputation for being stressful. We've spent 23 years making it considerably less so.
STEP 01Talk
A 15-minute phone call. Lee pulls credit (with your OK), listens to your plans, and tells you honestly what you qualify for.
- STEP 02
Get approved
Upload docs securely. We shop your file across multiple wholesale lenders and issue a pre-approval letter sellers trust.
STEP 03Close
Lee and his team close loans in about 22 days on average. You get updates, not radio silence, from application to closing.
Reviews from real closings
Google reviews pulled live from our Business Profile. Never curated, never cherry-picked.
Find the loan that fits
Ten loan programs we close every month, shopped across 100+ A-rated wholesale lenders. Click any for details, or talk to Lee and we'll match you with the cheapest path that approves your file.
Conventional
The flexible standard. 3% down for first-time buyers, drop-PMI structures, widest program menu.
FHA
3.5% down, flexible credit. The forgiving go-to for first-time buyers and credit rebuilders.
VA
Zero down, no monthly PMI, and some of the best rates on the market, for eligible veterans.
USDA
Zero-down financing in eligible rural and suburban areas across NKY and Greater Cincinnati.
Jumbo
Above-conforming financing shopped across our wholesale panel, flexible structures, real competition.
Refinance
Rate, term, cash-out, and FHA-to-conventional. Honest break-even math before you commit.
HELOC
Tap your equity without touching your first-mortgage rate. Draw, repay, redraw.
Investment Property
Rentals, multi-family, DSCR, and second homes. Qualify on rental income when it fits.
Self-Employed
Bank statements, 1099s, and asset-depletion paths. Real qualifying for business owners.
Local coverage, wholesale rates
We close loans across Northern Kentucky and Greater Cincinnati. Each city page gets into specifics, market notes, loan program fit, and local quirks.
- Fort Thomas, KYNorthern Kentucky
- Florence, KYNorthern Kentucky
- Bellevue, KYNorthern Kentucky
- Covington, KYNorthern Kentucky
- Newport, KYNorthern Kentucky
- Alexandria, KYNorthern Kentucky
- Highland Heights, KYNorthern Kentucky
- Cold Spring, KYNorthern Kentucky
- Northern KentuckyNorthern Kentucky
- Cincinnati, OHGreater Cincinnati
- Dayton, KYNorthern Kentucky
Ready when you are.
Apply online in about 10 minutes, or call and talk to Lee directly. No pressure, no cost to pre-qualify.