Our Secure Application takes about 10 minutes to complete, and is required for your "Pre-Approval". You will be contacted once your application is submitted.



Explore the programs offered by Kings Mortgage Services, Inc. including Fixed Rate Mortgages, Adjustable Rate Mortgages, Refinance Mortgages, and more!


What Our Customers Say About Us

We care what our customers think of us and so should you. We are partners in your business and your success is ours.

To whom it may concern:
I felt compelled to write this testimony. Filling out an application for a home loan is quite stressful. That is when you need the help of Greg Olivas.
Greg gives you the Kings Mortgage app which is so convenient. Greg asks for certain paperwork for the loan process and you just download it to the app! As the steps of the loan are completed Greg lets you know immediately.
Greg Olivas made a stressful home loan process stress free. Greg is very knowledgeable and keeps you informed throughout the whole process!
Thank You, Greg,
- BD

Barbara Dawson

My husband and I used Mike two years ago as first time buyers. Because of our great experience with him we didn't hesitate to contact him for our refinance. Once again he came through. He is patient, prompt, trust worthy, and definitely an expert! He answers all questions in a way we could understand. He always got back to us in a timely manner. He gives sound advice. We highly recommend Mike for your mortgage needs!

Marissa Erickson

Veronica and her team are awesome. We couldn't have been treated with more professionalism and kindness. Always ready to help with any concern we had. Thanks so much for your help in selling our home and buying our new one.

Diane Komoto

Teresa, helped us to refinance our home. I am greatly satisfied with her service. She is very professional, respectful, honest, punctual. I really liked her patience, no matter how many questions we had or how many times we asked the same questions Teresa answered all of them. We highly recommend her services. She is the best!!!

Maribel and Arturo M.

Good afternoon Teresa, Just wanted to say thanks for all your help and hard work on making this process as easy and painless as possible. We really enjoyed your personal touches, even responding on weekends and at night was over and above. We would definitely call you if we decide to get another loan. Thanks again and it’s a pleasure to have met you.

Joe Korenak

Joe K.

I cannot say enough good things about my home lending experience with Kings Mortgage. First and foremost, I received nothing short of first-class service from Teresa Coelho Halvorson and her team. As a first-time home buyer with a more complicated rehab loan, Teresa made the entire process very smooth and professionally done. I was impressed with how Teresa and her team made everything flow seamlessly and quicker to close than expected. I always received an immediate response from Teresa from start to finish and she definitely goes above and beyond her duties. Teresa is so kind and truly cares about her clients and was a complete joy to work with. I am very proud to recommend Teresa!

Pamela Hogue

Katie, thank you so much for helping us through our home purchase. My wife and I appreciate everything you and your team have done for us.


“Teresa Coehlo and Kings Mortgage were kind and helpful through mountain of paperwork my family and I had to sign and understand. She walked us through and made certain it was done correctly and in a timely manner. I really enjoyed her making the extra trips to get to us for paperwork when our printer went out. She went above and beyond in our first time homebuyers process and I love the home we are nesting in.
Thank you Teresa and Kings Mortgage“


It was great working with you and Shirley again. Thanks again. Also, it was great the payment was less than we thought!

Greg and Paulette Fairless

“Teresa is one of the most compassionate and kind-hearted people. She is always full of positivity and sincerity, and gives every client her detailed and careful attention. She will work relentlessly to do all that is in her power to help your family to get into a home. Our family will forever be grateful for all that she did for us.”

Angie G.

Katie Alaniz was our loan officer and I have to say that Katie made this stressful process a much pleasurable experience for us. Thanks to all her team at Kings Mortgage. We will definitely refer all of our family and friends.


She's the Loan Officer for you! Erin took our call and answered all the questions we had and told us step by step what we needed to make our loan successful. We are first time home buyers and with her knowing that she walked us through the process. We were able to ask questions on daily basis and if she didn't know something she would look into it and get back to us. We HIGHLY recommend her friendly and honest services.

Diana & Wendy

We had a wonderful experience with Mike Henson as our Loan Officer.  We found a house at the Coast and live 2 hrs. away.  We met with Mike to discuss a loan on a rainy Sunday morning in Arroyo Grande as he was returning from helping another client move a washer and dryer into their new home.  After discussing the options and deciding how to proceed, we returned home.  Mike kept us informed, answered all our questions, and guided us through the process via phone calls, emails, and the Kings Mortgage App.  The process was fast and extremely easy.  We uploaded docs over our phone and through email with Mike's tutorage.  We closed ahead of schedule and were ready to move in in less than a month.  We attribute this to Mike's hard work and anticipating what would be needed next by the lenders and preparing us ahead of time.  We have referred Mike to friends and family and will definitely use Mike in the future.

Jay and Elizabeth Ferrenberg

I want to thank everyone for your excellent work in bringing our dream of home ownership to completion. The girls and I are thrilled with opening a new chapter in our lives.

Angie, you are truly a caring, friendly and professional person who knows the meaning of customer service.

Mercedes, you were friendly, patient, polite, professional and were consistently available to me.

If I know of anyone who is planning to buy a house in the future you can be assured that I will pass your names on to them.

Thank you again for your fantastic service!

Julie, Kaitlyn & Kelsie

Hi Teresa,

Stacy & I would like to thank you for helping us get through this loan process. Without you we would not be in the position that we are today. We are in a much better situation than we could have ever imagined. You went above and beyond what was expected. You really made this personal and came through on everything that was discussed, putting both Stacy and myself at ease in the process. If we ever do this again, the both of us would only use you. Thank you again Teresa, for all of your support and caring, and hard work. Every time we drive up to our house, we'll think of you.

Rick & Stacy

Mike was great to work with from the beginning. Very friendly, patient and knowledgeable. Made a somewhat stressful process go very smoothly. Would recommend him to anyone.

Andrea Pakula

We've been through the mortgage loan process over a dozen times and Mike Henson provided the best service and experience yet.  Mike quickly and effectively responded to our request for options for our specific situation. He and his team were ready to go immediately, after being asked to stand-by while we completed other business.  After we gave him the green light, the loan went through very quickly and smoothly because Mike had the experience and foresight to closely review our information, and to let us know of additional information we should provide, in anticipation of the needs of his underwriter.  Mike kept us clearly informed through the process using our preferred mode of communication. From start to finish Mike and his team provided superior service!  Some of his and his team's attributes include: customer orientation, professionalism, clear communication, responsiveness, initiative, and follow-through.

David Rose


First I'm 9 months pregnant and my husband and i were referred to Erin to buy our first home. She was amazing, she has great communication. She made purchasing our first home a breeze. She was with us every step of the way and we were able to close on our house before the baby comes. I would highly recommend Erin to anyone. She puts her customers first and is always available for any questions you might have.


Amazing! I moved to this area recently not knowing many people. I was referred to Erin and instantly felt a sense of relief. After finding my new home she made the loan process simple. She was available at all hours of the day to answer my questions. Erin is a smart, and kind person who is able to make purchasing a home an enjoyable experience!


Let me start off by saying I’m a first time buyer and that I had little knowledge of the buying process. Erin made me comfortable and made sure that I understood each step of the mortgage routine. She was easy to get a hold of and was also very accommodating. Thanks again Erin

Ryan R.

Angie, Thank you for your excellent, caring service you have always provided thru the years. You are the gold standard in the world of mortgage services.

Take care

Brian D

Greg has helped us with mortgages on investment property (2015) as well as personal residence mortgage and home equity line of credit (2017). He is amazing. If you need someone who can get the job done Greg is who you want. He will jump through hoops to help you and get everything done quickly and painlessly for you. I will say it again. We have found working with Greg to be amazing and you will not be disappointed if you work with him.

Marge G.

The home buying process can be a very stressful time. As a realtor, it is important that I make the home buying/selling experience as exciting and smooth as possible. Greg is fabulous to work with! He is extremely knowledgeable in the mortgage business and has superb products to offer. He is great with people and has excellent communication skills. I feel confident that he has my client's best interest at heart.

Jennifer Dawson


Debra ZS

You did a great job getting our loan processed. You were very responsive and explained everything to us very well. There was no surprises and things turned out as planned. We cant believe our loan was processed in 17 days !! Amazing work from Teresa and her team.
Thank you
Candice and Sonny G.

Candice and Sonny G.

I want to especially thank you for all of the work you put into helping me secure a re-finance of my home. You are outstanding! I had a high confidence and comfort level with you during the loan process. I especially appreciate your knowledgable and professional guidance in helping me through the various steps and milestones that the VA loan required.

While I probably plagued you with my many questions, you were always prompt in providing me clear and understandable answers. You made the whole process smooth and we achieved a good loan and rate before the rate increase.

If you should ever need a recommendation or reference, please let me know, as I will give you well deserved top marks.

Sincere thanks,

Ron Snow

Being a first time home buyer it is a very intense process but Mike Henson was great. Talked us through each step. Gave us the best options to lower payments. Always got back to me in a timely manner. If you are looking for a Loan Officer Mike is your guy! I can not recommend him enough.

Marissa Erickson

Angie and Kings Mortgage was very helpful and great during my loan process they were very patient and understanding. would not have been able to do it without her -thanks Angie

Roy Walton

Just finished this loan process and I can’t express enough how wonderful the team in Selma was. They were very supportive and made the whole process so quick and smooth. I will definitely use this office for any future needs. Thank you!

Ann Castaneda

Collaborating with Kings Mortgage to buy our first home was an awesome experience. Our loan officer Katie Alaniz was great! She was always reachable and was able to execute our loan in a timely manner. 


Our experience with Mike Henson was phenomenal! I had very little knowledge about getting a home loan so I had a ton of questions. Mike was extremely patient and answered each one. I never felt like he was "talking down" to me or rushing our conversations. He was great a communicating with me at every turn and letting me know what to expect next. Mike looked into a number of different options for our home loan and took our budget seriously. I felt very valued as a customer and I will be returning to Mike for any home loan needs that we have in the future! I would highly recommend making Mike a member of your home buying team!

Lindsay Brys

The process of refinancing someone's home is normally extremely stressful and taxing let alone for a  first time refinance. It was exactly the opposite in our case working with a true professional in Teresa. From start to finish it was a joy extremely efficient and knowledgeable. She made multiple house calls kept us updated routinely and made the process as simple and easy as anyone could. I would strongly recommend her services to anyone I come across. Thank you soo much Teresa!!!

Josh Luna

Teresa was instrumental in helping me obtain my home loan, even calling me from Europe while on vacation to make sure she answered all my questions. She walked me through the entire process. I would not hesitate to recommend them or use them again.

Susie M

Normal professional

"Teresa is smart and efficient. She has great people skills and has a wonderful mortgage product. She has great customer service and I feel confident that she has my Buyers best interest at heart. "

Christa Lowry Century 21 Hometown Realty AG Village
November 09, 2016

Christa Lowry

Hi Teresa,

Thanks for all the help and assistance once again with getting us into our new house. Without you and Diana, it would not have happened.
You are the best.
Thanks so much, again....and to all your team.

Henry Bray

After losing our home to a foreclosure and filing for bankruptcy several years ago my wife and I were doubtful that we could qualify for a home loan. But after finding the perfect home we were introduced to Angie to see if there was a loan out there that we could qualify for at a great interest rate. Angie worked hard to find us the right loan that we qualified for and now we are moving into our home in January. I would highly recommend Angie Cansler for all your mortgage needs. 

Rob Isquierdo Jr.

Uli Torres

Broker/Owner at Re/Max Seawave Real Estate/Pismo Property Mgt.

Teresa Coelho is one of the best in the Mortgage industry. Her follow up and commitment to her clients is the best that I have seen,and I been in the Real Estate industry since 1981.Her company has the best rates , her staff is very dedicated to closing your Escrow on time .I'm Glad to see Kim Jeffers has also joined The Company. Hope you have a great NEW YEAR, Uli Torres/ Broker RE/MAX SEAWAVE real estate

Uli Torres

Before there was yelp there was the old fashioned recommendation. Kings mortgage and their staff, specifically Angie, was recommended by my mother, my sister and a neighbor when we moved here from the bay area 2.5 years ago. True to all the hype, she was knowlegeble, professional, friendly, honest, eager to help us buy our first home. The process which seemed scary for us being first time buyers was made easy and fast by the information given to us in person & their website. They always returned calls & always had a cheerfully attitude through all my questions and concerns with the mounds of paperwork involved & all the numbers in settlement statement. She had a great rapport with our realtor Randy Johnston of Century21. A great team on our side helping us get the best home for our money!


My husband and I had been working with another loan company when we found the house of our dreams. It was the house that we envisioned our son taking his first steps in, the house where we wanted to have all our family over for Thanksgiving dinner in, the house we would grow old in. It was our forever home. In the middle of escrow we were informed that not only would they not fund our loan for the amount we needed and we were going to lose the house, but we were not eligible for a loan at all! Needless to say we were absolutely devastated and our dreams of owning our own home were crushed. A few days after my aunt recommended that we go talk to Paula Silva at Kings Mortgage. Well, I am so glad that we did because Paula saved our dream home! We got the keys today and we couldn't be more thankful for everything she has done for us. No words can explain how much her helping us get our forever home means to us! Thank you! Thank you! A millions times, thank you! I will recommend Kings Mortgage, and only Kings Mortgage to anyone I know that buys a home.

Brittney P.

I had been wanting to give you guys something special for helping us, But I just cant figure out what! So I thought a thank you and a little letter would let you know just how greatful we are and will always be.

We truly didnt know how to say thank you for helping us in getting our Home....We are truly at a loss for words. I dont know when this feeling of us having our house being a dream will pass, But I hope it never does!

I think many times you guys dont realize what you do and just how much of an impact it does for families. After 2 years of being with another lender and never being able to get a house, I went with kings mortgage and in 32 days you and your team got us our keyes in our hands..We will forever be grateful.
Since the day we had our oldest Devin we knew we had to buy a house so that he could grow up in and have all his wonderful memories. Now that we had our 2 girls we wanted it more than ever. And you helped us make that dream possible. And here we are now a month later in our home painting the kids rooms, planting trees and roses and making our forever memories.

I dont have the words to say what I want but to just keep saying "Thank You".
You saved us! I was just about to give up on the whole house buying thing and you guys made it happen! Thank you for making this familes dream come true!


Janie I.

Of course, you can use my email as a testimonial !! It is the truth! God blessed me with my first peaceful night sleep in a while because Angie and Nadia and Team Kings Mortgage helped me get my "nightmare" funded & closed.

I want to thank you and your team for being the BEST!! Thank you so much, each and every one of you for saving me $$$ on this one !! When I meet with the buyer tonight, she will know that she really should have been with Team Kings Mortgage from the very beginning... THANK YOU SO MUCH !!!
p.s. Cheryl Reid also helped me close another escrow today, the only one out of six slated to close of Mark's foreclosures that actually closed by 6/30!!

Deanna Raeber, Realtor, A-One Premier Properties


Thanks for everything you did for us! You are great at your job. I will be letting everyone know the kind of job you do and you stand by your word. I am so happy in the house and would you please tell Nivia thank you for all of her help too. I will be sending you some customers because I have been telling everyone about the way you treat your customers and how you do your job. Paula you are the greatest. It would be nice if everyone did there job this way. Thanks for everything.

Marylou K




The mortgage process can sometimes be difficult to understand. View our various mortgage calculators and tools to learn more about mortgages - or give us a call!



Kings Mortgage Services, Inc., is a full-service Mortgage Banker serving all of

Kings, Tulare, Fresno, and San Luis Obispo Counties in California. We have in-house Processing, Underwriting, and Funding - Combined with extensive knowledge, local expertise, and incredible interest rates.


We offer all major loan programs for Purchase or Refinance and are approved with many local Down Payment Assistance Programs to assist you with your real estate home loan.


We are local experts in home loans - it is all we do! FHA loans, VA loans, USDA loans - we got 'em! Whatever your home financing goals are, we are here to serve you and make your dreams come true!