Buying a home begins here.

Docteur Kerold. The Mortgage Docteur.

10+ years in lending · First-time & credit-challenged specialist · Protégé of Les Brown · Mentored by Dr. John C. Maxwell

Talk to Doc Today Explore Loan Programs

Business Development MGR. · United Mortgage Corp. NMLS ID 1330 · Branch NMLS ID 2704570

Docteur Kerold, Business Development MGR.
United Mortgage Corp.

Loan Programs

Whatever your situation, there's a program for it.

Not sure which one fits? Start with your situation →

I

Buy a Home

First-Time Homebuyer Programs Minimal down payment, credit as low as 580+.

VA Loans for Veterans No down payment, no mortgage insurance.

2-1 Buydown Program 2% lower rate year one, 1% lower year two.

Renovation Loans Purchase + renovation in one loan.

II

Refinance

Rate-and-Term Refinance Lower your rate, adjust your terms, save.

Cash-Out Refinance Access equity, consolidate debt, fund goals.

Second Mortgage Up to $500,000 behind your current rate.

Reverse Mortgage For homeowners 62+, monthly payments optional.

III

Specialty & Non-QM

DSCR Investor Loans Qualify on the property's rent, not your income.

ITIN Loans Qualify with a Tax ID Number instead.

Bank Statement, P&L & VOE Loans Qualify with bank statements or a P&L.

IV

Down Payment Assistance

New York: SONYMA DPAL Forgivable NY down payment assistance loan.

New Jersey: NJHMFA DPA Forgivable after 5 years, no interest, no payments.

Pennsylvania: K-FIT 5% assistance, forgiven over 10 years.

FHA DPA (48 States) 600+ credit, no income limits, 48 states.

The Checkup

Which program fits you?

Answer two or three questions. Get programs matched to you.

Start the checkup Or just call Doc

Why Doc

He came here chasing the American Dream. Now he finances it.

Docteur Kerold arrived in the United States with a story shaped by hope and hardship. He has spent the decade since making sure other families get their turn, building his practice around the buyers most lenders find inconvenient: first-time buyers, the credit-challenged, and working families buying their first piece of America.

Read Doc's story → Life beyond the closing table →

01 Checkup A 15-minute conversation

02 Diagnosis Programs matched to you

03 Prescription We handle the paperwork

04 Closing Keys or savings, delivered

People Over Profit.

You can buy a home. We can help.

Doc values people over profit, even though the best things in life come with a fair price. Call to learn more about how these loan programs can help you qualify.

Call (917) 417-5189 Prefer email? kdocteur@unitedmortgage.com