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What Loan Options Does Brad Hamblen at Citywide Home Mortgage Offer?

Serving Northern Kentucky & Greater Cincinnati from Florence, KY.

This page is your quick guide to the full range of mortgage, refinance, and home equity options available through Citywide Home Mortgage. Explore each option below, then click into the detailed page that matches your goal. Program availability and guidelines can vary by state and borrower profile.

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Find the Right Loan Option for Your Scenario

Use this quick guide to jump to the best starting point—then click into the program page for details.

Purchase Home Loans

Conventional Home Loans
A flexible, widely used mortgage option for qualified buyers. Conventional loans can work for many property types and are often a strong fit for borrowers with stable income and solid credit.
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FHA Home Loans
A government-insured loan program designed to make homeownership more accessible. FHA is often explored by buyers who want a lower down payment path and structured guidelines.
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VA Home Loans
A home loan benefit for eligible service members, veterans, and certain surviving spouses. VA financing can improve affordability and reduce barriers to buying for those who qualify.
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USDA Home Loans
A program designed for eligible properties in approved areas and qualified borrowers. Some areas may qualify more than buyers expect, depending on location rules.
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Jumbo Home Loans
A loan option for purchases that exceed conforming loan limits. Jumbo financing can support higher-priced homes when you qualify.
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Adjustable-Rate Mortgages (ARM Loans)
A mortgage structure that begins with an initial fixed period and then adjusts over time. This can be a fit depending on your timeline, payment goals, and long-term plan.
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Construction Loans and Renovation Financing

Construction Loans for New Homes
Financing designed to support the build process, often funding the project in stages. Construction lending typically requires additional planning, documentation, and timeline coordination.
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Renovation Loans
Financing designed to purchase or refinance while including improvement funds. Renovation programs can be used for repairs, upgrades, and modernization—depending on eligibility and guidelines.
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Refinance Home Loan Options

Rate and Term Refinance
A refinance focused on changing the interest rate and/or term length. This option is commonly used to reduce overall interest cost over time or adjust payoff speed.
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Cash-Out Refinance
A refinance that allows qualified homeowners to access equity as cash while replacing the existing mortgage. This is sometimes used for major goals such as renovations or large expenses—when the numbers make sense.
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Temporary Rate Buydown
A refinance strategy that can temporarily reduce your interest rate and monthly payment for the first 1–2 years, depending on program terms. This can be useful when you want short-term payment relief while you plan for longer-term affordability.
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Home Equity Loan and Line of Credit Options

HELOC (Home Equity Line of Credit)
A line of credit secured by your home’s equity. A HELOC can be useful when you want flexibility and you plan to draw funds over time rather than all at once.
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Closed-End Second Mortgage
A second mortgage option that can provide funds in a single lump sum with a defined repayment structure, depending on eligibility and product availability.
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Home Equity Options
Additional equity-based solutions may be available depending on your goals and profile. The right option depends on how you want to use the funds and how you want repayment structured.
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Down Payment Assistance and First-Time Homebuyer Programs

Down Payment Assistance (DPA)
Assistance programs may help reduce the cash needed upfront for qualified buyers. Options vary based on eligibility and program availability.
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First-Time Homebuyer Loan Options
If you’re buying your first home, there may be programs designed to make the process more accessible and manageable based on your profile.
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State Bond Programs
State bond programs can offer homebuyer support structures depending on location and eligibility guidelines.
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Investor Loans and Second-Home Financing

Investor Loans
Financing options designed for rental or investment properties. The best structure depends on cash flow goals, down payment strategy, and long-term plans.
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DSCR Loans (Debt Service Coverage Ratio Loans)
A common investor-focused approach that may emphasize property cash flow instead of traditional income qualification methods, depending on program structure and eligibility.
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Second Home Loans
Financing designed for a second residence rather than a primary home. Requirements can vary based on occupancy and intended use.
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Vacation and Rental Property Loans
If a property will be used as a vacation home or rental, financing options may be available depending on occupancy rules and qualifications.
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Fix-and-Flip Loans
Short-term financing options that may support purchase and rehab plans for experienced investors, depending on scenario and program availability.
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Mixed-Use Property Loans
Financing for properties that combine residential and commercial use. Guidelines can vary widely based on the property and occupancy plan.
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Hard Money Loans
Short-term, asset-based financing used in certain investor scenarios. Availability and terms vary, and these options are typically evaluated case-by-case.
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Specialty Mortgage Loan Programs

Same Day Mortgage
An option promoted for borrowers who want an accelerated path, based on program terms and eligibility.
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Bank Statement Loans
An option commonly used by self-employed borrowers who may not qualify using traditional documentation alone.
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Non-QM Loans (Alternative Documentation Loans)
Non-QM is a broad category for borrowers who may need alternative ways to document income, assets, or credit. Program details and availability vary by scenario and state.
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Physician Loans
A mortgage option designed for eligible medical professionals. Program details vary, but the goal is often to reduce friction for high-earning professionals early in their careers.
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ITIN Loans
Options that may help certain borrowers qualify using an ITIN instead of a Social Security number, depending on program guidelines and documentation requirements.
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Foreign National Loans
Financing options that may be available for non-U.S. citizens, depending on documentation, residency status, and eligibility requirements.
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Interest-Only Loans
A loan structure that may allow interest-only payments during a set period before transitioning to principal and interest. This can be useful in specific strategies when planned carefully.
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80/10/10 Piggyback Loans
A structure that uses a first mortgage and second loan to reduce or avoid PMI in some scenarios, depending on guidelines and qualification.
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Murabaha Home Financing
A faith-based structure designed for borrowers seeking a halal homeownership path. Structure and terms differ from a traditional mortgage
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Reverse Mortgage (HECM)
A program for eligible homeowners (typically age 62+), allowing conversion of home equity into funds under program guidelines.
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Self-Employed Home Loans
Mortgage options designed for business owners, freelancers, contractors, and 1099 earners who may not qualify using W-2 income documentation alone. These programs focus on realistic income documentation so you can get a clear path to approval.
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Mortgage Loan Options Directory

Purchase Home Loans

Explore Loan Category

Construction Loans and Renovation Financing

Explore Loan Category

Refinance Home Loan Options

Explore Loan Category

Home Equity Loan and Line of Credit Options

Explore Loan Category

Down Payment Assistance and First-Time Homebuyer Programs

Explore Loan Category

Investor Loans and Second-Home Financing

Explore Loan Category

Specialty Mortgage Loan Programs

Explore Loan Category

FHA Loan Guides and Comparisons

Want to go a level deeper before you apply? Start with these helpful guides. We’ll continue adding new resources to make the process even easier to understand.

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Helpful Mortgage Resources

Mortgage Calculators

Run quick scenarios to understand how price, down payment, and term impact the payment.

First-Time Homebuyer Guide

Get a step-by-step overview to reduce stress and avoid surprises.

Home Loan Readiness Checklist

A Comprehensive Guide to Ensure You Are Fully Prepared for Securing Your Home Loan Approval

Explore All Loan Options

Discover and thoroughly explore all of our diverse loan options available to you.

Mortgage FAQs

Your mortgage questions answered clearly and simply.

Pre-qualification is an early estimate. Pre-approval is stronger and typically involves deeper review so you can shop and make offers with more confidence.

Timelines vary by program and how quickly documents are provided. Many borrowers can get clarity quickly once the application and documentation checklist are complete.

Most borrowers need identification, income documentation, asset statements, and permission to review credit. Self-employed borrowers may use different documentation depending on the program.

Minimums vary by program and borrower profile. The best answer comes from matching your goals to the right loan option and reviewing your credit picture.

Down payment requirements depend on the program, property type, and qualifications. Some options are designed for lower down payments, and assistance may be available for qualified buyers.

USDA eligibility is based on property location and borrower guidelines. Some areas qualify more than buyers expect, so it’s worth checking early.

A bank statement loan can be a fit for self-employed borrowers whose income is not best represented by traditional documents, depending on program guidelines.

Physician loans are designed for eligible medical professionals and may reduce friction for certain high-earning borrowers early in their careers, depending on program terms.

A DSCR loan is often used for investment properties and may emphasize property cash flow in the qualification approach, depending on program structure and eligibility.

A HELOC may offer flexible access to funds over time, while a closed-end second is typically a lump-sum option with a defined repayment structure. The best fit depends on your goals and timeline.

Service Area and Licensing

Office: 6900 Houston Road Unit 25, Florence, KY 41042
Phone: (859) 466-7230

Brad Hamblen (NMLS #52831) is licensed as a Mortgage Loan Originator in:

Florida, Georgia, Indiana, Kentucky, North Carolina, Ohio, South Carolina, Tennessee, Texas, Virginia

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