Cold Spring, Kentucky homebuyers: Meet Nicholas Eberhard, your dedicated Mortgage Loan Officer at Heritage Bank, Inc. Nicholas specializes in guiding clients through the mortgage process, offering expert advice and personalized solutions. Whether you're a first-time buyer or seeking to refinance, Nicholas provides comprehensive mortgage services tailored to your unique needs in the Cold Spring area. Connect with Nicholas during business hours, 9 AM to 5 PM, and let him help you achieve your homeownership goals.