Preston Kirkhart, NMLS #1977849 -Wichita, KS

06/15/2026

🏡 STOP WAITING FOR THE “PERFECT TIME” TO BUY A HOME. 🏡

What if you could get 3.5% to 5% toward your down payment and closing costs?

That’s real money that could help you get into a home sooner without draining your savings.

✅ First-Time Homebuyers Welcome
✅ Funds Can Be Used for Down Payment & Closing Costs
✅ FHA, USDA, VA, and Conventional Options Available
✅ Start Building Equity Instead of Paying Rent

Too many buyers think they need 20% down or tens of thousands in the bank to buy a home. The truth? There may be programs available that can help make homeownership more affordable than you think.

Let’s run the numbers and see what’s possible.

📲 Message me today for a free consultation.

05/04/2026

JUST CLOSED 🏡🔑

Another investment property in the books using a DSCR loan.

This one came together efficiently with clear communication and a smooth process from start to finish—exactly how these deals should go.

No personal income docs. No tax returns.
Just a solid property and a plan that made sense.

Proud to help investors continue building and growing their portfolios 📈

If you’re looking at rental properties and want to see what your numbers could look like, let’s connect.

04/17/2026

At Union Home Mortgage, our goal is to help as many people as possible achieve the dream of homeownership. With the UHM Grant, homebuyers can get up to $2,000 to help pay for their down payment and closing costs. Contact me to see if you qualify!

04/15/2026

With several products available and even 0% down payment options, UHM can help find the right mortgage for you. Contact me to learn more!

12/09/2025

09/18/2025

✨ Big News ✨

As many of you have heard, Sierra Pacific Mortgage has officially joined forces with Union Home Mortgage (UHM)! 💜💚

This is an exciting new chapter — one filled with growth, innovation, and opportunities to bring even more value to the incredible agents, builders, and families I’m blessed to work alongside every day.

We’re the same trusted team, now backed by even more tools and resources to deliver better outcomes for everyone we serve. 🏡✨

While I’ll always be grateful for the Sierra Pacific family and all the memories made, I couldn’t be more pumped about what’s ahead with UHM. Their culture, tools, and vision align perfectly with the way I want to serve this industry — and I can’t wait to share the cool things coming your way.

Here’s to new beginnings, stronger partnerships, and helping even more families achieve the dream of homeownership.

08/23/2025

💡 Did you know you don’t need W-2 income or tax returns to qualify for certain investment property loans?

That’s the beauty of a DSCR loan (Debt Service Coverage Ratio). Instead of focusing on your personal income, lenders look at the property itself.

👉 If the rent covers the mortgage (and then some), you could qualify.
👉 Perfect for real estate investors growing their portfolio.
👉 Keeps things simple, streamlined, and focused on cash flow.

Ready to see if your property qualifies? Let’s talk.

06/15/2025

It’s easy to focus on interest rates when thinking about a mortgage — but your monthly payment includes more than just that.

Depending on your loan and property, your payment may also include:
• Property taxes
• Homeowners insurance
• Mortgage insurance (if required)
• HOA dues (if applicable)
• Loan term and loan type

Looking at the full picture helps you budget confidently and avoid surprises down the road.

This is not a commitment to lend. All loans are subject to credit, underwriting, and property approval. Terms, conditions, and requirements vary by program. Contact us for more information.

06/13/2025

Let’s talk paperwork.

Having your documents ready—like pay stubs, bank statements, and tax returns—can help make the mortgage process more efficient when the time comes.

Preparation today can help simplify the steps tomorrow.

Disclaimer: Not a commitment to lend. All loans subject to credit and underwriting approval. Document requirements may vary. Contact your Loan Officer for more information.

06/11/2025

4 things to understand before you start house hunting:

1. Credit Score
Your credit impacts what you may qualify for. Check yours early so you can address any issues before applying.

2. Monthly Budget
It’s not just about the home price—your monthly payment includes taxes, insurance, and more. Know your full range.

3. Documents You’ll Need
Get organized with recent pay stubs, W2s, bank statements, and ID. Having these ready helps speed things up.

4. Talk to a Loan Officer Early
Even if you're not “ready,” a conversation can help you understand next steps and avoid surprises later.

Knowledge = confidence. You don’t need to figure it out alone—just be willing to ask.

Disclaimer: Not a commitment to lend. All loans subject to credit and underwriting approval. Contact your Loan Officer for details.