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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 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.

Fast communication, Flexible and easy to work with.

- Hugh A.

Quick knowledgeable responses even on weekends. Did not feel like I was being cheated or mislead in anyway.

- Aldrich S.

Chad was very helpful and attentive. It really helped us understand everything we were doing.

- Samantha J.

friendly people they were a great help and I would like to have them again if I decide to buy again

- Sheila Kaye O.

Chad made the entire process so easy

- Jeremy Scott R.

Chad and his team helped me in every way possible. He walked me through everything since I was a first time home buyer, and always answered the phone & my emails in a timely mannered. Chad & his team are amazing!

- Alissa V.

Chad was very easy to communicate with. He went above and beyond through the entire process. We will definitely be returning to him with any Mortgage needs.

- Paula W.
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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