kc-mortgage-duo-house-outdoor

Conventional Loans

Conventional loans, also known as conforming loans are the most popular type of mortgage and are backed by Fannie Mae and Freddie Mac, two government sponsored enterprises that support this type of financing. 

FHA Loans

FHA loans are mortgages that are insured by the Federal Housing Administration and are a great option for applicants who have less than perfect credit, higher debt-to-income ratios or smaller down payments. 

Refinancing

Refinancing

The KC Mortgage Duo are refinancing experts who can guide you through the sometimes, confusing process, advising on the best program to meet both your long and short-term goals. 

exterior-house-for-refinance-kc-mortgage-duo

VA Loans

Veterans and active duty receive incredible benefits from a VA Home Loans. VA loans are mortgages that are insured by the Veterans Administration and available to active duty, veterans, and their spouses. 

house-with-pool

USDA Loans

USDA loans are mortgages that are insured by the US Department of Agriculture and focus on properties located in rural areas. 

modern-home-refinance-kansas-city-mo

Renovation Loans

Renovation loans allow for the homeowner or buyer to upgrade or repair a property within one loan. 

refinance-mortgage-second-mortgage-kansas-city-ks

Condo Loans

We cannot stress the point enough: it is imperative that clients work with a condo mortgage expert in order to navigate a sometimes difficult transaction. 

Bank-Statement-Loans

Bank Statement Loans

Bank Statement Loans, also known as self-employed mortgages allow you to secure a mortgage without the documentation you would normally use to verify your income, such as W-2’s and tax returns. 

Welcome to The KC Mortgage Duo

The ultimate destination for solutions-based mortgage lending

Whether you are buying, selling, refinancing, or remodeling, we have an extensive list of over 70 Lenders to fit your long and short-term needs.  You will enjoy a comprehensive loan analysis and access to the lowest rates and fees on the market. KC Mortgage Duo guarantees the highest level of customer service, on-time closings, and support long after your transaction is complete.

About KC Mortgage Duo

Mike Verhoff (Mike V) and Mike Corwin (Mike C) are the KC Mortgage Duo.  They have been friends for over 30 years and were even in each other’s weddings.  The Duo worked together for several years on the Kansas City Missouri Police Department (KCMOPD).  Mike V left the department and moved out of the area, but they maintained their friendship.  They have always discussed going into business together sometime.  The difficulty was what type of business that they both believed in and the right timing.

Eventually, everything aligned, and they became Mortgage Loan Originators.  From there, the KC Mortgage Duo was formed.  At their core, the Duo love working with, and serving others.  In particular, our Heroes: Police Officers, Fire Fighters, Military Personnel, Nurses, Emergency Medical Technicians and Teachers.  Heroes form the backbone of our society as they are on the front line of critical services.

Mike & Mike Photo

Meet The Team

Mike Verhoff

Mike Verhoff - NMLS #1835107

Mike grew up in the Mid-Missouri area.  He graduated from Fulton, Missouri High School.  Mike joined the US Army where he was a Military Police Officer.  He was stationed with the 66th Military Police Company in Karlsruhe, West Germany for 2 ½ years.  Mike left the Army with a Honorable Discharge.

After completing his tour of duty with the Army, Mike became a Civilian Police Officer.  Mike joined the Kansas City, Missouri Police Department where he worked as a Patrol Officer for nine years.  He was assigned to Central Patrol and East Patrol Divisions.

Mike changed careers and embraced an opportunity as a Facility Manager with a new company, Practitioner’s Support Lab, in the Prosthetics and Orthotics field.  After managing the business for six (6) years he purchased it. He changed the business name to PSL Fabrication and was the manager/owner for 17 years.  He and his business partner proudly served amputees by fabricating artificial limbs.  Patients came from all walks of life from civilians to military heroes.

Mike has always had an interest in finance and finance has been the foundation of his successful businesses over the years.  Desiring to help people achieve their goal of home ownership, Mike sold his businesses and transitioned to being a Mortgage Loan Originator.  Mike believes it is one of the greatest careers a person could have. As a loan officer Mike knows that having the client’s best interest at heart paramount.  Mike uses all the skill’s he’s learned as a soldier, police officer, small business owner to help his client’s achieve home ownership or their financial goals through refinancing.  Mike strives every day to learn and grow as a Mortgage Loan Originator so that he can offer the best advice, knowledge and service to his clients.

Nothing is more important to Mike than family and friends.  Spending time with loved ones in any setting is his passion.  He is an avid reader and sports fan.

Mike Corwin Photo

Mike Corwin - NMLS #1964269

Michael “Mike” Corwin grew up in St. Joseph, Missouri and graduated from Bishop LeBlond Memorial High School.  He enlisted in the Army after high school where he was a Field Artillery Surveyor.  He was stationed at Fort Riley and Idar-Oberstien, West Germany.  He obtained the rank of sergeant.  He fulfilled his obligation and was honorably discharged.

Mike returned home from the military and enrolled in college.  While going to college he became a member of the St. Joseph, Missouri Police Department (SJPD) where he was a Patrol Officer.  Mike left SJPD and became an officer with the Kansas City Missouri Police Department.

Mike retired as a Major from the Kansas City Missouri Police Department and is a 30-year law enforcement veteran.  Mike held a variety of assignments during the course of his career ranging from Community Policing to Homeland Security.  The assignment Mike is most proud of is the Law Enforcement Resource Center (LERC).  Mike had a vision for several years to consolidate the Kansas City Missouri Police Department’s Crime and Intelligence Analysis resources into a centralized information hub that could be accessed by the entire organization and the Kansas City Region.  The LERC accomplished that vision.

In addition to being a Police Officer, Mike has owned several businesses over the years.  Between law enforcement and business ownership Mike has well-rounded, real-world business experience.  To bolster his practical experience Mike holds a Master’s Degree in Business Administration and a Bachelor’s Degree in Management and Human Relations.

Mike became a Mortgage Loan Originator as he desired to continue what he enjoys most, working with and helping people.  He has had the opportunity to work in a variety of settings such as government and big business, but he found it is nothing like his life-long pursuit of helping others.

Mike enjoys a variety of outdoor activities with his wife, particularly driving his Polaris Rzr.  He spends as much time as possible with family and friends as nothing is more important.

How Credit Scores Can Affect Mortgage Pre-Approval

May 8, 2026 |

Mortgage pre-approval and interest rates can be influenced by your credit profile, but requirements vary by lender and situation. Credit utilization, payment history, and overall debt levels are common factors lenders review, along with your debt-to-income ratio. It can also help to check credit reports for errors and understand how new credit accounts may impact…

US Purchase Activity up 21% Yearly | “Your dream home, guided by a local team you can trust.”

May 7, 2026 |

Purchase applications recently ↑1% and were ↑21% yearly, showing buyers are moving forward as inventory conditions look more favorable nationally for many shoppers. Total mortgage application volume recently ↓1.6% seasonally adjusted, after a prior ↑7.9%, while unadjusted activity ↓1%, tracking overall loan demand across programs. The 30-yr fixed rate sat in the mid-6% range, and…

US Mortgage Rates Hit 4-Week Lows | “Your dream home, guided by a local team you can trust.”

May 6, 2026 |

National mortgage rates fell for a second straight week. The avg. 30-yr fixed reached ~6.3%, while the avg. 15-yr fixed moved to mid-5%. A listings platform economist said buying power remained better than a year ago, but weaker than a month ago as current pending sales looked softer. Latest national mortgage averages showed 30-yr fixed…

Applying for a Mortgage: What to Expect | “Your dream home, guided by a local team you can trust.”

May 4, 2026 |

Choosing a lender can take up to one week after you’re ready to apply. Underwriting and processing may take three to four weeks, plus up to one week to close. Application needs employer, income, assets, debts, credit history, and the property details, plus supporting documents. Some lenders require a $100 to $500 fee to start…

Best mortgage lenders for first-time home buyers of April 2026

May 3, 2026 |

Top mortgage lenders for first-time buyers in 2026 offer various loans, grants, and assistance programs. Options include Rocket Mortgage with rent-based grants, Bank of America’s down payment aid, Pennymac’s FHA expertise, Veterans United for VA loans, U.S. Bank for USDA loans, Navy Federal for low rates, Guild Mortgage for alternative credit, Rate for customer service,…

How to get approved as a self-employed, first-time home buyer

May 2, 2026 |

Nearly a third of Americans are self-employed, and many use this income to buy homes. Self-employed buyers can qualify for mortgages without W2s by providing tax returns, bank statements, or other documents. Standard loans, bank statement loans, and portfolio loans are options, each with different requirements and rates. Despite pandemic challenges, financing remains available. Shopping…

Learn How to Get Approved for a Mortgage

May 1, 2026 |

Mortgage approval depends on your ability to repay, assessed by debt-to-income ratio, credit history, and payment likelihood. The home's appraised value must meet or exceed the purchase price, affecting the loan-to-value ratio. Down payment size influences private mortgage insurance requirements. Lenders also review funds for closing costs and may require reserves to cover future payments.…

Fixed-Rate Mortgages Offer Payment Stability | “Your dream home, guided by a local team you can trust.”

April 30, 2026 |

A fixed-rate mortgage keeps the interest rate and monthly payment unchanged for the full loan term, with the rate locked when closing papers are signed. In the US, 40% of households had mortgages, and 92% of those were fixed-rate, showing how dominant this loan type remained. Fixed-rate terms generally ranged from 5 yr to 30…

How to Get a 4% Mortgage Rate in 2026? | “Your dream home, guided by a local team you can trust.”

April 29, 2026 |

Achieving a 4% mortgage rate in 2026 requires strategic planning, as average 30-year rates are around 6% for most borrowers. Government-backed loans like USDA and VA offer some of the lowest rates, sometimes approaching 4–5% for qualified applicants. Rate-reduction strategies—such as adjustable-rate mortgages, shorter loan terms, discount points, or seller-paid buydowns—can help reach near 4%…

Buyers Still Get Some Rate Relief | “Your dream home, guided by a local team you can trust.”

April 27, 2026 |

Mortgage rates climbed again after briefly dipping below ~6% about a month earlier, but they still remained below yearly-ago levels, offering some affordability relief. Demand signals softened. Purchase applications ↑1% yearly in the latest week but ↓3% MoM, losing the double-digit yearly gains seen earlier this year. The avg. 30-yr fixed mortgage reached ~6.5% in…