Call a Mortgage Professional Today1.866.758.3970

Get a quote in seconds!

Tell us the type of loan you want.

Type of loan?
 

What do you have in mind?

Tell us the type and value of the property.

Type of Property?
Property Value?

Give us an estimate.

Let us know the amount and then give us a ballpark credit estimate.

Loan Amount?
Credit Score Estimate?

Almost there!

We just need a little contact information.

First and Last Name
Phone Number
Email Address

That's it. Thank you for filling out the form.

A mortgage professional will be contacting you shortly to discuss your personalized rate quote.

  • Online Pre-Qualification
  • Online Good Faith Estimate
  • Online Rate Lock
  • Apply 24 hours a day

All of this in 30 minutes or less with the service you expect from Republic Bank!

Republic's standard closing costs that are included in the zero closing costs promotion are: Processing Fee, Appraisal Fee and related Appraisal Fees, such as Inspection Fees and Field Reviews, Credit Report Fee, Flood Determination Fee, Settlement/Closing Fee and Title Examination Fee. Standard closing costs do not include Title Insurance Fees, Government Recording Fees and/or Deed/Mortgage Related tax stamps, conveyance tax, transfer tax, documentary tax stamps, or any other fees not specifically identified as standard closing costs listed above.

The closing cost credit under the zero closing costs promotion is based on using Republic Bank's service providers. If another service provider(s) is selected, then any additional fees or charges in excess of the fees or charges of Republic Bank's service providers will not be included in the closing cost credit.

Knowledge Hub

Loan Programs, Rates & Fees

How are interest rates determined?
Should I pay loan discount fee in exchange for a lower interest rate?
Is comparing APR's the best way to decide which lender has the lowest rates and fees?
How do I know if it's best to lock in my interest rate or to let it float?
How much money will I save by choosing a 15-year loan rather than a 30-year loan?
Is there a fee charged or any other obligation if I complete the on-line application?
When can I lock in my interest rate and points?
What is your Rate Lock Policy?
Tell me more about closing fees and how they are determined.
What is the Promotional Credit and when will I receive it?
What is title insurance and why do I need it?
What is mortgage insurance and when is it required?
What is the maximum percentage of my home's value that I can borrow?



How are interest rates determined?

Interest rates fluctuate based on a variety of factors, including inflation, the pace of economic growth, and Federal Reserve policy. Over time, inflation has the largest influence on the level of interest rates. A modest rate of inflation will almost always lead to low interest rates, while concerns about rising inflation normally cause interest rates to increase. Our nation's central bank, the Federal Reserve, implements policies designed to keep inflation and interest rates relatively low and stable.

Should I pay loan discount fee in exchange for a lower interest rate?

Loan discount fees are considered a form of interest. Each point is equal to one percent of the loan amount. You pay them, up front, at your loan closing in exchange for a lower interest rate over the life of your loan. This means more money will be required at closing, however, you will have lower monthly payments over the term of your loan.

To determine whether it makes sense for you to pay a loan discount fee, you should compare the cost of the loan discount fee to the monthly payment savings created by the lower interest rate. Divide the total cost of the loan discount fee by the savings in each monthly payment. This calculation provides the number of payments you'll make before you actually begin to save money by paying a loan discount fee. If the number of months it will take to recoup the loan discount fee is longer than you plan on having this mortgage, you should consider the loan program option that doesn't require a loan discount fee to be paid.

Use the "Does it make sense to pay points to get a lower interest rate?" calculator in our Resource Center for help with this calculation.

Read More

Loan Example as of 3/25/14: $100,000 loan amount; 30-year fixed rate; 4.588% Annual Percentage Rate; 360 payments of $506.69; 80% loan-to-value. $0 closing costs include standard loan closing costs, title insurance not included. $0 closing costs offer available for all applications submitted through www.republicbank.com only. Example does not include monthly taxes and insurance and your actual payment may be greater. Offer not available in conjunction with other promotional discount offers. Offer and rates subject to change. Loan subject to underwriting and approval. Additional restrictions apply. Republic Bank & Trust Company Loan Originator ID #402606. Republic Bank Loan Originator ID #401399.

As of 3/25/14, $100,000 seven-year Adjustable Rate Mortgage (ARM) loan, 4.298% Annual Percentage Rate (APR) with 84 payments of $521.65. After 84 Payments, loan rate adjusts yearly based on changes to the Prime Rate as published in the Wall Street Journal plus 0.50%. As of 3/25/14 Prime Rate is 3.25%, therefore loan payment would adjust to 276 payments of $473.58. Loan example does not include monthly taxes and insurance so your actual payment may be greater. Offer available for owner-occupied properties, purchases only and subject to underwriting and approval. Maximum loan amount $417,000. Please contact one of our banking officers for information on higher loan amounts. Certain restrictions apply. Republic Bank & Trust Company Loan Originator ID #402606. Republic Bank Loan Originator ID #401399.

601 West Market Street | Louisville, KY 40202