Kevin Son

Mortgage Loan Officer, Residential Mortgage

NMLS #1415238

Financing your home is one of the most important financial choices you will face. As a Loan Officer, I am here to help you make an informed decision that works for you.

Whether you are a first-time buyer or a long-time homeowner, I want to create the right mortgage solution for your unique needs. That means taking your current situation and your future plans into account. I will also be a reliable guide throughout the loan process, working to make each step simple and efficient.

I have been with KeyPoint since 2011, joining the real estate lending team in 2015. I am dedicated to helping our Members succeed.

Thank you for your interest in KeyPoint’s services. I hope to assist you soon.

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What People Are Saying

“KeyPoint made the process very easy for me especially as a first-time homebuyer. Kevin answered all my questions very patiently.”
Seema V.

“Excellent process and I am very satisfied with the support I received. No improvement needed. The process was super smooth and easy for us. Our mortgage officer, Kevin Son, helped us every step of the way to make it a seamless experience. We would like to express our gratitude to Kevin and his team team at KeyPoint for going above and beyond during the process. You rock Kevin!!”
Anshuman S.

“Kevin was timely and knowledgeable.”
Ashwini P.

“Kevin went above and beyond for us, and made the process crystal clear. We couldn’t ask for a better mortgage officer to work with. ”
Kfir L.

“Kevin, Catherine, and the rest of the KeyPoint team were such a pleasure to work with throughout our loan process! The team worked quickly and efficiently, and were very responsive to all our questions. I was very impressed by how quickly they moved and how in sync they were working together. Amber was also very friendly and helpful in setting up our checking account to move forward with the mortgage loan process. We're very grateful for everyone helping us throughout this process and delivering a seamless experience! Great and thorough communication, efficiency, overall wonderful experience! ”
Michelle W.

“The overall loan process with Kevin was very easy to understand. He was always there to answer all my questions and guide me throughout the process.”
Vivek B.

“My loan officer Kevin Son is almost 100% of the reason. He was SUPER FAST, was always available and responded quickly over email or phone, any time of the day, including weekends. My buyer's agent, my seller's agent and I all feel strongly about how awesome Kevin Son was in selling KeyPoint's product, and following through all the way to closing on time.”
Sumit M.

“Kevin was great to work with. He was prompt, informative, and patient. ”
Jennifer L.

“Kevin and his team helped us through the process with the least amount of effort from our side. They worked in the background trying to close the loan as quickly as possible. The fact that he called me from the airport while he was on his personal time just to clear a small question I had was amazing. He showed that we mattered and are not just another number on his screen. I would definitely refer his contact to my friends in need of refinancing. ”
Nilesh S.

“Great professionalism and support from knowledgeable staff. ”
Bessie G.

Fixed Rate Mortgages
Adjustable Rate Mortgages

Fixed rate mortgages are popular loans because your payment will not change since the rate will never change.

This "traditional" loan maintains its original interest rate throughout the entire life of the loan. Your monthly loan payments may change if there are insurance or tax impounds that increase. But fluctuations in market rates over the term of your loan won't have any impact on the amount of interest you pay because the rate is "fixed." A fixed rate mortgage loan may be a good choice if:

You want the security of knowing your interest rate will not change, nor will your monthly payment, unless property tax and insurance amounts change
You plan to stay in this home for several years
You don't expect your income to increase significantly in the coming years

Fixed rate mortgage loans come in various terms, such as 10, 15, 20 or 30 years. In determining the length of your loan, you may want to consider:

Total amount of interest you want to pay over the course of your loan
- For example, the total cost of a 30-year loan in terms of interest paid is higher than the interest paid on a 10, 15, or 20-year loan. But with a 30-year loan, you get lower monthly payments due to the longer loan term.
- With a 15-year loan, you have the advantage of repaying the loan more quickly with higher monthly loan payments.
Your ability to afford a high monthly payment
- If you can afford to pay more per month, you can reduce the number of months you have to pay. Also, choosing a 15-year term will save you thousands in interest charges vs. the typical 30 year term.

Another option to decrease the amount of interest is to get a 30-year loan, so you don't lock yourself into higher monthly payments, but pay a little "extra" each month towards the principal whenever you can afford to do so.

Adjustable Rate Mortgages (ARMs) offer a lower starting interest rate, and therefore a lower monthly payment. Your rate and your payment may increase over time. ARMs are useful loans for a variety of circumstances.

An Adjustable Rate Mortgage may be a good choice if:

You want to maximize your buying power
You want to keep your payments lower during the initial period of your loan
You plan to move or sell the home within the next 10 years
You plan to pay-off your mortgage within the next 10 years
You expect your income to increase significantly in the coming years

Advantages

Allows for higher loan amount qualification and enhanced buying power

Disadvantages

It can be riskier if you don't expect your income to increase over the initial introductory rate period to cover the changes in monthly payment
Interest rate can rise above the current fixed rate over time

Kevin Son

Mortgage Loan Officer, Residential Mortgage

Advantages

Disadvantages

Get Prequalified with Kevin Son