Kevin Wilks, Mortgage Professional

07/02/2026

5.0 star review received on Experience.com for Kevin Wilks by Brooks M - I have had the pleasure of working with Kevin twice now. Just an awesome person. Thank you for your hard work, diligence, and genuinely looking out for your clients interests!

Click to see all 64 reviews of Kevin Wilks, Branch Manager

06/04/2026

🏡 Before You Make an Offer on an Investment Property, Answer These 3 Questions

I've seen investors spend hours shopping for rates before they've answered the questions that actually matter.

1️⃣ What's your exit strategy?

Are you planning to sell the property, refinance it, or hold it long-term?

The answer impacts everything from financing options to profitability.

2️⃣ What's your REAL rehab budget?

Not the optimistic number.

Not the HGTV number.

The number that includes surprises, delays, and the things you didn't see during the walkthrough.

3️⃣ What's the property's value after repairs?

And more importantly, how confident are you in that number?

A deal that looks great on paper can become a headache if the after-repair value isn't realistic.

Most bad deals don't fail because of financing.

They fail because one of these three questions wasn't answered honestly.

The financing should support the strategy, not create it. 🤝

05/20/2026

Everybody is talking about DSCR loans right now, but one thing investors really need to understand is this:

Your rate is heavily tied to your exit strategy. 🏡

A lot of people see a higher rate and immediately think the lender is trying to rob them. Not necessarily.

If you plan on holding the property long term and don’t foresee refinancing or selling anytime soon, taking a longer prepayment penalty can often improve your pricing quite a bit. 📉

But if you want maximum flexibility and may refinance or sell sooner, the lender is taking on more risk. That risk gets priced into the loan.

That’s just how lending works. 🤝

You typically can’t have:
✅ the lowest rate
✅ no long-term commitment
✅ complete flexibility

…all at the same time.

The key is structuring the loan around your actual investment strategy instead of chasing random rate screenshots online.

There’s no universally “best” DSCR loan.

There’s only the one that best fits your plan.

05/12/2026

🚨DFW friends in mortgages, real estate, and investing — we’d love to have you out.🚨

Our Texas office at West Capital Lending is hosting a Grand Opening event on May 14th from 5:00–7:30 PM, and it should be a solid time to connect with some really sharp people in the industry.

Whether you’re a realtor, LO, investor, or just looking to build better relationships in the space, this is a good opportunity to network, talk shop, and see what we’re building over here.

What to expect:
✅ Good conversations with high-level professionals
✅ Opportunities for partnerships and referrals
✅ Insight into the broker model and growth platform
✅ Food, drinks, and a relaxed atmosphere

West Capital has been growing fast for a reason, and I’m grateful to be part of what’s happening here.

If you’d like details or want to RSVP, shoot me a message.

05/11/2026

🏡 Thinking about buying a home but assuming your credit score automatically disqualifies you?

You might be surprised.

There are still solid options available for:
✅ First-time buyers
✅ FHA loans
✅ VA loans
✅ Buyers rebuilding after financial hardship

A lot of people disqualify themselves before ever speaking to a lender.

Don’t do that.

Sometimes the issue isn’t “you can’t buy.”
It’s simply:
➡️ wrong strategy
➡️ wrong timing
➡️ wrong loan product

There’s a difference.

📩 Happy to answer questions without pressure.

05/08/2026

😂 Respectfully…

Google is not your loan officer.

Every week I speak with people who were convinced:
❌ “You need 20% down”
❌ “Rates are the same everywhere”
❌ “Student loans automatically kill approvals”
❌ “You can’t buy after a bankruptcy”

A 15-second TikTok is not a mortgage strategy.

Ask questions.
Run scenarios.
Get actual numbers.

That alone can save people thousands. Hit me up.