Ready to connect?
Let's Talk
Call, text, email, or grab a time that works for you. Not sure which to pick? Text is easiest. Say hi and what you're trying to do, and I'll take it from there.
Text
Fastest. Usually back within the hour.
Call
You'll get me, not a call center. If I miss it, I call back as soon as possible.
Good for documents or a longer question. Replies within one day.
Book a Call
A quick first conversation. No documents needed, no credit pull.
Ready to apply?
Start your application
Your application doesn't live on this website. When you click below, you'll leave loanswithjohnk.com and open my application page at Loan Factory, the licensed brokerage I originate loans through.
Encrypted from the moment you type
The portal runs on an encrypted connection and stores your documents inside Loan Factory's system. Nothing is emailed, texted, or saved on this site.
The same system every Loan Factory borrower uses
Loan Factory is a licensed mortgage brokerage (NMLS #320841). The portal is theirs, built for handling Social Security numbers, bank statements, and tax returns.
It comes straight to me
The link is my personal application page, so your file lands with me, not a queue. I'll reach out the same day to go over it.
About 15 minutes. Save and come back anytime.
You'll create a login, so you can stop partway and finish later. Have your ID, recent pay stubs, and last two bank statements handy if you want to upload them now.