Compare the Options
Review programs, costs and guidelines across a broad network.
KEN CLOSES FAST ⚡
8–14 Day Closings. More Options. Clear Guidance.
Mortgage solutions for homebuyers, homeowners and investors, backed by 17+ years of mortgage experience.
Where Speed Meets Certainty.
Where Speed Meets Certainty.★★★★★ 43 Five-Star Google Reviews|17+ Years Experience|TX • GA • FL • AL
What Are You Trying to Do?
Start with your goal. We’ll build the route.
Choose the path that best matches what you want to accomplish. You’ll get focused guidance before taking the next step.
🏡
Buy a Home
Understand your buying power and build the right mortgage strategy.
💰Down Payment Assistance
Explore assistance and the financing that needs to work with it.
🏠Refinance / Use Home Equity
Compare HELOC, home equity and refinance options responsibly.
📈Finance an Investment
Start with the deal, the numbers and the exit strategy.
🤝Realtor Partners
Create buyers, solve scenarios and keep transactions moving.
⚡Not Sure? Explore My Options
Tell Ken what you want to accomplish and get routed to the right next step.
The Mortgage Broker Advantage
More choice. Stronger advocacy. A plan built around you.
Instead of relying on one bank’s menu, Ken can compare lenders, programs, pricing structures and guidelines to find a route that fits your full scenario.
300+ wholesale and specialty lending relationships More ways to solve for income, credit, property, timing and long-term goals.
Work the Difficult File
Ken studies the full scenario and searches for practical ways forward.
Communicate Clearly
Direct updates and plain-language guidance keep decisions moving.
Plan Beyond Closing
Stay connected for equity, refinancing, future purchases and investments.
Loan Programs
Options for straightforward—and complicated—scenarios.
Eligibility and availability vary by borrower, property, program and lender guidelines.
Conventional
Purchase and refinance financing.
FHA
Government-insured home financing.
VA
Financing for eligible veterans and service members.
Down Payment Assistance
Explore assistance with the financing strategy around it.
Doctor / Medical Professional
Specialty financing for qualifying medical professionals.
DSCR / Investor
Deal-focused rental property financing.
Bank Statement & 1099
Alternative-documentation paths for eligible borrowers.
HELOC / Home Equity
Review ways to access eligible home equity.
Fix & Flip / Bridge
Short-term financing for qualifying investor scenarios.
Jumbo
Financing for eligible higher-balance scenarios.
USDA
Financing for eligible properties and borrowers.
Renovation & Construction
Specialty options for eligible improvement and building plans.
Mortgage Calculator 2.0
Plan your payment. Prepare for closing.
Compare purchase programs and see both the monthly budget and the cash you may need.
Planning estimate only. Your actual payment and cash to close depend on your loan program, rate, credit profile, property, taxes, insurance, mortgage insurance, closing costs and final loan terms. Mortgage insurance, guarantee fees and eligibility depend on the final scenario. This is not a quote, approval or commitment to lend.
⚡ WANT THE REAL NUMBERS? LET’S REVIEW YOUR OPTIONSProgram assumptions & sources
Purchase planning only; home price is used as the estimated property value. FHA and USDA monthly fees use an estimated first-year average scheduled balance and may change over time. Loan limits, property eligibility and borrower qualification require lender review.
Agency parameters checked September 15, 2026: HUD annual MIP table, HUD premium calculation, VA funding fees, USDA FY 2026 fees, and Freddie Mac PMI illustration.
Authentic Client Reviews
Previous clients. Their exact words.
★★★★★ Google Review
Kizzy Michelle
Previous Client Review“Buying your 1st home or making any kind of real estate transaction can be very intimidating. I was given the contact information of three mortgage brokers.”
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“Buying your 1st home or making any kind of real estate transaction can be very intimidating. I was given the contact information of three mortgage brokers. After my initial consultation with Ken, I felt at ease. I didn't feel it was necessary to call the others. He explained what my options were for my particular situation and helped me close in record time. I highly recommend Ken as your mortgage broker.”
★★★★★ Google Review
Mickaela Fate
Previous Client Review“Ken, Ken, Ken!!! Ken was so helpful and very knowledgeable about the kind of home loan we needed.”
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“Ken, Ken, Ken!!! Ken was so helpful and very knowledgeable about the kind of home loan we needed. Took the time to discuss all the options and set realistic expectations so that we would be setup for success. If you are looking for a home loan don’t hesitate to use Ken and his team. I don’t usually leave reviews but some are worth it!!!”
★★★★★ Google Review
Marsa Davis
Previous Client Review“I have officially changed Ken's name to KEN FOR THE WIN lol. What a professional.”
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“I have officially changed Ken's name to KEN FOR THE WIN lol. What a professional. Ken was so nice, patient, detail oriented and informative. I felt very comfortable asking questions. He dropped so many gems on the home buying process and what I can do to prepare myself to make the process easy breezy. I took a ton of notes and left the conversation feeling very empowered. He will be my loan officer, and I will be referring him to everyone I know. Ken is out here showing out, okay?!?”
About Ken
Built for difficult loans. Committed beyond closing.
Ken McDonald brings 17+ years of mortgage experience. Clients turn to him with credit challenges, unusual income, tight timelines or loans another lender could not complete. He studies the full file, applies deep guideline knowledge and builds a practical strategy.
Ready now? Let’s get you approved.
Not ready yet? Let’s build the plan.
Not ready yet? Let’s build the plan.
Realtor Partners
Help buyers move from “not yet” to mortgage-ready.
Fast scenario reviews, strong pre-approvals, DPA, investor solutions and clear communication—plus a plan for buyers who need more time.
EXPLORE REALTOR PARTNERSHIPSBUSINESS DEVELOPMENT MANAGER PROGRAM
Want to Build More Than a Referral Partnership?
Qualified Realtor partners who first establish a successful working relationship with Ken may have an opportunity to explore the Business Development Manager program.
Down Payment Assistance
Explore programs—or ask Ken to help.
The self-service DPA Search currently covers Georgia and Texas. Buyers nationwide can ask Ken to explore available resources and coordinate the appropriate next step, subject to location, licensing, program availability and eligibility.
Contact Ken
Let’s Build Your Mortgage Plan.
Tell Ken what you want to accomplish. He’ll help you identify the right next step.