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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.

The best and worst states to save for a home down payment

September 11, 2026 |

Navigating the path to homeownership can look very different depending on where you live. Recent research found a $30,000 difference in the amount needed to save for a 5% down payment across various states—a gap shaped by factors like local income levels, housing costs, taxes, and available homes. Some states manage a better balance, making…

Mortgage Rates Show No Signs of Easing | “Your dream home, guided by a local team you can trust.”

September 10, 2026 |

US 30-yr conforming rates sat near 7% recently, while 15-yr fixed loans stayed in the high-5% range, giving buyers a clear payment-versus-interest tradeoff. Other US options also clustered in the 6% range: jumbo near 7%, FHA low-6%, VA low-6%, and USDA low-6% with little day-to-day change. On a $300K loan, a 30-yr mortgage meant ~$398K…

USA Mortgage Rate Forecasts Move Higher | “Your dream home, guided by a local team you can trust.”

September 9, 2026 |

Ever wondered why mortgage rates can feel like a moving target? One important factor is the spread between the 30-year fixed mortgage rate and the 10-year US Treasury yield. This gap essentially shows how much more lenders are charging over a trusted benchmark. Traditionally, the spread has hovered in the high-1% range, but lately, we’ve…

U.S. Mortgage Spread vs 10-Year Treasury | “Your dream home, guided by a local team you can trust.”

September 7, 2026 |

Land contracts—there were 715,000 recorded nationwide—are often used when buyers can’t qualify for a traditional mortgage. As a team that’s spent years helping families navigate financing options, we know these contracts tend to show up most with low-cost homes, manufactured housing, rural properties, and older fixer-uppers—places where standard mortgage options are harder to secure. Research…

Happy Labor Day! | “Your dream home, guided by a local team you can trust.”

September 6, 2026 |

Labor Day in the United States celebrates the contributions of workers everywhere, while also unofficially marking the final big summer weekend before fall takes over. It’s known for backyard barbecues, road trips, and that classic tradition of buying things you didn’t know you needed because “it’s on sale.” Beaches, parks, and grills reach peak activity…

Mortgage Rates Sink to an 11-Month Low—Will Fed Cuts Push Them Even Lower?

September 6, 2026 |

30-year mortgage rates have dropped to 6.48%, the lowest since October 2024, following a recent three-day decline. The Federal Reserve is expected to cut rates multiple times this year due to weak job reports, but these cuts mainly affect short-term borrowing, not long-term mortgage rates. Mortgage rates are influenced by inflation, demand, housing supply, and…

Commercial, Multifamily Borrowing Up 16% in Q2 2026

September 5, 2026 |

Commercial and multifamily lending grew 16% year-over-year in Q2 2026, driven by strong office (47%) and retail (61%) loan originations. CMBS and depository lenders led the surge, while government-sponsored enterprises and life insurers reduced activity. Industrial lending rose 38% quarter-over-quarter, but health care property originations fell 19%. The recovery shows improving capital flows and selective…

Mortgage rate predictions through 2030: What the market looks like

September 4, 2026 |

Mortgage rates are closely tied to the 10-year U.S. Treasury yield, typically about 2 percentage points higher. Forecasts predict Treasury yields will gradually ease to around 3.9%-4.3% by 2030, suggesting mortgage rates near 6% in five years. A "bull" scenario could see rates near 5%, while a "bear" case might push rates up to 7%.…

Will Mortgage Rates Still Define 2027? | “Your dream home, guided by a local team you can trust.”

September 3, 2026 |

Mortgage rates are now expected to remain elevated into 2027, meaning financing costs could continue influencing buyer decisions. A slower decline in rates could keep demand below historical norms even if economic conditions improve. Buyers may increasingly focus on rate buydowns, adjustable products, and other financing strategies to manage borrowing costs. Home-price growth could remain…

US HOA Costs Demand Closer Review | “Your dream home, guided by a local team you can trust.”

September 2, 2026 |

In the current market, homeownership costs extend beyond mortgages, insurance, maintenance, and taxes, with HOA assessments becoming a key expense buyers should review carefully. For homes in managed communities, aging infrastructure and higher insurance costs have been pushing assessments upward, making association budgets and reserve planning more important. Experts said boards need to maintain assessments…