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Khaled Morad

I can help you understand your best mortgage options

NMLS 2096211

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KCL is Rooted in Knowledge. Driven by Community.
Focused on Legacy.

At KCL Funding Group we deliver clear communication and smart mortgage solutions that help you plan your financial future, not just close on a home. From FHA to Non-QM DSCR, we offer diverse lending options to build wealth, security, and your legacy.

Fixed Rate Mortgage

Interest rate and payments remain the same for the entire term of the loan.

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FHA Loan

Get a great rate with a lower credit score and low down payment. FHA loans provide a government-insured loan with flexible options.

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VA Loan

VA Loans offer no down payment options for Veterans and their beneficiaries. Thank you for your service!

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Rehab Loan

Purchase an investment home without using your personal income. Ask about our 15% LTV DSCR loan!

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USDA Loan

Purchase a home with no money down in certain rural and suburban areas.

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Jumbo Loan

Jumbo loans offer great rates and flexibility for larger loans.

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My clients are the foundation of my success.

5 Star Client Reviews

Miguel Garcia

I recently had the pleasure of working with Khaled as my mortgage lender, and I cannot express enough how grateful I am for his outstanding service. From start to finish, Khaled demonstrated an exceptional level of professionalism, attentiveness, and clear communication that made the entire mortgage process a breeze. I would definitely recommend his services and I will be back!

Bennett Andrews

Our team has worked with Khaled on 3 closings recently, and we have been nothing short of impressed. His communication and knowledge are top notch. Highly recommend!

John Gardepe

Khaled and his team were great to work with! They helped my clients get funding for their new home and I don't think the process could have been simpler. They were extremely professional and I felt confident in their ability to get us to the closing table. My clients were very happy

Matthew McAdoo

I can’t speak highly enough for Khaled Morad at West Capital Lending. An absolute pleasure to work with. Always available, no pressure, great communication, and most importantly super trustworthy with your best interest in mind. As a first time home buyer, I couldn’t have imagined working with anyone else!

D G

We recently purchased our first home and were fortunate enough to find Khaled. He was kind and patient and walked us through every step of the process. Him and his team made the home buying process seamless. In addition to being available when I needed him, he even sat through the closing with me. Not sure if that is normal protocol, but it felt like he went above and beyond. It was such a comfort to have someone in the room I trusted to assist me throughout the closing. I would absolutely recommend him to loved ones. Thank you for everything Khaled!

Toni Jackson

We recently worked with Khaled Morad for our mortgage/loan process, and we couldn’t be more satisfied with the experience. Khaled was incredibly knowledgeable and answered every question we had, making the process smooth and stress-free. His professionalism and friendly demeanor made him a pleasure to work with. We highly recommend Khaled to anyone in need of mortgage assistance. Thank you, Khaled, for helping us secure our new home!

Aj Weed

Khaled was amazing to work with! From the very start of the process, he was on top of it. Communication was key and he consistently provided updates to myself, the realtors, title company, etc. I would highly recommend working with him - not to mention his rates were really good!!

Steve Smith

Great experience throughout the process, Khaled and the team are the best to work with.

Jill C

Khaled made buying our home possible and we are thrilled! He saved us money, time and 10% less down payment compared to other lenders. He was available at all times, a true partner in the loan process. His attention to detail and sincere enthusiasm were refreshing. We highly recommend Khaled and his staff! 🏡

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How can I help you?

Whether you are a first time homebuyer or an experienced real estate investor, having a mortgage team you can count on is crucial.

I pride myself on excellent communication and easy accessibility when you need me. My job is to guide you every step of the way.

Let’s start a discussion about your mortgage needs and goals today!

Let’s get started today!

Purchase

Refinance

how we are different

We build meaningful relationships with clients and prioritize long-term success over short-term gains. Every decision we make is guided by the impact it has on people.
Transparency is at the heart of our work. We keep you informed every step of the way, ensuring you’re never left in the dark or misled.
We stay ahead by constantly exploring new technologies and ideas. Our solutions are designed to be forward-thinking, flexible, and scalable.
Integrity guides our actions. We adhere to high moral standards, doing the right thing—even when no one is watching.
Every product and service we offer is created with the end user in mind. We listen, adapt, and build to truly serve your needs.
We work alongside our clients, treating your goals as our own. Together, we build solutions that reflect shared vision and trust.