Hi, I’m Jon Shrum, President of KMC Financial and Team Shrum, based in Huntington Beach and serving California. I help homebuyers and homeowners find the right mortgage with honest advice, great rates, and clear guidance, making the process simple and stress free.
President KMC Financial
NMLS #236669 | DRE #01845041
Discover why clients choose Team Shrum for their mortgage needs.
Every borrower is different. Explore our home loan programs and compare options for buying, refinancing, investing, or accessing equity. Each option has unique benefits and requirements, and the right fit depends on your budget, timeline, and long term plans.
Conventional home loans offer competitive mortgage rates, flexible terms, and options for primary homes, second homes, and refinances. Many borrowers can qualify with as little as 3% down, depending on credit and income. Ideal for buyers seeking predictable payments and fewer restrictions. Compare options with Team Shrum | KMC Financial.
FHA home loans are a popular option for first time homebuyers and borrowers with lower credit scores or limited down payment funds. Backed by the Federal Housing Administration, they often allow down payments as low as 3.5% and offer flexible qualification guidelines. Great for purchasing or refinancing a primary residence with affordable monthly payments.
VA home loans, also known as VA loans, are designed for veterans, active duty service members, and eligible spouses who may qualify for a no down payment mortgage. Backed by the Department of Veterans Affairs, VA loans may offer competitive interest rates, no private mortgage insurance, and flexible credit guidelines, making them ideal for buying or refinancing a primary residence.
Designed for high value properties that exceed conforming loan limits, this option is ideal for luxury home buyers needing larger loan amounts. These mortgages offer competitive interest rates for well qualified borrowers with strong credit, stable income, and solid reserves, making them a smart choice for financing premium homes in California.
Built for self employed borrowers, these mortgages help you qualify using business income, bank statements, and tax returns, depending on the program. Ideal for freelancers, entrepreneurs, and 1099 borrowers who want flexible documentation and competitive mortgage rates. Great for buying or refinancing a primary home, even when income varies month to month.
Non QM loans are designed for borrowers who do not fit traditional mortgage guidelines but still want home financing. Common for self employed, 1099, or high net worth buyers, these programs may use bank statements, asset based qualification, or alternative income documentation. A strong option for buying or refinancing when conventional rules are too strict.
Bank statement loans are ideal for self employed and 1099 borrowers who qualify using personal or business bank deposits instead of tax returns. These programs focus on cash flow, making them a great option for buyers with strong income but complex write offs. Perfect for purchasing or refinancing when traditional documentation does not reflect true earnings.
Designed for real estate investors, these loans help finance rental and income producing properties, including single family homes and multi unit properties. Ideal for buying or refinancing investment real estate, they focus on cash flow, property value, and borrower strength, offering flexible options to help grow your portfolio and maximize returns.
ITIN loans are designed for borrowers who file taxes with an Individual Taxpayer Identification Number instead of a Social Security number. These programs help non U.S. citizens and foreign nationals buy or refinance a home using alternative documentation, offering flexible guidelines and competitive rates to make homeownership possible without a traditional SSN.
Refinance options help homeowners replace an existing mortgage and may lower their interest rate, reduce monthly payments, change loan terms, or access home equity for cash out. Ideal when rates drop or finances improve, refinancing may save money over time and help you reach long term financial goals with more predictable payments.
A cash out refinance allows homeowners to replace their current mortgage and may access home equity as cash for debt consolidation, home improvements, or major expenses. This option may help secure a lower interest rate while turning equity into usable funds, making it a smart choice for improving cash flow or funding long term goals.
Renovation and construction loans help buyers and homeowners finance a home purchase or build while also covering the cost of repairs, upgrades, or new construction. These programs may combine financing into one loan, simplify the process, and allow you to create or customize a home that fits your needs and budget.
USDA loans are designed to help eligible buyers in rural and suburban areas achieve homeownership with affordable financing. Backed by the U.S. Department of Agriculture, these programs may offer no down payment options, low mortgage insurance, and competitive interest rates, making them ideal for qualified borrowers purchasing a primary residence.
First time homebuyer and down payment assistance programs help make homeownership more affordable for buyers with limited savings. These loans may offer low down payment options, grants, or deferred payment assistance to cover upfront costs. Ideal for new buyers looking to purchase a primary residence with flexible guidelines and reduced out of pocket expenses.
Reverse mortgages are designed for homeowners age 62 and older who want to access home equity without monthly mortgage payments. These loans may provide tax free cash through a lump sum, line of credit, or monthly payments, helping seniors supplement income, cover expenses, and remain in their home while maintaining ownership.
Jon Shrum is the President of KMC Financial and the leader of Team Shrum, based in Huntington Beach, California. With years of experience in residential mortgage lending, Jon is known for his honest guidance, deep industry knowledge, and commitment to helping clients make confident financial decisions.
Jon believes a mortgage should be about more than just rates. It should be about trust, relationships, and truly understanding each client’s goals. He works closely with homebuyers and homeowners to provide personalized loan solutions, fast custom quotes, and clear explanations at every step of the process.
Whether you are buying your first home, upgrading, or refinancing, Jon’s mission is to make the experience simple, transparent, and stress free. Integrity is at the core of everything he does, and his goal is always to help you find the home loan that is right for you and your future.
KMC Financial is a proud family owned business which we have had the honor of helping over 5,000 customers realize the dream of home ownership and real estate wealth.
I am the Dad of three amazing young ladies Cali Kaelan and Makena and I am privileged and blessed to Have Timarie Shrum as my wife and partner Family is one of the most important aspects of my life and why I work so hard for my customers.
Team Shrum is a family driven mortgage team built on trust, experience, and genuine care for the people they serve. Working closely together every day, the team brings a shared commitment to helping clients navigate the home financing process with clarity, confidence, and peace of mind.
Each member of Team Shrum plays an important role in supporting borrowers from the first conversation through closing and beyond. With a strong focus on communication, organization, and education, the team ensures clients always know what to expect and feel supported at every step.
More than just a mortgage team, Team Shrum believes in long term relationships, not one time transactions. Their collaborative approach, attention to detail, and family values create an experience that feels personal, responsive, and reliable, whether you are buying your first home, refinancing, or investing.
If you want this tightened up, made more sales focused, or rewritten to fit a website section like About the Team or Why Team Shrum, just say the word and I’ll dial it in.
With over 20 years of experience in home financing, I bring a deep well of knowledge and dedication to every client interaction. As a seasoned financial associate and long-time home loan officer assistant, I’ve built my career on trust, integrity, and a true passion for helping people achieve their homeownership goals.
I hold a Bachelor of Science in Business from San Diego State University and have spent decades honing my ability to connect with individuals from all backgrounds. My strength lies in building strong relationships—fostering loyalty, transparency, and a seamless experience between clients and the organizations I represent.
I am Mom to five amazing children ranging in ages from 12-22 yrs old. When I’m not busy helping you qualify for a home loan, you can find me on the volleyball court, golf course or soccer field supporting our kids. My husband and I love the outdoors, competitive sports and helping our community.
Whether guiding first-time buyers or supporting seasoned homeowners, my mission is simple: to leave a positive impact through every step of the home loan process!
Junior Loan Officer | Arbor Financial Group | Team Shrum
Eddie brings over 20 years of experience in financial services and a strong real estate focus to his role as a Junior Loan Officer with Arbor Financial Group. As a licensed Mortgage Loan Originator and Real Estate Agent, he offers a well-rounded perspective on both the financing and transactional sides of homeownership.
Eddie specializes in helping clients understand how credit, income, and long-term financial planning impact their ability to purchase and build wealth through real estate. His background working with consumers through complex financial situations allows him to guide clients with clarity, patience, and a solutions-oriented mindset—especially those navigating first-time purchases, a refinance or credit challenges.
He is passionate about educating buyers and believes that informed clients make confident decisions. Eddie works closely with clients to ensure they understand their options, feel prepared throughout the mortgage process, and are positioned for success well beyond the closing table.
Whether assisting first-time homebuyers, growing families, or clients preparing for their next investment, Eddie’s goal is to make the path to homeownership clear, achievable, and aligned with each client’s long-term goals.
From first-time homebuyers to seasoned investors, we offer a wide range of Home Loan and Mortgage solutions designed to meet your unique needs. Discover competitive rates, flexible terms, and expert support to help you achieve your homeownership goals.
Learn how lenders look at income, debts, credit, and down payment so you can shop with confidence and set a realistic monthly budget.
A pre approval shows sellers you are serious and gives you a clear price range, helping you move faster when you find the right home.
Conventional, FHA, VA, jumbo, and more all have different rules, including options for self employed and 1099 borrowers. Compare programs to find the loan that best fits your income, budget, and homeownership goals.
Your payment is more than principal and interest. Learn how taxes, insurance, HOA dues, and mortgage insurance may affect the total.
Small changes may help you qualify for better rates. Explore credit tips, down payment strategies, and timing your lock.
From low down payment programs to assistance options, see what may reduce upfront costs and what tradeoffs to expect.
Purchasing and refinancing follow different paths. Understand when refinancing may lower your rate, change terms, or tap into equity.
Steer clear of surprises by learning what can hurt approval, delay closing, or raise costs, and what to do instead.
From first-time homebuyers to seasoned investors, we offer a wide range of Home Loan and Mortgage solutions designed to meet your unique needs. Discover competitive rates, flexible terms, and expert support to help you achieve your homeownership goals.
Team Shrum | KMC Financial offers personalized mortgage solutions, fast custom quotes, competitive rates, and great service, all delivered with integrity.
Get clear answers to the most common mortgage questions, from pre approval to closing costs. These FAQs are here to help you feel confident, avoid surprises, and make smarter decisions throughout the home loan process.
Pre qualification is a quick estimate based on basic information you share. Pre approval is a stronger step that reviews documents like income, assets, and credit, and it shows sellers you are serious. If you want to make competitive offers, pre approval is usually the better move.
Affordability depends on your income, monthly debts, credit profile, down payment, and current interest rates. A good approach is to start with a comfortable monthly payment range, then work backwards into a purchase price. This helps you shop confidently without stretching your budget.
Minimum credit score requirements vary by loan type. Conventional loans typically favor stronger credit, while FHA may allow lower scores with different terms. VA loans focus more on overall profile than a single number. The best step is to review your full picture and match you to the program that fits.
Some conventional programs allow as little as 3 percent down, FHA is commonly 3.5 percent, VA and USDA may offer zero down for eligible borrowers, and jumbo loans often require more. The right down payment is not always the biggest one, it is the one that balances your cash on hand and your monthly payment.
Closing costs include lender fees, appraisal, title, escrow, and prepaid items like homeowners insurance and property taxes. Many buyers budget around 2 percent to 5 percent of the purchase price, but it varies by loan type and location. In some cases, you may be able to negotiate seller credits or use lender credits to reduce out of pocket costs.
Mortgage rates change daily based on market conditions. A rate lock protects your rate for a set period while you complete the loan. The right time to lock depends on your timeline, your comfort with risk, and what the market is doing. A good lender will explain your options clearly so you can choose with confidence.
Yes. Self employed borrowers can qualify using tax returns, bank statements, or alternative documentation depending on the program. The key is choosing the right path based on how you get paid, how your business writes off expenses, and how consistent your income is. A lender who understands self employed income can often save you time and frustration.
Mortgage insurance is typically required when you put less than 20 percent down on conventional loans, and FHA includes its own mortgage insurance rules. VA loans do not have monthly mortgage insurance, and some programs allow lender paid options. The goal is to structure the loan so you balance upfront cost and monthly payment in the smartest way.
Yes. There are strategies to help you buy before you sell, depending on your equity, income, and timing. Options may include contingent offers, bridge style solutions, or using a refinance or HELOC ahead of time. The right plan helps you avoid rushed decisions and reduces stress during the move.
A broker can shop multiple lenders to find the best fit for your goals, not just one bank’s set of programs. That often means more options, clearer comparisons, and a smoother process. Most importantly, you get personalized guidance so you understand your numbers, avoid surprises, and make confident decisions from pre approval to closing.
Yes. Many 1099 and self employed borrowers can qualify for a mortgage, even if tax write offs make income look lower on paper. Depending on your situation, lenders may use tax returns, 1099 history, profit and loss statements, or bank statement programs that focus on deposits and cash flow. The key is matching you with the right program and structuring your file correctly from the start so you get accurate numbers, faster approval, and fewer surprises at closing.
