Hi! I'm Sophy...
Your Mortgage Consultant!
Committed to giving you all the support and guidance you need to find the right mortgage options for you and your family.
Sophy Kdep (NMLS# 560609) has over 15 years of experience in the mortgage industry. She is committed to providing exceptional and friendly service from application to closing whether you are a first-time homebuyer purchasing a new home, looking to downsize, or refinancing your current home. Sophy works towards exceeding expectations by working closely with her customers as well as agent partners to create an extraordinary customer experience during the home buying process.
Sophy has been a resident of Boone County for over 22 years with her husband and dance partner, Jason. They have two girls, 9 and 11 years old, who are into karate, gymnastic and K-Pop. They all love to dance, travel and any outdoors.
Home financing tailored to meet your needs
We have a full suite of mortgage programs to meet your needs and give you a competitive edge:
01Fixed & adjustable rate mortgages
02Federal Housing administration loans (FHA)
03Veterans affairs loans (VA)
Where can we help you thrive?
Are you looking to buy your first home? Need help managing your mortgage payment?
Trying to figure out how to afford that renovation? Whatever you situation is, we've got the answers.
Select a module
First time homebuyerLearn more
Mortgage managementLearn more
Equity managementLearn more
Financial plannerLearn more
Estate planning attorneyLearn more
Divorce attorneyLearn more
Know Your Monthly Mortgage Payment
What my clients say...
Jan 12, 2023
Katherine Forja Pulido
Jan 4, 2023
Dec 31, 2022
Dec 31, 2022
Dec 27, 2022
Dec 5, 2022
Nov 2, 2022
Fort Wright, KY
Oct 28, 2022
Oct 25, 2022
Oct 4, 2022
Sep 16, 2022
Tania Granado Vargas
Sep 6, 2022
Aug 30, 2022
Aug 8, 2022
Jul 29, 2022
Jul 25, 2022
Jul 15, 2022
Bob Mukeba Kashala
Jul 13, 2022
Jul 4, 2022
Fort Mitchell, KY
Jul 1, 2022
President and CEO
"Our mission is to provide financing solutions that positively impact lives and make a difference in the communities where we lend."
4.96 of 5.00
Our average client rating. YTD 12/2021 on experience.com
Explore the local area. Find restaurants, delivery, movers, and more...
Cathay Kitchen Chinese Restaurant
This is my go to place if I want Asian food. It's consistently excellent. I've only had one bad experience there. This was long ago, during the middle of...Read more on Yelp+1 (859) 282-0770
8049 Connector Dr, Florence, KY 41042
Quality and consistency. Friendly group a individuals who work here very prompt and tasteful service.Read more on Yelp+1 (859) 282-1888
7710 US 42, Florence, KY 41042
Wow were we surprised by how awesome this restaurant was! We met my aunt and grandpa here for a post-church Sunday Brunch per my aunt's recommendation. I...Read more on Yelp+1 (859) 334-9450
9003 US Hwy 42, Union, KY 41091
Tousey House Restaurant
We chose here for lunch after picking our son up at the airport. I chose it because I love eating in old historical houses with character. My husband was...Read more on Yelp+1 (859) 586-9900
5963 N Jefferson St, Burlington, KY 41005
We stopped in the Florence Mall y'all when we were in the town visiting last week. I'm a big fan of exploring smaller cities as well of larger cities but...Read more on Yelp+1 (859) 371-1231
2028 Florence Mall, Ste 1039, Florence, KY 41042
Crestview Hills Town Center
I love Crestview! A short drive, it has a Chicos, Dillards, DSW, and so much more. It looks fairly new, and they're still adding stores. One of the latest...Read more on Yelp+1 (859) 341-4353
2791 Town Center Blvd, Crestview Hills, KY 41017
Bargain City USA
Living up to its name, this liquidation store has department store returns, scratch-and-dent, overstock, clearance items at considerably discounted prices....Read more on Yelp
7820 Connector Dr, Florence, KY 41042
Full Throttle Adrenaline Park
Had a great time racing, and throwing axes! The go kart crew was great and Eesha was especially helpful and fun as our axe throwing coach! We had a great...Read more on Yelp+1 (859) 371-5278
24 Spiral Dr, Florence, KY 41042
Pickled Brothers Circus
I saw these guys at Cirque du Yelp and they were amazing! Definitely the most entertaining act of the night. The older brother was very personable and...Read more on Yelp+1 (859) 916-5401
Florence, KY 41022
I'm here to answer all
your mortgage questions
Do I need to save for a 20% down payment?
No! With FHA loans you can get approved for as little as 3.5% down, VA and USDA loans can offer you $0-down options, and with Private Mortgage Insurance (PMI) you can get into your new home with less than a 20% down payment. Whatever your situation, you have options.
Are Pre-Qualification and Pre-Approval the same thing?
No. Pre-qualification and pre-approval are two different things. Pre-qualification means that a mortgage lender has reviewed your financial records and believes you will qualify for a loan. A pre-approval is a conditional committment from a lender that they will lend you the money for a mortgage.
What's the difference between an adjustable and a fixed rate mortgage?
A fixed rate mortgage means that the interest rate is set when you take out the loan and will not change. With an adjustable rate mortgage, the interest rate may go up or down after a certain amount of time. Many adjustable rate mortgages will start at a lower interest rate than fixed rate mortgages.
What is Private Mortgage Insurance (PMI)?
Private Mortgage Insurance (PMI) is a type of insurance you may be required to pay if you are taking out a conventional mortgage with a downpayment that is less than 20% of the home's overall value. If you refinance your home with a conventional loan and your equity is less than 20% of the home's value, you may also be required to pay PMI. Private Mortgage Insurance protects the lender in the event that you stop making payments on your loan.
Can I access my home equity before I finish paying off my loan?
Yes! Your mortgage advisor can help you find the right refinance and reverse mortgage options to help you access your home equity before you've finished paying off your loan. This can help with covering the cost of remodels, college tuition, long-term care plans, and more! Talk to your mortgage advisor to find out how you can access your home equity to cover any of your life's needs.
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Prosperity Home Mortgage Now Operating in South Dakota
Mike Miller Joins Prosperity Home Mortgage as Indiana Regional Manager
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Freddie Mac BorrowSmart Program
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Prosperity Home Mortgage Now Operating in the Greater Palm Springs...
Prosperity Home Mortgage Now Operating in St. Louis
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