About Brad Hamblen Home Loans
Home financing should feel clear, steady, and supportive—not stressful or confusing. Brad Hamblen Home Loans is built around a simple promise: give people honest guidance, explain options in plain language, and help them make confident decisions that support long-term stability and wealth-building through homeownership.
Meet Brad Hamblen
Brad Hamblen is a Branch Manager at Citywide Home Mortgage and serves borrowers from the Florence, Kentucky office (NMLS #52831). Brad is known for a warm, down-to-earth style that makes mortgage options easier to understand—without pressure or jargon.
Brad also believes homeownership is more than a transaction. It can be a foundation for financial stability—helping families and investors build equity, expand opportunities, and invest in themselves over time.
A Team-Backed Experience From Start to Close
Brad leads your loan strategy and communication, and you’re also supported by a local team that helps coordinate documents, track milestones, and keep everything moving smoothly—so the process stays organized and you always know what happens next.
Your Florence Team
Brad Hamblen
Branch Manager
NMLS #52831
Steph Devlin
Sales Manager
NMLS #1514919
Rob Trump
Senior Loan Officer
NMLS #1295728
Jacob Giesler
Senior Loan Officer
NMLS #2184483
Mission and Values
To empower individuals and families to achieve homeownership and build generational wealth through honest, transparent, personalized mortgage guidance—so they feel confident and cared for, not overwhelmed.
Integrity • Education • Communication • Empathy • Excellence
Who Brad Helps
Brad works with people who are ready to buy, refinance, build, or invest—but want a trusted guide who keeps things simple and clear. Citywide’s official profile highlights experience supporting first-time homebuyers, refinancing, and construction loans.
Brad also supports:
Growing families and move-up buyers
Self-employed borrowers and entrepreneurs
Investors financing rentals or vacation properties (wealth-building focused)
Mortgage Loan Programs & Solutions
Brad supports purchase loans, refinances, and construction financing through the Florence, KY branch.
Additional Options (Based on Eligibility and Goals)
Jumbo loans, renovation financing, adjustable-rate mortgages, HELOC/home equity options, cash-out refinances, and specialty solutions for self-employed borrowers and investors.
How the Process Works
Step 1 — A Pressure-Free Consultation
A quick call to understand goals, timeline, and payment comfort level—then map out the next best step.
Step 2 — Pre-Approval and Clear Strategy
A straightforward checklist, transparent options, and a plan that supports your offer strategy.
Step 3 — Support Through Closing (and beyond)
Steady communication, proactive problem-solving, and a process that stays organized from application to closing.
Free Resources
If you like to review details before you speak with a loan officer, Brad provides practical, jargon-free resources designed to help you feel prepared and confident.
Home Loan Readiness Checklist
First-Time Homebuyer Guide
Local Roots and Life Outside Work
Brad’s official Citywide profile notes he grew up in Florence, KY and has deep ties to the greater Cincinnati area. Outside the office, he’s family-focused and enjoys community life and outdoor activities—especially lake time in the summer, skiing in the winter, and adventure sports like dirt biking.
Office Location, Hours, and Contact
Citywide Home Mortgage — Florence Branch (NMLS #2641998)
6900 Houston Road, Unit 25, Florence, KY 41042 Main Phone: (859) 466-7230
Office Hours
Monday–Friday: 8:30 AM – 5:30 PM
Saturday–Sunday: Closed
*Hours may vary—please call to confirm.
Multi-State Licensing
Brad’s Citywide profile lists the following license identifiers (as shown on the official profile page):
South Carolina: MLO – 52831 • North Carolina: I-225507 • Florida: LO47219 • Georgia: 52831 • Ohio: MLO.022142.001 • Indiana: 32310 • Kentucky: MC809392 • Tennessee: 52831 • Texas: Licensed • Virginia: MLO-48143VA
Reviews and Reputation
Brad is trusted by homebuyers, homeowners, and investors across Northern Kentucky and Greater Cincinnati. To see what clients are saying, browse our Google Reviews below—then schedule a call if you’d like help with your next step.
What Clients Say
Borrowers commonly mention how well the process was explained and how supported they felt throughout the transaction.
Mortgage FAQ
Questions People Ask Before Scheduling a Call
What should I do first if I’m thinking about buying a home?
Start with a short conversation to review your goals, price range, and timeline. From there, the next step is typically a pre-approval plan and a clear checklist of documents.
What’s the difference between pre-qualification and pre-approval?
Pre-qualification is an early estimate. Pre-approval is stronger and typically involves deeper review of documentation so you can shop and make offers with more confidence.
How long does it take to get pre-approved?
Timelines vary based on the loan program and how quickly documents are provided. Many borrowers can get clear next steps quickly once the application and initial documents are submitted.
What documents do I need for a mortgage?
Most borrowers need identification, income documentation, recent bank statements, and permission to review credit. Self-employed borrowers may use different documentation depending on the program.
Â
How much down payment do I need?
It depends on the loan program, property type, and your borrower profile. Some programs allow lower down payments, and down payment assistance may be available for qualified buyers.
What credit score do I need to qualify?
Minimum credit requirements vary by program and borrower profile. The best approach is a quick review so you know which options are realistic and what steps could strengthen eligibility.
Can I qualify if I’m self-employed or my income is irregular?
Yes. Depending on your situation, there may be options that use different documentation approaches. The best fit depends on how income is structured and what the program requires.
Â
Do you offer construction or renovation financing?
Yes. Construction and renovation financing may be available depending on your goals, property type, and eligibility. These loans require additional planning and documentation, so it helps to start early.
Can you help with investment property financing?
Yes. There are investor-focused options that can support rental property goals and portfolio growth depending on eligibility, property type, and how you plan to use the property.
What areas do you serve?
Brad is based in Florence, KY and supports borrowers in Northern Kentucky and Greater Cincinnati. Licensing also allows support in multiple states, depending on where the property is located and borrower eligibility.
Ready for Clear Answers and a Simple Next Step?
Whether you’re buying your first home, refinancing, building, or purchasing an investment property, the goal is the same: a loan plan you understand and a process that stays organized from start to close. Schedule a call to get straightforward guidance, a realistic timeline, and the next-step checklist based on your goals.
Equal Housing Lender. Loan programs, rates, and eligibility vary by borrower and state. This content is for informational purposes and is not a commitment to lend.
Join Our Newsletter
Get our latest resource guides, informative mortgage news, and valuable insights to help you navigate the complexities of the home buying process sent right to your inbox.