Business Details
38 Years
experience
Your Trusted Mortgage Partner in Irvine, CA
Since 1988, Kent Mortgage has provided tailored mortgage solutions to homebuyers and refinancers. Our team of loan officers averages over 30 years of experience, offering personalized guidance through the mortgage process. We specialize in fixed-rate, adjustable-rate, jumbo, FHA, VA, and reverse mortgages, ensuring clients find the right financial product for their needs. Our commitment to transparency and customer service has earned us a reputation for reliability in Southern California. We utilize electronic processing to streamline paperwork while maintaining a personal touch throughout the lending journey. With 80% of our loan officers having served the company for over 30 years, we combine institutional knowledge with modern efficiency.Our focus remains on matching clients with appropriate loan products rather than pushing standardized solutions. As a locally-rooted business, we understand the unique housing market dynamics across Orange County, Los Angeles County, and surrounding areas. Our longevity and repeat client base reflect our dedication to ethical lending practices and financial education. We continue to serve both first-time homebuyers and experienced property investors with equal attention to detail and service quality.
Services
Fixed Rate Loans
ARM Loans
Jumbo Loans
FHA Loans
VA Loans
Reverse Mortgages
Details
- Year established: 1988
Highlights and features
- We offer loan officers with over 30 years of average experience
- Our team provides personalized mortgage solutions tailored to individual needs
- We utilize electronic processing to save clients time while maintaining accuracy
- Our customer service team has enthusiastic professionals dedicated to client satisfaction
- We maintain long-term relationships with 80% of loan officers staying over 30 years
What people say
Great communication
Expedited processing
Knowledgeable and nice
Treat you like family
Beat the deadline
Services
Fixed Rate Loans
Fixed Rate Mortgages provide borrowers with consistent monthly payments and protection against market fluctuations. These loans feature interest rates that remain unchanged throughout the loan term, offering financial predictability for homebuyers and refinancers. Available in 15- and 30-year terms, they help clients plan their finances without concern for rising interest rates. Our experienced loan officers guide clients through selecting appropriate loan durations based on individual financial circumstances and homeownership goals.
ARM Loans
Adjustable Rate Mortgages offer initial periods with lower interest rates compared to fixed-rate loans. These loans benefit borrowers who expect income growth or plan to move within several years. After the fixed period, rates adjust according to market conditions with built-in caps to limit payment increases. Our team explains adjustment schedules and helps clients understand potential future payment scenarios while taking advantage of initial savings opportunities.
Jumbo Loans
Jumbo Loans exceed conventional loan limits, providing financing for high-value properties. These non-conforming loans offer flexible terms up to $15 million with options for fixed or adjustable rates. Ideal for luxury home purchases or investment properties, they accommodate unique financial situations with less government regulation. Our specialists help clients navigate qualification requirements and structure loans that match their specific needs.
FHA Loans
FHA Loans provide accessible homeownership opportunities with low down payment requirements and flexible credit standards. These government-insured mortgages benefit first-time buyers and those with limited credit histories. We assist clients through the streamlined application process, including documentation requirements and mortgage insurance premium explanations. Our team helps qualify borrowers for competitive rates while meeting federal housing administration guidelines.
VA Loans
VA Loans offer favorable terms for eligible military personnel, veterans, and surviving spouses. These government-guaranteed loans feature zero down payment options and no mortgage insurance requirements. Our specialists guide clients through the certificate of eligibility process and explain funding fee options. We help veterans access competitive rates while navigating the unique benefits available through the Department of Veterans Affairs.
People
Roger Williamson
CFO/Co-Founder
Roger Williamson has served as CFO and Co-Founder of Kent Mortgage since its establishment in 1988, bringing over three decades of mortgage industry expertise to the organization.
Alice Williamson
Co-Founder
Alice Williamson co-founded Kent Mortgage in 1988 and has contributed to the company's growth through her extensive knowledge of mortgage lending practices and client relationship management.
Nicole Babyak
President
Nicole Babyak has served as President of Kent Mortgage since 1988, leading the company's strategic direction while maintaining a strong focus on personalized client service and mortgage product innovation.
Linda Doltar
Vice-President
Linda Doltar has held the position of Vice-President at Kent Mortgage since 1988, overseeing key operational aspects and contributing to the company's consistent service quality across three decades.
Dirk Herzog
Loan Officer
Dirk Herzog has worked as a Loan Officer at Kent Mortgage since 1994, providing mortgage solutions to clients while maintaining the company's standards of professional service and expertise.
Questions
What mortgage loan types do you offer?
We offer fixed-rate, adjustable-rate, jumbo, FHA, VA, and reverse mortgages to meet various homeownership needs.
How can I qualify for a mortgage?
Our loan officers evaluate credit history, income documentation, and property details to determine mortgage qualification.
Do you offer government-backed loans?
Yes, we provide FHA loans for first-time buyers and VA loans for military personnel and veterans.
Can I refinance my existing mortgage?
We offer refinance options including rate-and-term and cash-out refinancing for qualified borrowers.
What areas do you serve?
We primarily serve Southern California including Orange, Los Angeles, San Diego, Riverside, and Ventura counties.
How do I start the mortgage process?
Contact us for a consultation to discuss your financial goals and receive personalized mortgage recommendations.
