Citywide - Brad Hamblen

Citywide - Brad Hamblen Branch Manager
NMLS # 52831
Guaranteed Rate Inc, dba:
Citywide Home Mortgage
NMLS # 2611
EQUAL HOUSING OPPORTUNITY

I have 20 years of experience in mortgage lending, specializing in VA loans. In that time, I have had the opportunity to build a very diverse group of clients ranging from pilots and company owners using jumbo financing to first time home buyers utilizing FHA or USDA financing. My branch and I offer each client options and advice that are tailored to their short and long term goals. THE DEPARTMENT

MAINTAINS A RECOVERY FUND TO MAKE PAYMENTS OF CERTAIN ACTUAL OUT OF POCKET DAMAGES SUSTAINED BY BORROWERS CAUSED BY ACTS OF LICENSED RESIDENTIALMORTGAGE LOAN ORIGINATORS. A WRITTEN APPLICATION FOR REIMBURSEMENT FROM THE RECOVERY FUND MUST BE FILED WITH AND INVESTIGATED BY THE DEPARTMENT PRIOR TO THE PAYMENT OF A CLAIM. FOR MORE INFORMATION ABOUT THE RECOVERY FUND, PLEASE CONSULT THE DEPARTMENT'S WEBSITE AT WWW.SML.TEXAS.GOV

Licensed in FL, IN, KY, OH, TN, TX, VA

Waiting until spring to buy a home? You might be missing out. 🍂4 reasons fall is actually PERFECT for buyers:🏠 Less comp...
08/26/2026

Waiting until spring to buy a home? You might be missing out. 🍂

4 reasons fall is actually PERFECT for buyers:
🏠 Less competition
💰 Motivated sellers
📅 Close before holidays
🍁 Time to plan properly

Ready to explore your options?
(859) 466-7230

The #1 myth stopping people from buying a home? 💥"I need 20% down."TRUTH: Many loan programs let you buy with much less...
08/19/2026

The #1 myth stopping people from buying a home? 💥

"I need 20% down."

TRUTH: Many loan programs let you buy with much less. Some even allow zero down.

Which down payment myth have YOU believed? Comment below and I'll clear it up.

(859) 466-7230

Buying a home in the next 6 months? Boost your credit NOW. 📈5 moves that actually work:✔️ Pay down credit card balances✔...
08/12/2026

Buying a home in the next 6 months? Boost your credit NOW. 📈

5 moves that actually work:
✔️ Pay down credit card balances
✔️ Pay every bill on time
✔️ DON'T close old accounts
✔️ Dispute any report errors
✔️ Avoid new credit applications

Questions? (859) 466-7230

Home sweet homework. 🎒 A new school year starts THIS week for so many NKY & Cincinnati families.If your kids started in ...
08/05/2026

Home sweet homework. 🎒 A new school year starts THIS week for so many NKY & Cincinnati families.

If your kids started in a new home this year — I'd love to see it. Drop a first-day photo in the comments!

From my family to yours,
Brad (859) 466-7230

Want to be unpacked before the first school bell rings? It's time. ⏰Northern Kentucky and Greater Cincinnati schools sta...
07/21/2026

Want to be unpacked before the first school bell rings? It's time. ⏰

Northern Kentucky and Greater Cincinnati schools start in mid-August — and the buyers I see scrambling at the last minute are the ones who underestimated how long the mortgage process actually takes.

Here's the realistic timeline:
✔️ Pre-approval: 1–3 days
✔️ House hunting + accepted offer: varies
✔️ Underwriting: 2–3 weeks
✔️ Closing: 30–45 days from application

If you want keys in hand before your kids walk into a new classroom, late July is your last realistic window to start.

Why work with me:
✔️ FAST approval — usually a few minutes online or one phone call
✔️ LOCAL expert — I know the Florence, KY and Cincinnati market
✔️ STRESS-FREE — I handle the heavy lifting

FHA, VA, USDA, Conventional, Jumbo, and Bank Statement loans all available. Let's get you home before the bell.

Apply now → bradhomeloans.com

📞 (859) 466-7230
📧 [email protected]

Brad Hamblen | Branch Manager | NMLS #52831
Citywide Home Mortgage — Florence, KY

Pre-qualified vs pre-approved — they sound the same, but they're worlds apart. Here's the difference every Northern Kent...
07/14/2026

Pre-qualified vs pre-approved — they sound the same, but they're worlds apart. Here's the difference every Northern Kentucky and Cincinnati buyer should know. 🔑

PRE-QUALIFIED:
✔️ A quick estimate based on info YOU report
✔️ No documents pulled or verified
✔️ Useful for early budgeting only
✔️ Sellers don't take it seriously

PRE-APPROVED:
✔️ Verified income, assets, and credit
✔️ Lender actually pulls your credit
✔️ You get a written commitment letter
✔️ Sellers know your offer is REAL

In a competitive market like Florence, KY and the Cincinnati metro, a pre-approval letter can be the difference between getting your offer accepted or watching another buyer move into your dream home.

If you're starting to house hunt this summer, do yourself a favor and get pre-approved BEFORE you walk into the first showing. I make the process fast — usually one quick call or a few minutes online.

📞 (859) 466-7230
📧 [email protected]
🌐 bradhomeloans.com

Brad Hamblen | Branch Manager | NMLS #52831
Citywide Home Mortgage — Florence, KY

Applying for a mortgage in Northern Kentucky or Greater Cincinnati? Save this post — it'll save you stress later. 📋One o...
07/08/2026

Applying for a mortgage in Northern Kentucky or Greater Cincinnati? Save this post — it'll save you stress later. 📋

One of the biggest reasons buyers feel overwhelmed is the paperwork. The good news? It's actually pretty straightforward once you know what to gather. Here's everything you'll need to apply:

✔️ Photo ID — driver's license or passport
✔️ Pay stubs — most recent 30 days
✔️ W-2s & tax returns — last two years
✔️ Bank statements — last two months, all accounts
✔️ Proof of other income — bonuses, side income, alimony
✔️ Asset statements — retirement and investment accounts

💡 Self-employed? You'll also need profit & loss statements and possibly 1099s.

The buyers who close fast and stress-free are the ones who get their documents together BEFORE they apply. Want help walking through what applies to your situation? I'm one call or one click away.

📞 (859) 466-7230
📧 [email protected]
🌐 bradhomeloans.com

Brad Hamblen | Branch Manager | NMLS #52831
Citywide Home Mortgage — Florence, KY

🇺🇸 Happy Independence Day! 🇺🇸For 250 years, America has been built on freedom, opportunity, and the dream of homeownersh...
07/04/2026

🇺🇸 Happy Independence Day! 🇺🇸

For 250 years, America has been built on freedom, opportunity, and the dream of homeownership.

We're honored to help families achieve that dream every day.

Wishing you and your loved ones a safe, joyful, and memorable Fourth of July as we celebrate this historic milestone together.

❤️🤍💙 Happy Independence Day!

Want to be in your new home before the kids start school? Start now. 🔑Pre-approval → offer → closing takes 30–45 days. L...
06/24/2026

Want to be in your new home before the kids start school? Start now. 🔑

Pre-approval → offer → closing takes 30–45 days. Late June is the sweet spot to start for a summer move in Florence, NKY, or Cincinnati.

Apply in 5 minutes: bradhomeloans.com
Or call (859) 466-7230

Happy Father's Day to every dad building a home — not just a house — for his family. ❤️To the dads in Florence, NKY, and...
06/21/2026

Happy Father's Day to every dad building a home — not just a house — for his family. ❤️

To the dads in Florence, NKY, and Cincinnati working hard, showing up, and making it happen: today is for you.

From my family to yours — Brad

(859) 466-7230

Address

6900 Houston Road Ste 25
Florence, KY
41042

Opening Hours

Monday 8am - 5pm
Tuesday 8am - 5pm
Wednesday 8am - 5pm
Thursday 8am - 5pm
Friday 8am - 5pm

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