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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. 

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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. 

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USDA Loans

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

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Renovation Loans

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

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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. 

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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.

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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.

Smart Home Buying Tips With Current Mortgage Rates

October 10, 2026 |

With mortgage rates holding steady above 7%—the 30-year fixed currently sitting at 7.12%—it’s understandable to feel cautious about making a move. Inflation and recent Fed decisions have kept rates elevated, but there’s more to the story for buyers this fall. We’re seeing home prices drop about 5% compared to summer, and a slower market with…

Homebuyers: Lending Standards Are Still Tight, but New Credit Scores May Help

October 9, 2026 |

We know firsthand how tight lending standards have become, with home sales sitting near a 31-year low—something we see affecting families across our KC communities. High mortgage rates and rising costs are real hurdles, especially for those working hard to qualify. While new credit scoring models that count rent and utility payments are a welcome…

United States Homebuyer Affordability Outlook | “Your dream home, guided by a local team you can trust.”

October 8, 2026 |

As we guide our clients through the path to homeownership, we’re always focused on the factors that shape affordability. Across the U.S., what really matters isn’t just one thing, but the way lower mortgage rates, steady income growth, and a slowdown in home-price increases work together to create opportunities. The affordability index takes a close…

Mortgage Rates Aren’t Backing Down Yet | “Your dream home, guided by a local team you can trust.”

October 7, 2026 |

We know how important it is to have clarity when planning your next move—whether you’re buying your first home, investing, or considering a refinance. Right now, mortgage rates are holding steady near 7%, and unless inflation eases enough to shift the Fed’s approach, we may see these rates persist through the end of the year.…

Bargain Hunting With Rates Above 7% | “Your dream home, guided by a local team you can trust.”

October 5, 2026 |

With mortgage rates holding above 7% and the market watching closely for the Fed’s next steps, many future homeowners are feeling the squeeze on affordability. At KC Mortgage Duo, we’ve seen how higher Treasury yields can affect borrowing costs—but also how being informed can strengthen your position. A recent study suggests that if you’re planning…

Smart Strategies for Buying a Home at Current Rates

October 4, 2026 |

Buying a home in the current market can feel daunting—especially with mortgage rates hovering near 6%. Compared to 2021, that’s a 33% reduction in purchasing power, making every dollar count more than ever. We’ve seen firsthand how factors like credit scores, private mortgage insurance, and overall debt can shape your monthly payment and long-term costs.…

The Average Down Payment On A House, Explained

October 3, 2026 |

When it comes to making that first move toward homeownership, understanding your down payment options is key. In 2025, we saw the median down payment for U.S. homebuyers land at 19%. For first-timers, it averaged around 10%, while repeat buyers typically put down 23%. The type of loan you choose can impact these numbers—some programs…

Mortgage rate predictions for the next 5 years: A new data-powered forecast through 2031

October 2, 2026 |

Forecasting mortgage rates is always a key concern for anyone considering homeownership, and we know how important it is to make sense of the numbers. Recent data-driven projections show that mortgage rates, which track closely with the 10-year U.S. Treasury yield, are likely to hover around 6% through 2027. If the economy manages a gentle…

Price Reductions Hit 20.4% of Active Listings | “Your dream home, guided by a local team you can trust.”

October 1, 2026 |

We’re seeing a noticeable shift in the housing market: 20.4% of active listings have reduced their prices. This past Mid-Q3, homes going under contract dipped by less than 1% year-over-year, breaking an eight-month streak of steady gains. The average 30-year fixed mortgage rate reached nearly 6.7% early in the quarter, stayed high for several weeks,…

Fed Rate Hike Pressures U.S. Home Sales | “Your dream home, guided by a local team you can trust.”

September 30, 2026 |

The recent Fed rate hikes have truly shifted the landscape for anyone hoping to buy or sell a home. With the central bank’s benchmark rate climbing to around 4% and 30-year mortgage rates approaching 7%, affordability has changed almost overnight. These higher rates have trimmed buyers’ purchasing power, meaning fewer people qualify and sellers often…