Michael Kerby - Mortgage Broker

12/06/2025

Thankful for this crew. Proud of what we’re building together—and even more excited for what’s coming in 2026.

02/13/2025

🚀 Business Owners & Investors – Need Fast, Flexible Financing? We’ve Got You Covered!

Whether you’re looking for SBA 7(a), SBA 504, or Conventional loans, we offer lightning-fast closings, high LTVs, and nationwide coverage to help you grow your business. ✅

📌 Loan Options:
🔹 SBA 7(a) – Up to 95% LTV, fully amortized, fast approvals
🔹 SBA 504 – Loans up to $18M, fixed rates, high LTVs
🔹 Conventional – Up to 70% LTV, purchase, refi, cash-out

📍 Property Types: Office, Industrial, Retail, & Special Use

💬 Have questions? Let’s chat! DM me or email [email protected] to get started today.

02/12/2025

Great meeting with our investor partner EPM today! We’re rolling out some exciting new products for our builder and realtor partners, including solar and home upgrade financing that can be added right into the purchase. Bonus points for being dog-friendly—our kind of people! ⚡🏡🐶

12/23/2024

Celebrating these two amazing first-time homebuyers on their new chapter! 🏡✨ Always thankful when clients become good friends through the process. Big shoutout to Lauren, our fantastic real estate agent, who couldn’t make it to closing but we had her there in spirit! It’s been a pleasure helping them navigate the mortgage process and making homeownership a reality. Cheers to new beginnings! 🥂

12/16/2024

Had an amazing time in Scottsdale celebrating the season with our incredible partners, Jeff and Taylor. Huge thanks for the great hospitality and laughter. Excited for all that 2025 has in store – big things ahead!

11/16/2024

Friendsgiving 2024 🦃

05/24/2024

Honored to help my client Andrew, a US Navy Veteran, secure his dream home just in time for Memorial Weekend. Proud to serve those who have served our country. Thank you for trusting in me to get you into your very first home.

Also special shout out to one of the hardest working agents I know, . Your collaboration on this process has been absolutely amazing and I’m thankful to have you as a partner in this business.

If you or any family have ever served in the military, please don’t hesitate to reach out to explore what VA benefits you may be eligible for. 🏡🇺🇸

04/06/2024

1.5% down on a conventional loan? Yes, let me show you how 👊🏻

We have access to a conventional loan program for first time buyers. Not sure how long this will last but it’s a federal grant of $5,250 for first time buyers that live in 21 metroplexes in the United States.

**If you are in TX, FL, or AZ you may be eligible**

Our clients are buying a home for $339,000 which 3% down would require they bring in $10,170. However, with the use of our grant we were able to reduce that down payment to $4,950 which comes out to only about 1.5% as a down payment. This is applied directly at closing as a gift and no terms for repayment (just like my other programs)

Best part is, they’re getting a rate in the 6’s and PMI (private mortgage insurance) of only $72 per month!

If you live in any of the states mentioned above and are looking to buy, comment below and I’ll send you the details to see if you qualify!

04/04/2024

5.0 star review received on Experience.com for Michael Kerby by Mario G - Michael and his team went above and beyond expectations for us and also his genuine concern to help out. I would recommend him to everyone in my family and friends! Thank you for all your help Michael and keep up the good work!

Click to see all 24 reviews of Michael Kerby, West Capital Lending