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Find a Mortgage Lender

Your Mortgage Loan Specialists

Ready to buy a home? First meet with a CVNB Mortgage Loan Specialist, who will recommend getting pre-approved. This includes looking at your income, assets, current debts and debt-to-income ratio (DTI), your down payment and running a credit check. You may be asked to provide documentation such as proof of income and W2s. They’ll issue you a home loan approval letter, which outlines your loan pre-approval amount and terms. It assures real estate brokers and sellers that you’re a qualified buyer.

Madison County & Surrounding Areas Laurel County & Surrounding Areas Whitley County & Surrounding Areas

Wayne Short
Mortgage Loan Specialist
NMLS# 1723546

Wayne Short profile picture

2110 Lexington Road
Richmond, KY 40475

Office: 859.624.6589
Cell: 859.625.8429
Fax: 606.862.1107


Sandy Harris
SVP, Mortgage Banking Manager
NMLS# 421463

100 S Main Street
London, KY 40741

Office: 606.862.7366
Cell: 606.682.9224
Fax: 606.862.1107


Randy Bargo
AVP, Mortgage Loan Specialist
NMLS# 421457

Randy Bargo profile picture

1376 Master Street
Corbin, KY 40701

Office: 606.258.2415
Cell: 606.524.3857
Fax: 606.528.5295

Open a Home Equity Line of Credit

Big expenses on the horizon? Your home’s equity can make them happen. A CVNB home equity line of credit may be your solution.

What is a HELOC?

A home equity line of credit, or HELOC, is a 10-year line of credit that allows you to borrow the funds, whenever you want. After the draw period, the HELOC goes into repayment and you’ll pay the balance over a set period of time.

What can I do with HELOC?

You can use the equity in your home to find money quickly for major purchases or expenses. Some expenses a HELOC can be used for include:

  • Home remodel or improvements, such as a new pool
  • Pay for college tuition or vacation
  • Start up a business
  • Debt consolidation

Find out your equity and apply

The first step in getting approved for a HELOC is knowing how much equity you have in your home. A mortgage specialist will request an appraisal to determine your home’s value, then factor in your outstanding mortgage balance to determine the equity. As with any other loan application, they may request a credit report and documentation such as proof of income to assess loan-to-value.

There’s no application fee for a HELOC. Closing costs are discounted and often there are none. 

Apply for a HELOC online today! After you complete the online application, a CVNB loan specialist will contact you to discuss how a HELOC will work for your financial needs.