Brian W. Kempf - Top 1% Mortgage Originator - Certainty Home Lending

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Brian W. Kempf - Top 1% Mortgage Originator - Certainty Home Lending I've been recognized as both a Top 1% Lender and Top 40 under 40 Mortgage Professional in America

New Jersey born and bred, I grew up with an appreciation of hard work, transparency, grit, and congeniality from a young age. I've been in the Northern VA/DMV area for over 15 years and am intimately familiar with the competitive landscape. My knowledge and experience of the market coupled with my passion for supreme customer service makes me a natural fit for all lending needs. When I'm not working, I enjoy traveling to tropical destinations, golf, spending time with my girlfriend and family, and cheering on the Virginia Tech Hokies, New York Yankees & Buffalo Bills.

Every market tests something different. Low rates tested how fast you could move. Higher rates test how creative your pl...
10/17/2026

Every market tests something different. Low rates tested how fast you could move. Higher rates test how creative your plan is.

The good news is there are more options than most buyers realize. Loan structure, buydowns, and seller credits can change what your payment looks like.

If you're a buyer or a realtor with a client who's been told "it doesn't work," send me a message. I'll show you the numbers.

Brian Kempf | NMLS #483525 | Certainty Home Lending NMLS #2611 | Equal Housing Lender

Friday Fund It: three families, all in Alexandria, VA.I want to start with the one that almost didn't make it. A buyer u...
10/16/2026

Friday Fund It: three families, all in Alexandria, VA.

I want to start with the one that almost didn't make it. A buyer using a VA loan found a condo, but the other lender couldn't get it VA approved. My team stepped in, worked through the approval and closed. Thank you to Brooke Zannino of Compass and Irina Babb of Samson Properties.

The second closing was a VA loan for a veteran, and it was an honor to help. Congratulations to Amy Werner D'Aniello of Fairfax Realty of Tysons and Manuwe S Eligwe of Keller Williams.

The third is a past client we've worked with on multiple deals, who just moved back to the area from Florida. That one was a conventional loan, with Lauryn Eadie of Real Broker LLC and Richie Hanna of RE/MAX Gateway.

If you're thinking about buying with a VA loan, or you've been told a property can't be approved, send me a message.

Brian Kempf NMLS #483525 · Guaranteed Rate, Inc. dba Certainty Home Lending, NMLS #2611 · Equal Housing Lender

Good news on rates this morning. The 10-year Treasury is down to 5.09%, a three-week low, and mortgage rates are coming ...
10/15/2026

Good news on rates this morning. The 10-year Treasury is down to 5.09%, a three-week low, and mortgage rates are coming down with it. The 30-year is at 7.47% and the 5/1 ARM at 6.39%.
If you are buying or thinking about it, reach out to me for your updated rate.
Brian Kempf NMLS #483525 · Guaranteed Rate Inc. dba Certainty Home Lending, NMLS #2611 · Equal Housing Opportunity

Quick question: what's a "good" mortgage rate? 🏡Honestly, it depends on what you're comparing it to. If you last checked...
10/13/2026

Quick question: what's a "good" mortgage rate? 🏡

Honestly, it depends on what you're comparing it to. If you last checked rates a couple of years ago, the number in your head probably doesn't match today's market. That's okay! It just means it's time for a fresh look.

Here's where national averages stand right now:
30 year fixed: around 7.55%
5/1 ARM: around 6.45%
And big inflation data comes out this Wednesday.

Whether you're buying your first home in Northern Virginia or just curious what today's numbers mean for you, I'm always happy to walk through it. No pressure, just real numbers.

Text me anytime at (571) 309-4911.

Brian Kempf | NMLS #483525 | Certainty Home Lending NMLS #2611 | Equal Housing Opportunity
Rates shown are national averages for illustration only, not an offer or commitment to lend.

Help more clients make their next move - and create more wins together. Our internal bridge loan solution is now availab...
10/11/2026

Help more clients make their next move - and create more wins together. Our internal bridge loan solution is now available in more states, helping more buyers close on their next home before selling their current one.

http://certaintyhomelending.com/BrianKempf

The mortgage process can be complex, but communication shouldn't be. With our phone and video interpretation services, w...
10/09/2026

The mortgage process can be complex, but communication shouldn't be. With our phone and video interpretation services, we make it easy for everyone to navigate the loan process. Reach out to learn how we're making mortgages more accessible.

http://certaintyhomelending.com/BrianKempf

10/07/2026

Great partnerships make the process better. When we communicate, collaborate and work toward the same goal, we can create a better experience for our clients. http://certaintyhomelending.com/BrianKempf

Why wait? Our higher conforming loan limits are available ahead of the FHFA announcement, helping you maximize buying po...
10/05/2026

Why wait? Our higher conforming loan limits are available ahead of the FHFA announcement, helping you maximize buying power sooner. Contact me to see what this could mean for your home search.

http://certaintyhomelending.com/BrianKempf

Address

Arlington, VA
22203

Opening Hours

Monday 9am - 9pm
Tuesday 9am - 9pm
Wednesday 9am - 9pm
Thursday 9am - 9pm
Friday 9am - 9pm
Saturday 12pm - 5pm
Sunday 12pm - 5pm

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