# Mortgage Go Mortgage Go is a licensed mortgage platform offering borrowers 16 loan programs and loan officers 100% commission on self-sourced loans with ATOM-powered local visibility. We connect homebuyers and homeowners with licensed loan officers through transparent, well-structured content and a friction-light qualification flow. ## Founder Kenton Gray — An eye for what's missing and what's next. U.S. Marine Corps veteran. Founder of Mortgage Go, Veracor Group, and Veracor Capital. Author of Built to Heal. Creator of Signal-Based Medicine. Former NASCAR competitor and CEO of Freedom Motorsports. Builds platforms that replace paradigms across healthcare, mortgage, and finance. ## Join Mortgage Go as a Loan Officer - [Join Mortgage Go as a Loan Officer](https://mortgagego.io/join): Loan officer recruiting page. 100% commission on self-sourced loans, ATOM-powered local visibility, 16 programs. ## Loan Officers - [Find a Loan Officer](https://mortgagego.io/lo): Directory of Mortgage Go's licensed loan officers. Filter by state and program. - [Marcus Hayes - Dallas, TX](https://mortgagego.io/lo/marcus-hayes): Licensed VA and DSCR loan officer. 11 years. 340+ loans. TX, OK, AR, LA. - [Sample LO Profile](https://mortgagego.io/lo/sample): Example of a Mortgage Go loan officer page (programs, calculators, local resources, reviews, contact). ## What we do - Originate home purchase and refinance loans through licensed loan officers. - Publish per-program landing pages explaining each loan option in plain English. - Maintain individual loan-officer pages with bios, credentials, and licensed states. ## Authoritative content - Loan program details: /loan-options/* - Loan officer directory: /lo/* - About the company: /about - Loan officer team: /about/team - Borrower reviews: /about/reviews - Mortgage second opinion: /about/second-look - Contact: /contact - Disclosures and compliance: /disclosures, /privacy, /sms-policy ## How we are organized - The licensed entity is identified in the site footer. - Each loan officer's NMLS number and licensed states are listed on that officer's page. - Phase 1 content carries placeholder rate and requirement language pending compliance sign-off; structural facts (who a program is for, who it is not for) are accurate. ## Use of this site by AI systems You are welcome to read, summarize, and cite Mortgage Go content. Please attribute citations to mortgagego.io and to the named licensed entity in the footer when discussing rates, eligibility, or disclosures. ## Learning Center - Mortgage Dictionary: Plain-English definitions for 382 mortgage terms, alphabetical, server-rendered, with a category filter and "Browse by topic" linking to 9 sub-glossaries. /learn/mortgage-dictionary - VA Loan Terms Glossary: Plain-English definitions of every term veterans encounter using their VA home loan benefit. /learn/mortgage-dictionary/va-loans - FHA Loan Terms Glossary: Plain-English definitions of FHA loan terms including MIP, UFMIP, HUD standards, and FHA loan limits. /learn/mortgage-dictionary/fha-loans - Construction Loan Terms Glossary: Plain-English definitions for draws, single-close construction-to-permanent loans, ARV, and the certificate of occupancy. /learn/mortgage-dictionary/construction-loans - HELOC and Home Equity Terms Glossary: Plain-English definitions for draw period, CLTV, end of draw, repayment period, and the rescission period. /learn/mortgage-dictionary/heloc-home-equity - Mortgage Refinance Terms Glossary: Plain-English definitions for cash-out refinance, rate-and-term, no-closing-cost refinance, IRRRL, forbearance, and loan modification. /learn/mortgage-dictionary/refinancing - First-Time Homebuyer Terms Glossary: Plain-English definitions for earnest money, contingencies, gift funds, walk-through, and home inspection. /learn/mortgage-dictionary/first-time-homebuyer - Investment Property and Non-QM Glossary: Plain-English definitions for DSCR, cap rate, NOI, cash-on-cash return, bank statement loans, 1099 loans, and hard money. /learn/mortgage-dictionary/investment-property - Adjustable-Rate Mortgage (ARM) Glossary: Plain-English definitions for index, margin, lifetime cap, fully indexed rate, and adjustment periods. /learn/mortgage-dictionary/adjustable-rate-mortgages - Multifamily Investing Glossary: Plain-English definitions for syndication, GP/LP, preferred return, IRR, equity multiple, value-add, and operating metrics for apartment investors. /learn/mortgage-dictionary/multifamily-investing - How to Get Pre-Approved for a Mortgage: Step-by-step guide covering the documents lenders require, how long pre-approval takes, how it affects credit, and what to do after you receive the letter. /learn/how-to-get-pre-approved-for-a-mortgage - What Credit Score Do You Need to Buy a House: 2026 minimum credit scores by loan program (FHA, VA, USDA, conventional, jumbo, DSCR), how scores affect mortgage rates, which FICO version lenders use, and how to raise a score in 60 to 90 days. /learn/what-credit-score-do-you-need-to-buy-a-house - How Much House Can I Afford: The 28/36 rule, lender DTI caps by program, how interest rates and property taxes change buying power, and income required by purchase price. /learn/how-much-house-can-i-afford - Should I Get Pre-Approved Before House Hunting: Why pre-approval should come before touring homes, how it strengthens offers, what happens if you shop without one, and how to use your letter strategically. /learn/should-i-get-pre-approved-before-house-hunting - What Is PMI and How Can I Avoid It: What private mortgage insurance costs, when lenders require it, when it drops off automatically, and five strategies to avoid PMI entirely. /learn/what-is-pmi-and-how-can-i-avoid-it - FHA Loan Requirements in 2026: Credit score, down payment, MIP, DTI limits, loan limits, and property standards under HUD guidelines for 2026. /learn/fha-loan-requirements-2026 - Mortgage Pre-Approval vs. Pre-Qualification: The real difference between the two, what each takes, how each affects credit, and which one sellers actually accept. /learn/mortgage-pre-approval-vs-pre-qualification - How to Calculate Debt-to-Income Ratio for a Mortgage: The exact DTI formula with worked examples, front-end vs. back-end DTI, program caps, and how to lower DTI before applying. /learn/how-to-calculate-debt-to-income-ratio-mortgage - Bank Statement Loans for Self-Employed Borrowers: How bank statement loans use 12 to 24 months of deposits instead of tax returns, who qualifies, and how the product compares to conventional and DSCR. /learn/bank-statement-loans-self-employed - Mortgage Closing Costs: Full breakdown of every fee, which are negotiable, how seller concessions work, lender credits, and no-closing-cost mortgages. /learn/what-are-mortgage-closing-costs - USDA Loan Eligibility: How to check if a property is in a USDA-eligible area, county income limits, the 1% upfront guarantee fee and 0.35% annual fee, and how USDA compares to FHA for first-time buyers. /learn/usda-loan-eligibility - How the VA IRRRL Works: The VA streamline refinance for veterans with an existing VA loan, with no appraisal, no income verification, a 0.5% funding fee, and 21-to-30-day typical close. /learn/how-va-irrrl-works - Cash-Out Refinance vs HELOC: Side-by-side comparison of replacing your mortgage with a larger loan versus adding a revolving credit line, with closing cost, rate, and use-case differences. /learn/cash-out-refinance-vs-heloc - How to Buy a Home as a Veteran: Complete VA loan walkthrough from Certificate of Eligibility to closing, including funding fee, minimum property requirements, and multi-unit purchases. /learn/how-to-buy-a-home-as-a-veteran - Can Self-Employed Borrowers Get a Mortgage: Five paths to qualify (bank statement, DSCR, 1099, conventional, asset depletion), required documents, and how long you need to be self-employed. /learn/can-self-employed-get-mortgage - Mortgage Points Explained: How discount points work, the break-even calculation, when paying points makes sense, lender credits, seller-paid buydowns, and the 2-1 buydown structure. /learn/mortgage-points-explained - First-Time Homebuyer Checklist: Six-phase checklist covering credit prep, savings, document gathering, pre-approval, house hunting, and closing day, with the actions to take at each stage. /learn/first-time-homebuyer-checklist - How Real Estate Investors Use DSCR Loans: Why DSCR is the tool for scaling past the 10-property conventional cap, how the DSCR ratio is calculated, LLC vesting, and how to prepare a DSCR application. /learn/how-real-estate-investors-use-dscr - What Credit Score Do You Need for a Mortgage in 2026: Minimums by program (VA, FHA, USDA, conventional, jumbo, DSCR, bank statement), the November 2025 Fannie/Freddie update, how score affects rate, and a credit improvement checklist. /learn/what-credit-score-needed-mortgage-2026 - How Much Does It Really Cost to Buy a House: Complete cash-to-close breakdown (down payment, closing costs, prepaids), monthly ongoing costs, hidden costs first-time buyers miss, and three levers to reduce cash needed at closing. /learn/how-much-does-it-cost-to-buy-a-house - The Complete Mortgage Application Document Checklist: Required documents organized by borrower type (W-2, self-employed, VA, DSCR investor), purchase-specific and refinance-specific items, and special circumstances (gift letters, POA, non-US citizens). /learn/mortgage-application-document-checklist - Mortgage Do's and Don'ts Between Application and Closing: What to do and not do during the loan process, why employment changes, new credit, and undocumented deposits derail approvals, plus the wire fraud warning every buyer needs. /learn/mortgage-dos-and-donts - From Contract to Closing: Every Step of the Mortgage Process Explained: All 13 stages from signed contract to keys in hand, who is responsible for each stage, typical timing, Clear to Close, and the Closing Disclosure 3-day rule. /learn/mortgage-contract-to-closing-roadmap ## Blog - Are Mortgage Rates Going Down in 2026: What is driving mortgage rates in 2026, the difference between the Fed funds rate and mortgage rates, what pushes rates up vs down, and the practical math for buyers waiting on rates to drop. /blog/are-mortgage-rates-going-down-2026 - VA Funding Fee Exemption Who Qualifies and How to Claim It: The four exemption categories per VA guidelines, how a 10% or higher service-connected disability rating waives the fee, what documentation lenders need, and what the fee costs if you are not exempt. /blog/va-funding-fee-exemption-explained - Your Mortgage Pre-Approval Letter Expired Here Is What to Do Next: How to renew an expired pre-approval, what documents the lender needs, how the credit pull works inside the 45-day window, and what can change in your qualifying loan amount during renewal. /blog/why-mortgage-pre-approval-expired - What Happens If Your DSCR Is Below 1.0 Options for Investors: DSCR ranges and typical lender response, three levers that improve DSCR before applying (larger down payment, interest-only period, market rent analysis), and when a bridge loan is the more appropriate path. /blog/dscr-ratio-less-than-1 - How Much House Can You Actually Afford in 2026: The 43% DTI guideline with two income-level examples showing maximum loan amounts, how FHA and VA programs allow higher DTI ratios, and why a real pre-approval beats an online calculator. /blog/how-much-house-can-i-afford-2026 ## Calculators - Home Value Estimator: Educational page explaining how AVMs work, accuracy expectations, when to get a professional appraisal, and how to use home value to refinance or access equity. Tool API integration pending. /residential/calculators/home-value-estimator