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KC Mortgage LLC is a Castle Rock Colorado Mortgage Broker
We are a Locally Owned and Operated Mortgage Broker in Castle Rock, Colorado. We are licensed, bonded and insured. Our website is the quick and easy place to get started towards qualifying and applying for a Purchase of a Home or Refinance your current Home Mortgage. KC Mortgage LLC is licensed to serve all of our Colorado neighbors and communities. We know that each customer has specific needs, so we strive to meet those needs with a wide array of services.
We are a Colorado Mortgage Broker that offers competitive mortgage rates and closing costs. The products that we offer include, FHA, VA, USDA, Conventional, Jumbo, Reverse mortgages, 203k FHA or Homestyle Conventional Renovation loans, and First Time Homebuyers. We also have specialized programs for manufactured, modular homes and self employed. We offer Rate & Term Refinance as well as Cashout Refinance. We can customize your loan term to fit your needs. Credit Challenged maybe we can help. Low or no down payment programs maybe available.
We will work with you on an individual basis on the Purchase of a home OR Refinance your current home. We will explain programs and options that you may not know about. We will let you know what loan programs you qualify for and which ones to avoid in your particular situation. We have the team that can meet your mortgage needs.
Kay Cleland is a Colorado Mortgage Expert with 37 years of experience and is a National Lending Integrity Seal Holder*, Certified Residential Mortgage Specialist, Certified Mortgage Consultant, Certified Veterans Loan Specialist and the 2019 President of the Colorado Association of Mortgage Brokers.
We are here to help you. Call us Today.
NMLS#265374, CO#100026748, Company NMLS#37430
Regulated by theDivision of Real Estate
For Verification of State Licensing Click Here
What Our Customers Are Saying *
"KC mortgage surpassed our expectations! They explained every step of our refinance process and all options available. They were available 24/7 for questions and responded immediately. Customer service was excellent! Perhaps best of all no surprises throughout the process. Our experience was excellent! We will be using KC mortgage for all our future mortgage needs. Indianapolis, IN ~ RON Without doubt the best individual I have EVER worked with in the mortgage world. Her experience and education is unparalleled. She takes the time to explain things and looks out for your best interest, NOT HERS! Customer first! forget the banks...this is the person you need to be working with!~ Guest The best of the best. You can trust Kay. Professional fast and the customer service is outstanding. Customer for ever ~ Guest Kay is the ultimate professional and will not disappoint you with the level of customer service and commitment she offers her clients. Her attention to detail and extensive knowledge of the mortgage industry separate her from everyone else. I strongly recommend Kay for all of your real estate financing needs."
"Outstanding & Positive Experience with Kay Cleland Kay Cleland was amazing. She is thorough, hardworking, extremely personable and positive. She is a joy to work with each time even in tough times trying to face some challenges that might come through getting a mortgage or refinance today with the market the way it was.I travel alot and she worked around my crazy schedule to make sure I was able to get my refinance. Kay did an amazing job and now I have a great low rate and low payment on my house. I would encourage anyone looking for a positive less frustrating experience to try Kay Cleland. She will find the best solution for you and push hard to get it done as quick, painless and enjoyable as possible."
"Amazing at what she does!!! Wow! She did amazing things! She worked on my loan late into the night and helped get it approved! She worked the loan as if it was her buying the home! Amazing person and would recommend to anyone!!Pleasure to do business with!"
"Jamie - Director of Fundraising, Griffith Centers for Children I purchased a home through Kay and couldn't have been happier with my experience. Kay worked around the clock to get me the best rate possible. She was a joy to work with, very friendly, very knowledgeable and I would, and have, recommend Kay to anyone in the market for a home loan - she was absolutely wonderful!"
"Courteous, Professional and Knowledgeable I've dealt with a few different lenders in my time buying properties in different states. By far nobody has gone to the lengths that Kay has to ensure that I got the best rate possible. Her knowledge of VA Loans came up with creative methods of ensuring that we got every penny promised to us by the sellers. If I ever need the services of a lender, I'm not even going to bother looking again. Kay was wonderful, and impressed me to know end."
"Kay was great to work with, I recommend her 110%. She was an awesome mortgage professional."
"Kay Cleland Kay Cleland makes refinancing very easy. She was timely with what we needed, getting back to us, and setting up the closing. We would absolutely work with Kay again. Five stars for Kay Cleland."
"Great Experience Both Times! The first time we refinanced our home I looked for local lenders and brokers and Kay was able to get us the best rate for the loan we wanted. We had such a great experience with her the first time that we went with her again. After shopping around for rates for the second refinance her rates were still the best. We've recommended her to anyone needing a loan and had a friend go through her as well. I don't think you will find anyone as upbeat and charismatic either. Great person who does her job well."
"Cetified Welder Fabricator for Front Range Wireless Kay is outstanding in her feild, she is professional and yet so personable to work with. Kay makes you fee like you are her only client, like you are a very special person. She works tirelessly to get you the best deal on current interest rates and all other facets of her profession. She is a Five Star Mortage Exspert and a Five Diamond person!"
"Dedicated Kay has been amazing - a breath of fresh air amidst many unfavorable mortgage professionals! From the first call we made to her to the last paper signed, she has maintained not only a professional manner, but also showed a genuine concern. We were not treated as a loan number - but as real people with real lending needs. Her attitude has been impressive. She constantly maintains a positive and realistic perspective. She will not beat around the bush and make empty promises. She is always honest and very diligent. She found us the perfect loan for our needs. She explained the entire process and explained every new step as it came along. We were never left hanging. We were never afraid to call with any questions or concerns. She was always prompt in returning our calls and emails, keeping us up to date on the entire loan process. She is friendly, upbeat, and a pleasure to work with! Her services are top-notch and she has our highest recommendation! She really had our backs the whole way and always fought to get the job done! All 10's for the scoreboard and a 5-star rating in our experience. Thank you Kay, for being our mortgage warrior!!! To anyone looking for a dedicated and successful mortgage professional, Kay is the one you want! You will not be disappointed!"
James & Cindi Gibbs
"The " Best " My wife and had been talking of refinancing our house over the last year as rates continued to drop. Not knowing where the rates would up we began looking into our options, and after getting a letter from our mortgage company( Bank of America) about lowering our rates we decided, let's do it . So, we responded to our mortgage company figuring that since we already have a mortgage with them it would be an easy transition for us. We could not have been more wrong. They were an absolute pain to deal with. We never would of dreamed of all the (to us) useless questions and hoops they wanted us to jump through. They wanted personal information for both of us that had absolutely no bearing on our qualifying for their offer, and to be frank was none of their business. Still we realized that things are different now than a few years ago so we responded to each query they send our way and after many weeks of phone calls, emails and frustration we were told that we'd have to come up with cash at closing because the appraisal they arranged with their company was short of what we had estimated our home value. This was the last straw for us and we decided then and there that we would look into our other options. We decided to look into our local offerings and began an online search of Denver area mortgage brokers and put our name and address out to see what would happen. What happened was the absolute finest and the most professional individual that we could have possibly dreamed of, Ms Kay Cleland. Her quick response to our application was impressive, but not as impressive as the whole process that she guided us through. Every single detail no matter how small was dealt with quickly and more importantly, correctly. The end result, in a couple of short weeks (3) we had our new mortgage at a rate much lower than our former company had offered us. We did not jump through hoops or answer ridiculous questions. We cannot begin to heap enough praise on Kay and her professional abilities. We will continue to tell every one of our family and friends about her. If you want to refinance or if you have any questions at all about the mortgage business and how the operate, do yourself a favor call Kay Cleland, she is the "Best" you'll find in Denver or maybe anywhere.James and Cindi Gibbs, Lakewood Colorado."
"Robert Willaiams In early 2012 I was recommended by a friend to contact Kay for mortgage assistance, as he had a great experience with her for a home mortgage. As I was looking at the time to purchase a property, I did talk to Kay about my interest in a property.Upon purchasing said property, I had Kay do my mortgage procedure. She was expedient and most helpful in all endeavors we encountered. She stayed in constant contact with what was going on, and used laymen terms to explain the procedures. Most importantly, she sought the best deal and situation for my needs!I highly recommend Kay for any mortgage assistance, and would use her serviceagain if the need arises!Robert Williams720-236-8675"
"Enjoying our home Simply put: Kay delivers where others don't! My wife and I had been turned down for a mortgage loan once before and were leery of trying again, fortunately for us, we had Kay on our side. She does what she says she'll do and we appreciate that kind of honesty and professionalism. Would recommend her without hesitation!"
Bill & Alicia T.
"Outstanding! We hadn't refinanced our home for several years and with interest rates being this low we finally decided it was time again. So we looked for someone with good experience in our area and Kay got back to us immediately. She was cheerful and engaging and made whole loan app process almost fun, if that's possible.Kay's deep knowledge of the industry and access to so many products meant that she not only got us the lowest rate possible, but that she was also able to move us from a 30 year mortgage to a 15 year - saving us about *200 THOUSAND* dollars in interest over the life of our original loan!So that coupled with her extremely friendly and professional attitude and demeanor means we'd absolutely recommend her to anyone looking for a mortgage. Thanks Kay!"