Why Work With Kam
The right loan for every buyer.
Loan Benefits
- Down payments as low as 3.5% (FHA) or 0% (VA/USDA)
- Flexible credit requirements — options for scores as low as 580
- Competitive rates across FHA, conventional, and jumbo programs
- Seller can contribute toward closing costs
- Gift funds and down payment assistance programs available
Who It's For
- First-time homebuyers ready to stop renting
- Move-up buyers upgrading to their next home
- Homeowners looking to refinance and save
- Self-employed borrowers with non-traditional income
Meet Kam
Mortgages made simple — that's not just a tagline.
With over two decades in the mortgage industry — from Wells Fargo to loanDepot to founding The Mortgage Group — Kameron Senemar has guided thousands of families into homeownership. He specializes in making the process clear, approachable, and stress-free, especially for first-time buyers navigating FHA loans.
- 20+ years of mortgage industry experience
- Bilingual — English & Persian
- Owner of The Mortgage Group, LLC
- Personalized guidance for every borrower
Know Your Options
What to Expect
Advantages
- Low 3.5% down payment — keep more cash in your pocket
- Credit scores from 580 accepted (500 with 10% down)
- Lower interest rates than many conventional options
- Flexible debt-to-income ratios
- Seller concessions up to 6% of the purchase price
- Available for condos, townhomes, and multi-family (up to 4 units)
Things to Know
- Mortgage insurance premium (MIP) required for the life of the loan
- Property must meet FHA appraisal standards
- Loan limits vary by county (Miami-Dade: higher limits)
- Must be your primary residence — not for investment properties
How It Works
From first call to closing day — we guide you through every step.
Free Consultation
We review your goals, credit, and finances to find the best loan option for you.
Get Pre-Approved
Know exactly what you can afford before you start shopping for homes.
Find Your Home
Shop with confidence knowing your budget and pre-approval are in hand.
Close With Kam
We handle the paperwork, coordinate with all parties, and get you to closing day.
Qualification Checklist
Loan Requirements
Not sure if you qualify? Most first-time buyers do. Here's what lenders look for.
- 1Minimum credit score of 580 (or 500 with 10% down)
- 2Steady employment history (2 years preferred)
- 3Debt-to-income ratio typically under 43%
- 43.5% minimum down payment (gift funds OK)
- 5Property must pass FHA appraisal inspection
- 6Upfront MIP (1.75%) + annual MIP (0.55% for most loans)
Not sure where you stand? Kam offers a free, no-obligation consultation to review your situation.
Ready to Make Your Move?
Whether you're buying your first home or exploring your options, Kam is here to help — no pressure, no obligation.