Lydia Shina
Branch Manager & Construction Specialist
About
I have been in the mortgage industry for 24 years this month—both as a mortgage specialist and branch manager. As a mortgage broker, I’ve worked with a multitude of lenders since 2005 but joining the Silverton Team is an exciting new chapter for me and I look forward to expanding my horizons for me and my clients. Perhaps what I enjoy most about my job is the excitement of families getting their first home, or expanding with their growing family, or setting themselves up in their new home for retirement. These are major milestones for these families, and I am honored and thrilled to be included in the fun and to be able to help them reach their goals. My clients can expect the best from me and get it. I am there for them and keep their needs as my top priority – and then I’ll ask them for a referral! The biggest asset to my borrowers is that I am tenacious on their behalf. I tend to go that extra step to make sure they are getting the best loan they can and to help them overcome any hurdles along the way. Once the loan is closed, I stay with them for the life of the loan as their “Go-To Gal”. My motto is “Change Your Loan, Change Your Life”. After so many changes in the industry over the two-plus decades, I have a lot of experience that comes in handy.
I am very involved within my community. One of the ways I volunteer is with a non-profit group I helped start called Focus Forward Mentoring Group, LLC, where we go into the high schools in our local school district and work with the students to learn essential life skills. Our goal is to help these kids become good citizens, employees, co-workers, and role models —so we help them learn to juggle life as it comes. We were honored with the JCPS Community Service Award in 2017.
In addition, I have been a member and Ambassador for our local chamber of commerce—GLI—Greater Louisville Inc since 2005. I am also a board member and Development chair for ElderServe, Inc—a nonprofit missioned to help the elderly in our community stay independent and thrive. It’s a unique organization for which President Clinton used as a template for community service planning during his administration.
In my free time, I love traveling, dancing, reading, hiking, and cooking. Family time is my greatest joy and spending time with friends while exploring the community is a standard pastime.
As a die-hard Foodie, I appreciate that our city is ripe with new adventures. Finally, my fav football team is the MN Vikings, and having gone to both the University of Kentucky and the University of Louisville, I bleed Purple!
Our Loan Programs
Buying a home can be overwhelming. There are so many financing options, offered by so many different banks, lenders, and brokers. Don’t stress yourself out trying to find the perfect product and perfect rate on your own – that’s what we’re here for! Contact us today to start a conversation about which loan option is right for you.
All LoansConventional
A Conventional Purchase is a “traditional” mortgage with as little as 3% down payment, requiring no upfront mortgage insurance fees and cancellable monthly private mortgage insurance. Both Fixed Rate & Adjustable Rate Mortgage options are available.
FHA
If you’re a first-time homebuyer and your credit score isn’t great, an FHA loan may be a great option for you. FHA loans allow for as little as 3.5% down and have options available for buyers with credit scores as low as 600.
HomeReady® Mortgage
With as little as 3% down, reduced mortgage insurance, and no minimum contribution from the borrower, this option is perfect for first-time homebuyers who may have a relative helping with the down payment.
Community Lending
As part of Silverton Mortgage’s commitment to give back to our communities, we are proud to offer down payment assistance and flexible mortgage programs through our Community Lending division.