Mortgage Group Powered by· NMLS# 2108504
Licensed in 33 States + DC & Puerto Rico · NMLS# 2108504

Home loans made straightforward, wherever home is.

Whether you're buying your first home, moving up, or refinancing, our loan officers across the country walk you through every step — clear numbers, real answers, no surprises at closing.

Talk to a Loan Officer Estimate My Payment
500+Families financed
15+Years of lending
4.9/5Average client rating

Get a Free Rate Quote

Tell us a bit about your loan and a loan officer will follow up within one business day.

Get My Free Quote
Loan Programs

A loan option for every stage of homeownership

From first purchase to cash-out refinance, we tailor the program to your goals and budget.

FH

Conventional

Competitive fixed and adjustable-rate options for buyers with strong credit.

FHA

FHA Loans

Low down payment options, ideal for first-time buyers.

VA

VA Loans

Zero-down financing for eligible veterans and active-duty service members.

RF

Refinancing

Lower your rate, shorten your term, or tap into home equity.

Meet the Team

Loan officers across the country

Wherever you're buying, an Icon loan officer handles your loan personally — no call centers, no hand-offs.

Ryan Kennedy, Profit Center Manager

Ryan Kennedy

Profit Center Manager
NMLS# 1434300

Leading Icon Mortgage Group from our Orlando headquarters — clear numbers, honest guidance, on-time closings.

AS

Amara Singh

Senior Loan Officer
NMLS# 000002

Specializes in first-time buyer and FHA programs.

DC

David Chen

Loan Officer
NMLS# 000003

Focused on VA loans and refinancing for military families.

Meet the Full Team
Where We Lend

Licensed in 33 states plus D.C. and Puerto Rico

Hover or tap a state to check availability. Orange means we can lend there today.

Hover or tap a state to see its status

Connecticut: mortgage broker only. No New York applications accepted. Programs and licensing vary by state.

How It Works

From application to keys in four steps

Most of our purchase loans close in 21–30 days. Here's what the process looks like.

1

Get pre-approved

Apply online in about 15 minutes. We verify your income, assets, and credit and issue a pre-approval letter — often the same day.

2

Shop with confidence

Make offers knowing exactly what you can spend. Sellers take pre-approved buyers seriously.

3

We handle underwriting

Once you're under contract, we order the appraisal and move your file through underwriting — keeping you updated at every milestone.

4

Clear to close

Review your final numbers ahead of time, sign at closing, and get your keys. No surprises on closing day.

Be Prepared

What you'll need to apply

Having these documents ready can shave days off your approval. Everything uploads securely through our online application.

  • ✓ Government-issued photo ID
  • ✓ Last 2 years of W-2s or tax returns (1099s if self-employed)
  • ✓ Pay stubs from the last 30 days
  • ✓ Last 2 months of bank statements
  • ✓ Current mortgage statement (if refinancing)
  • ✓ VA Certificate of Eligibility (for VA loans — we can help you get this)
Common Questions

Mortgage FAQs

How much do I need for a down payment?

It depends on the program: VA and USDA can be 0% down, FHA starts at 3.5%, and conventional loans start at 3% for qualified buyers. 20% down avoids mortgage insurance but is not required.

What credit score do I need?

Most conventional programs look for 620+, and FHA can work with scores as low as 580. If you're below that, we can map out the fastest path to qualifying.

Does getting pre-approved hurt my credit?

A pre-approval involves one credit inquiry, which typically affects your score by only a few points. Multiple mortgage inquiries within a short shopping window are usually counted as one.

How long does closing take?

Most of our purchase loans close in 21–30 days from contract, and refinances often faster. A complete document package up front is the biggest factor in closing quickly.

What will my monthly payment be?

Try our payment calculator for an estimate including taxes, insurance, and PMI — then talk to a loan officer for exact numbers based on today's rates.

Testimonials

What our clients say

★★★★★

"Ryan explained everything in plain English and got us to closing two weeks early."

— Rachel T., first-time buyer
★★★★★

"We refinanced and saved over $300 a month. The whole process took less than three weeks."

— Marcus P., homeowner
★★★★★

"As a veteran, I appreciated how well David knew the VA loan process."

— Sgt. Kevin O. (Ret.)

Ready to find out what you qualify for?

No obligation, no hard credit pull required for an initial quote.

Start My Application