We know real estate financing
Specializing in investment, ADU, construction, and renovation financing.
What our clients think...
Providing A Commonsense Approach To Your Real Estate Needs
Why Us
Whether you’re a seasoned property investor or just beginning your real estate journey, the right advisors will position you to make solid business decisions. To effectively navigate the world of real estate financing, you need advisors that don’t just quote rate and term, but will offer solutions that cultivate your purchase, investment goals and responsibilities. Our advisors are keenly aware that every client and their opportunities are unique which require focused attention and an all-encompassing plan.
Securing the best financing option for our clients is only part of the equation. Helping them develop a long-term real estate investment strategy, present viable ways to responsibly employ untapped equity, financially navigate estate buyouts and source options for renovation (both new and existing properties), and construction projects are just some of the areas we guide our clients through the process. We would value the opportunity to speak with you and/or your client to craft an effective real estate strategy.
Renovation & Construction Lending
Renovation loans can help with repairs for both primary and investment properties.
Ground-up Construction provides funding to build your dream home or rebuild after a disaster.
Home improvements provide financing to upgrade kitchens, bathroom or create a master suite.
Accessory Dwelling Unit Financing (ADU)
Garage Conversion
Turn an existing garage into an ADU utilizing the existing structure.
ADU Addition
Add an ADU as an addition attached to the main house.
Stand Alone ADU Addition
Add an ADU as an addition attached to the main house.
Investment Properties
Investing in real estate is a common desire to build residual income and net worth but often acquired with a short term goal of turning a profit today. However, the key to building a successful real estate portfolio is understanding the long term goals and analyzing the potential return on investment (ROI). The Kallen Capital Lending team is here to help you with a personalized real estate investment strategy to meet both short term and long term objectives.
Loan Programs
Through our initial consultation, we will suggest the right loan program to suit the real estate financing needed.
Homestyle Renovation®
The Fannie Mae HomeStyle® Renovation (HSR) Mortgage permits borrowers to include financing for home improvements in a purchase or refinance transaction on existing homes. The HSR Mortgage provides a convenient way for borrowers to make renovations, repairs, or improvements using only one loan. Eligible borrowers include individual homebuyers and investors.
CHOICE Renovation®
CHOICERenovation from Freddie Mac can help first time homebuyers who want to fix up a more affordable home, current homeowners who are looking to age in place by making needed repairs and improvements, and multi-generational families who need a more customized living space.
203(k) FHA
The FHA 203(k) program is perfect for homeowners or homebuyers who want to finance a property that requires renovations or repairs. The 203(k) ideal for properties that are being sold with un-permitted additions or garage conversions to meet required repairs.
VA Renovation
The VA Renovation program is available for purchase or refinance, and allows for up to $50,000 in additional funding toward remodeling, renovations and repairs. Must be either an active member of the military, retired, or surviving spouse to qualify.
Home Equity Line of Credit
A home equity line of credit (HELOC) is a loan that allows homeowners to borrow, spend, and repay only on the funds utilized. Typically, the property owner can borrow up to a specified percentage of the available equity. Equity is the value of a property minus the amount owed on a mortgage. This is usually a second mortgage (in some cases may be a first mortgage if the property is free and clear) and is an ideal option for homeowners with a low interest rate on the first mortgage who want to avoid refinancing.
Construction
Our construction loan clients value the fact that they can take a single loan out and keep the financing simple even when the rest of the project is complex. We over a variety of short term and long term construction financing options including Building Construction Loans which carry out home renovation, building additions and new construction as well as Construction Bridge Loans to cover funding shortfalls near the end of a project.
Investment and Multi-Unit Properties
Real Estate Investment Loans can be used for many purposes including paying off existing debt, obtaining cash for additional investments, 1031 Exchange and purchasing new properties. KCL is here to help investors expand and maintain their real estate portfolio by offering financing for apartment buildings above 4 units.
Meet The Kallen Home Team
A licensed loan officer since 2004, Kamili is a trusted and sought after mortgage advisor. She has helped scores of clients across the country acquire, maintain and grow their property portfolios. Her client-centered approach eases the anxious and complicated moments of a real estate transaction. She is well versed in the nuances of residential and multi-family financing, ground up construction, renovation and ADU financing, 1031 investment exchange and concurrent transactions, divorce and estate lending and real estate investor financing.
Kamili is a graduate of Howard University with a Bachelor Degree in Interior Design. She is a member of Alpha Kappa Alpha Sorority, Inc. and serves on the Boards of First Place For Youth (a nationally recognized education and employment non-profit that provides housing and case management for transitional foster youth aged 18 to 25) and Good Sheppard Homes (a 70-unit senior housing facility in Inglewood, CA).
Kamili Allen Samms
Mortgage Advisor
NMLS #1030128
A licensed loan officer, Damon has more than 20 years of experience in real estate investing and management. He’s a specialist in renovation lending and investment property financing. A multi-family property investor himself, he’s keenly aware of the financial needs and challenges owners face in acquiring, maintaining and growing their investments.
A graduate of California State University at Northridge, Damon is a member of Alpha Phi Alpha Fraternity Inc., Rotary International and the Knights of Peter Claver. He serves as the Board Secretary for the Sickle Cell Disease Foundation.
Damon T. Oliver
Client Manager
NMLS #1995312
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Kallen Capital Lending, an associated division of PFN Lending Group, Inc. (dba Priority Financial Network), NMLS 103098