Introducing DTWB (Ditch the Woke Banks): A Revolutionary Approach to Mortgages Puts American Homeowners First

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In a bold move to revolutionize the mortgage industry, Kinfolk Home Loans is proud to announce the launch of DTWB (Ditch the Woke Banks), a groundbreaking initiative that challenges the status quo and prioritizes the needs of American homeowners over corporate interests. With a strong commitment to fostering long-lasting relationships, providing best-of-market pricing, and ensuring transparency throughout the loan process, Kinfolk Home Loans aims to be the go-to mortgage partner for individuals and families across the nation.

The traditional big banks and retail mortgage lenders have lost sight of what truly matters: the American homeowner. Driven by concerns about stock prices and Environmental, Social, and Governance (ESG) scores, these institutions have been neglecting the interests of their clients. However, Kinfolk Home Loans is challenging this approach head-on. Big banks and lenders are transactional and care about bottom lines. Kinfolk Home Loans sees themselves as fiduciaries with an obligation to put the client first and have their best interest in mind. Their aim is to build a book of business based on trust and exceptional customer experiences, where clients become lifelong partners and advocates.

Kinfolk Home Loans is partnered with the largest mortgage company on the planet, UWM, which allows them to access wholesale pricing on all mortgage loans. This advantage, coupled with their low overhead and client-centric approach, enables Kinfolk Home Loans to offer interest rates that are on average half to a full percent less than those of retail banks and mortgage lenders. Additionally, they have been able to reduce closing costs for their clients by an average of $9,600.

The company is proud to provide swift and accurate responses to clients’ inquiries, with quotes delivered within 20 minutes, a significant contrast to the delays faced by borrowers with other lenders. As one of the few players in the market, Kinfolk Home Loans proactively educates its clients about the nuances of rates and closing costs, empowering them to make informed decisions that suit their financial goals. This emphasis on transparency and choice sets them apart as a trustworthy and reliable mortgage partner.

One of the most unique aspects of DTWB is Kinfolk Home Loans’ unwavering commitment to clients’ financial well-being beyond the initial loan process. They understand that the mortgage marketplace is cyclical and that rates can fluctuate over time. To address this, the company offers a loan tracking system and regular check-ins every six months to provide mortgage marketplace updates. If there is an opportunity to help clients get a better deal, whether by reducing rates, taking cash-out for upgrades or bills, or shortening the loan term, Kinfolk Home Loans does it at cost, demonstrating their genuine dedication to saving their clients money.

Reputation matters deeply to Kinfolk Home Loans. Understanding the tarnished image that the mortgage industry endured after the 2008 collapse, the company places significant emphasis on building trust and respect with clients and realtors. They recognize that trust is earned and are committed to proving their dedication to their clients at every step of the process.

Kinfolk Home Loans has perfected their mortgage process, streamlining it to ensure that clients only interact with a loan officer and a VP of RISK. This streamlined approach minimizes redundancies and miscommunications, resulting in a quick and smooth closing process without any unnecessary stress for the homeowner.

As they officially launch the DTWB initiative, Kinfolk Home Loans is on a mission to inspire homeowners across the nation to take control of their mortgage journey and choose a partner that puts their best interests first. They aim to empower clients by providing them with the right knowledge, tools, and support to make informed decisions about their homes and finances.

As such, with Kinfolk Home Loans, you’re not just getting a mortgage; you’re gaining a lifelong friend in the industry.

The DTWB campaign aims to challenge the conventional mortgage industry and redefine the relationship between lenders and homeowners. By prioritizing transparency, choice, and client satisfaction, Kinfolk Home Loans aims to motivate individuals to make informed financial decisions that will positively impact their lives.

For more information about the DTWB initiative and how Kinfolk Home Loans is revolutionizing the mortgage industry, visit

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