Kaci Hunter
Loan Officer
NMLS#
2360941
Branch Address
323 W. Northwest Highway., Grapevine, TX 76051
Phone
Office: 469-775-9770
Social
Kaci Hunter is a former math and science teacher who joined the mortgage industry as a loan originator in 2022. Taking on a new career, she pulled from her teaching background and applied this to herself. She quickly learned the ins and outs of mortgage lending and hit the ground running.
Although she is familiar with all types of loan products, like USDA RD, FHA, VA, Conventional and Jumbo loans and is able to help any type of borrower, she is particularly drawn to helping those going through a divorce.
Kaci became a certified divorce lending professional in December 2022. As a certified divorce lending professional, (CDLP) through the Divorce Lending Association, she can answer the questions many divorcing homeowners have, such as: How can I keep my house? What if my soon-to-be ex and I disagree about the mortgage? Can I use spousal/child support payments to qualify for a new loan? How do I get my spouse off the mortgage? Kaci works closely with her clients to identify potential concerns and can bridge the gap between divorce, tax rules and mortgage finance strategies.
Earning a Bachelor of Science degree in Interdisciplinary Studies at Texas A & M University, and a master’s degree in education leadership from Texas Tech University, Kaci is forever a teacher at heart. In fact, she now offers training at Texas Tech University and McNeese State University in Louisiana to potential first-time homebuyers on how to successfully purchase a home. She also educates and guides her clients throughout the mortgage process to help them to make informed decisions regarding their financial and homeownership goals.
Kaci has quickly built a reputation for providing an honest, straight-forward approach to mortgage lending. She really gets to know her clients and their situation and provides customized solutions. She is proud of the fact that she can close on loans that seem challenging to complete. She is committed to providing a high level of service that puts clients at ease, whether they are purchasing a home for the first-time or going through a buy-out during the divorce process.
When she’s not in the hustle and bustle of everyday life, she enjoys hiking, kayaking, watching college football, catching a concert, or being curled up with a good book. Although she helps clients all over the states of Texas and Florida, Texas Hill Country where she raised her four kids and currently resides.
If you are starting your homeownership journey for the first time, or are going through the challenges of a divorce, and would like to work with someone who takes the time answer your questions and provide guidance at every step of the way, Kaci Hunter is the loan officer for you!
I am here to serve you and to tailor a loan that meets your needs.
Mortgage Programs Explained
There is no one-size-fits-all when it comes to mortgage lending. MiMutual has numerous loan options to fit every budget and situation. At MiMutual Mortgage, you can expect a one-on-one consultation to determine the right loan program for your unique situation.
A Conventional loan is a mortgage not guaranteed by the government. However, most conventional loans will follow the guidelines established by Fannie Mae (FNMA) and Freddie Mac (FHLMC). This type of loan is good for borrowers with a favorable credit score and allows more flexibility in loan terms and higher loan limits.
Unlike FHA, VA or RD loans, conventional loans do not require private mortgage insurance (PMI) unless the borrower has less than 20% down. 20% down however, is not a requirement and some conventional loans allow as little as 3% down! Once the loan reaches 20% equity, PMI can be canceled.
In addition to standard conventional loan programs, MiMutual Mortgage also offers the following niche conventional loan programs:
- Fannie Mae HomeReady
- Freddie Mac Home Possible
- Freddie Mac HomeOne
- Freddie Mac Refi Possible
Government loans are backed by the federal government. The loan is funded or originated by the mortgage company, but has a guarantee from either the Federal Housing Administration (FHA), USDA Rural Development (RD), or US Dept of Veterans Affairs (VA).
Government loans open the door for borrowers that have little to no money saved for a down payment, a challenging credit history or have lower credit scores. Government loans offer easier qualifying requirements and are widely used in the industry.
Government-insured loans can be used for purchase, renovation (through the FHA 203(k) loan), or refinance transactions.
Government loan programs include:
- Federal Housing Administration (FHA)
- USDA Rural Development (RD)
- Veterans Affairs (VA)
The Federal Housing Finance Agency (FHFA) sets a limit on the dollar amount a conventional loan must conform to. Any loans beyond this limit are known as a Jumbo loan. With a Jumbo Loan from MiMutual, you can expand your options and find your dream home that will meet your needs now and in the future.
MiMutual Mortgage offers a number of Jumbo Mortgage Programs to fit a variety of situations. These include Purchase loans, Asset-Qualifier, Rate and Term and Cash-Out Refinance loans.
Highlights include:
- As little as 10% down
- Loan amounts up to $4 Million
- Primary residence, second homes, and investment properties are eligible
Don’t have much saved for a down payment?
We can help with that!
Down Payment Assistance (DPA) can:
- Reduce out of packet cash to close
- Put cash savings to work by improving the home and growing equity
- Free up cash to pay down student loan debt or other bills
- Save cash to start investing for the future
MiMutual Mortgage offers a number of down payment assistance programs including:
- Chenoa Fund DPA for FHA financing
- The National DPA for Conventional financing
- State Housing Finance Authority DPA and MCC
MiMutual Mortgage is a Renovation Loan specialist. We were even featured on the Lifetime Network “Designing Spaces” home design television show! With a Renovation loan, you can bundle the cost of purchasing or refinancing with the cost of renovation into one single loan!
MiMutual Mortgage offers the FHA 203k and Conventional HomeStyle renovation loans. These allow for the same qualifying factors as a traditional FHA or Conventional loan with the ability to lend up to the estimated after-improved value of the home!
Eligible renovations include:
- Small repairs with a minimum renovation cost of $5,000
- Kitchen remodels including appliances
- New roof
- Additions
- New flooring
- Instillation of an in-ground pool
Still not finding what you are looking for?
MiMutual Mortgage has a number of unique loan programs including:
- Qualifying on assets without income
- Real Estate Investor programs including DSCR
- Self-Employed financing options
- Bank statement qualifying
Start Your Mortgage Journey
You are about to begin the mortgage loan application
- Applying on the MiMutual Mortgage Online Loan Application is quick, easy, and secure! The loan application will take about 25 minutes to complete.
- Once your application is submitted, you can log back into the MiMutual Mortgage Online Loan Application to securely upload requested documents, view your loan status, and communicate with your mortgage team.
- If you have questions, reach out to your MiMutual Mortgage Loan Officer.
Your guided mortgage journey starts here!
Start Application