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 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.
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 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.
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
If you have a Vision We will help you to turn it into reality
6475 S Rainbow Blvd, Las Vegas, NV 89118, USA