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Proudly serving clients across Virginia, Florida and North Carolina.
I understand that buying or refinancing a home is one of the most significant financial decisions my clients will make. That's why I'm committed to giving my team the knowledge, resources, and support they need to guide borrowers through the mortgage process with confidence and attention to every detail.
With extensive experience across all facets of mortgage lending, I can help my team navigate everything from first-time home purchases to refinancing and complex financing needs. My expertise includes Conventional, Jumbo, FHA, VA, USDA, and Renovation loans.
I stay current on financial and housing-market trends, mortgage guidelines, and state and federal regulations so I can serve as a trusted resource for my team and our clients. My goal is to ensure our clients receive more than just a loan—they receive informed guidance and the most competitive financing solution for their unique needs.
Rating: 4.5 out of 5.0 from Encompass Kevin was extremely helpful throughout the process. MATTHEWHampton, VA Aug 08
Kevin was extremely helpful throughout the process.
Rating: 4.8 out of 5.0 from Encompass Kevin is very knowledgeable and educates the buyer through the experience. RobinCARROLLTON, VA Aug 06
Kevin is very knowledgeable and educates the buyer through the experience.
Rating: 5.0 out of 5.0 from Encompass Very helpful Answered my questions and I could tell he truly wanted me informed. I didn't feel rushed nor uncomfortable MelvinHAMPTON, VA Aug 05
Very helpful Answered my questions and I could tell he truly wanted me informed. I didn't feel rushed nor uncomfortable
Rating: 5.0 out of 5.0 from Encompass Great because Kevin walked me through the entire process. This was my first time buying a home. Kenisha MHampton, VA Aug 05
Great because Kevin walked me through the entire process. This was my first time buying a home.
Rating: 5.0 out of 5.0 from Encompass Kevin was famtistic and very responsive anytime I reached out. We didn't have any issues so I don't know how he handles obsticles but i'm thankful we didn't have any to overcome. MELISSAHAMPTON, VA Aug 04
Kevin was famtistic and very responsive anytime I reached out. We didn't have any issues so I don't know how he handles obsticles but i'm thankful we didn't have any to overcome.
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 31
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 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 30
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 29
estimates were pretty close to final numbers
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 28
Kevin was readily available to answer any of our questions. informative and extremely helpful .
Rating: 4.2 out of 5.0 from Encompass Thank you for making it all AmandaCARROLLTON, VA Jul 27
Thank you for making it all
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 27
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: 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 24
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: 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 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: 4.5 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