Barry and Shane Krevoy, Senior Mortgage Advisors at the Krevoy Team, bring deep industry expertise and personalized support to every mortgage journey. Licensed in CA, OR, and TN, they offer strategic home loan guidance tailored to your needs—helping you buy, refinance, or invest with confidence.
From first-time homebuyers to seasoned investors, we offer a wide range of Home Loan and Mortgage solutions designed to meet your unique needs. Discover competitive rates, flexible terms, and expert support to help you achieve your homeownership goals.
Conventional home loans offer competitive interest rates, flexible loan terms, and broad eligibility for borrowers with strong credit. These loans are not backed by the government, making them ideal for purchasing a primary residence, second home, or investment property. With a streamlined approval process and varied financing options, conventional loans provide a stable, cost-effective path to homeownership—especially for buyers who meet standard income and credit qualifications.
An FHA home loan is ideal for first-time homebuyers or those with less-than-perfect credit. Backed by the Federal Housing Administration, this loan offers low down payment requirements, flexible credit standards, and competitive interest rates. Designed to make homeownership more accessible, FHA loans help buyers secure financing with lower upfront costs—especially in high-demand markets. It’s a trusted option for anyone needing a more affordable path to homeownership.
VA home loans are a powerful benefit for veterans, active-duty service members, and eligible spouses. Backed by the U.S. Department of Veterans Affairs, these loans offer no down payment, no private mortgage insurance (PMI), and competitive interest rates. With flexible credit requirements and reduced closing costs, VA loans make homeownership more affordable for those who have served—providing long-term stability and financial peace of mind for military families.
Jumbo home loans are designed for financing luxury properties or homes that exceed conventional loan limits. These loans offer higher borrowing amounts, competitive interest rates, and flexible underwriting to support larger financial needs. Ideal for buyers in high-cost markets like California and Florida, jumbo loans provide the freedom to secure high-value real estate without standard loan restrictions—making them perfect for primary residences, vacation homes, or investment properties.
Our self-employed mortgage solutions are designed for business owners, freelancers, and independent contractors who don’t have traditional W-2 income. These loans use alternative documentation like tax returns, profit-and-loss statements, or bank statements to verify income. With flexible guidelines, competitive rates, and personalized support, we make it easier for self-employed borrowers to achieve homeownership without the typical challenges of proving income through conventional means.
Non-Qualified Mortgage (NQM) loans are designed for borrowers who don’t meet traditional lending criteria due to non-traditional income, recent credit events, or complex financial situations. These loans offer flexible documentation options, such as bank statements or asset-based income, and are ideal for self-employed individuals or those with unique needs. With customized terms and competitive rates, NQM loans make homeownership possible outside standard loan guidelines.
Bank statement loans are ideal for self-employed borrowers who can’t qualify using traditional income documentation. Instead of W-2s or pay stubs, lenders use 12 to 24 months of bank statements to verify income. These loans offer competitive rates, flexible terms, and a streamlined approval process. Perfect for business owners, freelancers, and contractors, bank statement loans make homeownership accessible by recognizing real income and cash flow.
Investment property financing is designed for buyers looking to grow their real estate portfolio through rental properties, vacation homes, or multi-unit investments. These loans offer competitive interest rates, flexible terms, and underwriting that considers rental income potential. Whether you’re a first-time investor or seasoned landlord, this financing helps you build long-term wealth through real estate while maximizing returns and expanding your investment strategy with confidence.
ITIN loans help individuals without a Social Security number qualify for a mortgage using an Individual Taxpayer Identification Number (ITIN). Designed for non-U.S. citizens, these loans offer flexible documentation, competitive interest rates, and options tailored to diverse financial backgrounds. Whether you’re buying your first home or investing in real estate, ITIN loans make homeownership more accessible for immigrant families and others building a future in the United States.
Refinance home loans help you lower your interest rate, reduce monthly payments, or access home equity to meet your financial goals. Whether you’re consolidating debt, funding home improvements, or shortening your loan term, refinancing offers competitive rates and flexible terms. With a streamlined process, refinancing gives you the opportunity to realign your mortgage with your current financial situation and improve your long-term financial stability.
A cash-out refinance lets you replace your existing mortgage with a new, larger loan—giving you access to your home’s equity in cash. Use the funds for home improvements, debt consolidation, or major expenses. With competitive interest rates and flexible terms, this option helps you make the most of your property’s value while keeping a single, manageable monthly payment and improving your overall financial position.
Renovation and construction loans provide financing for building a new home or upgrading an existing property. These loans cover both construction costs and long-term mortgage financing, all in one package. With flexible draw schedules, competitive rates, and expert guidance, they’re ideal for buyers or homeowners looking to create a custom space. Turn your vision into reality while building equity and increasing your home’s overall value.
USDA home loans offer zero down payment, low interest rates, and flexible credit guidelines, making them ideal for buyers in eligible rural and suburban areas. Backed by the U.S. Department of Agriculture, these loans are designed to support low to moderate-income households and promote affordable homeownership. With reduced upfront costs and long-term savings, USDA loans provide a clear path to owning a home in growing, community-focused areas.
First-time homebuyer loans and Down Payment Assistance (DPA) programs help you purchase a home with low upfront costs. These options offer reduced down payments, flexible credit requirements, and may include grants or forgivable loans to assist with closing costs. Perfect for those entering the market for the first time, these programs make homeownership more accessible, giving you the financial support to confidently take that important first step.
A reverse mortgage allows homeowners 62 and older to access their home equity without monthly mortgage payments. Use the funds to cover living expenses, home improvements, or even to purchase a new home. You can also refinance an existing reverse mortgage to improve terms. With a reverse mortgage, you can stay in the home you love while enjoying greater financial flexibility during retirement.
We’re Barry and Shane, a father-and-son duo committed to making your homebuying journey as smooth and stress-free as possible. With over 20 years of experience under our belts, we’ve seen it all — and we’re here to guide you every step of the way.
We started out in the mortgage industry working with some of the biggest names out there, but in 2022, we joined Arbor Financial to focus on what we love most: providing personalized mortgage solutions that truly make a difference in our clients’ lives. Whether you’re a first-time buyer, a veteran, or someone looking to refinance, we’ve got the tools and expertise to help you reach your goals.
From first-time homebuyers to seasoned investors, we offer a wide range of Home Loan and Mortgage solutions designed to meet your unique needs. Discover competitive rates, flexible terms, and expert support to help you achieve your homeownership goals.
From first-time homebuyers to seasoned investors, we offer a wide range of Home Loan and Mortgage solutions designed to meet your unique needs. Discover competitive rates, flexible terms, and expert support to help you achieve your homeownership goals.
Barry and Shane Krevoy are trusted mortgage advisors known for their in-depth knowledge, dedication to service, and ability to simplify the lending process. Their family-based approach means every client receives honest advice, clear communication, and a high level of personalized care.
Licensed in California, Oregon, and Tennessee, Barry and Shane offer a wide range of loan solutions and are committed to helping clients succeed. Whether you are a first-time buyer, a returning homeowner, or a real estate investor, the Krevoy Team will guide you through the mortgage process with professionalism and attention to your unique needs.
From first-time homebuyers to seasoned investors, we offer a wide range of Home Loan and Mortgage solutions designed to meet your unique needs. Discover competitive rates, flexible terms, and expert support to help you achieve your homeownership goals.
A Conventional Loan is ideal for borrowers with strong credit and offers flexible terms with competitive rates. In contrast, an FHA Loan is backed by the government and designed for those with lower credit scores or smaller down payments, making homeownership more accessible.
VA Loans are available to active-duty service members, veterans, and eligible surviving spouses. To qualify, you’ll need a Certificate of Eligibility (COE) from the VA, meet credit and income requirements, and plan to use the home as your primary residence.
A Jumbo Loan is a mortgage that exceeds the conforming loan limits set by Fannie Mae and Freddie Mac. If you’re purchasing a high-value home that requires financing beyond conventional limits, a Jumbo Loan provides the funding you need with flexible terms.
Yes! Bank Statement Loans and Non-QM Loans are great options for self-employed borrowers. Instead of W-2s, these loans use bank statements or alternative income verification to qualify, making homeownership accessible for entrepreneurs and freelancers.
An ITIN Loan is designed for borrowers without a Social Security number but who have an Individual Taxpayer Identification Number (ITIN). These loans provide financing options for non-U.S. citizens looking to buy a home, using alternative forms of credit and income verification.
A HELOC (Home Equity Line of Credit) is a revolving credit line that lets you borrow against your home’s equity as needed. A Cash-Out Refinance replaces your existing mortgage with a new loan for a higher amount, giving you a lump sum of cash upfront.
Investment Property Loans are designed for purchasing rental properties or second homes. Lenders often require a higher down payment and stronger credit score, but these loans allow you to generate income and build wealth through real estate.
A USDA Loan offers zero down payment, low interest rates, and reduced mortgage insurance for homebuyers in eligible rural areas. It’s a great option for those looking for affordable homeownership with government-backed security.
An ARM starts with a fixed interest rate for an initial period (e.g., 5 or 7 years), then adjusts periodically based on market rates. It’s ideal for buyers who plan to move or refinance before the rate adjusts.
A Reverse Mortgage allows homeowners aged 62+ to convert home equity into cash, with no monthly mortgage payments required. The loan is repaid when the homeowner sells the home, moves out, or passes away, making it a valuable retirement tool.
Yes! While credit scores impact refinancing options, FHA Streamline Refinance or Non-QM Loans may allow you to refinance with lower requirements. Improving your credit before refinancing can also help secure better rates.
The first step is to get pre-approved! This involves a quick review of your credit, income, and financial situation. Pre-approval gives you a clear picture of what you can afford and makes home shopping easier. Ready to get started? Let’s talk!
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