About Me
About Billy Kinberg – Your Dedicated Mortgage Expert Across 12 States
As a Senior Loan Officer, my mission is to make the mortgage process clearer, smoother, and more empowering for every client I serve. Whether you’re purchasing your first home, moving up, refinancing, or expanding your investment portfolio, I am committed to guiding you with honesty, transparency, and a dedication to achieving the best possible results. Your goals are personal—and I treat them with the level of care and attention they deserve.
With extensive experience in the mortgage industry, I have built a strong reputation for helping clients navigate even the most complex financing situations. From traditional programs such as FHA, VA, and Conventional loans to flexible solutions like DSCR, Non-QM, Bank Statement, P&L, and 1099 loans, I provide lending options that support a wide variety of financial backgrounds. Whether you’re self-employed, an investor, or a first-time buyer, I work to match you with the loan that fits your life.
My approach is centered on open communication and full transparency. I believe every borrower deserves to feel confident and informed throughout the mortgage process. That’s why I take the time to explain every option, break down each step, and ensure you always understand what comes next. You’re never just a transaction—you’re a valued client who receives guidance tailored to your needs.
As a loan officer licensed across DC, MD, VA, PA, OH, NC, SC, TN, GA, FL, CO, and TX, I proudly serve clients in a wide range of markets. This multi-state licensing allows me to support buyers relocating across state lines, investors purchasing properties in multiple regions, and clients exploring new opportunities in growing markets. No matter where your goals take you, I offer consistent, reliable, and knowledgeable support.
Every borrower has a different financial story, and no two mortgage files are the same. That’s why I take a personalized approach—evaluating your current position, long-term goals, and overall financial picture to recommend the most beneficial loan structure. Whether it’s securing down payment assistance, exploring jumbo solutions, or structuring investment financing with DSCR programs, I am committed to helping you succeed.
What truly sets my service apart is my commitment to making the entire process smooth and stress-free. I work diligently behind the scenes to prevent delays, anticipate potential challenges, and ensure your loan moves forward efficiently from application to closing. My priority is to deliver a seamless experience so you can focus on what matters most—your future home or investment.
At the heart of everything I do is a genuine passion for helping people achieve their homeownership and financial goals. Buying or refinancing a home is one of the biggest decisions you’ll make, and you deserve a trusted professional by your side. When you work with me, you’re choosing reliability, experience, and a partner who is fully invested in your success. Your goals are my mission, and I’m here to help you reach them with confidence.
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Your Trusted Mortgage Partner for Smarter Home Financing
Welcome to a mortgage experience built around clarity, trust, and personalized guidance. As Billy Kinberg – Senior Loan Officer, I help homebuyers, homeowners, and investors secure the right loan with confidence. Whether you’re exploring FHA, VA, Conventional, Jumbo, DSCR, Non-QM, Bank Statement, P&L, 1099, Down Payment Assistance, or First-Time Homebuyer programs, you’ll receive expert support from start to finish. Licensed across DC, MD, VA, PA, OH, NC, SC, TN, GA, FL, CO, and TX, I provide reliable service, competitive options, and a smooth path to closing—no matter your goals or situation.
