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I know that buying or refinancing a home is one of the biggest financial decisions that my clients will ever make. That's why I work hard to ensure my team has the resources and know-how to ease borrowers through the loan process, with no detail overlooked.
I have an extensive background in all facets of mortgage lending, so I can advise my team members in any situation, from a first-time home purchase to a refinancing. My expertise includes Conventional, Jumbo, FHA, VA, USDA, and Renovation loans.
I also make a point of keeping up with the latest financial and industry trends, as well as state and federal regulatory requirements, so I can serve as an informed advocate for my team and our clients. I make sure my team will not only get clients a loan, but the most competitive loan for them.
Rating: 4.5 out of 5.0 from Encompass Kevin made our home buying experience smooth and stress-free. He was always responsive, knowledgeable, and kept us informed every step of the way. As first-time homebuyers, we truly appreciated his patience and guidance. We couldn’t have asked for a better lender and highly recommend him! Eden Grace GaleonHAMPTON, VA Jul 23
Kevin made our home buying experience smooth and stress-free. He was always responsive, knowledgeable, and kept us informed every step of the way. As first-time homebuyers, we truly appreciated his patience and guidance. We couldn’t have asked for a better lender and highly recommend him!
Rating: 5.0 out of 5.0 from Encompass Because of Kevin and Renita very polite and prompt through out the whole process. Great Job! Thanks again! James MVIRGINIA BEACH, VA Jul 22
Because of Kevin and Renita very polite and prompt through out the whole process. Great Job! Thanks again!
Rating: 5.0 out of 5.0 from Encompass and his team were very patient with me and understanding. was going through multiple things at the same time and I really appreciate it. The advice that I was given was very helpful. Leslye ReneeHAMPTON, VA Jul 22
and his team were very patient with me and understanding. was going through multiple things at the same time and I really appreciate it. The advice that I was given was very helpful.
Rating: 4.3 out of 5.0 from Encompass estimates were pretty close to final numbers ChristineCARROLLTON, VA Jul 21
estimates were pretty close to final numbers
Rating: 5.0 out of 5.0 from Encompass Kevin was great. Always working hard to get it done. Thanks for Everything. SeanNorth Dinwiddie, VA Jul 20
Kevin was great. Always working hard to get it done. Thanks for Everything.
Rating: 4.8 out of 5.0 from Encompass Kevin was readily available to answer any of our questions. informative and extremely helpful . JonyHAMPTON, VA Jul 20
Kevin was readily available to answer any of our questions. informative and extremely helpful .
Rating: 5.0 out of 5.0 from Encompass Everyone from Berkshire to Ovm patient and professional with their job you all are one in 1 million Scale of one to 10 are 100 DarnellSuffolk, VA Jul 19
Everyone from Berkshire to Ovm patient and professional with their job you all are one in 1 million Scale of one to 10 are 100
Rating: 4.2 out of 5.0 from Encompass Thank you for making it all AmandaCARROLLTON, VA Jul 18
Thank you for making it all
Rating: 5.0 out of 5.0 from Encompass Kevin O’Neil provided exceptional service throughout my loan process. His professionalism, clear communication, and meticulous attention to detail made the experience smooth and stress‑free. I truly appreciate his dedication and the outstanding level of support he delivered. Beverly ASuffolk, VA Jul 17
Kevin O’Neil provided exceptional service throughout my loan process. His professionalism, clear communication, and meticulous attention to detail made the experience smooth and stress‑free. I truly appreciate his dedication and the outstanding level of support he delivered.
Rating: 4.5 out of 5.0 from Encompass Consistent communication Ashley ACARROLLTON, VA Jul 10
Consistent communication
Rating: 5.0 out of 5.0 from Encompass Kevin has been a part of many real estate transactions with me. He always does a fantastic job. PENNY CARROLLTON, VA Jun 26
Kevin has been a part of many real estate transactions with me. He always does a fantastic job.
Rating: 5.0 out of 5.0 from Encompass Working with Kevin was easy. He was informative, and I felt sure about what was needed from me and that I could call or text with any questions. And he's professional and kind. Thank you, Kevin! Michelle LNORFOLK, VA Jun 22
Working with Kevin was easy. He was informative, and I felt sure about what was needed from me and that I could call or text with any questions. And he's professional and kind. Thank you, Kevin!
Rating: 4.8 out of 5.0 from Encompass Response time was quick. BridgetteHAMPTON, VA Jun 19
Response time was quick.
Rating: 5.0 out of 5.0 from Encompass No additional remarks. KellyHAMPTON, VA Jun 19
No additional remarks.
Rating: 5.0 out of 5.0 from Encompass Purchasing my home was a smooth and easy process thanks to Kevin! Communication was great and he made sure I understood the process and answered any questions that I had. Shakayla MHampton, VA Jun 19
Purchasing my home was a smooth and easy process thanks to Kevin! Communication was great and he made sure I understood the process and answered any questions that I had.
Rating: 4.8 out of 5.0 from Encompass Great and frequent communication and updates Sue ACARROLLTON, VA Jun 01
Great and frequent communication and updates
Rating: 5.0 out of 5.0 from Encompass Ver informative , answered all my questions & made the process and transaction super easy & smooth Thank You So Much. Dondre DCARROLLTON, VA May 07
Ver informative , answered all my questions & made the process and transaction super easy & smooth Thank You So Much.
Rating: 5.0 out of 5.0 from Encompass Kevin was pleasant and kept true to hia words Pamela LCARROLLTON, VA May 04
Kevin was pleasant and kept true to hia words
Rating: 5.0 out of 5.0 from Encompass Great communication throughout process Catherine MarieYORKTOWN, VA May 04
Great communication throughout process
Rating: 5.0 out of 5.0 from Encompass Seamless process fast and very responsive orgaized staff ! ZuriCOURTLAND, VA Apr 21
Seamless process fast and very responsive orgaized staff !
Rating: 5.0 out of 5.0 from Encompass I had a lot of questions and Kevin answered all of them! He was very patient with me and very, very knowledgeable. He had great customer service! Janell JCARROLLTON, VA Apr 20
I had a lot of questions and Kevin answered all of them! He was very patient with me and very, very knowledgeable. He had great customer service!
Rating: 4.0 out of 5.0 from Encompass dont waste time asking about irelivent monney to the loan Matthew ImmanuelYORKTOWN, VA Apr 18
dont waste time asking about irelivent monney to the loan
Rating: 5.0 out of 5.0 from Encompass Kevin is knowledgeable, explained things very thoroughly to my client, kept us abreast during the transaction, and came to closing! PamCARROLLTON, VA Apr 14
Kevin is knowledgeable, explained things very thoroughly to my client, kept us abreast during the transaction, and came to closing!
Rating: 5.0 out of 5.0 from Encompass Excellent communication and knowledge. Thanks, Kevin! CindyCARROLLTON, VA Apr 14
Excellent communication and knowledge. Thanks, Kevin!