For most people, buying a home is the single largest financial decision of their life. I've spent 15 years making that process feel less like a transaction and more like a partnership — honest, transparent, and on your side from application to keys.
When called upon to achieve the impossible — saving deals other lenders couldn't close — I've consistently come through. That's why my clients send their friends, family, and Realtors my way year after year.
Over 500 five-star Google reviews on Stonehaven Mortgage and 500+ on Zillow — and counting. Combined with Birdeye, Angi, and more, Team Perks has amassed over 1,000 verified five-star reviews across platforms.
"Kyle made the entire mortgage process seamless. We were first-time buyers and he walked us through every single step. Closed on time, no surprises."
"Our deal almost fell through with another lender two weeks before closing. Kyle stepped in, got it done, and we got the keys on time. He's the real deal."
"I've referred three clients to Kyle. Every single one called me afterward to thank me. That doesn't happen by accident — he's exceptional."
"Kyle answered my texts at 9pm the night before closing. That level of dedication is rare. I won't use anyone else."
"Competitive rates, no hidden fees, and a team that actually communicates. The condo financing was tricky and Kyle handled it with zero drama."
"As a Realtor I care deeply about who I refer my clients to. Kyle has never let me down. Fully underwritten pre-approvals that actually mean something."
"Kyle made the entire mortgage process seamless. We were first-time buyers and he walked us through every single step. Closed on time, no surprises."
"Our deal almost fell through with another lender two weeks before closing. Kyle stepped in, got it done, and we got the keys on time. He's the real deal."
"I've referred three clients to Kyle. Every single one called me afterward to thank me. That doesn't happen by accident — he's exceptional."
"Kyle answered my texts at 9pm the night before closing. That level of dedication is rare. I won't use anyone else."
"Competitive rates, no hidden fees, and a team that actually communicates. The condo financing was tricky and Kyle handled it with zero drama."
"As a Realtor I care deeply about who I refer my clients to. Kyle has never let me down. Fully underwritten pre-approvals that actually mean something."
Our rates are typically .125% to .25% lower than the competition. And if we lock a client into a rate and rates drop before closing, we lower it — for free.
Every client gets no-cost refinances for life — every single fee covered (title, underwriting, appraisal, and more) for all future deals we do together.
A good rate starts with a great score. We work with borrowers to identify and resolve credit issues so they can qualify for the best rate possible.
One of our biggest differentiators is consistent, frequent communication — with clients, Realtors, and attorneys. Phone calls available at all times, including weekends.
We handle everything in-house for fast turnarounds — whether it's a last-minute fix at closing or a credit repair solution. We do it all under one roof.
We do the heavy lifting before closing — no funding authorization required at the table. That's how our closings average 45 minutes instead of the typical 2–3 hours.
Your mortgage doesn't live in a vacuum. We coordinate directly with your CPA and financial advisor so the loan structure fits your full tax, investment, and long-term wealth picture — one holistic decision, made together.
An informed client is a confident client. I invest time upfront so there are zero surprises at closing.
APR vs. rate. Points. Float downs. We break down exactly what you're paying and why — and how to get the best structure for your specific situation.
DTI, reserves, income documentation — we map out your real buying power before you fall in love with a house that doesn't pencil out.
Our free lifetime refinance program means we watch rates for you. When the moment is right, we move. Every client gets this — forever.
A 20-point credit score jump can save thousands over a loan's life. We show clients exactly what to pay down, dispute, or restructure before applying.
Whatever your situation, there's a loan built for it. Here's what we work with every day.
Rates typically .125%–.25% below market. 45-minute closings. Free lifetime refinances. Call or apply in two minutes — no runaround.