FAQ

Frequently Asked Questions

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1. What types of loans does Kingdom Lending LLC offer?
We offer a full range of loan options, including Conventional, FHA, VA, Jumbo, ARM, Interest-Only, Reverse Mortgage, New Construction, Construction to Permanent Financing, Bank Statement Loans, DSCR Self-Employed Cash Flow Loans, Non-QM Investor Loans, Doctor/Physician Loans, Home Equity Loan, and Home Equity Line of Credit (HELOC). We tailor each solution to fit your unique financial goals.

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2. Do I need perfect credit to qualify for a home loan?
No. While good credit can help you secure better terms, we work with many lenders who offer flexible credit requirements. We’ll help you find the best options for your situation.

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3. How is a mortgage broker different from a bank or direct lender?
As a mortgage broker, we work on your behalf—not for a specific bank. That means we can shop multiple lenders to find the best rate and product for your needs, saving you time and money.

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4. What documents do I need to get pre-approved?
Typically, you’ll need recent pay stubs, W-2s or tax returns, bank statements, and a government-issued ID. We’ll guide you through exactly what’s needed based on your loan type.

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5. How long does the mortgage process take?
On average, closing takes 21–30 days, but timelines can vary depending on your loan type, property, and documentation. We’ll keep you updated at every step.

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6. Can I get a mortgage if I’m self-employed?
Absolutely. We specialize in working with self-employed borrowers and can offer alternative documentation loan options that factor in your true income picture.

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7. What areas do you serve?
We are currently licensed in Arizona and Florida, and are expanding into more states. Our vision is to grow steadily — one state and one satisfied client at a time—follow us for updates.

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8. How do I get started?
You can begin by scheduling a free consultation or submitting an online mortgage application directly through our website. We’ll take the time to understand your goals and recommend the right path forward. You can also call directly or send us a text or email if you have any general questions before getting started. 

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9. What makes Kingdom Lending different?

Kingdom principles—integrity, transparency, and service.

At Kingdom Lending, you're not just a number—we deliver mortgage guidance rooted in integrity, personalization, and Kingdom values. Unlike banks or direct lenders that push their own limited products, we shop multiple lenders to secure the best deal for you—while walking with you every step of the way like a trusted advisor, not a salesperson.

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10. Do you offer assistance for first-time homebuyers?
Yes! We provide education, personalized loan planning, and access to special programs for first-time buyers. We’re here to walk you through every step with confidence and clarity.