Sarah your Lender
Your Local Mortgage Loan Officer
Hey friends! My name is Sarah Hardin and I am Bardstown, Kentucky's hometown lender. I work for JPMortgage Company and am licensed to serve all residents in the state, not just Nelson County. I have found my passion in empowering prospective homebuyers to accomplish their homeownership dreams! I’m known for my care and energy in helping others, as well as my added touch of Southern hospitality. Every day I help clients obtain the best home loans to finance their properties and provide specialized home-buying and refinancing services. I’m experienced, trustworthy and always reachable.
I work with many first-time homebuyers as well as clients that are upsizing or refinancing. My goal is to make the mortgage process as seamless as possible and easy for everyone involved. No matter the question, I’m here to provide answers. This is a very exciting time for you! Thank you for choosing me to get to participate in such an important time in your life!
“The highest compliment is when a customer refers their family and friends to me, that alone lets me know I'm doing things right!"
LOAN PROGRAMS
We are a mortgage company located in Bardstown, Kentucky, also known as, “Most Beautiful Small Town in America” and “Bourbon Capital of the World.” Our goal is to match our customers with the right type of home loan and the lowest interest rate available. We specialize in the following loan programs:
Conventional
-Great options for borrowers with higher credit scores and minimal debt.
-Can finance a primary residence, vacation home, rental property, etc.
-There are options with no PMI (private mortgage insurance).
-Low down payment
FHA
-Insured by the Federal Housing Administration that allows a smaller down payment than a traditional mortgage.
-For low to moderate income borrowers with higher levels of debt.
-Can only finance a primary residence.
-FHA loans typically offer lower interest rates and more flexible debt-to-income ratios.
-Low down payments and no prepayment penalties.
VA
-Designed to offer long-term financing to eligible American veterans or their surviving spouses.
-Guaranteed by the U.S. Department of Veterans Affairs.
-The VA loan program provides veterans with an opportunity to receive a mortgage with no down payment and no prepayment penalty.
USDA
-Also known as Rural Housing, Rural Development, or Section 502 loans.
-Funded by the United States Department of Agriculture, USDA loans provide options for low and -moderate-income households.
-Income limits do apply, and property must be occupied as a primary residence.
-No down payment required.
Refinance
We offer great rates and low closing costs. We specialize in mortgages and only mortgages, which is what allows us to provide this benefit. Rates change frequently, call or text for rates.
MORTGAGE PRE-APPROVAL
Each of my services cater towards getting my clients the best options possible, no matter their financial situation or real estate background. I have extensive knowledge of FHA, VA, Rural Housing, and Conventional mortgage programs. I look for the best program to fit the individual needs of my clients. Contact me today to see what I can do for you.
LOAN COMPARISON
Whether you need help negotiating a mortgage or buying a home, I can manage all your mortgage needs. My services will take the complications out of the process.
Items you may need to provide:
Last two years w2s
Last 30 days paystubs
Last 2 months bank statements
Copy of driver's license and social security card
Are you looking for a mortgage loan officer to get you pre-approved to buy your new home? What are you waiting for? Click the black button below to apply or call now at 502-373-7339.
Sarah your Lender,
Proud Member of Bardstown Nelson Chamber of Commerce.
LET’S TALK
