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.

US Mortgage Demand Stays Resilient | “Your dream home, guided by a local team you can trust.”

June 18, 2026 |

US mortgage originations have stayed steady during first half 2026, supported by borrower interest and lending options built for higher-rate conditions across the market. Flexible loan terms have helped borrowers manage payments, including fixed-rate HELOCs up to $700K and repayment windows stretching 10 to 15 yr. Starting APRs in the mid-5% range have given some…

US Homeownership Starts With Smart Planning | “Your dream home, guided by a local team you can trust.”

June 17, 2026 |

Homeownership can bring opportunity, stability, and community, especially when buyers plan beyond rates, payments, and down payment expectations early with clear guidance. Upfront planning should include inspections, closing costs, moving expenses, and savings for future repairs, helping ownership feel prepared rather than surprising later. Qualified buyers may find assistance programs or low down payment loans…

US First-Time Buyers Can Prepare Smarter | “Your dream home, guided by a local team you can trust.”

June 15, 2026 |

National Homeownership Month is a timely reminder: first-time buyers can make ownership more achievable by preparing finances before starting their home search. Preparation starts with knowing whether buying fits your budget now, instead of rushing into costs that could create avoidable financial pressure later. First-time buyers should plan beyond the monthly mortgage, including down payment,…

Honoring the Flag, Celebrating Its Legacy | “Your dream home, guided by a local team you can trust.”

June 14, 2026 |

Flag Day is the American flag's birthday party every June 14th! Flag Day was proclaimed in 1916 but officially recognized in 1949. Talk about a late celebration! Betsy Ross, a seamstress, sewed the first flag. Imagine if designers today made flag-inspired outfits!

Waiting for Interest Rate to Drop? Why it Could Cost You More

June 14, 2026 |

Delaying a home purchase due to fear of higher mortgage rates can be costly. Interest rates are unpredictable and may rise, while home prices generally increase over time. Buying now builds equity and secures housing costs amid economic uncertainty. Waiting risks missing out on ideal homes and financial benefits. Assess your debt-to-income ratio and credit…

How to buy a house: The ultimate guide for first-time home buyers

June 13, 2026 |

First-time home buyers in 2026 can qualify by never owning a home or not owning one in the last three years. Key steps include determining affordability, shopping lenders, house hunting, selecting a lender, and closing. Benefits include low down payments (as low as 1-3%), credit score flexibility, and assistance programs. Popular loan options are FHA,…

Key Steps for First-Time Homebuyers

June 12, 2026 |

First-time homebuyers should check their credit score early to understand loan options. Determine affordability by considering upfront costs like down payment and closing fees, plus ongoing expenses such as mortgage, insurance, and taxes. Many down payment options exist, including programs offering 100% financing or grants. Getting prequalified strengthens buying power. Focus on essential home features,…

US Buyers Keep More Cash Ready | “Your dream home, guided by a local team you can trust.”

June 10, 2026 |

Buyers are putting less upfront, using calmer competition and moderating prices to preserve cash for closing costs, moving needs, and reserves today. Lower-down-payment loan options, including government-backed products, are taking more purchase share, helping first-time buyers enter the market with less cash upfront required. Mortgage industry forecasts point to more financing choices and assistance programs,…

Mortgage Mistakes: What NOT To Do Before Applying for a Mortgage

June 7, 2026 |

Home-buyers should avoid several costly mistakes when applying for a mortgage. Key points include not changing jobs or careers, as this can raise red flags for lenders. Avoid applying for new credit cards or closing major credit accounts, as these actions can negatively impact credit scores. Refrain from making large purchases or deposits before closing,…

How to Buy a House – Complete Guide for First-Time Homebuyers

June 6, 2026 |

Buying a home involves evaluating your finances, including income, debt, credit, and savings for a down payment. Determine how much house you can afford using the 28/36% rule, and consider closing costs. Improve your financial standing if needed, explore first-time buyer programs, and understand mortgage types and terms. Get pre-approved, find a real estate agent,…