You Talk to Ken or Kirk. Every Time. No Exceptions.
No call centers. No junior loan officers. No getting passed around. When you have a question — at any stage of your purchase or refinance — you reach one of the two people who built this company. Ken Turkington and Kirk Chivas have been doing this together since 1997, bring 60+ combined years of mortgage experience, and are licensed in Michigan, Florida, Arizona, and Texas. That direct access is not a feature we advertise — it is simply how we operate.
Mortgage broker vs. mortgage banker — the difference is real money
Mortgage bankers will tell you they lend their own money, so they have better rates. That is not true. Here is how the two models actually work — and why it directly affects your rate and fees.
We have been in the broker model since 2007 — through the crash and every market since. There is a reason we never left.
Read the full breakdown →Markets We Serve
Licensed in Michigan, Florida, Arizona, and Texas — with deep local knowledge in each market.
