Top 3 Mortgage Lenders in Shelby Gap

Citizens National Bank stands as one of Eastern Kentucky's most trusted mortgage lenders with deep roots in the Pikeville area, serving Shelby Gap and surrounding communities for decades. As a community-focused bank, they offer personalized service and local underwriting decisions, which is particularly valuable for rural properties. Their mortgage team has extensive experience with various loan types including USDA loans that are well-suited for the Shelby Gap area. Customers consistently praise their responsive communication, competitive rates, and thorough guidance through the entire mortgage process.

Community Trust Bank has been serving Eastern Kentucky communities for over a century, making them exceptionally familiar with the unique aspects of financing properties in rural areas like Shelby Gap. Their mortgage division offers comprehensive lending services with particular expertise in USDA rural development loans and FHA financing. The bank is renowned for its community involvement and personalized customer service, with loan officers who understand the local real estate market. Their competitive rates and flexible underwriting approach make them a top choice for homebuyers in the region.

Guild Mortgage's Prestonsburg branch serves the Shelby Gap area with specialized expertise in mountain and rural property financing. As a dedicated mortgage company rather than a full-service bank, they focus exclusively on home lending, allowing for streamlined processes and specialized knowledge. Their loan officers have particular experience with properties in challenging terrain and rural appraisal considerations. Guild offers a wide range of loan products and is especially noted for their excellent customer service throughout the loan process, from application to closing. Their national backing combined with local presence provides the best of both worlds for Shelby Gap homebuyers.