Frequently Asked Questions

Because the right financing depends on far more than the rate — and applying for the wrong product can cost you time, money, and credit activity. A conversation first helps you understand and compare your options, so you apply once, for the right thing.

Yes — it's free and carries no obligation.

No. There's no pressure to apply on the first call or ever. The consultation exists to help you understand your options, full stop.

A Kyon specialist. Kyon Capital was founded by Dr. Marcos Medeiros, a finance professor and 30-year capital-markets practitioner, and the team works to his standards.

A Kyon specialist typically responds within one business day to schedule your consultation by email, text, or phone.

Yes — we welcome you in English, Portuguese, and Spanish. Hablamos español. Falamos português.

A wide range — including conventional, FHA, VA, USDA, jumbo, first-time buyer programs, down-payment assistance, renovation, refinance, cash-out, home equity options, and alternative-documentation paths — depending on your situation and program guidelines.

Kyon is a real estate lender. Consumer mortgage financing is handled through the licensed mortgage origination relationships identified in our disclosures. We will confirm the lender and loan terms for your transaction.

There is no charge for your initial financing consultation. Any origination, lender and closing fees for your loan are disclosed before you commit.

Yes — we help first-time buyers understand their options, including low-down-payment paths and assistance they may be eligible for.

Yes. When standard income documentation doesn't fit, there may be alternative-documentation paths available depending on eligibility. We'll talk through what fits how you actually earn.

Yes — we can help you evaluate all of these. Availability depends on eligibility and program guidelines, and reverse mortgages (for homeowners 62+) involve their own considerations and required counseling, which we'll walk through carefully.

It's a review of your profile against program guidelines that indicates what you may be able to borrow, so you can shop with greater confidence. It is not a commitment to lend. (Draft, pending compliance review.)

If approved, a pre-approval letter is typically valid for 90 days. (Pending client/compliance confirmation.)

Typically some combination of identification, income documents, bank statements, and tax returns — we'll give you a clear, specific list for your situation.

Yes — that's the point. With your pre-approval in hand, you can make offers knowing where you stand.

When the process begins with a soft credit pull, it has no impact on your credit score.

It's a review of your credit that doesn't affect your score, used — where available and applicable — to help understand your options early.

A hard pull, which can affect your score, may be needed later in the formal application or underwriting process. We'll always let you know before that step.

It's specialized, business-purpose, asset-based capital for real estate investors — underwritten primarily on the property and the deal rather than your personal income. It's a different tool from a consumer mortgage. (Draft, pending compliance review.)

A mortgage underwrites you (income, credit, debt ratios) over a long term at a lower rate. Private lending underwrites the deal (asset value, plan, exit) over a short term, faster and more flexibly — but at a higher cost. Different jobs, different tools.

Your consultation and Kyon's guidance are free. For private-lending deals, Kyon is compensated through the transaction when the deal closes — and most deals are placed through our lending network, while in select cases Kyon funds directly. Either way, you'll see the costs of your specific deal — such as points, origination, and closing costs — explained clearly up front, and we're only compensated when your deal actually closes.

Real estate investors, builders, and developers — for business-purpose deals, not for buying a home to live in.

Yes — those are core uses. Availability and terms depend on the deal and are subject to underwriting, valuation, title, insurance, documentation, and capital availability.

Loan-to-value — the loan amount relative to the property's value.

Loan-to-cost — the loan relative to the total project cost (purchase plus renovation).

After-repair value — the property's projected value once renovations are complete; it usually caps a renovation or construction loan.

Debt-service-coverage ratio — whether a rental property's income covers its payment. Above 1.0 means the rent more than covers it.

Upfront fees at closing, expressed as a percentage of the loan; discount points can be paid to lower your rate.

Your plan to repay a short-term loan — typically by selling or refinancing. It's the most important factor in a private-lending deal, and the strongest borrowers plan more than one.

Our framework for evaluating any private-lending deal: Borrower, Asset, Structure, and Exit. They're interdependent — a deal needs to hold up across all four.

Subject to underwriting, appraisal, title, insurance, documentation, and program guidelines, mortgage transactions may typically close in about 15–25 days after property selection and complete underwriting, depending on complexity. This is a typical range, not a guarantee. (Pending client sign-off.)

Well-prepared private deals may sometimes close in about two weeks, subject to deal readiness, title, valuation, entity documents, insurance, and underwriting. It's a possibility, not a promise. (Pending client sign-off.)

Incomplete documentation, valuation or title issues, insurance gaps, or added underwriting conditions. The biggest factor in speed is how ready and complete your file is.

It depends on your path, but commonly: identification, income documents, bank statements, tax returns (if applicable), and — for investors — entity documents, a deal budget, and property details. We'll give you a specific list.

For mortgages, typically your income, credit, assets, and the property. For private lending, the borrower, the asset, the loan structure, and the exit. All subject to program guidelines.

Full underwriting begins — including appraisal, title, and insurance — followed by final review and closing.

Rates move with market conditions, and the rate you may see depends on factors like your credit profile, the property, the loan type, and the structure. We don't quote rates in the abstract.

Upfront fees paid at closing as a percentage of the loan. Discount points can permanently lower your rate; origination points are a fee for making the loan.

Paying to lower your rate — permanently (discount points) or temporarily (a buydown that reduces your rate for the first year or few years, then returns to the note rate). Whether it's worth it depends on how long you keep the loan.

Because every borrower, property, loan type, and structure is different. That's exactly why comparing options with guidance helps — so you understand the trade-offs, not just a single number.

Yes — our relationship doesn't end at the closing table. We're here for your questions afterward.

Yes. Many clients work with us across multiple purchases, deals, and projects over time.

Yes — when your situation changes, we can help you weigh refinancing, cash-out, or equity options, including the case for waiting.