Michael Schad

Loan Officer

NMLS# 1018725
Tel: (502) 309-3700
Fax: (844) 308-1462
Cell: (502) 548-7441
Email Me

11414 Main Street
Louisville, Kentucky 40243

My name is Michael Schad with MyLendingRate.com of Primary Residential Mortgage. 

Being a loan officer is such a rewarding job. It fits my passion to help people every day achieving a dream and a goal in life that almost all of us have, that is home ownership.

Using my product knowledge, and knowing what controls credit scores, and offering a higher level service is what sets me apart from most in my field. It is about the care factor to educate, and help the consumer get into the best program for their family.I enjoy helping people learn about mortgages and what it takes to obtain a home, there is nothing more rewarding. Especially taking someone that has no education at all and helping them get to the finish line. The smiles at the closing table is what it is all about.


I love sports and being a part of them whether playing them or helping coach my son’s teams is something I thoroughly enjoy. 

I would love to make you my next home owner. Also you can apply on my website at schadloans.com





  • We are Louisville's Prestigiacomo & Kemelgor Group, a branch of Primary Residential Mortgage Inc.
  • We are a group with over decades of combined service, sales, and mortgage origination experience
  • We are committed to our core values and what we call “We Believe”
  • We are a group with in-house loan processing, underwriting, and closing
  • We are a leveraged/resource focused organization, and we pride ourselves on this approach to business
  • We are long-term relationship focused, with Clients, Partners & Referred Relationships
  • We are concerned about financial decisions with our Clients and the knowledge needed
  • We are focused on the EDUCATIONAL process with COMMUNICATION being our calling card! 



We are a company that does more than anyone in the “Mortgage / Loan Origination” arena! We pride ourselves on the way that we do it! We don’t try to be everything to everyone HOWEVER we can provide something to anyone through our approach to business and our understanding of relationships. 

  • FHA- Government backed loan that allows for little down payments
  • Conventional Lending- Traditional loan low rates and low down payments
  • VA- Tailored to current Military or those who have served, 100% available
  • USDA- Rural financing with no down payment
  • ADJUSTABLE RATE (ARM)- Short-term fixed rates, that turns into an adjustable rate
  • JUMBO- Larger loan amounts up to 2.5 million
  • REFINANCE- Owned real-estate looking to improve financially or take cash out
  • 203K DREAM HOME- Up to 31k above purchase price, towards home repair or remodel
  • INVESTMENT- Those looking to purchase properties as Investments
  • KY Special Programs and other programs




“This is our extension of the olive branch and a good faith offering to educate and inform while demonstrating our capabilities to help you accomplish your GOALS and generate a Mortgage.” 

  • Meet face to face and have an Introduction
  • Set a plan in motion including timelines, commitments, and expectations thus creating an Alignment
  • Submit a full application
  • Communicate, Communicate, Communicate
  • Deliver Value that you SEE, HEAR and FEEL



 Introduction, Alignment, Assessment, Agreement, Achievement, WIN (What’s Important, Now)!


Gone are the days of waiting for emergencies with your closing.

Solution = the LPK Group; simple straightforward and transparent.