Now serving California

Homeownership
made real.

First-time buyer? Founder buying your first property? Investor scaling a portfolio? I'll walk you through every step — no jargon, no runaround. Just clear answers and a plan that fits your life.

Get Pre-Qualified See How It Works
NMLS #2009272
Equal Housing Lender
CA DRE #02087655

Why clients choose Kelvin

0

Families helped into homes

0

Average hours from application to pre-qualification

CA + Nationwide

Residential in California. Investor & commercial loans nationwide.

Kelvin Craver — Loan Officer
DRE #02087655
NMLS #2009272

Meet Kelvin

I've been where
you are right now.

Buying a home is one of the biggest decisions you'll ever make — and it shouldn't feel like you need a finance degree to understand it. That's where I come in.

I'm Kelvin Craver, a licensed loan officer based in California. I work with first-time buyers who feel overwhelmed, founders buying their first property after years of building, investors growing their portfolio, and families ready to upgrade. My job is to make the mortgage process feel simple, clear, and actually doable.

No confusing jargon. No pressure. Just straight answers and a plan that works for your situation.

First-Time Buyers Founders Real Estate Investors Refinancing Commercial Loans

What I Do

Loan programs for every situation.

Whether you're a first-time buyer, a founder cashing out equity, or scaling an investment portfolio — there's a program that fits. Let's find it together.

First-Time Homebuyer

FHA, conventional, and down payment assistance programs. You don't need 20% down — let me show you the real numbers.

Founder Homebuyer

Self-employed or startup income? Bank statement loans and non-QM programs designed for founders and entrepreneurs who don't fit the traditional W-2 box.

Investment Property

DSCR, fix-and-flip, and portfolio loans for investors. Build wealth through real estate with the right financing structure.

Refinancing

Rate-and-term, cash-out, or streamline. If there's a better deal available for your current mortgage, I'll find it.

Commercial Loans

Mixed-use, multi-family, and commercial financing — available nationwide. Larger deals, same personal service.

Not sure what you need?

No worries. A quick conversation is all it takes. I'll figure out the best fit — no commitment, no pressure.

Let's Talk

How It Works

From "thinking about it" to keys in hand.

The mortgage process doesn't have to be confusing. Here's exactly what happens, step by step.

1

Quick Conversation

We talk for 15 minutes. I learn your situation — income, goals, timeline. You learn exactly what's possible. No paperwork yet.

2

Get Pre-Qualified

Quick application, fast turnaround. You'll know your budget so you can shop with confidence. Sellers take you seriously.

3

Find Your Home

Work with your agent to find the right property. I'll review every offer to make sure the numbers work before you commit.

4

Loan Processing

I handle the paperwork, coordinate with underwriting, and keep you updated at every stage. No surprises.

5

Close & Get Your Keys

Sign the papers, get your keys, move in. I'll be there on closing day to make sure everything goes smooth.

Start Your Application

Takes about 10 minutes. No commitment required.

Let's Clear This Up

Things people get wrong about mortgages.

X

"You need 20% down to buy a home."

Reality: Many programs start at 3% down — some at 0%.

FHA loans require as little as 3.5%. VA loans offer 0% down for veterans. Down payment assistance programs exist in most California counties. Let's find what you actually qualify for.

X

"I'm self-employed / a founder — no bank will give me a mortgage."

Reality: Bank statement loans exist specifically for entrepreneurs and founders.

If you have 12-24 months of bank statements showing consistent deposits, you can qualify without traditional W-2s or tax returns. Thousands of founders buy homes every year.

X

"Bad credit means you can't buy a home."

Reality: FHA loans accept credit scores as low as 580.

And there are programs for even lower scores. Credit can be improved faster than most people think — sometimes in just 60 days with the right plan.

X

"The mortgage process takes months and is a nightmare."

Reality: Most loans close in 30 days or less.

With the right loan officer, the process is organized, transparent, and way less stressful than you've heard. I keep you in the loop at every step.

0

Families Helped

4.9★

Google Rating

30min

Avg. Response Time

98%

Close Rate

What Clients Say

Real people. Real closings.

★★★★★
"Kelvin made the whole thing feel easy. I went from 'I'll never be able to afford a house' to getting my keys in 45 days."

Marcus T.

First-time buyer, Los Angeles County

★★★★★
"As a founder, I thought getting a mortgage was impossible. Kelvin got me qualified with a bank statement loan in under two weeks. No one else even tried."

Priya S.

Startup founder, San Diego

★★★★★
"Third investment property with Kelvin. Every time, he finds the right program and closes on time. I won't use anyone else."

David & Lisa R.

Real estate investors, Orange County

Individual results may vary. Not a guarantee of loan approval or specific terms.

Questions

Frequently asked questions.

How long does the pre-qualification process take?
Most pre-qualifications are completed within 24 hours of submitting your application. In many cases, I can give you a preliminary answer on the same day we talk.
What documents do I need to apply?
For W-2 employees: recent pay stubs, two years of W-2s, two months of bank statements, and a valid ID. For self-employed/founders: 12-24 months of bank statements. I'll walk you through exactly what's needed for your situation.
Does checking my rate affect my credit score?
An initial conversation and pre-qualification estimate won't affect your score. A formal credit pull is only done with your permission when you're ready to move forward, and multiple mortgage inquiries within a 45-day window count as a single inquiry.
Do you work with buyers outside California?
Residential loans are currently available in California. For investment properties and commercial loans, I work with clients nationwide. If you're outside CA, let's talk — I may still be able to help or refer you to a trusted partner.
How much do your services cost?
There's no upfront cost to work with me. Loan officer compensation is built into the loan and disclosed transparently before closing. You'll see every fee before you sign anything. No surprises, no hidden costs.

Get Started

Ready to talk
about your options?

Drop me a message or apply directly. No commitment, no pressure — just a straight conversation about what's possible for you.

Apply Now — Takes 10 Minutes
(323) 886-7676 team@craveloans.com
Los Angeles, California
Connect on LinkedIn Follow on Instagram Follow on TikTok

No commitment. No pressure. We will never sell your information.

Call Apply Now