Kls Consulting

Mortgage Lender serving Austin, TX

About Kls Consulting

Founded in 2022, Ibex Strategy Group operates as both a direct mortgage banker and a mortgage broker, offering a dual approach to home financing. This unique structure allows them to provide a wide array of lending solutions, whether funding loans in-house or connecting clients with a broad network of partner lenders. Their mission is to simplify the mortgage process, leveraging technology to enhance efficiency and customer experience.

The company specializes in residential mortgage products, catering to diverse borrower needs with offerings such as Conventional, FHA, VA, and Jumbo loans. They also provide flexible Non-QM solutions, including bank statement and asset depletion programs, specifically designed for self-employed individuals and real estate investors. Ibex Strategy Group is committed to making homeownership accessible, including specific programs for first-time homebuyers.

With licenses across multiple states including California, Arizona, and Texas, Ibex Strategy Group employs digital capabilities like online applications, electronic document submission, and digital closing processes. This focus on modern mortgage solutions, combined with a commitment to personalized service, aims to provide a streamlined and convenient experience for clients seeking financing for primary residences, second homes, and investment properties.

Company Information

Founded: 2022
Lender Type: Direct Lender
Headquarters: Orange, CA

Licensed In

CAAZFLTXCOIDGAMDNCORPATNUTVAWA

Certifications & Credentials

FHA ApprovedVA Approved

Digital Capabilities

Online Application
Digital Document Upload
E-Signature
Digital Closing

Home Loan Products

Conventional Loans

Loan Types:
Conventional
Rate Types:
Fixed RateAdjustable Rate (ARM)
Property Types:
Single-Family HomeCondoTownhouseInvestment PropertyVacation/Second Home
Occupancy Types:
Primary ResidenceSecond HomeInvestment Property
Employment Types:
W-2 EmployeeSelf-Employed
Income Verification:
Full Documentation
Available Terms:
10 years15 years20 years25 years30 years
Credit Tiers:
Fair (620-679)Good (680-739)Excellent (740+)
3%
Min Down Payment
97%
Max LTV
620
Min Credit Score

FHA Loans

Loan Types:
FHA
Rate Types:
Fixed RateAdjustable Rate (ARM)
Property Types:
Single-Family HomeCondoTownhouse
Occupancy Types:
Primary Residence
Employment Types:
W-2 EmployeeSelf-Employed
Income Verification:
Full Documentation
Special Programs:
First-Time Homebuyer
Credit Tiers:
Poor (580-619)Fair (620-679)Good (680-739)Excellent (740+)
3.5%
Min Down Payment
96.5%
Max LTV
580
Min Credit Score

VA Loans

Loan Types:
VA
Rate Types:
Fixed RateAdjustable Rate (ARM)
Property Types:
Single-Family HomeCondoTownhouse
Occupancy Types:
Primary Residence
Employment Types:
W-2 EmployeeSelf-EmployedRetired
Income Verification:
Full Documentation
Special Programs:
Veteran Program
0
100%
Max LTV

Jumbo Loans

Loan Types:
Jumbo
Rate Types:
Fixed RateAdjustable Rate (ARM)
Property Types:
Single-Family HomeCondoTownhouseInvestment PropertyVacation/Second Home
Occupancy Types:
Primary ResidenceSecond HomeInvestment Property
Employment Types:
W-2 EmployeeSelf-Employed
Income Verification:
Full Documentation
Credit Tiers:
Good (680-739)Excellent (740+)
700
Min Credit Score

Non-QM Loans

Loan Types:
Non-QMBank StatementAsset DepletionDSCR
Rate Types:
Fixed RateAdjustable Rate (ARM)
Property Types:
Single-Family HomeCondoMulti-Family (2-4 units)Investment Property
Occupancy Types:
Primary ResidenceInvestment Property
Employment Types:
Self-EmployedInvestorBusiness Owner
Income Verification:
Bank StatementAsset DepletionStated Income
Special Programs:
Self-Employed ProgramBank Statement ProgramAsset Depletion Program

Refinance Programs

Loan Types:
RefinanceCash-Out Refinance
Rate Types:
Fixed RateAdjustable Rate (ARM)
Property Types:
Single-Family HomeCondoTownhouseMulti-Family (2-4 units)Investment PropertyVacation/Second Home
Occupancy Types:
Primary ResidenceSecond HomeInvestment Property
Employment Types:
W-2 EmployeeSelf-Employed1099 ContractorRetiredInvestorBusiness Owner
Income Verification:
Full DocumentationBank StatementAsset DepletionStated Income

Contact Information

401 Congress Ave.
Austin, TX 78701
US
Mailing Address:
333 City Blvd W #1700, Orange, CA 92868

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Business Information

Category: Mortgage Lender
Location: Austin, TX
Status: Standard
Founded: 2022
Type: Direct Lender
NMLS ID: 2289668
Profile Views: 13

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