Your home is more than a building. Let's finance it the right way.
At Kestrel Row Mortgage, we listen first and lend second. We work with you to understand your goals, timeline, and circumstances. Then we find a mortgage solution that fits your life, not the other way around.
Start Your Journey
Families and individuals trust us to guide them through one of life's biggest decisions.
- First-time homebuyers
- Home refinancing
- Investment properties
Partnering with lenders who share our values
Real stories from real people we've helped
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I have had the pleasure of doing business with McGowin-King Mortgage over the years. My fourth loan was just as easy and efficiently handled as the first one. Would highly recommend MKM.
Al Schlosser -
John McCabe and the team at McGowin-King Mortgage did an excellent job on our mortgage. We purchased a foreclosure and went with a very rare HUD incentive loan. They took this complicated process and got it done for us within our alloted contract terms. We couldn't be happier with our experience!!
Elizabeth Bazzel -
Working with McGowin-King made the process of buying our first home very smooth. Their team was responsive and supportive throughout, and I would definitely recommend them to anyone looking for a personalized home-buying experience.
Tyler Jones -
We are so glad we chose McGowin-King to help us with our first home buying experience. We had the pleasure of working with John McCabe. We had a lot of questions and John was readily available to answer them, even during odd hours. We won't ever hesitate to recommend this firm to our friends, family and co-workers. Thanks again!
Clinton Freyeisen
Find the right mortgage for your situation
We offer a range of loan products designed to serve different needs and circumstances. Each one comes with the same commitment to clarity, fair treatment, and personalized guidance. Let's talk about which option works best for you.
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Fixed-Rate Mortgages
Predictable payments for the life of your loan. Choose your term and lock in your rate, giving you stability and peace of mind for years to come.
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Adjustable-Rate Mortgages
Start with a lower initial rate that adjusts over time. This may suit your situation if you plan to move or refinance before rate changes take effect.
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Jumbo Mortgages
Finance higher-value properties with loan amounts that exceed conventional lending limits. We work with you to structure a program that fits your needs.
About Kestrel Row
We know this matters to you because it matters to us
Mortgages can feel complicated and overwhelming. Too many companies treat it like a transaction, pushing you toward the fastest close rather than the best outcome for your situation.
We do things differently. We start by listening. We ask about your plans, your concerns, your timeline. We explain each step in plain language. We answer your questions honestly, and we don't assume you know the jargon.
Our goal is to earn your trust and help you make a decision you feel confident about. That might mean a mortgage that takes slightly longer to close because we got it right. It means being honest about what works and what doesn't for your circumstances. It means showing up as people who genuinely care about your success, not just the approval.
Whether you're a first-time buyer nervous about the process, a growing family looking to upgrade, or a seasoned investor managing a portfolio, we meet you where you are. Our team combines deep lending knowledge with patience and respect for your situation.
A clear path from conversation to closing
The mortgage process doesn't have to feel like a mystery. We break it down into straightforward steps, keeping you informed and in control every step of the way.
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Let's Talk
Initial call
We start with a conversation about your goals, timeline, and circumstances. We explain your options and answer your questions. No pressure, no jargon.
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Get Pre-Qualified
1-2 business days
We gather the information we need to understand what's possible for your situation. This gives you clarity and confidence as you shop for homes.
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Find Your Home and Lock Your Offer
As needed
When you're ready to make an offer, we work with your real estate agent to ensure you have the right financing in place. We move quickly so you can compete with confidence.
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Formal Application and Processing
5-7 business days
We submit your full application and coordinate with appraisers, inspectors, and title companies. We keep you updated and gather any additional documents we need.
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Underwriting and Clear to Close
3-5 business days
Our underwriting team reviews everything to ensure we can deliver on our commitment. Once we clear any remaining items, you're ready to finalize.
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Closing
One closing day
You sign your final documents, fund the loan, and get the keys to your new home. We're available if you have questions right up until the end.