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  • Cumming, GA

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    States we're licensed in:
    CA, FL, GA, MO, TN

  • Cumming, GA

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Team

Meet The Cumming Team

Learn more about the team that will help get you home.

Loan Officer Support
Kevin Heffernan, Senior Loan Officer

Kevin Heffernan

Senior Loan Officer

NMLS # 1049299

Senior Loan Officer

(314) 605-6619

kheffernan@mhslending.com
Patrick Kelly, Loan Officer

Patrick Kelly

Loan Officer

NMLS # 1534902

Loan Officer

pkelly@mhslending.com
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Client Reviews

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Blog

Latest Insights

Resources for your mind.
A couple moving into a new home

Understanding VA Loan Occupancy Requirements: What You Need to Know

VA Loan occupancy requirements ensure your home serves as your primary residence. Learn the rules, how they apply to unique circumstances like…
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Exploring the Option of Using a VA Loan to Buy a Relative a House: What Veterans and Service-Members Need to Know

Are you a veteran or service-member considering using a VA loan to help a relative buy a house? Perhaps you want to support a family member in…
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Exploring VA Loan Eligibility in U.S. Territories: What Veterans and Service-Members Need to Know

Are you a veteran or service-member dreaming of buying a home in a U.S. territory? If so, you might be wondering: Can I use a VA loan to make that…
Picture of a family discussing mortgage details

How to Find a Good Lender for VA Loans

Are you a veteran, a service-member, or a part of a military family looking to buy your dream home? If so, you're likely considering a VA loan as a…
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Refinancing VA Loans

You might be contemplating the possibility of reducing the interest rate on your VA loan. Or you may be seeking to access home equity that you’ve…
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Demystifying VA Loan Appraisal and Inspection Requirements: What You Need to Know

For military service members, veterans, and eligible spouses, VA loans offer a pathway to homeownership with unique benefits, including competitive…
A couple reviewing paperwork

Maximizing Your Options: When Does it Make Sense to Refinance Your VA Loan?

For military service members, veterans, and eligible spouses who have obtained a VA loan to finance their home purchase, understanding when to…
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Maximizing the Benefits: Why Paying Extra on Your VA Loan Is a Smart Choice

For military service members, veterans, and their families, VA loans offer a pathway to homeownership with unparalleled benefits, including no down…
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Exploring the Benefits: Why Choose a VA Loan over a Traditional Mortgage?

At Military Home Spot Lending, we understand the unique challenges and opportunities that come with the transition to civilian life for veterans,…
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Exploring VA Loans: Understanding Assumptions and Eligibility

For veterans, service-members, and their families, VA loans represent a valuable opportunity to achieve the dream of homeownership. However,…
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Demystifying VA Loans: Understanding Prepayment Penalties

For veterans, service-members, and their families, the prospect of homeownership often comes with a multitude of questions and considerations. Among…
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Exploring Converting a Traditional Mortgage to a VA Loan

Before we dive into the conversion process, let's revisit the basics of VA loans. VA loans are a valuable benefit extended to veterans and active-…
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Navigating VA Loans After Divorce: A Guide for Veterans and Service-Members

Divorce can be one of life's toughest challenges, especially for veterans and service-members who have already sacrificed so much in service to their…
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Understanding the VA Disability Increase for 2024

For veterans who have served our nation with honor and dedication, the Department of Veterans Affairs (VA) provides vital support through disability…
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Navigating 2024: Understanding Potential Changes in VA Loan Requirements

As we step into the new year, prospective homebuyers, especially veterans and service members, are keen to understand any potential changes in VA…
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