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WHOLESALE RATES, VIP SERVICE

NMLS 344850/NV
Mortgage Banker Lic 2306

K.C. DeCesare
NMLS#1031758

PURCHASE LOANS

Whether you’re a first time homebuyer or a seasoned investor; K.C. is here to make your property dreams a reality. We fund on every major mortgage program in the mortgage industry. With our wholesale rates and VIP service, the Loans By K.C. team will make your next mortgage a smooth and stress-free experience.

REFINANCE LOANS

Rate too high? Term too long? Let K.C. advise you on your optimum mortgage structure. We have refinanced thousands of mortgage loans to save clients serious cash!

DEBT CONSOLIDATION LOANS

Want to upgrade your home or simply need some cash for whatever reason life throws at you, but have too much debt bleeding you dry? K.C is ready to unlock your borrowing power and get you the money you need, when you need it.

CREDIT STRATEGY

Have you been offered non-prime lending options or just outright denied any options whatsoever? K.C. and his team will provide a full analysis on your current situation and recommend tactics for rapid rescoring or full credit restoration.

LOANS BY KC LAS VEGAS

A proud part of Pinnacle Lending Group, Inc.

Starting with your initial conversation with K.C, you will encounter an atmosphere of enthusiasm, dedication, and professionalism that will put your mind at ease throughout the entire mortgage process. K.C. strives to deliver an exemplary customer service experience to both his valued clients, and referral partners. With over 60+ years of combined experience, the Loans By K.C. Team has funded every residential loan scenario possible.

For more than two decades, K.C. has built his mortgage practice with one concept in mind, to earn your trust and become someone you can depend on.

As K.C himself puts it:

“By delivering wholesale mortgage rates and a higher level of service than my clients and partners expect, I hope to position myself as their trusted lender for life.”

When you do business with K.C., not only will you receive the highest level of service, knowledge and communication, you’ll receive the most important thing you could hope for from a loan officer – results.

So call, email, or visit K.C. to secure your family’s future today!

K.C. DeCesare is a native of Southern Connecticut and attended Arizona State University, graduating in 1993 with a Bachelor of Arts in History. After college, K.C. relocated to fabulous Las Vegas for the ideal weather and excellent business opportunities with the city’s expanding residential and housing market. When he is not helping people achieve their future goals, K.C. enjoys mountain biking, hiking and staying active.

CONVENTIONAL LOANS

A conventional mortgage refers to any loan that is not insured or guaranteed by the federal government, as opposed to government-insured loans such as those from the Federal Housing Administration (FHA), U.S. Department of Veteran Affairs (VA) and U.S. Department of Agriculture (USDA). The Loans by K.C. team is an experienced staff of Conventional Underwriters ready to stamp “approved” your loan application! If you need flexible programs and wholesale rates, call K.C. today to explore your conventional mortgage options.

VA LOANS

VA loans are guaranteed by the Department of Veteran Affairs and funded through approved lenders such as us. We are your Las Vegas experts on VA mortgage loans and have funded millions of dollars under this program. Whether you are PCSing to Nellis or Creech, we have the the very best VA mortgage rate and service terms for you! And of course, thank you for your service.

JUMBO LOANS

Do you need a loan amount over $453,100? Loans by K.C. has the very best investors that are seeking Jumbo clients and we are very active in the Jumbo arena. Do you need flexible Jumbo options, low documentation of income or a creative down payment? Then call us for unique Jumbo financing.

NON QM LOAN PROGRAMS

A Non-Qualified Mortgage is any home loan that doesn’t comply with the Consumer Financial Protection Bureau’s (CFPB) existing guidelines. If for example you can’t provide the fully documented income required for a traditional Qualified Mortgage; even if you have stellar credit, assets, and employment history, then a non conventional approach might be right for you.
We have several Non-QM programs and can provide prospective clients with options that extend beyond these agency guidelines. If you need this flexibility to qualify for a loan, then the Loans by K.C. team has the loan program that’s right for you.

FHA LOANS

FHA loans are mortgages administered by the US Department of Housing and Urban Development and insured by the Federal Housing Administration (FHA). As an approved FHA lender, let our in-house Direct Endorsed underwriting team secure your best FHA loan. If you’re saddled with a limited down payment or have tarnished credit, then let the experts on the Loans by K.C. team fund your low rate FHA mortgage.

testimonials

Goes Above and Beyond

All I can say is “WOW”!!! KC and his team were amazing. Their application process was easy, their requests were clear, and they always responded to us immediately and with a great attitude. I LOVED working with KC. He understood our unique situation, and went above and beyond in helping us requalify for a VA loan.

S. Gentry from Las Vegas, NV

Could not have asked for more

K.C was absolutely the best loan officer I could ask for… He really was an extremely valuable asset kn my wife and I actually getting into our now dream home… He went WAY above and beyond to ensure we closed in a timely manner (30 days) and I honestly feel it would do them a serious injustice not to leave this review… If/when we decide to go through this process again, I will undoubtedly use K.C DeCeasar and Pinnacle lending again!!

RCmorneault from Pahrump, NV

Refinance of VA Loan

Just a note to let you know how grateful we are for you helping us with the VA refinance. You was referred by my realtor friend to look at our loan that was being processed by another company and you gave us great advice and a great deal of information. You made the refinancing less stressful for me. The closing was completed before the end of the month. Thank you for your expert advice with our VA refi loan and your time and knowledge.

Sonja M. North Las Vegas, NV