The Best Options, Rates, and Transparent Guidance
Buying a home can be tough! We’re here to provide you with the most accurate and transparent advice while delivering the best pricing and options.
Here’s how we help you
We’re faster, better priced, less closing costs, more knowledgeable & more available than anyone else.
Unfortunately, searching the for “first time home buyer” programs makes you a prime target to be taken advantage of.
The majority of “Programs” out there are nothing but sales funnels with no real benefits. The vast majority of those lenders are also incredibly expensive.
We keep the entire process transparent while providing tangible cost savings. You deserve it.
Fast and no obligation
What are the financial benefits?
We take a huge hit to our commission and can beat any program you bring to us.
- Consistently over $6,000 less in closing costs than any large retail lender.
- Significantly better rates.
- $500-$1000 We reimburse the appraisal.
- $200 We pay for your credit report and verification of employment fee’s.
- NO Application or underwriting fee’s.
- NO Bait and switch.
- Grants and Down Payment Assistance
What are the other benefits?
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Experts at complicated income.
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Patient and willing to strategize regardless of the stage you’re in.
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Communication nearly 24/7.
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Fast Pre-approval - Normally within 24hrs.
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Fast Closings - 2-3 weeks
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Low Credit and Low Down Payment Options
Frequently Asked Questions
What is a "FTHB" by definition
Someone that has not been on title to any property in the last three years
Since this is our program, there are no hard restrictions for most benefits, however, for our lender based programs such as a Home Ready Loan, you must meet at least the area median income requirements.
I'm scared to talk to you
No worries!
We know that it can be tough to get started.
We'll work at your pace and what you're comfortable with.
What types of loans are available?
All of them.
We are a broker and have access to hundreds of lenders.
FHA, Conventional, First Time Home Buyer specific, VA, Jumbo, Down Payment Assistance, Lender grants, special purpose credits to name a few.
Are there fee's?
No! Never!
The only time you pay for anything is the inspection ( not the appraisal ) and at the closing table.
What if my credit is awful?
We don't care.
We have all the same tools that the credit repair companies use to help you strategize.
I want to put down the least amount possible.
Sure! We have options to do 0% down. FHA you can do 3.5% and conventional you can do 3%.
We strongly don't recommend the 0% options, but they do exist.
Keep in mind the lenders that have 0% options have to make money on it somehow. That typically comes with a very high payment.
How quickly do you approve?
Typically same day.
We might need some documents and if so then usually approval next day.
How quickly can you close?
We can close in as short as 11 days.
Our average is under 3 weeks.
Do you understand shift differentials, per-diem, housing allowances, overtime, doubletime etc?
Very much so. We've dealt with these additional pay types and job structures many times.
What about if I have a job starting in the future or I recently graduated?
No problem! If you have a signed offer letter, that normally works even if you close on the home before you start work.
What value do you provide over anyone else?
We provide superior level of care at tangibly better pricing.
- We answer our phones on the weekend, late night and early morning. This can be the difference in getting an offer accepted.
- Our pricing is substantially better.
- Our knowledge and problem solving ability is underwriter level.
- Nobody moves as quickly as we do.
- We genuinely care about your success.
How long have you been open?
Kasey Home Loans was founded in August of 2023.
Despite our recent founding we have closed over 500 loans over our career with a focus on quality.
Do you know what you're doing?
Ramsin has closed over 500 loans combined (that's a lot) including very complex and non-standard situations. Ramsin was known as the highest quality and most efficient banker at his previous employers.
We understand that nobody likes an emotional roller coaster of thinking you are approved to later find out you're not.
We work incredibly hard to ensure that every loan we put into process will close.
How can I be sure you are licensed correctly?
Please feel free to check out our licensing page where we show you how to look up a license and show ours.
You say you have good pricing but everyone says that.
First, we implore you to get a quote with us. Not only will it be very accurate, it will be nearly unbeatable.
Our overhead is very low and we're able to offer significantly better rates while still being profitable.
What's the point of a broker? Aren't you just a middle man?
Yes, we are a middle man. We facilitate the qualification, customer service, and get pricing that you can't get yourself.
If we both call the same lender we will be many thousands of dollars cheaper while still making money and providing better service.
Let’s Get Started!
It’s free, fast and always better to start sooner than later.
The inquiry is a short 10 question form we reply to very quickly.