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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

Address: 60 Cavalier Blvd., Florence, KY, 41042

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.

Buy a Home
Refinance a Home
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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:

  • 01
    Fixed & adjustable rate mortgages
  • 02
    Federal Housing administration loans (FHA)
  • 03
    Veterans affairs loans (VA)
  • 04
    Renovation financing
  • 05
    Jumbo 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

First time homebuyer

First time homebuyer

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Mortgage management

Mortgage management

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Refinancing

Refinancing

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Self-employed

Self-employed

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Veteran

Veteran

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Equity management

Equity management

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Financial planner

Financial planner

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Estate planning attorney

Estate planning attorney

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Realtor

Realtor

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Divorce attorney

Divorce attorney

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Know Your Monthly Mortgage Payment

Mortgage Amount, $
Total Cost Of Mortgage, $
Monthly payment:
P&I
Insurance
Taxes
PMI
HOA

What my clients say...

HB

Helen Bui

5.0

Florence, KY

Jan 12, 2023

She helped me through all the steps of the way! Much appreciated!

KF

Katherine Forja Pulido

5.0

Florence, KY

Jan 4, 2023

Sophy made the whole process easy and enjoyable. She answered every question I had and was always happy to help. I tried with other loan officers before I tried applying with Sophy and they were not half as helpful as she was. So happy I chose her as my mortgage consultant!

SB

Scott Breloff

5.0

Covington, KY

Dec 31, 2022

Sophy was wonderful. We had a long journey to purchasing our new home. We put in several offers and Sophy would always get us estimates right away for each offer. Then a week before closing we had a major situation and Sophy was super calm and patient to help with the solution and we were able to close on time. If we need to buy another house in NKY we will reach out to Sophy!

AB

Andrea Breloff

5.0

Covington, KY

Dec 31, 2022

Sophy was very knowledgeable and willing to troubleshoot any bumps in the road to closing day. She offered great clarity and guidance throughout the process.

JC

Jeremy Collins

5.0

Edgewood, KY

Dec 27, 2022

Sophy was great to work with

R

Rosio Ramirez

5.0

Dec 5, 2022

Sophy and her team always work hard to communicate updates regularly and help us understand the entire process. We feel very satisfied in their attention to detail and their expertise. We felt comfortable asking questions and will definitely be recommending them to our family/friends. It was a pleasure to be able to work with you and your team!

RR

Rosio Ramirez

5.0

Covington, KY

Nov 2, 2022

Sophy and her team always work hard to communicate updates regularly and help us understand the entire process. We feel very satisfied in their attention to detail and their expertise. We felt comfortable asking questions and will definitely be recommending them to our family/friends. It was a pleasure to be able to work with you and your team!

MR

Mary Romer

5.0

Fort Wright, KY

Oct 28, 2022

Sophy was a great support throughout the process. She was available both weekdays and weekends and answered emails/texts promptly. I appreciated her friendly manner and her willingness to explain the details of the mortgage process anytime I needed it. She was great!

SM

Shawn Miller

5.0

Walton, KY

Oct 25, 2022

Sophy was excellent! She was with us every step in the process. Such a pleasant person! We will definitely consider her in any future needs.

MG

Melody Garland

5.0

Covington, KY

Oct 4, 2022

Sophy always stayed in touch and made sure I understood each step of the way.

EH

Eric Hoffer

5.0

Edgewood, KY

Sep 16, 2022

Easy to work with, quick, and great communication

TG

Tania Granado Vargas

5.0

Florence, KY

Sep 6, 2022

Muy satisfecha con su trabajo, excelente comunicación. Gracias por todo sophy

AC

Amber Clark

4.8

Covington, KY

Aug 30, 2022

Sophy was always available to help, and never made me feel bad for not knowing anything being a new home buyer!

DK

Donald Klein

5.0

Florence, KY

Aug 8, 2022

Made the process smooth and easy. Would definitely recommend Sophy for anyone looking to purchase a home. Thanks!

AM

Aaron Mercer

4.8

Covington, KY

Jul 29, 2022

It was a very simple and streamlined experience.

CC

Camille Casson

5.0

Covington, KY

Jul 25, 2022

I liked the professionalism of the team members in all levels of the mortgage process.

LH

Louis Hunt

5.0

Covington, KY

Jul 15, 2022

Sophy was very helpful

BM

Bob Mukeba Kashala

5.0

Florence, KY

Jul 13, 2022

Your service and advice

DJ

Djuan James

5.0

Florence, KY

Jul 4, 2022

Sophy is very knowledgeable and helped me fully understand the mortgage process. I appreciate all her help.

MK

Megan Ketron

5.0

Fort Mitchell, KY

Jul 1, 2022

Sophy and her team where easy and great to work with! I’ll recommend Sophy to family and friends.

President and CEO - Justin Messer

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

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SEARCH ENGINE IS POWERED BY

What is your home worth?

Check current market values for your home and view buyer demand.

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.

  • 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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inside our world

Looking at how we do business at Prosperity Home Loans Mortgage is as simple as a conversation. Are you ready to step inside?

Sophy Kdep

Sophy Kdep

Mortgage Consultant

NMLS: 560609

Learn More