About Kevin
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.
Awards
Borrower Testimonials
Very helpful in every way.
Very professional service and friendly and helpful all around. Great job!
We had a great experience working with Kevin and his team. Being relatively new to the U.S. and not having an established credit history made our mortgage process much more complicated than a typical home purchase. It was a long journey with quite a few challenges along the way, but Kevin stayed patient, responsive, and committed throughout the ent...
Kevin, Penny, and everyone on the team were extremely helpful, communicative, and a true pleasure to work with throughout this entire process. They made the experience of me purchasing my first home so memorable and joyous! I am so grateful!
The interpersonal connections you achieve with clients
The communication from start to finish.
That Kevin worked very closely and diligently to ensure that it is done.
Great work Kevin! From one Kevin to another!
The Service was top notch
It was a great experience because you guys worked swiftly on your side to made it a nice and fast process.
Kevin handled my refinance during a very high volume period in the market. He delivered on time and we closed as scheduled.. It was a smooth and easy process and I'm now enjoying my new low interest rate! Thanks Kevin!
Great communication
Over communicate. I think there was an assumption since I work in this industry that I would know every step and be able to quickly respond to every pivot. Such is not the case and more than once I had to reach out to get answers, rather than being offered them first.
Kevin took time to discuss the refinance options available with the pros and cons. He also continuously checked the rates to give us the best numbers possible...probably the best numbers imaginable! When looking at the options with another agent, we were in the mind set that the numbers were not in our favor but Kevin got us even better rates so it...
Made our refinance pretty effortless
Kevin and Kendall did everything possible to make getting our mortgage as easy and stress free as possible. I can’t even begin to express the gratitude I have for them making the process so streamlined and simple. Buying a home is already stressful, but I can confidently say that this part of the process was not. Thanks!!!
The communication from Kevin and his team was terrific. Always quick to respond to our questions and help ease our anxiety with our purchase.
Great experience!!! Kevin and his team were quick to answer any questions we had.
It was quick and easy.
Secure and easy to use portal made uploading documents a breeze.
Kevin and Kendall were always pleasant and easy to work with. They were quick to resolve any concerns. It helps when people are friendly and patient during this whole tedious, annoying process. I'm certain they feel the same way. 😉
Absolutely incredible performance from Mr. O'neil. Communicated openly and frequently throughout a 4 month home search. Answered every question, thought ahead to get us what we needed before we asked, and even took the time to help us with special requests. All of that AND he got us the BEST rate in town and was super helpful with adjustments to do...
Kevin and Kendall made the experience great. Even though we've purchased homes previously, this was the first time we had done new construction. They were available to answer my questions and really worked with me to ensure the process ran as smoothly as possible.
Very happy with Kevin getting me a great rate and helping me through the process.
More
- View more testimonials on Experience.com & Zillow.com
Realtors! Announcing Our: Real Estate Realities Masterminds
On 10/21/2026 at 2:00 pm
In a crowded market, doing great work is not always enough. People also need to understand what makes working with you different. Join me for Real Estate Realities: Jumpstart Your 2027 with Lance Pendleton on October 21 at 2 p.m. ET. Lance will share how to: - Create messaging that cuts through industry noise - Build a business around what clients truly need - Deliver an experience people remember and want to refer See you there!