Business Details
8 Years
experience
Your Trusted Mortgage Partner in Kansas City
Founded in 2018 by industry expert Deb Brasel, HMKC Mortgage operates with a clear mission: to simplify the home buying experience through personalized service and deep industry expertise. Our team brings over two decades of combined experience in mortgage lending, offering tailored solutions that address the unique financial landscapes of each client. We specialize in navigating conventional, unconventional, and investor loan products, ensuring borrowers secure competitive rates and terms that align with their goals. Our approach prioritizes relationship-building over transactional interactions, treating every client as part of the HMKC family.With a focus on transparency and education, we guide clients through every step of the mortgage process, from initial consultation to closing. Licensed in Missouri and Kansas, our services extend to homebuyers, real estate investors, and builders seeking specialized financing solutions. Our commitment to excellence is reflected in our track record of satisfied clients across the Midwest, supported by a team of seasoned professionals with decades of collective experience in mortgage lending. We remain dedicated to adapting to market changes while maintaining the personal touch that distinguishes our service.
Services
Conventional Loans
FHA Loans
VA Loans
USDA Loans
HELOCs
Investment Property Loans
Fix N Flip Loans
DSCR Loans
Construction Loans
Commercial Loans
Details
- Year established: 2018
Highlights and features
- We offer 20+ years of mortgage industry expertise with personalized guidance.
- Our team specializes in unconventional loan solutions for unique financial situations.
- We provide nationwide investor loan programs with flexible terms.
- Our licensed professionals serve Missouri and Kansas markets exclusively.
- We combine corporate-level precision with small-business client care.
Associations and certifications
- NMLS #1720438
- MO State Lic. Broker #18-2385
What people say
Extremely satisfied
Persistent and knowledgeable
Personal care and attention
Amazing staff
Seamless process
Services
Conventional Loans
Conventional loans provide reliable financing for borrowers with strong credit profiles. These fixed-rate and adjustable-rate mortgages offer predictable terms, competitive rates, and flexible down payment options. Ideal for first-time homebuyers and experienced investors seeking standard financing solutions without government backing.
FHA Loans
FHA loans cater to first-time buyers and those with lower credit scores. Backed by the Federal Housing Administration, these mortgages require minimal down payments and offer lenient lending standards. Perfect for qualifying buyers who need assistance meeting traditional mortgage requirements.
Investor Loans
Investor loan programs support real estate investors with competitive rates and flexible terms. Options include conventional Fannie Mae/Freddie Mac loans, DSCR loans based on property income, and fix-and-flip financing. Designed to maximize returns on residential and commercial investment properties.
VA Loans
VA loans provide exclusive benefits to military veterans and active-duty personnel. These zero-down payment mortgages feature competitive rates, no private mortgage insurance requirements, and streamlined refinancing options. Backed by the Department of Veterans Affairs for qualified service members.
HELOCs
HELOCs allow homeowners to access equity for renovations, debt consolidation, or major purchases. These flexible credit lines offer interest-only payments during draw periods and reuse capabilities. Ideal for leveraging home equity while maintaining existing mortgage terms.
People
Deb Brasel
Founder
Deb Brasel founded HMKC Mortgage in 2018 with 20+ years of real estate experience. She specializes in guiding Kansas and Missouri clients through complex mortgage processes while avoiding common pitfalls.
Steve Jarboe
Mortgage Lender
Steve Jarboe brings 37 years of mortgage lending expertise to HMKC Mortgage. Licensed in Missouri and Kansas, he tailors loan programs to meet individual client needs while adapting to market changes.
Eli Bakr
Mortgage Professional
Eli Bakr combines physics and business expertise in mortgage finance. His analytical approach helps clients navigate complex tax and financial scenarios for optimal mortgage solutions.
John Kunkel
Loan Officer
John Kunkel offers 25+ years of mortgage experience across five states. He specializes in customized loan options and streamlined processes for residential and commercial clients nationwide.
Doug Conway
Corporate Executive
Doug Conway leverages 30 years of corporate leadership to solve mortgage challenges. Licensed in Missouri and Kansas, he focuses on personalized solutions for home purchases and investment properties.
Questions
What types of mortgage loans do you offer?
We offer conventional, FHA, VA, USDA, HELOCs, investment property loans, fix-and-flip financing, DSCR loans, construction loans, and commercial mortgages.
Do you provide refinancing options?
Yes, we offer rate-and-term refinancing, cash-out refinancing, streamline VA/FHA options, and USDA refinancing programs for qualified borrowers.
Are you licensed to operate in my state?
We are licensed in Missouri and Kansas, with nationwide lending capabilities for investment and commercial properties across all 50 states.
How do I start the mortgage application process?
Begin by contacting our team via phone or email to schedule a consultation. We'll review your financial situation and guide you through required documentation.
What services do you provide for real estate investors?
We offer specialized investor loans including DSCR financing, fix-and-flip programs, portfolio loans, and nationwide investment property mortgages with flexible terms.
