Senior Loan Officer · NMLS #1876643
Purchase, refinance, investment and alternative-income mortgage solutions with Keon Hite.
Awards & recognition
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Where to begin
Purchase financing for primary residences, second homes and investment properties.
Explore02Review whether a different loan structure may suit your current situation and plans.
Explore03Financing approaches built around rental property cash flow and portfolio growth.
Explore04Understand the ways homeowners may be able to borrow against accumulated equity.
ExploreNot every borrower fits inside the same box
Mortgage qualification can potentially use different documentation depending on the loan program and borrower circumstances. The programs below review other forms of documentation — speak with Keon to determine available programs.
A potential qualification method that reviews approximately 12 months of bank statements as documentation.
Learn how it worksDesigned around rental-property cash flow relative to the mortgage obligation. May be an option for investors.
Learn how it worksUses qualifying assets as part of the income qualification process. May be an option for asset-rich borrowers.
Learn how it worksQualification using eligible 1099 documentation. A potential path for contractors and commission earners.
Learn how it worksPotential qualification using eligible profit-and-loss documentation prepared for your business.
Learn how it worksProgram structure
Traditional financing
Alternative qualification
Program availability, terms and qualification depend on individual circumstances and are subject to applicable underwriting and program requirements.
Real estate investors
Investment property financing, DSCR programs, rental-income qualification and cash-out refinancing — considered as part of how you intend to grow a portfolio, not just close a single deal.
For the self-employed
Business owners, entrepreneurs, independent contractors and other borrowers may have mortgage options beyond traditional W-2 documentation. The question is which documentation a program reviews — not whether your income is conventional.
Approximately 12 months may be used as documentation.
Learn how it worksQualification using eligible 1099 documentation.
Learn how it worksPotential qualification using eligible P&L documentation.
Learn how it worksQualifying assets used as part of income qualification.
Learn how it worksFor homeowners
A revolving line secured by your home. Supplied product information states a $25,000 minimum.
Learn how it worksA second loan secured by your home, drawn as one amount. Supplied product information states a $25,000 minimum.
Learn how it worksReplaces your existing mortgage with a new one, with the difference taken as cash.
Learn how it worksThe supplied product information states a $25,000 minimum for Home Equity Lines of Credit and Home Equity Loans. Terms, availability and qualification depend upon individual circumstances and applicable lending guidelines.
Purchase
Down-payment requirements can vary depending on loan program, credit profile and other underwriting criteria. Keon explains what applies to the program you are actually considering.
Purchase optionsRefinance
Whether either structure suits you depends on your existing loan, your goals and applicable underwriting and program requirements.
Refinance optionsA short conversation
Four questions. No credit pull, no application — just a clearer starting point for the conversation.
About Keon
Keon Hite is a Senior Loan Officer who spends most of his time doing something simple and rare: explaining mortgage financing clearly. He helps clients understand the options in front of them, what each program actually reviews, and how the pieces fit their circumstances — then guides them through the process from there.
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Meet KeonIn their words
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How it works
Start with the goal, not the paperwork. A short conversation covers more than a form ever could.
Keon walks through the programs that may fit your situation and what documentation each one looks at.
Income, assets, property type and timing all shape which programs may be available to you.
When you're ready, Keon guides you through each step and what to expect next.
Resources
Estimate monthly principal and interest for a scenario you enter yourself.
How the purchase process typically unfolds, in plain language.
Cash-out and rate-and-term refinancing explained without the jargon.
Straight answers to the questions borrowers ask most often.
A glossary of the terms you'll hear during the mortgage process.
Notes on financing strategy for self-employed borrowers and investors.
Questions
Beyond conventional financing, self-employed borrowers may have access to programs that review documentation other than W-2s — such as bank statements, 1099s, profit-and-loss statements or qualifying assets. Availability depends on the program and your circumstances, so speak with Keon to determine which programs may apply.
Next step
Talk with Keon about what you're trying to accomplish and explore the mortgage options that may fit your situation.
