Cadiz KY Mortgage Lender & Home Loans

FHA, VA, USDA & Conventional Loans in Cadiz, Kentucky

NMLS #160815

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Client Testimonials

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Welcome To Quality Home Mortgage

I'm Hiler Choate, owner and loan officer at Quality Home Mortgage, a local mortgage lender based in Cadiz, Kentucky. For over 22 years, I've helped families across Trigg County and Western Kentucky secure home loans that actually fit their situation, FHA loans, VA loans, USDA loans, conventional loans, refinancing, construction and renovation loans, and down payment assistance. As an independent mortgage broker, I work directly with clients from application through closing, not through a call center. Licensed under NMLS #160815, I'm committed to clear, honest guidance for first-time buyers, veterans, and anyone navigating home financing in Kentucky.

Hiler Choate

Mortgage Broker

NMLS 55801

Cell Phone

 (270)339-5805


Lisa Butts

Mortgage Originator

NMLS 2747067

Cell Phone

(270)350-0644


WHY CHOOSE US?

  • Local, Independent Service

    I'm not a call center or a national bank branch, I'm based right here in Cadiz, and every client works directly with me from application to closing. That means you get someone who actually knows Trigg County and the surrounding area, not a loan file passed between departments.

  • Full Loan Program Range

    I offer FHA, VA, USDA, and conventional purchase loans, along with renovation, construction, refinance, and down payment assistance options, so I can match you to the right program instead of pushing a one-size-fits-all product. Most local lenders in this area don't carry this full lineup under one roof.

  • Licensed and Transparent

    I operate as Devor Mortgage Investment Corporation, doing business as Quality Home Mortgage, under NMLS #160815, my licensing is public record and easy to verify, not something I ask you to take on faith. You'll always know exactly who you're working with and what's backing the loan.

  • Hands-On Support Through Closing

    I stay personally involved through underwriting, so questions get answered by me, not a rotating support queue. That one-on-one approach is what's kept my reviews at a perfect rating, even while I'm still building up review volume.

Find the Right Mortgage for Your Future in Cadiz, Kentucky

Your mortgage should fit your life, not the other way around. At Quality Home Mortgage, we have spent more than 22 years helping families across Cadiz, Kentucky, Trigg County, and Western Kentucky secure home loans that genuinely work for them. Led by owner and loan officer Hiler Choate, licensed under NMLS #160815, we operate as an independent broker, so our loyalty stays with you, not a single bank. We arrange FHA, VA, USDA, and conventional loans, plus refinancing, renovation and construction loans, first time buyer programs, down payment assistance, and investment property financing, all explained in plain, honest language.

Our Services

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FHA Loans

FHA loans open the door for buyers with modest savings or imperfect credit. With down payments starting at 3.5 percent, we guide you through every requirement from application to closing.

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VA Loans

Veterans and active duty service members have earned real benefits. Zero down payment, no private mortgage insurance, and competitive rates. We handle the paperwork so you can buy with confidence.

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A Mortgage Partner Western Kentucky Can Count On

Your home loan deserves more than a call center and a case number. For over 22 years, homebuyers throughout Cadiz, Kentucky, and Western Kentucky have trusted us with one of the biggest financial decisions of their lives. At Quality Home Mortgage, you work directly with Hiler Choate from the first conversation through closing day, with honest answers and clear numbers at every step. Reach out to our team today and experience what a genuinely local mortgage lender can do.

Call Today For An Estimate

270-522-0700

Frequently Asked Questions

  • What types of home loans does Quality Home Mortgage offer?

    We arrange FHA, VA, USDA, and conventional loans plus refinancing, renovation loans, construction loans, first time buyer programs, down payment assistance, and investment property financing tailored to your goals and budget.

  • Do you offer zero down payment options?

    Yes. VA loans for eligible veterans and USDA loans for qualifying rural properties both allow zero down payment. We review your eligibility during your first conversation so you know quickly.

  • Who will I work with during my loan process?

    You work directly with Hiler Choate, owner and loan officer, from your first call through closing. There is no call center, no handoffs, and one person managing your entire file.

  • What credit score do I need for an FHA loan?

    FHA guidelines allow scores as low as 580 with a 3.5 percent down payment. We review your full credit picture rather than judging a single number and suggest practical improvements.

Client Testimonials