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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.

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…

Commercial Lending Is Opening New Doors | “Your dream home, guided by a local team you can trust.”

September 28, 2026 |

We always keep an eye on trends that shape the lending landscape—because understanding where the market is headed means we can better serve our clients. Commercial mortgage originations in the U.S. jumped 16% year over year in Q2, signaling increased confidence and activity among borrowers. What stands out to us is how alternative lenders now…

How Much Down Payment Do You Need To Buy a House?

September 27, 2026 |

One of the first questions we hear from homebuyers is: How much do I actually need for a down payment? The answer isn’t one-size-fits-all. Depending on the loan program and your eligibility, down payments can range from 0% (like with VA and USDA loans) to over 20%. Conventional loans typically start around 3%, while FHA…

Essential questions to ask when buying a house

September 26, 2026 |

As you start your journey to homeownership, it’s important to ask the right questions—because understanding the details now can save you stress later. At KC Mortgage Duo, we encourage clients to clarify their budget, list their must-haves, and consider how long they plan to stay in the home. Don’t overlook the full range of costs…

Experts Share Insights on Future Mortgage Rate Trends

September 25, 2026 |

With all the talk about where mortgage rates might go, many are asking if we’ll see rates hit 7% in 2026. Right now, 30-year fixed mortgages are hovering between 6.7% and 6.9%. Of course, what you qualify for can depend on your credit, where you’re buying, and your overall financial picture. Rates could rise if…

Global Rent-to-Own Basics for Buyers | “Your dream home, guided by a local team you can trust.”

September 24, 2026 |

As educators and advocates in the home financing journey, we’re seeing more buyers explore global rent-to-own agreements as a stepping stone toward homeownership. These arrangements allow renters to move in now, build savings for a future down payment, and work toward qualifying for a mortgage down the line—something we know can be especially valuable for…

Mortgage Payments Turn Late After 30 Days | “Your dream home, guided by a local team you can trust.”

September 23, 2026 |

Understanding how mortgage late payments work can make a world of difference for homeowners navigating their loan responsibilities. Most US mortgages are due on the first of the month, followed by a 15-day grace period. After that, late fees—often around 5% of your overdue principal-and-interest payment—may kick in, and if a payment is still missing…

Post-Purchase Costs Buyers Should Expect | “Your dream home, guided by a local team you can trust.”

September 21, 2026 |

As you take the exciting step into homeownership, it’s important to look beyond the down payment and closing costs. From our experience guiding clients through their first year in their new homes, we’ve seen how expenses for repairs, furnishings, and appliances can catch many by surprise if they aren’t prepared. Did you know that newly…

What Buyers and Sellers Should Expect to Pay at Closing

September 20, 2026 |

When you’re preparing to buy or sell a home, it’s important to know what to expect at closing. We often guide our clients through this step, making sure there are no surprises. Closing costs—like commissions, title insurance, taxes, fees, inspections, and prepaid expenses—can add up quickly. Some of these are negotiable between buyers and sellers,…