Kirby Slocum
Mortgage Loan Officer
Kirby is the loan officer who figures it out. When a file is complicated -- an investor who needs a DSCR loan, a doctor with $400K in student debt, a jumbo buyer with non-standard income -- Kirby is who agents and borrowers call. Calm, methodical, and deeply experienced in the loan products most local lenders don't even offer.
Mortgage Loan Officer
NMLS #680817
Ready to talk? Reach Kirby directly -- no call center, no runaround.
The Loan Officer Who
Figures It Out.
Most lenders work a standard checklist. W2, tax returns, credit score, done. That works fine for straightforward files. But a lot of buyers don't fit that box -- and that's exactly where Kirby lives.
Real estate investors who need DSCR loans. Physicians with enormous student debt and an even bigger income trajectory. Self-employed business owners whose tax returns don't reflect what they actually earn. Buyers purchasing high-value waterfront properties that need jumbo financing most local lenders won't touch. These are Kirby's people.
He's calm when files get complicated. He doesn't manufacture urgency or pretend a problem doesn't exist. He works the file, finds the path, and executes. Agents who refer him keep referring him because he makes hard things look easy.
The Loans Other Lenders
Don't Know How to Do
Kirby specializes in the loan products that require deeper expertise, broader product access, and the ability to think beyond standard underwriting. If another lender told you no, it's worth a conversation.
DSCR Loans
Qualify based on the investment property's rental income -- not your personal tax returns. The go-to product for real estate investors in Michigan, Ohio, and Indiana.
Doctor Mortgage Loans
Purpose-built for physicians, dentists, and licensed medical professionals. Student debt excluded from DTI. No PMI. Low or zero down. Designed for high earners early in their career.
Jumbo Loans
Above-conforming loan amounts for waterfront properties, high-value Northern Michigan real estate, and luxury purchases. Competitive rates, flexible guidelines.
Bank Statement Loans
Self-employed borrowers qualify using 12-24 months of bank deposits instead of tax returns. For business owners whose write-offs make their taxable income look smaller than their actual cash flow.
Asset Depletion Loans
Qualify based on documented assets rather than income. Ideal for retirees, high-net-worth borrowers, or anyone with significant liquid assets and lower reported income.
Portfolio Loans
Unique situations that don't fit agency guidelines. Kirby has access to portfolio products that allow flexible underwriting for the files other lenders can't close.
Who Kirby Works With
Borrowers who need a loan officer who's done this before and knows exactly what to do.
Real Estate Investors
DSCR loans, portfolio loans, and multi-property financing for investors growing a rental portfolio in Michigan, Ohio, and Indiana.
Physicians & Medical Professionals
Doctors, dentists, and licensed medical professionals who need a program that accounts for their income trajectory and excludes student debt from qualifying.
Jumbo & Waterfront Buyers
High-value property purchases above conforming loan limits -- Northern Michigan waterfront, luxury homes, and above-market purchases statewide.
Self-Employed Borrowers
Business owners and 1099 earners who qualify better on bank statement programs than on tax returns that don't reflect actual cash flow.
High-Net-Worth Borrowers
Asset depletion programs for retirees and wealth holders who have significant assets but lower reported income on paper.
Standard Home Buyers Too
Conventional, FHA, VA, USDA, and construction loans for everyday Michigan buyers. The specialty products are the differentiator -- but the foundation is solid across the board.
All Loan Programs Kirby Offers
From zero-down USDA to eight-figure portfolio loans -- Kirby runs the full stack.
DSCR Loans
Investment property qualified on rental income -- no personal income required
Doctor Mortgage Loans
Physicians, dentists, and licensed medical professionals
Jumbo Loans
Above-conforming, waterfront, high-value Northern Michigan properties
Bank Statement Loans
12-24 months deposits for self-employed qualifying
Asset Depletion Loans
Qualify on assets rather than income
Portfolio Loans
Flexible underwriting for unique situations
Conventional Loans
3% down, standard and conforming guidelines
FHA Loans
3.5% down, lower credit thresholds
VA Loans
Zero down for eligible veterans and active military
USDA Rural Development
Zero down in eligible Michigan rural areas
Construction Loans
One-time close for Northern Michigan builds
Refinance
Rate and term, cash-out, and investment property refi
Why Work With Kirby
He Picks Up
Call or text Kirby directly. No answering service, no hold queue, no callback system. When you need an answer, he gives you one.
He Works Hard Files
DSCR investors, self-employed borrowers, doctors with student debt, jumbo buyers with complex income -- Kirby has seen these files and knows the path through them.
He Knows the Products
Most local lenders don't offer DSCR, bank statement, or doctor mortgage programs. Kirby does. That product depth is what gets complicated files closed.
Calm Under Pressure
He doesn't manufacture urgency or catastrophize when something comes up. He addresses it, communicates what's happening, and keeps the file moving. Agents trust that.
Closes on Time
Kirby is organized and proactive throughout the process. Conditions get cleared early, not at the last minute. Closings happen on the date everyone expected.
Three States Covered
Licensed in Michigan, Ohio, and Indiana. Whether you're buying a Northern Michigan lake house or an investment property in Columbus, Kirby can run the loan.
Where Kirby Lends
Licensed in Michigan, Ohio, and Indiana -- with deep roots in Northern Michigan.
Ready to Get Started?
Apply online, call, text, or schedule a free consultation -- whatever works best for you.
Reach Kirby Directly
Real person. Real answers. No call center. Kirby handles his own communication -- you won't get passed around.
Apply with Kirby
Start Your Application →Kirby Slocum | NMLS #680817 | Union Home Mortgage NMLS #2229229 | Licensed in Michigan, Ohio & Indiana | Equal Housing Lender
Have a Complicated File? Let's Talk.
Call or text Kirby directly. If there's a path, he'll find it.
Common Questions About Working with Kirby
Kirby Slocum | Mortgage Loan Officer | NMLS #680817 | Kirby and Angie Mortgage Loan Team | Union Home Mortgage | NMLS #2229229 | Licensed in Michigan, Ohio, and Indiana. Equal Housing Lender. All loan programs subject to credit approval, underwriting, and eligibility requirements. Rates and terms subject to change without notice. This is not a commitment to lend.
