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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: 4.8 out of 5.0 from Encompass The communication from start to finish. JonSUFFOLK, VA Sep 18
The communication from start to finish.
Rating: 5.0 out of 5.0 from Encompass The interpersonal connections you achieve with clients James MCARROLLTON, VA Sep 18
The interpersonal connections you achieve with clients
Rating: 5.0 out of 5.0 from Encompass That Kevin worked very closely and diligently to ensure that it is done. SanjaySuffolk, VA Sep 18
That Kevin worked very closely and diligently to ensure that it is done.
Rating: 5.0 out of 5.0 from Encompass Great work Kevin! From one Kevin to another! KevinSUFFOLK, VA Sep 14
Great work Kevin! From one Kevin to another!
Rating: 5.0 out of 5.0 from Encompass The Service was top notch PabloSUFFOLK, VA Sep 14
The Service was top notch
Rating: 5.0 out of 5.0 from Encompass It was a great experience because you guys worked swiftly on your side to made it a nice and fast process. DestinyNORFOLK, VA Sep 03
It was a great experience because you guys worked swiftly on your side to made it a nice and fast process.
Rating: 5.0 out of 5.0 from Encompass This is my second transaction with Kevin; he has always been very clear and transparent in helping to navigate the mortgage (or refinance) process. He also is able to move through the process as quickly as possible, which is very much appreciated! DavidWilliamsburg, VA Sep 02
This is my second transaction with Kevin; he has always been very clear and transparent in helping to navigate the mortgage (or refinance) process. He also is able to move through the process as quickly as possible, which is very much appreciated!
Rating: 5.0 out of 5.0 from Encompass Kevin and his team were awesome! Very friendly, professional and easy to work with. It was a pleasure doing business with Kevin and his team! JamesChesapeake, VA Sep 02
Kevin and his team were awesome! Very friendly, professional and easy to work with. It was a pleasure doing business with Kevin and his team!
Rating: 5.0 out of 5.0 from Encompass Kevin is very professional, efficient, and responsive. Thank you! LarahWilliamsburg, VA Sep 02
Kevin is very professional, efficient, and responsive. Thank you!
Rating: 4.8 out of 5.0 from Encompass Kevin and his team answered every questions that we had. They made the process and easy to understand! I would definitely recommend them to someone else. JaquannaNewport News, VA Sep 02
Kevin and his team answered every questions that we had. They made the process and easy to understand! I would definitely recommend them to someone else.
Rating: 5.0 out of 5.0 from Encompass 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! BeatrizChesapeake, VA Sep 02
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!
Rating: 5.0 out of 5.0 from Encompass Great communication JamesSmithfield, VA Sep 02
Great communication
Rating: 4.0 out of 5.0 from Encompass 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. DianneVirginia Beach, VA Sep 02
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.
Rating: 4.7 out of 5.0 from Encompass 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... BernadetteSuffolk, VA Sep 02
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...
Rating: 4.2 out of 5.0 from Encompass Made our refinance pretty effortless SammySuffolk, VA Sep 02
Made our refinance pretty effortless
Rating: 5.0 out of 5.0 from Encompass 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!!! BryceChesapeake, VA Sep 02
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!!!
Rating: 4.8 out of 5.0 from Encompass The communication from Kevin and his team was terrific. Always quick to respond to our questions and help ease our anxiety with our purchase. TheresaYorktown, VA Sep 02
The communication from Kevin and his team was terrific. Always quick to respond to our questions and help ease our anxiety with our purchase.
Rating: 4.8 out of 5.0 from Encompass Great experience!!! Kevin and his team were quick to answer any questions we had. RichardYorktown, VA Sep 02
Great experience!!! Kevin and his team were quick to answer any questions we had.
Rating: 5.0 out of 5.0 from Encompass It was quick and easy. MarkVirginia Beach, VA Sep 02
It was quick and easy.
Rating: 5.0 out of 5.0 from Encompass Secure and easy to use portal made uploading documents a breeze. Chi-ThanhNorfolk, VA Sep 02
Secure and easy to use portal made uploading documents a breeze.
Rating: 5.0 out of 5.0 from Encompass 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. 😉 ScottSuffolk, VA Sep 02
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. 😉
Rating: 5.0 out of 5.0 from Encompass 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... MyronNorfolk, VA Sep 02
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...
Rating: 4.8 out of 5.0 from Encompass 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. BradenChesapeake, VA Sep 02
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.
Rating: 5.0 out of 5.0 from Encompass Very happy with Kevin getting me a great rate and helping me through the process. MICHAELWilliamsburg, VA Sep 02
Very happy with Kevin getting me a great rate and helping me through the process.