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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.


Chad’s response time, communication, and professionalism were outstanding. The process from pre approval to close was much less stressful than anticipated all because of Chad.

- Charlsey N.

Returning client to Chad, he makes every transaction seamless and worry free.

- Christie C.

We appreciate everything! Thank you!!

- Heather Marie P.

There was clear communication, he explained everything in a way people can understand.

- Silas H.

Chad was absolutely amazing to work with! He was honest all the way during the entire process! If was had any kind of question, big or small, he was right on it! His communication was wonderful! He kept us in the loop with everything and never kept the fine details quiet! With us being 1st time home owners he made this entire experience so smooth for us! We will ALWAYS choose Chad, whether we are refinancing or decide to buy again! Thank you Chad for everything you helped our family with, we can’t be thankful enough for you!

- Dakota L.

Chad was amazing. He did great work very knowledge Answered all the questions we needed and very helpful

- Eric C.

They were very helpful and willing to work with you

- Tina J.

Chad is very professional, he is very responsive to emails, texts and calls. Chad made it a great overall experience to buy my home.

- Alberto A.

Chad was very prompt and professional in all his communication. He went out of his way to help us get what we needed in a timely manner.

- Susanna Hadassah H.

Chad was very responsive to my questions. He responded quickly with a professional tone. I had a lot of questions and he helped me understand everything.

- Jessica A.

Chad was great! Correspondence was quick, considerate and thorough. The whole re-finance process was virtually painless! Would highly recommend Chad and Lauren with Republic State Mortgage.

- Lisa A R.

Our 2nd time with Chad, his response time to any of our concerns was great. Will definitely refer him to all our friends and family. We needed to close quickly and he did an amazing job making it happen.

- Lisa Marie O.

He knows how to get things done and makes it easy for me

- Ricky O.


- Donna R.


- Vicki R.

Chad was very easy to work with, quick and easy communication, extremely helpful to anything we didn’t understand as first time home buyers! We definitely recommend him to anyone in the future interested in applying for a loan!

- Danielle Renee S.

Clarity and promptness of information shared

- Darik B.

You made it so easy for us

- Cori H.

Chad was great, communicated well and in timely manner, was there for any questions and delt with me for about 4years to get me my home. BUT the company it's self needs to rethink their process. YOUR client needs to know they are actually approved before the last process you have now. I already was scheduled for my closing on Friday and on Tuesday the underwriter told me I couldn't get the loan because something they told me in the beginning was fine and that they could do it and then backed out of their word at the...

- Elizabeth A.

Very easy to complete paper work. It was always very quick and easy to get in contact with our loan officer, they always answered calls and responded timely.

- Emily A.
Chad Hays

Chad Hays

I am licensed in: KY-MC71045

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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