Kenny Hawthorne

Licensed Home Loan Professional

Licensed Home Loan Professional specializing in helping homebuyer's, retirees and real estate investors.

Kenny Hawthorne

Title: Co-Founder & Partner, K2-Financial, LLC

Professional Profile: Kenny Hawthorne is a Co-Founder and Partner at K2-Financial, LLC, bringing years of experience in organizational leadership and Marketing expertise. Kenny joins Kenneth Kennedy as a leading expert in Retirement Home Loans as well as Investment and Government-insured Home Loans, including

FHA (Federal Housing Association)
USDA (United States Department of Agriculture) home loans and
VA (Veterans Administration) home loans;
Asset-Based Loans: Allow borrowers to qualify based on their assets rather than traditional income verification.
Interest-Only Loans: Enable borrowers to pay only interest for a set period, lowering initial payments.
Jumbo Loans: For high-value properties that exceed conforming loan limits, often with flexible underwriting.
No-Doc Loans: Require minimal documentation, appealing to those with non-traditional income sources.

The K2 Difference: Together with Ken Kennedy, Kenny established K2-Financial to provide a boutique, high-touch alternative to large-scale corporate lending organizations. By focusing on deep client relationships, a committment to help people achieve home ownership, even when their financial history doesn't perfectly match the litnus test employed by most traditional lending organizations. K2 - obviopusly representing Kenny and Ken, represents our committment to old-style service - the kind of service that was routinely practiced by our business mentors and the business community at large when we began in business more than 40 years ago.Title: Co-Founder & Partner, K2-Financial, LLC

IF YOU HAVE ANY QUESTIONS, PLEASE CONTACT ME:

(903) 235-3637

KENK@K2-FINANCIAL.COM

Schedule a Consultation

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KENNETH

KENNEDY

"As an experienced and highly-skilled, licensed home loan professional, NMLS #1627908, my goal is to provide the best customer service possible along with knowledgeable, unbiased advice. By focusing on specialized products like non-QM DSCR for investors and Home Equity Conversion Mortgages (HECM) for retirees, I am able to offer tailored strategies that help my clients achieve their homeownership, retirement and financial goals."

Home Loan Options

Finding a great home loan involves careful consideration of your needs, finances and history.

I'm here to guide you every step of the way.

FIXED RATE

If you plan to stay in your home for the long term, a consistent payment that never changes can help you prepare for your financial future. Plan your budget with a consistent mortgage payment at a low rate that will stay the same through the life of your loan.

FHA

FHA loans are mortgages backed by the U.S. Federal Housing Administration. Lenders, such as banks and credit unions, that provide FHA loans provide funding for home purchases while requiring a lower down payment. Buyers may get into a new home with as little as 3.5% down.

USDA

The United States Department of Agriculture, USDA, administers the program but does not actually loan money. Similar to loans backed by the Department of Veterans Affairs, VA, or Federal Housing Administration, FHA, these loans are guaranteed by the USDA.

VA

VA loans are available and provide the buyer the chance to finance 100% of the purchase price of the home. This means no down payment is required. It is important to note that buyers will still need to qualify for the loan.

DSCR

A DSCR (Debt Service Coverage Ratio) loan is a type of non-QM mortgage designed specifically for real estate investors that qualifies them based on the cash flow of the property rather than more traditional forms of documentation. DSCR loans are an ideal solution for investors who want to scale their portfolios quickly without the strict documentation requirements of traditional financing.

REFINANCE

Ready to pay less in interest on your mortgage and lower your monthly payments? A refinance may be the right step for you. A mortgage refinance is the replacement of an existing mortgage with another mortgage under different terms. Mortgage refinancing can lower your monthly payments, which can add up to significant savings.

CASH-OUT REFINANCE

Ready to pay less in interest on your mortgage and lower your monthly payments? A refinance may be the right step for you. A mortgage refinance is the replacement of an existing mortgage with another mortgage under different terms. Mortgage refinancing can lower your monthly payments, which can add up to significant savings.

REVERSE MORTGAGE

Ready to pay less in interest on your mortgage and lower your monthly payments? A refinance may be the right step for you. A mortgage refinance is the replacement of an existing mortgage with another mortgage under different terms. Mortgage refinancing can lower your monthly payments, which can add up to significant savings.

This material is not provided by, nor was it approved by the Department of Housing & Urban Development (HUD) or by the Federal Housing Administration (FHA). It is not intended to be a substitute for legal, tax or financial advice. Consult with a qualified attorney, accountant or financial advisor for additional legal or tax advice.

*There are some circumstances that will cause the loan to mature and the balance to become due and payable. The borrower(s) must continue to pay for property taxes and insurance and maintain the property to meet HUD standards or risk default. Credit is subject to age, minimum income guidelines, credit history, and property qualifications. Program rates, fees, terms and conditions are not available in all states and subject to change.

Licensed Home Loan Professional

Ken Kennedy

NMLS #1627908

Direct: 903-235-3637

kenk@k2-financial.com

Branch Office 605 S Orchid Drive White Oak, TX 75693

This licensee is performing acts for which a mortgage company license is required. OC Home Loans, Inc., is licensed by the Texas Department of Savings and Mortgage Lending; the Tennessee Department of Financial Institutions; and the Alabama State Banking Department: NMLS: 1842513. A Home Loan approval is not guaranteed and is subject to lender review and verification of information. All Home Loan approvals are conditional and all conditions must be met by borrower(s). A Home Loan is only approved when lender has issued a specific approval in writing and is subject to any and all Lender conditions. Specific programs or specific interest rates may not be available to all borrowers. Interest rates are subject to change with market conditions. K2-Financial, LLC is an Equal Opportunity Mortgage Broker/Lender. The services referred to herein are not available to persons located outside the states of Texas, Tennessee or Alabama.
Corporate Address: 24302 Del Prado Suite B Dana Point, California 92629
Complaint/Recovery Fund Notice: (https://www.sml.texas.gov/wp-content/uploads/2021/07/rmlo_80_200_b_recovery_fund_notice.pdf)