KD Capital Mortgage Corporation

KD Capital Mortgage Corporation: mortgage brokerage in Paso Robles

KD Capital Mortgage Corporation is a mortgage brokerage established in 2010 and based in Paso Robles, California. Its activity focuses on helping borrowers understand the loan process and on tailoring financing solutions to each client's particular needs. The firm states it has financed thousands of loans since its founding and serves both first-time homebuyers and experienced real estate investors.

Purchase programs

The company's offerings include various types of loans for home purchase:

• Fixed-rate mortgage: the interest rate and payments remain the same for the entire term of the loan.
• FHA loan: a government-insured product with flexible options.
• VA loan: aimed at veterans and active-duty military, with fixed-rate or adjustable-rate (ARM) options.
• Renovation loan: allows renovation costs to be included in the loan itself.
• USDA loan: for home purchase with no down payment in certain rural and suburban areas.
• Jumbo loan: designed for high-value financing.
• First-time homebuyers: programs specifically for those taking out a mortgage for the first time.
• Low down payment options: alternatives aimed at making homeownership more accessible with a low initial outlay.
• Investment properties: programs for vacation homes and properties intended for rental or investment.

Financing for investors and specific projects

In addition to residential purchase products, the firm offers solutions for specific profiles and transactions:

• Bank statement program: allows bank statements to be used as the basis for obtaining a favorable mortgage loan.
• Bridge loan: facilitates the transition between selling the current home and buying a new one.
• Construction loan: financing tailored to building a home from the ground up.
• DSCR loan: focuses on the debt service coverage ratio to secure the right mortgage.
• HELOC: a home equity line of credit that allows you to tap into the equity built up in your home.
• Reverse mortgage: converts part of the real estate equity into cash, aimed at securing retirement.
• Seller-paid buydown: reduces mortgage payments with a contribution from the seller.

Refinancing

The company also handles refinancing transactions. Among the options it presents are mortgage refinancing, which can reduce the monthly payment; cash-out refinancing, which allows access to the equity built up in the home for various purposes; and VA loan refinancing, for which it describes two main paths.

Educational approach and customer service

KD Capital Mortgage Corporation describes itself as an education-based mortgage company. Its team of loan officers and support staff works to get to know the client and find financing that fits their goals and financial circumstances, present and future. The firm emphasizes its commitment to communication and accessibility, and maintains a learning center with 27 informative articles on homebuying and financial planning. The company presents itself as an option for those seeking support throughout the entire mortgage process.

Corporate data and licenses

The company operates under NMLS number 266021 and holds a California Department of Real Estate license number 01875517. It declares itself an Equal Housing Opportunity entity.

Location and contact

1305 Vine St, Paso Robles, CA 93446 · Phone: (805) 226-5550