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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: 5.0 out of 5.0 from Zillow I highly recommend Kim Vap. She is very knowledgeable and really responsive. She walked me through the whole process, made sure everything was absolutely correct, showed great attention to detail, and followed up with me to make sure everything was going well. I will definitely call her again in the future. BrentVirginia Beach, VA May 01
I highly recommend Kim Vap. She is very knowledgeable and really responsive. She walked me through the whole process, made sure everything was absolutely correct, showed great attention to detail, and followed up with me to make sure everything was going well. I will definitely call her again in the future.
Rating: 5.0 out of 5.0 from facebook I was a MLO for over 20 years so I know this industry and I set the bar high! Kim is amazing! Megan Hudson Gawne Apr 29
I was a MLO for over 20 years so I know this industry and I set the bar high! Kim is amazing!
Rating: 5.0 out of 5.0 from facebook I highly recommend Kim. My purchase had a huge snag due to the FHA status of the community and Kim worked hard to get it taken care of so I could still close and get the property I had fallen in love with. She spent hours working with numbers and all the behind the scenes to make sure I got the best rate available. You are never just another app... Angela Ramos Apr 29
I highly recommend Kim. My purchase had a huge snag due to the FHA status of the community and Kim worked hard to get it taken care of so I could still close and get the property I had fallen in love with. She spent hours working with numbers and all the behind the scenes to make sure I got the best rate available. You are never just another app...
Rating: 5.0 out of 5.0 from facebook Kim Vap is the best! Not only did she help us with the best mortgage for our needs, she made the whole lending process for our new home as easy as it could be even though it can be a little complicated for self employed business owners. We even managed to take a vacation (most of which was without much phone service mind you) and come back to thing... Lou Fernandez Apr 29
Kim Vap is the best! Not only did she help us with the best mortgage for our needs, she made the whole lending process for our new home as easy as it could be even though it can be a little complicated for self employed business owners. We even managed to take a vacation (most of which was without much phone service mind you) and come back to thing...
Rating: 5.0 out of 5.0 from facebook Kim went above and beyond to help me get into my home. She even called and woke my but up on a Saturday morning to HELP me complete a few tasks during the process. I recommend her to anyone. She has a heart of gold, and truly cares for her clients. Robin Hughes Apr 29
Kim went above and beyond to help me get into my home. She even called and woke my but up on a Saturday morning to HELP me complete a few tasks during the process. I recommend her to anyone. She has a heart of gold, and truly cares for her clients.
Rating: 5.0 out of 5.0 from facebook ⭐️⭐️⭐️⭐️⭐️ Kim Vap is a total gem. She shows up with heart, kindness, and the kind of care that instantly makes everything feel easier. She’ll cheer you on, help you through, and make you feel supported every step of the way. Honestly, everyone needs a Kim in their life. Julie Coggsdale 757 Realtor Apr 29
⭐️⭐️⭐️⭐️⭐️ Kim Vap is a total gem. She shows up with heart, kindness, and the kind of care that instantly makes everything feel easier. She’ll cheer you on, help you through, and make you feel supported every step of the way. Honestly, everyone needs a Kim in their life.
Rating: 5.0 out of 5.0 from SFTP I felt that I could trust Kim and that she sincerely cared about me as a customer. Kim , Ricardo and Leah were all responsive and helpful throughout the process. LouisMOYOCK, NC Apr 03
I felt that I could trust Kim and that she sincerely cared about me as a customer. Kim , Ricardo and Leah were all responsive and helpful throughout the process.
Rating: 4.5 out of 5.0 from SFTP My experience was good RobertVirginia Beach, VA Apr 03
My experience was good
Rating: 5.0 out of 5.0 from SFTP Kim communicated often and more so than any other loan officer I have worked with. She also made herself available at all times of day. DustinChesapeake, VA Apr 03
Kim communicated often and more so than any other loan officer I have worked with. She also made herself available at all times of day.
Rating: 5.0 out of 5.0 from Zillow Kim was so personal and we spoke pretty much every day, she was always easy to be reached anytime. My husband is military and so I was doing the move by myself and incredibly nervous about buying. Kim went the extra mile to make sure that I understood everything and felt comfortable. She even came to my closing! I would HIGHLY recommend Kim to any... Zuser20170811190715238Virginia Beach, VA Apr 03
Kim was so personal and we spoke pretty much every day, she was always easy to be reached anytime. My husband is military and so I was doing the move by myself and incredibly nervous about buying. Kim went the extra mile to make sure that I understood everything and felt comfortable. She even came to my closing! I would HIGHLY recommend Kim to any...
Rating: 5.0 out of 5.0 from Zillow To say that I had a complicated loan application would be the understatement of the century! When I applied for a mortgage on a new home, I was a student (and had the six figure loans that accompany that status), my credit score was on the lower end, my income was derived from self employment, and I had a host of other complications I won’t belab... Darcy Reed2013Portsmouth, VA Apr 03
To say that I had a complicated loan application would be the understatement of the century! When I applied for a mortgage on a new home, I was a student (and had the six figure loans that accompany that status), my credit score was on the lower end, my income was derived from self employment, and I had a host of other complications I won’t belab...
Rating: 5.0 out of 5.0 from Zillow Kim walked us through the entire lending process on our time and was extremely helpful and professional. I would highly recommend working with her and enjoyed the experience. Turdy356Virginia Beach, VA Apr 03
Kim walked us through the entire lending process on our time and was extremely helpful and professional. I would highly recommend working with her and enjoyed the experience.
Rating: 5.0 out of 5.0 from Zillow Kimberly Vap gave me excellent service throughout the entire mortgage loan process, beginning with the loan application, through the document submissions and updates during the loan processing for my home in March 2018. She was very courteous and patient, and kept me on track with frequent updates on the status of the loan. She did a great job! I w... Minnie RuffinPortsmouth, VA Apr 03
Kimberly Vap gave me excellent service throughout the entire mortgage loan process, beginning with the loan application, through the document submissions and updates during the loan processing for my home in March 2018. She was very courteous and patient, and kept me on track with frequent updates on the status of the loan. She did a great job! I w...
Rating: 5.0 out of 5.0 from Zillow After being referred to Kim in order to secure a Refinance I was amazed at what a great job Kim did. Kim was extremely helpful, answered all my questions within a timely fashion, and walked me through the process of refinancing my home whenever I needed any help. I honestly feel Kim went out of her way to secure my Refinance. Kim's knowledge and ex... David JohnsonChesapeake, VA Apr 03
After being referred to Kim in order to secure a Refinance I was amazed at what a great job Kim did. Kim was extremely helpful, answered all my questions within a timely fashion, and walked me through the process of refinancing my home whenever I needed any help. I honestly feel Kim went out of her way to secure my Refinance. Kim's knowledge and ex...
Rating: 5.0 out of 5.0 from Zillow I definitely recommend Kim. She was so helpful in an unusual situation with my purchase. She really went above and beyond to make sure I got the best rate available, closed on time, made sure my community got the FHA approval I needed and always remained professional and friendly. She is amazing and you can tell she cares about her clients. I n... AngelaChesapeake, VA Apr 03
I definitely recommend Kim. She was so helpful in an unusual situation with my purchase. She really went above and beyond to make sure I got the best rate available, closed on time, made sure my community got the FHA approval I needed and always remained professional and friendly. She is amazing and you can tell she cares about her clients. I n...
Rating: 5.0 out of 5.0 from Zillow Kim was amazing to work with. I emailed her at 11pm in desperate need of a pre-approval letter. She called me back before 8am and had my letter to me in 30min. She had a great tool she used to show us the different loans and rates we could get. She was extremely helpful answering questions and recommending based on her expertise. We also got such a... Nicole ShivelyVirginia Beach, VA Apr 03
Kim was amazing to work with. I emailed her at 11pm in desperate need of a pre-approval letter. She called me back before 8am and had my letter to me in 30min. She had a great tool she used to show us the different loans and rates we could get. She was extremely helpful answering questions and recommending based on her expertise. We also got such a...
Rating: 5.0 out of 5.0 from Zillow As is often the case, there were a lot of moving parts and changes when we were purchasing our home and there were moments of anxiety. However, Kim was thorough at every step of the process, helping us get a low rate, and then making sure that everyone was communicating to get the loan closed on time. Her team was helpful and quick to respond. I wo... Katherine CurrinRoseland, VA Apr 03
As is often the case, there were a lot of moving parts and changes when we were purchasing our home and there were moments of anxiety. However, Kim was thorough at every step of the process, helping us get a low rate, and then making sure that everyone was communicating to get the loan closed on time. Her team was helpful and quick to respond. I wo...
Rating: 5.0 out of 5.0 from Zillow As a first time buyer, I greatly appreciated Kim’s transparency and insight into the loan process, as well as her assistance to get us to the rate and figures we were comfortable with. Thanks Kim! KristinaChesapeake, VA Apr 03
As a first time buyer, I greatly appreciated Kim’s transparency and insight into the loan process, as well as her assistance to get us to the rate and figures we were comfortable with. Thanks Kim!
Rating: 5.0 out of 5.0 from Zillow Kim was determined to get us to closing and she did just that. As a first time homebuyer, she sat down with me and went over my options at length. I felt very confident with the options we chose based on her guidance. In a rapidly changing market she stayed up to date with rates and locked us in before increases hit. Once under contract, it felt th... CharisseChesapeake, VA Apr 03
Kim was determined to get us to closing and she did just that. As a first time homebuyer, she sat down with me and went over my options at length. I felt very confident with the options we chose based on her guidance. In a rapidly changing market she stayed up to date with rates and locked us in before increases hit. Once under contract, it felt th...