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Home Mortgages

KFS offers financing for purchasing, refinancing, construction and more on a variety of properties including: primary homes, vacation homes, land, mobile homes on land, and seasonal homes. In addition, our lenders are experts at working with first time homebuyers.

Whatever your needs our mortgage professionals will work with you to find the mortgage that’s right for you. Throughout the process, our goal is to make you feel as comfortable as possible by answering your questions, keeping you informed, and explaining your financing options. You can feel secure knowing KFS provides:

  • Approval in Minutes, not days
  • Reduced Paperwork
  • No Application Fee
  • No need to pay Points
  • Option to “Lock” you Interest Rate at Application
  • Competitive Interest Rates
  • Local Decisions
  • Local Servicing


Let us pre-qualify you before you start your home search. We can help you decide which mortgage product best fits your needs and how much house you can afford. Our fast and free pre-qualification service gives you an advantage when shopping for a home. You will feel secure making an offer on a home with a pre-approval certificate in your hand.



Simplify the financing of your new home construction. Our One Closing Construction Loan combines construction and permanent financing in one loan, saving you the cost of a second closing. The competitive fixed rate and a flat construction fee will save you even more. Contact us to learn more.



Knowing exactly when to refinance, what to expect, and whether it makes sense for you can be confusing and intimidating. We can help you determine if refinancing will help you save money, lower your payment, or pay off your loan sooner. We’ll review your options, so you can decide if refinancing your mortgage will benefit you.

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