Fast approvals, flexible programs, and a dedicated team guiding every step.
1 minute · No credit check · No SSN required
NMLS #2838532
Loan Officer
DE · VA
States Licensed
NMLS #115981
Licensed Lender
20
Loan Programs
Start with your goal. I'll help you find the right program from there.
First home, move-up home or investment property. Find out what you can afford and which program fits, from FHA and VA to Conventional and down payment assistance.
See My Buying OptionsHow much can I afford? →Lower your rate or payment, shorten your term, or drop mortgage insurance. I'll show you the real numbers side by side so you can decide if it's worth it.
See My Refinance OptionsSee my break-even point →Keep your low first-mortgage rate and borrow against your equity with a HELOC or home equity loan for renovations, tuition or paying off higher-interest debt.
See My Equity OptionsHow much can I borrow? →From first-time buyers to seasoned investors, explore the program built for your situation.
Conventional Loan
The standard path to homeownership.
FHA Loan
Low down payment, flexible qualifying.
VA Home Loan
Serving those who served.
Rate & Term Refinance
Lower your rate or change your term, no cash out.
Home Equity Loan / HELOC
Tap your equity and keep your first mortgage.
Down Payment Assistance
Help covering your down payment and closing costs.
Bank Statement Loan
Qualify on cash flow, not tax returns.
DSCR Investor Loan
Qualify on the property's income, not yours.
Including Jumbo, ITIN, P&L, 1099, Asset Utilization, Renovation and Reverse Mortgages.
Different goals need different guidance. Here's where I can help most.
First-Time Homebuyers
Your first mortgage, explained step by step.
Low down payment options, help finding down payment assistance, and plain-language answers at every step, so you know exactly where you stand.
Luxury & Jumbo Buyers
High-balance financing with personal service.
Jumbo, asset-based and self-employed options for higher-priced homes, with a loan officer who handles your file personally from application to closing.
Realtors & Referral Partners
A lender who helps your deals close.
Fast pre-approvals your buyers can rely on, proactive status updates, and someone who picks up the phone, so your clients close on time.
Quick Turnaround
I work to close your loan quickly. Have a tight timeline? Tell me up front and I'll build the plan around it.
One Point of Contact
You work with me directly from your first question to closing. Call, text or email, and you'll hear back from me, not a call center.
Modern, Simple Process
Apply online, upload documents securely, and use the calculators and digital assistant on this site any time.
Already have a rate?
I'll work to beat it, or tell you honestly if it's already a great deal. No pressure and no credit pull to review it.
Best results with an official Loan Estimate issued within the last 10 days. Comparisons depend on the same loan program, amount, lock period and borrower profile. Not a commitment to lend; subject to credit approval and underwriting.
Kishore Kukalakuntla
Loan Officer
NMLS # 2838532
I'm Kishore Kukalakuntla, a Loan Officer with 1st 2nd Mortgage Co. of N.J., Inc. I'm licensed in Delaware and Virginia (NMLS #2838532) and work with first-time buyers, move-up buyers, homeowners who want to refinance or tap their equity, and real estate investors.
Not sure where to start? See your loan options in a minute, or apply online now.
1 minute · No credit check · No SSN required