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The guidance of a trustworthy and experienced mortgage professional can simplify any home financing experience. Republic State Mortgage Co has a wealth of knowledge and resources to assist you in finding the best loan to meet your individual home buying needs. We pride ourselves in providing excellent customer service and establishing long lasting customer relationships.

As an experienced lender, Chad Hays is available to guide you through the home financing process. Whether you are purchasing your first home, an investment home, refinancing or just need mortgage advice, Chad Hays can help.


Everything was simple. No hassles or back an forth. Work with the payment I needed an made it happen. It was more simple buying this home than it was buying my truck.

- Michael Claude H.

Available any time , any day, and even nights and weekends. Chad knows the industry and works quickly and efficiently. We will use him for all of our mortgage loans in the future. And I will recommend him to any client who has a need. Best in the business in our opinion.

- Shanda Marie S.

Working with Chad was a wonderful experience. He was very commutative and answered all our questions.

- Carrie M C.

Nice, friendly staff who treat you like family.

- Lora Renae N.

Chad was very helpful and quick to respond.

- Devin LaVon S.

Chad made the entire process flow very smoothly.

- Stacy Lynn C.

Great service

- Hope Marie D.

Response time is unmatchable. I’ve used Chad for two mortgages. He’s the best of the best in my opinion!

- Hope D.

Good communication. They always answered my questions and they helped me through this process.

- Kathryn S.

Great experience.

- Eric Daniel V.

I contacted Chad in June of 2021 to see about buying a house and he explained to me how to get my credit score up and then when it came time to buy a house he walked me through the whole process and answered any question I had

- Staci Webb J.

This was a very smooth and quick process. Chad is very professional and knowledgable. He was very calm and polite through the entire process. His realtor referral was great as well.

- Jason Jeremy A.

Chad makes every experience great! He is extremely knowledgeable, fast, efficient, and ensures the process moves along as smoothly as possible. We have worked with him several times over the past 6 years and feel he is the best! We would not trust our mortgage needs with anyone else!

- Carmen Renee B.

Chad was always helpful with questions and quickly respondend. The whole process for purchasing a home went very smoothly and was completed from the first contact to closing date in one month.

- Carol Ann L.

Always super fast to answer questions. Was very clear about what the next step was. I was a little unorganized when it came to paperwork, and he really guided me on what exactly I needed and his office was able to piecemeal my multiple pdf's together to get things organized and correct.

- Bradley C.

Very helpful and friendly.

- Dennis J S.

Chad was there to answer any questions day or night.

- Melissa Deann H.

Mr. Hays was great to work with. He always responded quickly and made the entire process easy.

- Joshua W G.

Chad was great his communication was great with everything. I really liked how fast he got things done for us. We have done reffered him to some of are friends and told them just how good he is at his job.

- Kayla Ann S.

Chad was on it. The process went very smooth from start to finish

- Shaun Michael S.
Chad Hays

Chad Hays

Loan Officer
NMLS ID #: 148936

Direct: 502.744.9890
Office: 502.487.4260
Fax: 502.487.4261

Apply Online

Contact Chad Hays

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