Louisville's Trusted Home Loan Expert
I'm Gordon Goldsmith. I help families get approved for home loans—even when other lenders say no. Free credit analysis with every application.
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Hi, I'm Gordon Goldsmith
With over 20 years of experience in the mortgage industry, I've built a proven track record of helping clients achieve their homeownership and financial goals. As a proud veteran, I founded Goldsmith Capital Group to serve Louisville families—even when other lenders have turned them away.
I've seen every loan situation you can imagine. No situation is too hard or too complex—I handle it all. From credit challenges to unique financial circumstances, I give every client the attention to detail they deserve because your dream of homeownership matters.
20+ Years Experience
Proven track record of success
No Situation Too Complex
I've seen and handled it all
Free Credit Analysis
For every applicant
Veteran Owned
Proudly served, now serving you
Loan Programs & Services
We offer a full range of mortgage products. Click "More Info" on any service to learn more.
Credit Repair Services
Free credit analysis for everyone. Complimentary credit repair when you apply for a mortgage. We turn "no" into "approved."
Many lenders turn away people with credit issues. We don't. We help you fix your credit so you can qualify for the home you deserve.
VA Loans
Zero down, no PMI. As a veteran, I understand your needs.
VA loans are one of the best benefits for veterans, active duty, and eligible surviving spouses. I help you get the most out of your benefit.
FHA Loans
Low down payment options for first-time and repeat buyers.
FHA loans are government-backed mortgages with lower barriers to entry. Great for first-time buyers or those rebuilding credit.
Conventional Loans
Traditional financing with competitive rates.
Conventional loans offer flexibility and competitive rates for qualified borrowers. Multiple term options available.
USDA Loans
Zero down for eligible rural and suburban areas.
USDA loans help moderate-income borrowers purchase homes in eligible rural and suburban areas with no down payment.
DSCR Loans
Qualify based on property income, not personal income.
DSCR (Debt Service Coverage Ratio) loans are perfect for real estate investors. We look at the property's rental income, not your W-2.
New Construction
Build your dream home from the ground up.
Building new? We handle construction loans that convert to permanent financing. One loan, one closing, less hassle.
Investment Property
Multi-family, rentals, second homes, and more.
Build wealth through real estate. We offer financing for multi-family properties, vacation rentals, and investment portfolios.
Refinancing
Lower your rate or access your home equity.
Refinancing can lower your monthly payment, shorten your loan term, or give you cash for home improvements, debt consolidation, or other goals.
What Our Clients Say
Real results from homeowners we've helped.
"Two other lenders turned me down because of my credit. Gordon helped repair my credit, and six months later I was approved for my first home. Life-changing!"
"As a fellow veteran, I trusted Gordon with my VA loan. He understood exactly what I needed and made the whole process smooth. Got us into our dream home with zero down!"
"Gordon handled our new construction loan from start to finish. He coordinated with our builder and kept everything on track. Couldn't have built our custom home without him!"
Ready to Get Started?
Whether you're buying, refinancing, or need credit help first—I'm here for you. Reach out today.
Call Direct
(502) 398-3553
Info@goldsmithcapitalgroup.com
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Service Area
Louisville, KY & Surrounding Areas
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Frequently Asked Questions
Answers to common questions about mortgages and our services.
It depends on the loan type. FHA loans accept scores as low as 580 with 3.5% down. VA and USDA loans have flexible requirements. Conventional loans typically need 620+. But don't worry if your score is low—we offer free credit analysis and can help improve your score before applying.
It varies by loan type. VA and USDA loans offer 100% financing (no down payment). FHA requires as little as 3.5%. Conventional loans can go as low as 3% with good credit. We also have access to down payment assistance programs that can help cover your costs.
Don't give up! I specialize in helping people who've been turned down elsewhere. Many times it's a credit issue that can be fixed. I'll do a free credit analysis, identify what's holding you back, and create a plan to get you approved. Many of my clients were told "no" before coming to me.
When you apply for a mortgage with us, you get a free full credit analysis. If you need credit repair to qualify, we include that service at no extra charge as part of your mortgage process. We also offer economical standalone credit repair if you're not ready to apply yet.
Most conventional purchases close in 30-45 days. VA loans typically take 30-45 days as well. If you need credit repair first, that timeline varies based on your situation—sometimes a few months. I'll give you a realistic timeline during our first conversation.
Typically you'll need: 2 years of tax returns, recent pay stubs, 2 months of bank statements, W-2s or 1099s, and a valid ID. Self-employed borrowers may need additional documentation. For DSCR loans, we focus on the property's income instead of personal docs.
Absolutely! I love working with first-time buyers. I'll walk you through every step of the process, explain your options in plain English, and make sure you understand what you're signing. Many first-time buyer programs offer low down payments and special assistance.
I'm based in Louisville, Kentucky and serve the entire Louisville metro area and surrounding counties. This includes Jefferson, Oldham, Bullitt, Shelby, Spencer, and more. If you're buying in Kentucky, give me a call!
Still have questions? We're here to help 24/7.