The scale of a national lender. The attention of one loan officer.
Ben Kennedy leads The Ben Kennedy Team at E Mortgage Capital — a lender funding over half a billion dollars in home loans every month. Your file is handled start to finish by the same person who takes your first call.
#1697699
He'll reach out shortly to run your exact numbers. Want to move even faster? Start the secure application now — it takes about 10 minutes.
By submitting you agree Ben Kennedy / E Mortgage Capital may contact you by phone, text or email about your inquiry. No obligation, no credit pull at this step. Reply STOP to opt out of texts.
What is your current rate costing you?
Slide to your numbers. The math updates against the rates Ben is quoting today.
Estimates only — principal & interest on a 30-yr term, excludes taxes/insurance/MI. Not a rate quote or commitment to lend. Your rate depends on qualifications.
What can I afford?
A quick estimate based on today's conventional rate. Ben will give you an exact pre-approval.
Estimate only — assumes ~43% DTI and taxes/insurance. Not a pre-approval or commitment to lend.
Recently funded
Real homes. Real closings. All loan types.
Every major loan program, under one roof.
Most loan officers work one lane. Ben's practice covers the full spectrum — conventional or government-backed, W-2 or self-employed, first home or fifteenth — so the recommendation fits you, not the product list.
From hello to keys — in three simple steps.
FHA & VA, handled by a specialist.
A large share of Ben's monthly production is FHA and VA — including streamline refinances designed to lower your payment with far less paperwork than a standard refi.
We're honored to serve those who served our country.
Your VA home-loan benefit is one of the most powerful in the country — and Ben handles VA lending personally, from Certificate of Eligibility to keys in hand. No call center, no runaround.
by the numbers
*IRRRL appraisal waiver applies in most cases; subject to VA and lender guidelines. VA funding fee may apply. Not a commitment to lend.
The loan officer who picks up the phone.
Ben Kennedy is a Branch Manager at E Mortgage Capital and leads The Ben Kennedy Team. Licensed in 14 states, he's closed everything from straightforward first-time purchases to bank-statement Non-QM deals, VA IRRRLs, FHA Streamlines, HELOCs and HELOANs — the full spectrum.
His approach is simple: run your real numbers, tell you the truth about what makes sense, and stay reachable from application to closing. No call centers, no hand-offs.
Realtors — let's get your buyers to the closing table.
Fast pre-approvals, honest answers, co-branded marketing, and a lender who actually picks up the phone. Ben closes on time so you close more.
Licensed & ready to lend in 14 states
★ 14 STATESBenjamin Kennedy · NMLS #1697699 · Verify at NMLS Consumer Access ↗
The Ben Kennedy Team · Ben Kennedy Home Loans
E Mortgage Capital, Inc. · NMLS ID #1416824 · Corporate: 3750 S Susan Street, Santa Ana CA 92704 · NMLS Consumer Access · Equal Housing Lender ⌂
This is not a commitment to lend. All loans subject to credit approval, income/asset verification, appraisal where applicable, and program guidelines. Rates and terms subject to change without notice. Benjamin Kennedy NMLS #1697699, licensed in AZ, CA, FL, KS, KY, MO, NH, OK, OR, PA, TN, TX, UT, VA.
© Ben Kennedy Home Loans
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