B Home Mortgage is a local, family owned and operated Mortgage Company serving Phoenix and other parts of Arizona since 2005.
Founded by Brian Carpenter and his father-in-law Kevin Burk, we have always provided exceptional service at a lower rate and price than everyone else on every type of residential mortgage loan.
Just before and at the beginning of the mortgage and real estate bubble 2003-2005, Brian Carpenter worked for a large mortgage bank. With his quick and thorough understanding and experience at every position through the ranks of the mortgage bank, he had learned how it all works from the first phone call to the closing wire by devoting so much of his time to studying literally thousands and thousands of pages of rate-sheet matrices and underwriting guidelines, going up the chain-of-command to fight for every single loan he believed in.
As he developed such a deep understanding of the underwriting side of the mortgage lending business, he had earned the respect of a select group of fellow Loan Officers at the Mortgage Bank. He actually began “qualifying” every one of their clients’ loans for them on the back side, while they were the face of the transaction and dealt with the clients directly. As a result, the company began to see less and less fallout and by default more and more happy clients.
As this progressed, he began to realize they needed to set themselves apart from the mortgage bank and the irresponsible culture of “sell and sign” that was now rampant throughout the industry at the time…so, in 2005 he broke off from the mortgage bank and started B Home Mortgage with Kevin Burk, who is now his father-in-law as it turned out! They had quite the operation with a dozen or so Loan Officers and a several Loan Processors, all working to better educate themselves and their clients through a very complicated and volatile industry.
