Buying a home?Start with preapproval.
Talk with Lee Witte about your budget, loan options, and what you'll need to buy in Northern Kentucky or Greater Cincinnati.
Ready for the paperwork? Open the full mortgage application (opens in a new tab)
Where are you in your home search?
Tell Lee what you're planning and what you'd like help with. Lee will follow up using your preferred contact method.
- 183 client reviews : read Lee's Google reviews.
- 23+ years of mortgage experience, based in Fort Thomas.
- Would rather just talk? (859) 380-5674
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Put a monthly payment around your plans.
Try a home price, down payment, and interest rate. The estimate includes assumptions for taxes, insurance, and mortgage insurance; your actual costs may differ. You don't need to share your email to use it.
Estimate your payment
30 secConventional-loan illustration. Assumes 1.1% annual property tax, $1,400 annual insurance, and 0.5% annual PMI below 20% down. Excludes HOA dues and closing costs; FHA, VA, and USDA costs differ. Not a quote or commitment to lend.
Help for the decision in front of you
Whether you're buying your first home or reviewing an existing mortgage, start with the questions that matter to you.
Buy a home
Start with your budget and timeline. Lee can explain what you'll need for preapproval and help you compare loan options.
Plan your preapproval
Refinance
Considering a new rate, term, or access to equity? Look at the costs and break-even point before deciding whether to refinance.
Explore refinancing
First-time buyer
Get familiar with the documents, loan choices, and questions that come up before you make an offer.
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. Talk with him about your home search, the documents you'll need, and your next step toward preapproval.
“We treat each customer as an individual, not a number.”
- 23+ yrsin the business
- Fort Thomaslocal, since day one
- Loan optionsfrom wholesale lenders
From your first question to closing
You don't have to know which loan to choose before you call. Start with your plans and work through the details with Lee.
STEP 01Talk about your plans
Tell Lee where you're looking, when you'd like to move, and what you're comfortable spending. Ask what you'll need for preapproval.
- STEP 02
Prepare for preapproval
When you're ready to apply, provide the requested documents through the secure application. Lee can walk you through the lender's requirements and available loan options.
STEP 03Work toward closing
Once you're under contract, the lender reviews the property and your application. Your closing timeline depends on underwriting, documentation, and the purchase agreement.
Hear from Lee's clients
A selection of Google reviews from Lee's Business Profile.
Find the loan that fits
Compare the basics, then talk with Lee about your situation. Eligibility, loan terms, and available programs depend on the lender, property, and application.
Conventional
Explore conventional financing and the down payment and mortgage insurance requirements that may apply.
FHA
Learn how FHA financing works, including eligibility, down payment, and mortgage insurance.
VA
Mortgage options for eligible veterans, service members, and surviving spouses.
USDA
Explore financing for eligible rural and suburban properties, subject to income and program requirements.
Jumbo
Financing for loan amounts above conforming limits, with lender-specific qualifying requirements.
Refinance
Compare a new loan's costs, payment, and break-even point with your current mortgage.
HELOC
Learn about a line of credit secured by your home, including payment and rate considerations.
Investment Property
Review financing options and documentation for rental and investment properties.
Self-Employed
Understand income documentation and mortgage options for business owners and independent earners.
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
Take the next step toward your home.
Start a conversation about preapproval, your budget, or a question that's holding up your home search.