Mortgage Done Right. No Junk Fees. No Runaround.
We are an independent mortgage broker licensed in Florida, Arizona, Texas, and Michigan. Co-founders Kirk Chivas and Ken Turkington bring 60+ combined years of mortgage experience — and they have worked together since 1997. That means when you work with us, you get a team that knows how to handle everything from straightforward first-time buyer deals to complex scenarios that other lenders turn away.
Whether you are buying, refinancing, or just running the numbers — talk to Kirk or Ken directly. No call center. No chatbot.
Start Your Free Pre-Approval Join the Rate Watch SystemOr call or text us directly at (248) 459-5511
We Do Not Just Close Loans. We Build Wealth.
Most mortgage companies want to close your transaction and move on. We want to be the financial resource you call for the next 30 years — even when the honest answer costs us a deal.
Refinance — We Show You Every Option
Historically 60% of our business is refinance. Rates are moving. We will show you every structure side by side and tell you honestly which one makes sense — or if none of them do yet.
Our clients are the foundation of everything we have built since 1997. Read what they say about working with Kirk and Ken.
Read Client ReviewsMarkets We Serve
Independent mortgage broker licensed in four states. Local knowledge from Kirk's 6 years in Lakewood Ranch, Ken's roots in Gilbert, AZ, and our Michigan home base since 1997.
Frequently Asked Questions
Do I need to find a home before I get pre-approved?
No — and you should not wait. Getting pre-approved before you start looking gives you a clear budget, makes your offers stronger, and means you can move fast when you find the right home. We can pre-approve you with a soft credit pull that does not affect your score.
What makes you different from a bank or an online lender?
As an independent broker, we shop your loan across multiple wholesale lenders simultaneously — not just one bank's products. Wholesale rates are typically lower than retail rates, and we do not charge junk fees on top. You also deal directly with Kirk or Ken from start to finish, not a rotating team of processors.
What does "no junk fees" actually mean?
Junk fees are charges lenders add to boost their margin — processing fees, administrative fees, application fees, underwriting markups. We do not charge them. Your loan costs what the lender charges, plus our transparent broker fee. No surprises at the closing table.
Should I refinance right now?
It depends entirely on your current rate, your loan balance, and how long you plan to stay in the home. If your rate is 6.5% or higher, it is worth a conversation. If you are not sure, join our free Rate Watch System — Kirk or Ken will monitor rates and call you when the math works in your favor. No guessing, no pressure.
What loan programs do you offer?
Conventional, FHA, VA, USDA, jumbo, DSCR investment loans, adjustable rate, fixed rate, second home, cash-out refinance, rate and term refinance, and no closing cost refinance. If you have a mortgage need, we have a program for it — or we will tell you honestly that we do not.
What states are you licensed in?
Michigan, Florida, Arizona, and Texas. First Commerce Financial NMLS #137512.
Ready to Get Started?
Talk directly with Kirk or Ken — no call center, no chatbot, no runaround. Straight answers about what you qualify for and what your mortgage will actually cost.
Start Your Free Pre-Approval Join Rate Watch — FreeOr call or text us directly at (248) 459-5511
