Explore mortgage options with Independent Home Finance, Inc
Your Equity, Your Terms
At Independent Home Finance Inc., we believe in second chances and smart financial strategies. Whether you’re investing, refinancing, or overcoming credit challenges, we help you unlock your home’s potential.
Experienced. Local. Trusted.
With over 25 years of industry experience, we specialize in personalized mortgage and investment loan solutions. From private money loans to reverse mortgages and home equity loans, we’re here to guide you through the process with clarity, integrity, and speed.
Client-Focused Promise
We don’t just close loans — we open doors.
Whether you’re self-employed, retired, an investor, or rebuilding credit, we take the time to understand your goals. Then we go to work finding the solution that gets you there — even when others say no.
Your top mortgage questions, answered
Common types include conventional loans, FHA loans, VA loans, USDA loans, fixed-rate mortgages, and adjustable-rate mortgages. Each type has its own eligibility requirements, benefits, and drawbacks.
A fixed-rate mortgage has a constant interest rate throughout the loan term, leading to predictable monthly payments. An adjustable-rate mortgage (ARM) has an interest rate that can change periodically, causing fluctuations in monthly payments.
Pre-qualification provides an estimate of how much you might be able to borrow based on the information you provide. Pre-approval involves a more thorough review of your financial situation and credit history, resulting in a conditional commitment from a lender.
While it may be more challenging to qualify for a mortgage loan with bad credit, there are still options available. Government-backed loans like FHA loans may have more flexible credit requirements, and some lenders specialize in working with borrowers with less-than-perfect credit.
States We Serve
All Loan Options Available
Licensed Coverage for a Full Range of Loans
For clients in California, Colorado, and Texas, Independent Home Finance Inc. is fully licensed to offer an extensive range of loan products, including:
Investment Property Options Only
What our clients are saying
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Mr. Kyle was responsive to my requirements and concerns with cooperation and friendliness that I appreciated. It was a pleasure doing business with him and his organization.
Tyrone Ware
Tim is an excellent resource on all things home finance and extremely gracious with his time and assistance with advice on how to improve one's credit profle and scores.
James Lawrence
Very helpful and so easy to talk to, highly recommend. He actually cares!
Paul Carpenter
Tim provided us with amazing service, we are 100% satisfied and highly recommend
Richard Foden
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After speaking with Tim, I learned that while he doesn’t currently service my state, he generously shared a wealth of information and directed me to a company that can meet... read more
dorshalee
Tim worked quickly and did a great job getting our loan approved and through underwriting.
Ralph Trigg
Tim is super helpful and very resourceful. He is very professional and knowledgeable.
Lina Mikhal
Tim is the best! If he can't fund your project, no one can, very, very knowledgeable too!!!
Keith Ayers
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If you think you can’t get a mortgage or a refi with cash out, think again. I was impossible, and it got done with no hiccups. Highly recommend!
Daniel
Extremely knowledgeable and willing to go extra mile. Highly recommend. Tim is a true professional in his field.
Noah Nazzaro
Tim Kyle was extremely well informed and tremendously helpful. He anticipated my needs, provided well thought out feedback, and gave me answers to questions I didn't even know to ask.... read more
Jay Daughtry
Tim Kyle responded promptly and offered a few options for our situation. He was friendly and knowledgeable. Highly recommend Tim.
Allen Evans
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Tim Kyle is extremely knowledgeable and is able to share that knowledge with you in a way that is easy to understand. I never felt like I was asking “dumb... read more
Kathleen Gair Levin
Tim was amazing! He made what seemed impossible, possible! He sure has talent and is very knowledgeable! Will be referring more clients to him in the future!! Thanks again, Tim!
Marianna Gutierrez
I recently worked with Independent Home Finance Inc. to get a second mortgage, and I was extremely impressed. They took the time to understand my needs and walked me through... read more
Nick Castellano
Tim is amazing to work with!! My family and I have been working with him for years and he always gets the best rates and deals. His attention to detail... read more
Bryan Centrone
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Tim Kyle has been my go to home finance specialist for the past 4 years. He is very detail oriented with expertise across multiple related areas. He provides... read more
Joyce Veasley
They did a great job getting our loan. Everything went smoothly. Thanks Again Ian and Tim, you guys are the best. Will Definitely refer anyone we know who needs your... read more
william schulke
To anyone seeking guidance and exceptional customer service with loans and refinancing, my wife and I highly recommend you contact Independent Home Finance, Inc, I've worked with Tim on several... read more
Michael Berry
Tim was amazing in helping me get my loan done. I got denied from four other companies, who all said they couldn’t do it - but Tim figured out a... read more
Gary Patterson
