Ravneet Kumar

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Ravneet Kumar

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Loan Officer with WaterStone Mortgage
With Years of experience our team is sure to deliver. NMLS # 2234329 Ravneet Kumar is your premier mortgage professional.

He prides himself on offering competitive rates and make the loan process simple, straightforward and fast for borrowers seeking a mortgage. Whether you are first time home buyer, purchasing your dream home, refinancing an outstanding loan, or consolidating debt, Ravneet can help you take that first step toward a financial solution. NMLS: #2234329; CO-NMLS: #320841
Licensed in: AZ, CA, IL, MA, NC, OH, TX
Spoken Languages: English, Hindi, Punjabi

22/05/2026

FUNDED! Another investment property closed in NC! 3 Beds | 2.1 Baths | 1,579 SQ FT — Conventional Investor Purchase. If building your real estate portfolio is your goal, let's connect and make it happen! (336) 538-3098 | NMLS 2234329

04/05/2026

CLOSED! Another investor wins with a DSCR loan — and this one had a twist.

Our client didn't have perfect credit. In fact, their score was lower than most traditional lenders would even look at. But here's what mattered more: the property's income potential.

Loan Type: DSCR (Debt Service Coverage Ratio)
Down Payment: Only 20%
Property: Income-producing investment

With a DSCR loan, we don't qualify you on YOUR income — we qualify based on what the PROPERTY earns. That means more investors get access to real financing, even when the numbers on your tax return tell the wrong story.

20% down gave this investor maximum leverage — keeping more capital free for the next deal.

If you've been told "no" by a bank, that doesn't mean the door is closed. It just means you need the right loan product.

Ready to grow your portfolio? DM me or drop a comment below — let's run the numbers on your next investment property.

👇 Know an investor who could use this? Tag them below!

12/02/2026

Just closed another investment property using a DSCR loan for a repeat client.

This marks multiple DSCR loans completed for the same borrower through a 1031 Exchange, all structured to cash flow and support long-term portfolio growth.

This is what happens when the right financing strategy meets clear investment goals.
Ex*****on matters. Structure matters

05/02/2026

Funded – DSCR Loan with 1031 Exchange

Just closed an investment property using a DSCR loan combined with a 1031 Exchange.

This strategy helped the investor defer capital gains taxes while rolling proceeds into the next property — all while qualifying based on the property’s cash flow, not personal income.

Smart structuring like this is how investors continue to scale efficiently.

📩 If you’re planning a 1031 Exchange or looking to grow your portfolio with DSCR financing, let’s talk.

19/12/2025

Closed – DSCR Cash-Out Refinance

Just helped an investor in North Carolina complete a cash-out refinance using a DSCR loan 🏡

This strategy allowed the client to pull equity out of an existing rental property and create liquidity for future investments — all without relying on personal income.

Smart leverage. Long-term vision.
This is how investors continue to grow.

📩 DM me if you want to explore DSCR options for purchases or refinances.

31/10/2025

🏡 Another Investor Win!

Just closed on an investment property in North Carolina using a DSCR loan program 🎉

This program is designed for real estate investors who want to qualify based on the property’s cash flow, not personal income — making it a powerful tool for expanding rental portfolios.

It’s always rewarding to help clients build long-term wealth through smart financing strategies.

Message me to learn how a DSCR loan could help you grow your investment portfolio too!

10/10/2025

Just Closed – DSCR Loan!

Pleased to announce we closed on an investment property in North Carolina using a DSCR loan program.

This type of loan allows investors to qualify based on the property’s cash flow rather than personal income — making it a great option for building a rental portfolio.

Always excited to help clients grow their real estate investments with financing that fits their strategy.

📩 DM me if you’d like to learn how DSCR loans can help you scale your investment goals.

03/10/2025

Another Smooth Closing!

Excited to share that we helped a family close on their new primary residence in California 🏡🌴

Using a Conventional Loan, we were able to get this deal closed in just 12 business days

Speed and clarity make all the difference in today’s market, and I’m proud we delivered both for our clients.

If you’re thinking about buying a home and need a lender who can move quickly, let’s talk.

📩 DM me today to explore your options!

19/09/2025

Another Successful Closing!

Excited to share that we just closed a primary residence with a Halal loan program 🏡✨

This special financing option allows homebuyers to achieve their dream of homeownership while staying true to their values. I’m grateful I could guide my clients through the process and make it a smooth experience.

If you or someone you know is looking for Shariah-compliant home financing, let’s connect and explore the right solution for you.

12/09/2025

Just Closed!

Thrilled to announce we just closed a High Balance Conventional Loan with only 5% down for a beautiful new primary residence 🏡✨

Programs like this make homeownership possible even in today’s market, and I’m proud to help my clients secure the best financing options tailored to their goals.

Whether you’re a first-time buyer or upgrading to your dream home, I can guide you through every step of the process.

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Opening Hours

Monday	09:00 - 21:00
Tuesday	09:00 - 21:00
Wednesday	09:00 - 21:00
Thursday	09:00 - 21:00
Friday	09:00 - 21:00
Saturday	09:00 - 21:00

Telephone

+13365383098

Website

https://www.waterstonemortgage.com/originators/ravneet-kumar

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