Your Home. Your Future.
Your Family.
With over 20 years of experience, I bring a deeply personal approach to home financing—because home is everything.
Meet Stephanie Kyles
With over 20 years of experience in the mortgage industry, I bring a deeply personal, strategic approach to home financing—walking alongside clients with clarity, care, and expert guidance.
Whether you’re buying your first home, refinancing after a life transition, or navigating a complex income scenario, I specialize in solutions that align with both your goals and your values.
But my story goes far beyond loan programs and credit scores.
I’m married to my best friend, Steve Kyles—a coach and industry leader in the mortgage space—and together we’ve built a life grounded in faith, family, and purpose. We’re raising three incredible kids: Ethan, Lucas, and Eliana, who keep us laughing, learning, and always on our toes.
This isn’t just a business to me. It’s personal. Because home is everything.
Family. Faith. Future.
When I’m not helping clients secure the right mortgage, you’ll find me on our little piece of heaven in Texas—caring for bees, chickens, horses, and gardens with my family.
Why Choose Stephanie Kyles
A boutique lending experience that’s both strategic and deeply personal.
20+ Years Experience
Trusted, top-producing mortgage professional with over two decades of industry expertise and integrity.
Tailored Loan Strategies
Thoughtfully designed solutions that align with your financial goals, lifestyle, and long-term vision.
Clear, Step-by-Step Guidance
We simplify the process, ensuring you feel confident and informed from application to closing.
Transparent Communication
You’ll never be left wondering what’s next. We’re proactive, responsive, and always a step ahead.
Creative Problem-Solving
Complex scenarios are our specialty. We find elegant solutions where others see roadblocks.
Lifelong Support
Our relationship doesn’t end at closing. We’re here for your next chapter—and the one after that.
Mortgage Solutions
I offer a comprehensive range of mortgage products to meet your unique financial situation and homeownership goals.
Conventional Loans
Ideal for primary residences, second homes, and investment properties
VA Loans
Available to eligible veterans and service members
USDA Loans
Available for eligible rural and suburban properties
Jumbo Loans
Finance high-value properties above conventional loan limits
New Construction Loans
Finance the construction of your dream home
Condo Loans
Designed specifically for condominium purchases and ownership
High Balance Mortgage Loans
Properties that surpass the annual loan limits established by the FHFA
FHA Loans
Great for first-time homebuyers with insufficient down payment
Fannie Mae HomeReady
Designed for individuals with low-to-moderate incomes
Reverse Mortgages
Available to homeowners age 62 and older
Down Payment Assistance
May include grants, forgivable loans, or second mortgages
The Pre-Approval Process
Whether you’re purchasing your first home or your fifth, the pre-approval process should feel seamless and empowering.
Initial Discovery
We begin with a brief call or online form to understand your goals, income structure, and timeline.
Document Collection
You’ll upload key documents through a secure portal at your convenience.
Clear, Step-by-Step Guidance
We simplify the process, ensuring you feel confident and informed from application to closing.
Creative Problem-Solving
Complex scenarios are our specialty. We find elegant solutions where others see roadblocks.
Lifelong Support
Our relationship doesn’t end at closing. We’re here for your next chapter—and the one after that.
FAQs
Whether you’re purchasing your first home or your fifth, the pre-approval process should feel seamless and empowering.
How do I know when it’s the right time to buy a home?
Timing isn’t just about the market—it’s about your life. If you’re financially prepared, have stable income, and are looking for a place to plant roots or invest in your future, it may be the right time. I’ll help you evaluate your readiness from both a financial and personal lens so you can move forward with clarity and confidence.
Why should I get my mortgage through you?
With over 20 years of experience, I offer a high-touch, concierge-style lending experience that blends strategic expertise with personal connection. I don’t just process loans—I guide people. Every client receives a tailored approach, prompt communication, and ongoing support long after closing. You’ll never feel like a number here—because you’re not.
What’s the difference between pre-qualification and pre-approval?
Pre-qualification provides a quick estimate based on information you provide. Pre-approval is more thorough—we review documents, verify credit, and issue a formal letter. This gives you a true sense of your buying power and strengthens your offer in a competitive market.
What is a Loan Estimate?
A Loan Estimate is a three-page summary of your loan terms, expected monthly payments, and closing costs. It’s designed to help you understand and compare loan offers—and I’ll personally walk you through every section so there are no surprises.
What does it mean to “lock” your interest rate?
Locking your rate protects you from market changes while your loan is in process. It’s a tool we use to secure your interest rate for a fixed period—typically 15 to 60 days—giving you peace of mind as you prepare for closing.
What are mortgage points?
Points are a way to lower your interest rate by paying upfront. One point equals 1% of the loan amount. It’s a smart option for buyers planning to stay in their home long-term and wanting to reduce interest costs over time.
What qualifies as a conforming loan?
Conforming loans meet the loan limits and standards set by Fannie Mae and Freddie Mac. Because of their predictability and government backing, they often come with lower rates and smoother processing.
What is a fully documented loan?
This is a traditional loan type where we verify your income, employment, assets, and credit using official documentation. It’s the standard for most borrowers and often results in more favorable loan terms.
When should I consider refinancing?
Refinancing might be right if interest rates have dropped, your credit has improved, or you want to lower your monthly payment, pay off your mortgage faster, or tap into your home’s equity. I’ll help you weigh the pros and cons to ensure it’s the right move for your goals.
What is a jumbo mortgage?
A jumbo loan is used to finance high-value properties that exceed conventional loan limits. These loans often require more documentation and financial reserves—but we specialize in making the process feel simple, seamless, and secure.
Get in Touch
Have questions or ready to start your mortgage journey?
What My Clients Say
Don’t just take my word for it. Here’s what my clients have to say about their experience.
Ready to Start Your Journey Home?
Let’s work together to find the perfect mortgage solution for your unique situation. Your dream home is waiting.
