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With over 20 years of experience in the mortgage industry, Kim brings deep knowledge, versatility, and a client-first mindset to every transaction. She began her career at Countrywide, focusing on refinance loans, before moving to Navy Federal Credit Union, where she became a specialist in VA loans, working closely with military families. At Wells Fargo, she gained extensive experience in both purchase loans and refinances, and later at Movement Mortgage, she expanded her focus to include investor loans, helping clients finance real estate investment properties with confidence. In addition to her mortgage work, Kim is also a real estate investor. Her hands-on experience, trying different investment strategies has given her valuable insight she now shares with clients looking to grow their own real estate portfolios. Outside of her professional life, Kim is a proud basketball mom to her 12-year-old son, Cobi, who attends Jones Magnet Middle School in Hampton. He’s part of the accelerated education program and is equally dedicated to his studies and his work ethic on the basketball court. Supporting him in both academics and athletics is one of her greatest joys. Whether working with first-time buyers, seasoned homeowners, or fellow investors, Kim is known for her integrity, deep industry knowledge, and genuine care for her clients’ success.
Rating: 5.0 out of 5.0 from Encompass Kim and her team were, without a doubt, the most professional and dedicated group I have ever had the pleasure of working with. From the very beginning, they treated me and my family with genuine care, compassion, and respect. Kim consistently went above and beyond, always making herself available, answering every question, and advocating for us ev... Michael JWILLIAMSBURG, VA Jul 06
Kim and her team were, without a doubt, the most professional and dedicated group I have ever had the pleasure of working with. From the very beginning, they treated me and my family with genuine care, compassion, and respect. Kim consistently went above and beyond, always making herself available, answering every question, and advocating for us ev...
Rating: 5.0 out of 5.0 from Encompass Kim and her team made it easy Mark RNewport News, VA Jul 05
Kim and her team made it easy
Rating: 5.0 out of 5.0 from Encompass You could write: Kim made the home loan process smooth and stress-free from start to finish. She was always available to answer my questions, explained everything clearly, and kept me updated throughout the entire process. Her professionalism, responsiveness, and attention to detail made me feel confident every step of the way. I truly appreciate a... Tyrell FrancisNORFOLK, VA Jul 05
You could write: Kim made the home loan process smooth and stress-free from start to finish. She was always available to answer my questions, explained everything clearly, and kept me updated throughout the entire process. Her professionalism, responsiveness, and attention to detail made me feel confident every step of the way. I truly appreciate a...
Rating: 5.0 out of 5.0 from Encompass Kim, did an amazing job helping our mutual client, she thoroughly assisted with consistent communication and advise him on the documentation she needed to get him fully underwritten and ready for a purchase. Do the entire process she handed a professionally and I would highly recommend her to any and all who are seeking a knowledgeable loa... ERICWILLIAMSBURG, VA Jul 01
Kim, did an amazing job helping our mutual client, she thoroughly assisted with consistent communication and advise him on the documentation she needed to get him fully underwritten and ready for a purchase. Do the entire process she handed a professionally and I would highly recommend her to any and all who are seeking a knowledgeable loa...
Rating: 4.5 out of 5.0 from Encompass Kim, was easy to communicate with and always available BarbaraChesapeake, VA Jun 26
Kim, was easy to communicate with and always available
Rating: 4.8 out of 5.0 from Encompass Kim was exceptionally good about helping me when I didn't understand things, which was just about everything. She was nice too Catherine ElizabethCHESAPEAKE, VA Jun 24
Kim was exceptionally good about helping me when I didn't understand things, which was just about everything. She was nice too
Rating: 5.0 out of 5.0 from Encompass Kim Cress did an awesome job helping me buy my home! She secured a competitive rate for me and made the process seamless. Her responsiveness is unmatched, she was always available to answer questions and guide me through every step. Thank you, Kim! Shivon MarieNEWPORT NEWS, VA Jun 02
Kim Cress did an awesome job helping me buy my home! She secured a competitive rate for me and made the process seamless. Her responsiveness is unmatched, she was always available to answer questions and guide me through every step. Thank you, Kim!
Rating: 5.0 out of 5.0 from Encompass Kim is responsive and goes out of her way to help. KatrinaNEWPORT NEWS, VA Jun 01
Kim is responsive and goes out of her way to help.
Rating: 5.0 out of 5.0 from Encompass I appreacte the work and effrot of Kim and her team to help me thought the closing process. William ChanceWILLIAMSBURG, VA May 14
I appreacte the work and effrot of Kim and her team to help me thought the closing process.
Rating: 5.0 out of 5.0 from google I appreciate the effort Kim and her team made during the closing process. W riley7 May 06
I appreciate the effort Kim and her team made during the closing process.
Rating: 5.0 out of 5.0 from google Kim Kress is amazing! She very professional and knows her business. She gets the job done! Call Kim Kress today! James Beau May 05
Kim Kress is amazing! She very professional and knows her business. She gets the job done! Call Kim Kress today!
Rating: 5.0 out of 5.0 from Encompass KIm Kress! Kim made our whole experience amazing. Very professional. We were kept updated on every level of the process throughout the journey. Always very friendly and kind. She knows her business like the back of her hand. If there were any circumstances that we needed to address, Kim was always there to ensure that they were addressed promptly. ... JamesHAMPTON, VA May 04
KIm Kress! Kim made our whole experience amazing. Very professional. We were kept updated on every level of the process throughout the journey. Always very friendly and kind. She knows her business like the back of her hand. If there were any circumstances that we needed to address, Kim was always there to ensure that they were addressed promptly. ...
Rating: 5.0 out of 5.0 from Encompass Kim Cress is an asset to OVM!! Kim is very knowledgeable and experienced with the loan origination procsss. I will continue send my clients to a loan officer who knows how to get a deal closed!! M Adair MARCIA L.HAMPTON, VA May 02
Kim Cress is an asset to OVM!! Kim is very knowledgeable and experienced with the loan origination procsss. I will continue send my clients to a loan officer who knows how to get a deal closed!! M Adair
Rating: 5.0 out of 5.0 from google Kim was very professional, detail oriented and helpful throughout the entire process! We had our home in 30 days from offer to closing! diane m. smith Apr 29
Kim was very professional, detail oriented and helpful throughout the entire process! We had our home in 30 days from offer to closing!
Rating: 5.0 out of 5.0 from Encompass Kim was very open to answering any and all questions we had! ErikaCHESAPEAKE, VA Apr 24
Kim was very open to answering any and all questions we had!
Rating: 5.0 out of 5.0 from Encompass Handled a last-minute problem and kept us on track for closing. Appreciate you, Kim!!! LAINEWILLIAMSBURG, VA Apr 10
Handled a last-minute problem and kept us on track for closing. Appreciate you, Kim!!!
Rating: 5.0 out of 5.0 from Encompass Seamless process, highly recommend Kim! SheldonWILLIAMSBURG, VA Apr 10
Seamless process, highly recommend Kim!
Rating: 5.0 out of 5.0 from google She made this a seamless process, highly recommend Kim! sheldon bailey Apr 01
She made this a seamless process, highly recommend Kim!
Rating: 5.0 out of 5.0 from Encompass Our realtor Jereimiah Burns was very helpful in finding the home we wanted and needed. DwaynePORTSMOUTH, VA Mar 20
Our realtor Jereimiah Burns was very helpful in finding the home we wanted and needed.
Rating: 5.0 out of 5.0 from Encompass Easy Stress free Mark RobertWILLIAMSBURG, VA Mar 05
Easy Stress free
Rating: 5.0 out of 5.0 from Encompass Very Responsive! ETHELWILLIAMSBURG, VA Mar 02
Very Responsive!
Rating: 5.0 out of 5.0 from google Ms. Kim is a professional who knows exactly what she does. I really liked working with her; she puts 100% effort into getting the deal done. Modaser Sidiqi Feb 24
Ms. Kim is a professional who knows exactly what she does. I really liked working with her; she puts 100% effort into getting the deal done.
Rating: 5.0 out of 5.0 from Encompass Terrific sense of urgency, pleasant, professional, cooperative! This was the easiest home buying experience we've ever had (and we've purchased five other homes in our lifetime!) Definitely will recommend you and your company to anyone buying a home! Diane MayerosWILLIAMSBURG, VA Feb 19
Terrific sense of urgency, pleasant, professional, cooperative! This was the easiest home buying experience we've ever had (and we've purchased five other homes in our lifetime!) Definitely will recommend you and your company to anyone buying a home!
Rating: 5.0 out of 5.0 from google Great communication and everything was done in an efficent manner. Cant wait to do our next deal lightner enterprises Feb 17
Great communication and everything was done in an efficent manner. Cant wait to do our next deal
Rating: 5.0 out of 5.0 from Encompass Ms. Kim is a professional who knows exactly what she does. I really liked working with her; she puts 100% effort into getting the deal done. Mohammad ModaserNEWPORT NEWS, VA Jan 23