"Working with Kammey Carouthers was an excellent experience! She was always professional, but very personable as well. Her expertise made our experience with the lender so easy and seamless. Thank you, Kammey, for ..."
Tena Stewart
The Right Mortgage Is Simpler Than You Think.
Finding the right loan doesn't have to be complicated. Whether you're buying your first home, refinancing, or exploring your options, the process starts with one conversation, and the right guidance makes all the difference. We match you with the mortgage product and terms that fit your goals, your budget, and your life.
I help buyers in Texas find the loan that fits. I'll tell you plainly when a loan doesn't make sense.
KammeyKammey Carouthers · NMLS 2044775
One conversation. No application, no credit pull.
Tell Kammey what you're trying to do. Kammey takes it from there.
Start the conversation
You're in
Thanks, there. Kammey has your details.
- Kammey reaches out personally, usually the same business day.
- You'll walk through the programs that fit your goal and see real numbers.
- You decide the next step: a written preapproval, a call, or keep the numbers for now.
Xpert Home Lending, Inc.NMLS #2179191Equal Housing Lender
Kammey Carouthers, NMLS #2044775
Licensed in Colorado and Texas
What happens next
Three Steps. No Pressure.
- 01
Tell Kammey your goal
Share a few basics so Kammey understands your timeline and budget. That's the whole form.
- 02
We match programs across our lender network
Xpert works with a large network of lenders. Kammey compares programs, pricing, and guidelines across them and highlights the options that fit you best.
- 03
You choose your path
Talk to Kammey, get a written preapproval, or keep the numbers for now. Your call.
Proof
Borrowers Who Work with Kammey
"Kammey went above and beyond on our refinance. Excellent service!!!"
Kathy Laramore
Before you fill out the form
The Questions That Stop People.
No. Sending this form doesn't touch your credit. If you decide to move toward a preapproval, Kammey asks for your permission first and tells you whether it's a soft or hard inquiry.
No. Your details go to Kammey and Xpert Home Lending's secure system so Kammey can follow up with you. We don't sell or rent your information to third parties. The privacy policy in the footer spells out exactly how it's used.
A bank can only offer its own programs. Xpert Home Lending works with a large network of lenders, so Kammey can compare programs, pricing, and guidelines across many of them and show you the options side by side. One conversation, many options, and you choose.
Often within one business day once Kammey has your income documents and your permission to run credit. If you're about to write an offer, say so and Kammey will prioritize it.