Kaci Kumar brings 10 years of mortgage experience to first-time homebuyers, realtors, and investors across Houston, Katy, Sugar Land, Beaumont, Galveston, Richmond, Anahuac, Winnie, Bridge City, and Lumberton. She specializes in down payment assistance, construction loans, and guiding clients through mortgage rates, FHA loans, HELOCs, conventional, USDA loans, VA loans, appraisal, underwriting, escrow, and mortgage payment calculator tools to help you understand how much house you can afford. She is also an expert in refinancing, helping you lower your monthly mortgage payment with confidence. Personal NMLS1871267 • Branch NMLS2571734 • Company NMLS3029 • An Equal Housing Opportunity • nmlsconsumeraccess.org