Mortgage King

10/13/2025

Meet Bidesh Dhakal (NMLS #2045124) — a social worker, family man, good friend, media champion, and soccer lover with a Bachelor’s degree, whose passion for helping people has fueled his remarkable path in the mortgage world.

Since 2020, Bidesh has navigated the complex world of home financing with skill and dedication. His previous experience includes working at various lenders and brokers such as Fairway, Everest, and DTL, each chapter shaping him into the expert he is today.

And now… the story continues. 📖✨ Bidesh joins The King Team as our newest Loan Expert, ready to guide families toward their dream homes with the same heart, integrity, and drive that has defined his journey.

Welcome to the royal family, Bidesh — the crown fits perfectly. 👏⚽🏡

07/29/2025

Why do families choose Mortgage King?
Because we treat your home dream like our own.
From first-time buyers to seasoned investors—we’ve got your back.
💙 Real people. Real results.

06/04/2025

🚀 Join the Mortgage King Team!
We’re expanding and looking for motivated loan officers ready to grow with a winning team.
🏆 Competitive comp plans
🤝 Hands-on support
🌍 Remote-friendly & multi-state licensed
💼 Call us: 614-596-8360

04/04/2025

The mortgage loan process can be hectic and make life difficult for some people. It requires experience and heart to do it the right way. It involves listening to your needs as well as handling details you may not even be aware of. Talk to experts you can trust. At Mortgage King , we always go above and beyond, following our "no stone unturned" policy. Check us out, and you’ll see the difference!

02/14/2025

We’re thrilled to share that Mortgage King now works with some of the top lenders in the industry! Our partnerships with Rocket Mortgage, Freedom Mortgage, PennyMac, Provident Funding, and Plaza Home Mortgage mean more options, better rates, and a smoother home financing experience for you.

Why These Lenders?
✅ Rocket Mortgage – Love convenience? Rocket Mortgage makes the loan process super easy with fast approvals, real-time rate updates, and a seamless digital experience.

✅ Freedom Mortgage – The go-to lender for VA, FHA, and conventional loans. They offer great options for veterans, first-time buyers, and anyone looking for flexible loan programs.

✅ PennyMac – One of the biggest names in mortgages, PennyMac specializes in low-interest rates and refinancing solutions that help make homeownership more affordable.

✅ Provident Funding – They don’t call it The Mortgage Price Leader for nothing! Provident Funding is all about competitive rates and a streamlined process, helping borrowers secure great deals with ease.

✅ Plaza Home Mortgage – Whether you’re self-employed, an investor, or need a renovation loan, Plaza Home Mortgage has flexible options to fit your unique needs.

At Mortgage King, we’re all about finding the right loan for you. With access to multiple lenders, we make sure you get the best rates, flexible terms, and a stress-free experience from start to finish.

📞 Ready to explore your options? Give us a call today!

02/10/2025

Would you like to meet us in person? Feel free to visit us at our office:
12927 Stonecreek Drive
Suite F2
Pickerington, OH 43147

01/23/2025

Mortgage and Home Buying Process:
1. Pre-Approval: Before you start house hunting, it's a good idea to get pre-approved for a mortgage. This involves working with a lender to determine how much you can borrow based on your income, credit score, debt, and assets. Pre-approval gives you a clearer budget and shows sellers you're a serious buyer.

2. House Hunting: Once you're pre-approved, you can begin searching for homes within your budget. This involves working with a real estate agent who can help you find properties, arrange viewings, and negotiate offers. It’s important to think about what you need and want in a home, such as location, size, and amenities.

3. Make an Offer: When you find the right home, you make an offer to the seller. Your real estate agent will help you determine a fair price based on market conditions and comparable sales. The seller can accept, reject, or counter your offer.

4. Home Inspection: Once your offer is accepted, you typically schedule a home inspection. This is an essential step where a professional checks the house for any hidden issues or potential repairs. If any major problems are found, you may renegotiate the price or ask the seller to make repairs.

5. Secure Financing: After your offer is accepted and the inspection is complete, you'll finalize your mortgage loan. This involves submitting additional documentation to the lender for underwriting (e.g., proof of income, tax returns). The lender will then determine your loan terms and finalize the mortgage.

6. Appraisal: The lender will order an appraisal to ensure the home is worth the price you agreed upon. The appraiser will assess the property’s value, taking into account the condition, location, and comparable sales in the area.

7. Closing Process: Once everything is approved, you move to the closing phase. This is where you sign all the necessary paperwork and legally transfer the property to your name. You’ll also pay closing costs, which typically include fees for the loan, title insurance, property taxes, and other administrative costs.

8. Post-Closing: After closing, you officially own the home and begin making mortgage payments. Your lender will provide you with a schedule of monthly payments, which will include principal, interest, and possibly taxes and insurance.

01/10/2025

Please join us in welcoming Upendra Kuikel to the Mortgage King team. Upendra holds a Bachelor's degree in Civil Engineering and is currently working toward his Master's. In addition to his service in the U.S. Army, he has been deeply committed to community development, particularly in education, and has taught karate for over nine years. With a strong passion for helping others, Upendra is dedicated to serving clients with their best interests in mind. Outside of work, he enjoys running, hiking, and playing football (soccer).

12/16/2024

Mortgage King is excited to announce the launch of our mortgage loan officer training program for a select group of motivated individuals in CO, MA, TN, WA, IN, FL, VT, and NH. If you're looking to start a new career and explore this opportunity, give us a call at 614-596-8360.

09/19/2024

Mortgage rates are influenced by a combination of macroeconomic factors, borrower-specific criteria, and the type of mortgage product. Here’s a breakdown of the key influences:

1. Macroeconomic Factors:
Federal Reserve Policy: The Fed doesn’t directly set mortgage rates, but its actions influence the overall interest rate environment. When the Fed raises or lowers the federal funds rate, it impacts the broader economy, including mortgage rates.
Inflation: Higher inflation typically leads to higher mortgage rates, as lenders demand higher returns to offset the loss of purchasing power over time.
Economic Growth: Strong economic growth can push rates higher as increased demand for loans and competition for capital drives up borrowing costs.
Bond Market: Mortgage rates are closely tied to the yields on long-term government bonds, especially the 10-year Treasury note. When bond prices fall and yields rise, mortgage rates tend to increase.
Global Events: Geopolitical events, financial crises, or changes in global economic conditions can impact mortgage rates as investors move money between safer and riskier assets.
2. Borrower-Specific Criteria:
Credit Score: Higher credit scores generally qualify for lower mortgage rates because they represent lower risk to lenders.
Down Payment: A larger down payment can result in a lower interest rate because it reduces the lender's risk.
Loan Amount & Type: Jumbo loans, which exceed conforming loan limits, often have higher rates. Different loan types (e.g., conventional, FHA, VA) may also have different rates.
Debt-to-Income Ratio (DTI): Lower DTI ratios can lead to better mortgage rates, as they indicate more financial stability.
3. Type of Mortgage Product:
Fixed-Rate vs. Adjustable-Rate: Fixed-rate mortgages have stable interest rates, while adjustable-rate mortgages (ARMs) can vary based on market conditions after an initial fixed period.
Loan Term: Shorter-term loans (like 15-year mortgages) generally have lower rates than longer-term loans (like 30-year mortgages) because they are less risky for lenders.
4. Lender-Specific Factors:
Lender Policies: Different lenders may offer different rates based on their business models, operating costs, and profit margins.
Discount Points: Borrowers can "buy down" the rate by paying points upfront, which reduces the interest rate over the life of the loan.
Overall, a combination of these factors determines the specific mortgage rate a borrower will receive at any given time.

09/02/2024