Ron Layman

Residential Mortgage Loan Originator
NMLS No. 60923

Office: 270.971.1725
Mobile: 859.333.3631
Fax: 270.971.1726

Since 2001, I have worked with families to secure financing for their homes. Whether purchasing or refinancing, I have the experience to find the best option for your needs. Your happiness is my top priority and I will go out of my way to make sure everyone involved receives constant communication about our progress. I'm well versed in all home loan products including FHA, VA, USDA Rural Housing, Kentucky Housing and all types of conventional loans.

I am originally from Leitchfield, KY and happy to be back to serve the community I grew up in. I graduated from the University of Kentucky with a bachelor's degree in Business Management and was a member of the UK Golf team from 1996 to 2000.


I wanted to let you know of how impressed I was with Republic State Mortgage loan officer Ron Layman, as we closed on a deal on December 20, 2013 in remarkable time and fashion.  While this is highly unusual, Ron had a green light to close our deal in only 13 days from time of our accepted contract. My buyers were ecstatic to the point of tears. With the seller’s agreement we were able to close the deal 10 days ahead of schedule and just in time for their first Christmas in their new house. Sensing the needs of the buyers, Ron had no problem meeting them on a Saturday afternoon to work out the many details of their loan and even took time to correspond while out of town as his father (unbeknownst to me) underwent emergency surgery. He rarely missed a call or text over those few weeks and when I or my buyers did leave a message, he returned it immediately. Ron was faithful to us, experienced, entirely thorough and bottom line, a good guy to deal with. He didn’t miss a thing... all the way to the closing table.  

-Thomas P. Finsand, Keller Williams Bluegrass Realty

We worked with Ron throughout the entire home buying process and couldn't have been more pleased.  He was extremely organized, easy to contact and was able to answer all questions that we had along the way.  He went above and beyond in many ways to ensure all details were taken care of on both the buying and selling end.  We always knew that he would give us an up front/honest answer.  Thank you for working with us!


Ron Layman is incredibly easy to work with and I would definitely recommend him.  He is straigh-forward about the process of obtaining a mortgage, is knowledgeable about the industry and is always responsive to questions or issues during the process of obtaining a mortgage.  He kept us informed about different mortgage scenarios and I always felt like he was working to make sure we got the best deal.


I have worked with Ron and the staff at Republic State Mortgage for years. The service he has provided to my clients is unmatched by any other and I can refer Ron and his office to my buyers having 100% confidence they will be happy and educated with the mortgage process from start to finish. As a realtor, I couldn't ask for a more dedicated and hardworking professional. Ron is a believer in communication which is an absolute must in this industry. I contribute part of my continued success with my clients to his commitment to consistently provide the best of the best!

-MR, Realtor

I have worked with Republic State Mortgage as a client and also as a business partner and I have always had a great experience. Ron Layman is THE BEST loan officer I have ever worked with. He's always available to answer my questions, he keeps me in the loop on what is going on with my loan or my client's loans, and he is so organized and on top of everything. It's a smooth process for everyone involved when Ron is working on the loan! I would recommend Ron and RSM to everyone I know looking to secure a mortgage for their new home or refi their existing mortgage! Call them today - you won't be disappointed!?

-JB, Realtor

Ron Layman is to be commended on the efficient and timely manner in transitioning us from prospective home buyer to homeowner.  His professionalism and expertise, along with his candor and self confidence, is to be admired.  The presentation of principles and lending policies exhibited transparency and such transparency encourages trust, a key component in any business transaction. All paperwork, and there appeared to be mounds of it, was reviewed, explained, and my endless questions answered either in person, by phone, or e-mail no matter the time.  There were no hidden costs and no costly delays.  Ron worked tirelessly and was meticulous with every piece of paperwork to help us procure our home.  He made sure we knew what to expect every step of the way. Would I recommend Ron Layman to another prospective home buyer? Yes.  Why?  He knows what he's doing. Thanks Ron and Republic State Mortgage.


Ron was incredible to work with.  This was our first experience buying a house and getting a loan, and I wouldn't want to go through it with anyone else.  Ron was constantly on top of everything that needed to be done and worked meetings around our schedule.  The entire process was easy and he explained everything to us step by step along the way.  He goes above and beyond (he even got us a sweet house warming gift).  We can't recommend Ron and Republic State enough.



Leitchfield, KY

326 South Main St.

Leitchfield, KY, 42754

(270)971-1725 Phone

(270)971-1726 Fax

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