Borrower accounts
First-person account“my husband is 79 and Kenny came recommended through church, so honestly we didn’t think twice. halfway through the refi, fees kept popping up that nobody mentioned at the start. when I brought it up he said my husband already agreed to them. the thing is my husband couldn’t tell you what an APR is if his life depended on it. nobody suggested we look at it together or get outside advice. it closed anyway.”
First-person account“everything felt too easy. he’d send docs and say the rate’s moving, so I signed same day like a good little customer. didn’t run my own numbers until weeks after closing. now I know. he knew too, I just don’t think he cared.”
First-person account“the ad says no lender fees. closing disclosure had a few thousand in costs, so apparently it’s all broker fee games. whatever, technically. I’m not a mortgage person and neither is anybody he’s actually marketing to. that seems to be the business model.”
First-person account“mom calls me after closing confused about an escrow shortage. I call him, voicemail. I text, voicemail. then he sends back a voicemail. to my MOM. she’s 76. she shouldn’t need a legal pad to take notes on a voicemail about her own house.”
First-person account“sent him two buyers. one closed, one fell apart because the documents he swore he was chasing never showed and my buyer went elsewhere. three months later he’s calling me like nothing happened, ready for the next referral. you only have a relationship with him on his schedule.”
The friends he doesn’t pay back
First-person account“lent him 3k. he said two weeks, payroll was behind. that was over a year ago. now he texts me every few months about random stuff, like he saw a truck for sale somewhere. never one word about the money. not one attempt. not even a hundred bucks back just to show he remembers the deal happened.”
First-person account“I asked him for my money back once and that apparently was the problem. stopped answering, and now mutual friends say I’m the one who changed. fifteen years of friendship, gone, for asking about my own cash. I’ve watched him do the same thing to at least two other people. once you ask Kenny for what he owes, you’re not his friend anymore, you’re a problem.”
First-person account“he hit up a bunch of us in the same stretch, everyone a different amount, everyone told a different emergency. one guy got some of it back a couple years later, after the bankruptcy, so apparently there’s an order to the line. the rest of us got long explanations. never a payment.”
First-person account“if he asks you for money, treat it as a gift. he’ll call it a loan. it’s a gift.”
Documented vs. reported
The Chapter 7 bankruptcy (Case No. 2:25-bk-02911-EPB) and the licensing history (NMLS #149000) are documented public records. Everything above this line is a first-person account. The company investigation is a report circulating in the local mortgage community with no published regulatory finding yet. We label every claim by its evidence level, always. That is the deal this platform makes with readers.