More Choice in
Mortgage Solutions

Our mortgage loan originators help you find the right mortgage for your unique needs. Contact us to learn more about our programs!

Unlock your dream
home today.

Say goodbye to the uncertainty of contingent offers, and buy before you sell.

Guaranteed close checkmark icon with text

$2,000 cash guarantee for
on time close.

Our pre-approvals are fully underwritten, so you can be confident we will close on time.

Refinance at little to no cost, on your timeline.

Ask us about our competitive refinancing options so we can find the best solution for you.

Get Started

Symbol of a house with equal housing opportunity text, promoting fair housing practices and diversity in housing options

NMLS #6666

Benchmark Mortgage

Brad Hacker

Senior Mortgage Planner

NMLS# 22435

1084 E New Circle Rd #200 Lexington, KY 40505 (859) 977-5239 (859) 351-6495 bradley.hacker@benchmark.us

About Me

Brad Hacker serves as a Senior Mortgage Planner at Benchmark Mortgage, situated in Lexington, KY. With over two decades of experience in the mortgage industry, Brad holds the prestigious designation of Certified Mortgage Planner from The Duncan Group, a renowned mortgage industry training organization. Consistently ranking in the Top 1% of Mortgage Originators according to Mortgage Executive Magazine for the past four years, Brad’s dedication lies in helping individuals realize their dream of homeownership and guiding them towards financial independence.

GET STARTED

Step One:

Get Pre-Approval

Before you start looking for a home to buy, it’s wise and proactive to meet with a lender to get pre-approved for a loan amount. Offers accompanied by a pre-approval letter are stronger and will stand out, especially when the seller is receiving multiple offers.

To gain pre-approval, your preferred lender will gather information about income, assets, and debts to help determine how much you can borrow. This includes gathering a credit report, W-2 forms, pay stubs, federal tax returns, and recent bank statements.

There are a variety of home loan programs offering different advantages depending on your unique needs and preferences. Your preferred lender can go over the specifics of each to ensure you find a loan option that best aligns with your needs.

Loan Preapproval graphic with price and term

Estimate Your Monthly Payment

Estimate your mortgage payment, including the principal and interest, taxes, insurance, HOA, and Private Mortgage Insurance.

Price

Annual Tax

Loan Term (Years)

Down Payment %

Interest Rate %

Monthly HOA

Monthly Insurance

Reset

$3,198.20

Estimated Monthly Payment

Principal

$2,398.20

(75.0%)

Taxes

$500.00

(15.6%)

Private Mortgage Insurance (PMI)

$0.00

(0.0%)

HOA

$100.00

(3.1%)

Insurance

$200.00

(6.3%)

Step Two:

Find the best loan

Collaborating with a top-notch local loan officer will ensure you have access to competitive rates and programs that best fit your individual needs. Take the first step by completing this form to get connected today!

First Name

Last Name

Email Address

Phone Number

Your Message

Step Three:

Application and processing

When you find the perfect property and your offer is accepted, your lender will help you complete a full mortgage loan application, discuss down payment options, and explain any related fees.

Then, your application is submitted for processing where the documents are reviewed. Your lender will also order a home appraisal and a property title search.

The next part of the application process involves sending everything to an underwriter who will review and approve the entire loan package to make sure it meets all compliance regulations.

It is not unusual to receive requests for additional documentation or clarification during this phase of the application process.

Step Four:

Signing and finalizing the deal

Once your loan is approved, you’ll need to set up homeowners insurance.

Your documents will be sent to the title company and the closing will be scheduled for you to sign the necessary paperwork and pay any additional costs to complete the purchase of your new home.

After the loan goes through the required recording process, the purchase is complete, and you officially own your new home!

Powered by Brivity
Admin Log In

Are you buying or selling a home?

Buying

Selling

Both

When are you planning on buying a new home?

1-3 Mo

3-6 Mo

6+ Mo

Are you pre-approved for a mortgage?

Yes

Using Cash

Would you like to schedule a consultation now?

Yes

When would you like us to call?

Thanks! We’ll give you a call as soon as possible.

When are you planning on selling your home?