KD The Broker is the brand of Kevin Dull (NMLS #903538), a Senior Mortgage Loan Originator with Edge Home Finance, LLC (NMLS #891464). Kevin is based in Central Ohio, has originated mortgages since 2012, has closed 550+ loans totaling more than $132 million, holds a Family Financial Planning degree from Ohio State, and is an Eagle Scout.
How does owning a home build wealth?
Homeownership builds wealth two ways: each mortgage payment pays down principal (equity you keep), and appreciation grows the value of the entire home, not just your down payment. According to the Federal Reserve's 2022 Survey of Consumer Finances, the median homeowner's net worth ($396,000) was about 38 times the median renter's ($10,400). Many families then use home equity to buy rental property and pass real estate down to the next generation.
What makes a mortgage broker better than going straight to a bank?
A bank can only offer its own products at its own rates. Working in the wholesale channel through Edge Home Finance, LLC, Kevin shops 150+ lenders at once, so lenders compete for your loan. That competition can mean sharper pricing and more program options for you.
Is using a mortgage broker more expensive?
Not necessarily. Broker compensation is disclosed up front on your Loan Estimate and is often paid by the lender. Because brokers access wholesale pricing, the all-in cost is frequently competitive with or lower than retail lenders. Kevin shows you the full breakdown so you can compare.
What states does Kevin Dull lend in?
Kevin is personally licensed in 15 states: Ohio, Alabama, Arizona, California, Colorado, Florida, Georgia, Kansas, Michigan, New Hampshire, Nevada, Oregon, Tennessee, Virginia, and Washington. Through Edge Home Finance, LLC, financing is available in 49 states (every state except New York). He is based in Central Ohio and serves the entire Columbus metro.
What is UWM and why does it matter?
United Wholesale Mortgage (UWM) is one of the largest mortgage lenders in the country, and it works only through independent mortgage brokers. You cannot get a UWM loan directly from UWM. Through Edge Home Finance, LLC, Kevin can price your loan with UWM alongside 150+ other wholesale lenders.
How fast can I get pre-approved?
Same day in most cases, including many weekend requests. In a competitive market, that speed can be the difference between winning the house and losing it.
Does shopping for a mortgage rate hurt my credit?
Talking through your options, running scenarios, and getting estimates does not affect your credit. When it is time for a credit check, Kevin will tell you first. Credit scoring models generally treat multiple mortgage inquiries within a short shopping window as a single inquiry.
I'm self-employed. Can I still qualify for a mortgage?
Yes. Options include 12 or 24-month bank statement programs (personal or business), 1099-only qualification, P&L statement programs, and asset depletion. Many of these do not require tax returns.
Can veterans use their VA loan benefit more than once?
Yes. VA entitlement is restored once a VA loan is paid off, and in some cases you can have two VA loans at the same time. Kevin will pull your Certificate of Eligibility and show you exactly what is available.
Should I choose a HELOC or a cash-out refinance?
A cash-out refinance replaces your whole mortgage with a larger one. A HELOC sits behind your existing mortgage, so you keep your current first-mortgage rate. The right choice depends on your current rate, how much you need, and when you need it. Kevin will model both.
What is a DSCR loan?
A Debt Service Coverage Ratio (DSCR) loan is an investor loan that qualifies based on the property's rental income compared to its payment (PITIA), not your personal income, tax returns, or employment.
What is a Strike Rate alert?
A Strike Rate is the interest rate you're hoping to get. Kevin tracks live mortgage-bond pricing all day through his MBS Highway membership, and when the market moves to a level where your target looks achievable, he reaches out so you can decide whether to lock. A Strike Rate alert is informational, not a rate lock or a guarantee.
Can Kevin tell me what my home is worth?
Yes. Kevin can run a free HouseCanary property report with an estimated value range, recent comparable sales and neighborhood market trends, then walk you through your equity and options such as refinancing, a HELOC or moving up. A property report is an automated estimate, not an appraisal.
What is Realtor Buddy?
Realtor Buddy 2.0 is an AI-powered assistant for real estate agents, available through Edge Home Finance, LLC loan originators like Kevin. It helps agents analyze offers, prepare for appraisal reconsiderations, write listing and marketing content, plan lead follow-up, practice objection handling and get quick answers to common financing questions.
Let's find out
Why not get the rate you actually deserve?
One conversation is free and fast. Let's see what 150+ lenders can do for you.
Move to the broker channel with KD The Broker and a growing team of top originators at Edge Home Finance, LLC. 150+ wholesale lenders, a brand of your own, and a confidential conversation first.
