OnPoint Home Lending Coldwell Banker
Questions? (513) 301-5616 See if you qualify
For renters in Independence, Kentucky

Stop paying off your landlord's mortgage.

You may be closer to owning a home in Independence than you think. Meet the local team that makes the whole thing simple — free to start, and zero pressure.

Brad & CaraYour local lending + real-estate team, right here in Northern Kentucky.
Brad Iannucci
The lending side

Brad Iannucci

OnPoint Home Lending · NMLS# 2664036

I'll show you exactly what you qualify for — including down-payment help most renters don't realize they can use. Straight answers, no cost, no obligation.

  • Down-payment assistance
  • Low- & no-down loan options
  • A clear number in about 5 minutes
Get pre-qualified
&
Cara Klare
The real-estate side

Cara Klare

Coldwell Banker · Oyler Hines · REALTOR®

Once you know your number, I'll help you find the right home in the right neighborhood — and negotiate hard to get it on your terms.

  • Local Independence-area expertise
  • Expert negotiation on your side
  • With you from search to keys
Start your home search
Why it's worth a look

Owning may cost less than you expect.

Every month you rent, you build equity for someone else. Here's how we help you keep it.

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Down-payment assistance

Kentucky programs can cover much — sometimes all — of your down payment for eligible buyers.

Low- & no-down loans

Loan options for first-time and repeat buyers — several need very little cash out of pocket.

Closing-cost help

We structure your offer and seller credits so you bring less cash to the closing table.

Expert negotiation

Cara negotiates price, repairs, and terms on your behalf — you're never doing it alone.

How it works

Three simple steps to your front door.

1

Get pre-qualified — free

Spend about five minutes with Brad and find out exactly what you qualify for. No cost, no commitment.

2

Find your home

Cara helps you search the Independence area, tour homes, and write a strong offer when you find the one.

3

Make your move

We handle the loan and the details together, side by side, all the way to closing day.

Ready to start? It's free.

Tell us a little about you and we'll reach out within one business day — no pressure, no cost, no jargon. You choose what happens next.

Prefer to talk now? Brad · (513) 301-5616 Cara · (859) 609-7266

Get your free consultation

We'll match you with the right next step — pre-approval, a home search, or both.

You're all set!

Thanks — we'll reach out within one business day. Talk soon!