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
Mortgage Consultant
NMLS: 560609
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:
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01Fixed & adjustable rate mortgages
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02Federal Housing administration loans (FHA)
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03Veterans affairs loans (VA)
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04Renovation financing
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05Jumbo loans
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
Know Your Monthly Mortgage Payment
Justin Messer
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...
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Cathay Kitchen Chinese Restaurant
102 reviews
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) 282-07708049 Connector Dr, Florence, KY 41042
Mai Thai
360 reviews
Quality and consistency. Friendly group a individuals who work here very prompt and tasteful service.
Read more on Yelp+1 (859) 282-18887710 US 42, Florence, KY 41042
3 Ladies Thai Cuisine
128 reviews
Excellent food. Not excellent ambience. A group of us went to dinner here when we were traveling for a conference. It was in walking distance to our hotel,...
Read more on Yelp+1 (859) 534-27191035 Vandercar Way, Ste 800, Florence, KY 41042
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Kitchen 1883
207 reviews
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) 334-94509003 US Hwy 42, Union, KY 41091
Tousey House Restaurant
253 reviews
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) 586-99005963 N Jefferson St, Burlington, KY 41005
La Torta Loca
243 reviews
The expansion!! This place WAS a hidden gem. but after being in chow down cincinnati facebook group. this place has blown up since! The food is sooo good...
Read more on Yelp+1 (859) 371-21007101 Dixie Hwy, Florence, KY 41042
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Florence Mall
60 reviews
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) 371-12312028 Florence Mall, Ste 1039, Florence, KY 41042
Crestview Hills Town Center
27 reviews
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) 341-43532791 Town Center Blvd, Crestview Hills, KY 41017
Bargain City USA
1 reviews
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 Yelp7820 Connector Dr, Florence, KY 41042
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Full Throttle Adrenaline Park
19 reviews
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) 371-527824 Spiral Dr, Florence, KY 41042
Pickled Brothers Circus
3 reviews
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) 916-5401Florence, KY 41022
Dave & Buster's
68 reviews
Highly impressed with the consistency between locations. My fiancé and I ordered the same meals we order when in Louisville and they tasted the same. My...
Read more on Yelp+1 (859) 692-9800781 Heights Blvd, Florence, KY 41042
I'm here to answer all
your mortgage questions
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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.
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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.
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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.
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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.
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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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What do I do if I can't afford my mortgage payment anymore?
The first thing you should do in the event that you can't afford your mortgage payements anymore is reach out to your lender. An experienced mortgage advisor can help you find options, such as refinancing or restructuring your loan, to help you keep up with your payments. Always reach out to your lender to ensure that you can keep up with your payments and stay in your home.
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Sophy Kdep
Mortgage Consultant
NMLS: 560609