Mortgage
A Smarter, More Connected Home Buying Experience
Buying a home is one of the biggest financial decisions you’ll ever make. As both a Real Estate
Advisor and a licensed Loan Originator, I offer my clients the unique advantage of having one trusted
advisor who understands both the home search and the financing behind it.
By combining real estate expertise with mortgage knowledge, my team can help you make informed
decisions, evaluate financing options, identify opportunities, and anticipate potential challenges
before they become obstacles. My goal is to simplify the process, provide clear guidance, and help
you feel confident every step of the way.
Whether you’re purchasing your first home, moving up, investing, refinancing, or exploring creative
financing solutions, we have access to a wide variety of loan programs designed to meet your unique
financial needs. Together, we’ll identify the financing strategy that best supports both your immediate
goals and your long-term financial future.
Below you’ll find an overview of the mortgage programs and financing options available to help you
begin your homeownership journey with confidence.
Some of the Loan Programs Offered
Conventional Loan
It’s the most popular loan in America for good reason. You can finance almost all types of homes
using it. Primary homes, investment properties, vacation homes, manufactured homes,
condominiums, and more. If you can afford a 20% down payment on your property, you can eliminate
mortgage insurance altogether – saving you money every month.
- Finance up to 97% of home's value.
- Interest rates are affected by several factors, including intended occupancy, loan-to-value and credit score.
- Eliminate private mortgage insurance with a 20% down payment.
- Seller concession allowed from 2% - 9% depending on occupancy and loan-to-value.
FHA
Fair Housing Administration loans are designed with relaxed requirements to make it easier for
borrowers to qualify. If you have a low credit score but can manage at least a 3.5% down payment,
you may be a good candidate for an FHA loan.
- Allows for a non-occupant co-borrower to help you qualify.
- Available for primary residences that meet FHA guidelines.
- Flexible credit qualifying.
- Seller concessions allowed up to 6%.
First Time Home Buyer
First-time home buyers should take advantage of unique opportunities designed to help them afford a
home. There are state programs, tax breaks, and lower down payment requirements. Even if you’ve
owned a home in the past, you may still be eligible for these programs. First-time homebuyer loans
may offer down payment and closing cost assistance, 0% down payment loans, and expanded credit
score criteria allowing for more borrowers who have lower scores.
VA Loans
If you’re a current, active-duty member of the U.S. military, a Veteran, or an eligible surviving spouse,
you may qualify for a VA loan to purchase your primary residence. VA loans are easier to qualify for
than a conventional loan and don’t require any down payment.
- Finance up to 100% of the home's value.
- Available for primary residences that meet VA guidelines.
- Seller concessions allowed to cover closing costs, prepaid items and discount points.
- No private mortgage insurance in their monthly payment giving the borrowers more affordability in their payment.
Jumbo Loans
If you’re ready to purchase a luxury home or live in one of the most expensive areas in the country,
you may need a jumbo loan. With it, you can finance up to $3,000,000 to purchase the property.
Jumbo loans can be used for a variety of home types including primary and secondary/vacation
homes, investment properties, condos, and more.
- Finance up to 90% of home's value.
- Available for primary and secondary home, vacation homes, condominiums or condotels, rural properties, large acreage, and more.
Keller Assist - Down Payment Assistance
The Keller Assist DPA Loan Program is a game-changing opportunity designed to support clients in
achieving homeownership with ease. With 100% financing for FHA loans and ZERO down payment
requirements (closing costs still apply), this program opens doors for more buyers, expanding
potential client base.
- No Income Limits: Eligibility isn't restricted by stringent income requirements.
- Minimum 600 FICO Score: Flexibility for clients with less-than-perfect credit scores.
- Non-Occupant Co-Borrowers Allowed: Accommodating diverse financial arrangements, fostering inclusivity.
Wealth Builder
Our Wealth Builder Loan program is tailored to investors who are self-employed or have difficulty
qualifying for traditional financing due to high debt-to-income ratios. By focusing on the property’s
ability to generate income, we provide a financing solution that looks beyond your personal credit and
income history.
- Down payments as low as 20%
- Credit scores as low as 640 FICO
- Minimum loan amount $100k
- Maximum loan amount $2M
- No personal income required to qualify and no tax returns
- Borrowers qualify based on rental analysis to determine property cash flow
- Residential properties only
- 1-4 Unit Properties
- Properties can be in LLC's name
Refinance
Apply for a new mortgage with more favorable terms. You can refinance to get a lower interest rate, to
get a different type of loan without mortgage insurance payments, or to change the number of years
to pay off your loan. It’s also common to get cash out of a refinance to consolidate high-interest debt,
fund home improvements, or have cash for other needs.
- Refinance to a conventional, FHA, or VA loan.
- Access your home's equity for home projects, college costs, or to pay off high-interest debt.
- Shorten the length of your term to pay off your loan faster.
One Trusted Advisor. Two Areas of Expertise.
Why Clients Appreciate Having One Trusted Advisor
- One point of contact throughout the home buying and financing process.
- Better communication, coordination, and a smoother transaction.
- Guidance on how financing impacts your home search and negotiating strategy.
- Access to a variety of loan programs for first-time buyers, veterans, Heroes, investors, self-employed borrowers, and more.
- Personalized education so you understand your options, not sales pressure.
- A commitment to helping you build long-term wealth through real estate.
Needed info on this page:
Katrina Gibson-Bragg
- Loan Originator
- NMLS# 2754983
- M: (323) 691-9821
- kgibsonbragg@kwlends.com
- https://kwlends.com/loan-officer/kgibsonbragg