Kevin Onizuk

Branch Manager NMLS 192993

About Kevin

Whether you're purchasing your first home, a second home or you are refinancing, it would be my pleasure to discuss the possibilities and offer solutions for your unique situation. I’ll do everything possible to simplify the lending process, offer step-by-step guidance from application to closing, and keep you well informed along the way.

I promise you the best in personal service, and look forward to hearing from you!


Why Choose J.G. Wentworth?

Top 5
Customer Satisfaction on Lending Tree
Rating with the Better Business Bureau
 in home loans funded in 2017
J.G. Wentworth Home Lending is a direct lender with low mortgage rates, an easy application process and exceptional customer service.  We have an A+ Rating with the Better Business Bureau, and our parent company, J.G. Wentworth, has served the community since 1992.  We created a streamlined, technology advanced organization to provide you with low mortgage rates and an efficient mortgage process. Affordable, fast, easy and eager to serve. That’s J.G. Wentworth Home Lending.

Our Products

J.G. Wentworth offers a variety of mortgage products. With low down payments, low interest rates, and reduced closing costs, our loan programs can help improve your financial situation. Some of our most popular products include:

  • Fixed-rate

    Fixed-rate mortgages come in 15-year or 30-year variations. This type of loan comes with a fixed interest rate and requires a standard down payment. Since your payments will be the same every month, it makes it easier to plan a budget.
  • Adjustable-rate

    This kind of mortgage has an interest rate that can change over time. Your monthly payments start low, then adjust according to the market, sometimes allowing you to qualify for a larger loan. Because rates and payments may rise over time, these mortgages tend to suit those who already know they will eventually sell the house.
  • FHA loan

    Federal Housing Administration (FHA) loans allow those with low to moderate income to borrow up to 96.5% of a home’s value. The required down payment -- 3.5% of the value of the home -- can come from cash, gifts, or grants, making this option ideal for first-time homebuyers that do not have extensive savings.
  • USDA Loan

    The United States Department of Agriculture (USDA) can provide loans to moderate-income buyers that wish to buy a home in a rural area. Depending on the home appraisal, the USDA may even finance down payments and closing costs.
  • VA Loan

    Veterans are eligible to receive loans through the Department of Veterans Affairs (VA) Loan Program. This program offers loans with low interest rates and no down payments, among other advantages. J.G Wentworth is proud to be a VA-approved lender.
  • Jumbo Loans

    Jumbo loans are mortgages that exceed the limits on home loans set by Fannie Mae and Freddie Mac. Jumbo loans are typically available as either fixed or adjustable rate mortgages and can be used to finance primary homes, investment properties, or second vacation homes. J.G. Wentworth offers low rates on jumbo loans.

Our Process

We've streamlined our process to ensure that the experience of obtaining your mortgage is as smooth and stress-free as possible. Below is a quick overview of our process:

Step 1.  Get Pre-Qualified

With a pre-qualification from J.G. Wentworth, you will know what you can afford, be treated as a serious buyer and often strengthen your hand in negotiations.  The J.G. Wentworth pre-qualification process is quick and easy.

Step 2.  Choose a Mortgage that Fits Your Needs

We offer a wide range of loan programs, making it simple to choose a loan that matches your needs.

Step 3.  Go House Hunting

Once you have found that perfect home, your real estate agent will help you submit a formal offer and purchase agreement.  Negotiations begin, often with a round of offers and counter-offers.

Step 4.  Confirm the Home Inspection

You should have your home-to-be inspected by a professional inspector who can identify any problems that need attention.  He or she will look at everything from structural issues to maintenance issues, and even check on appliances if they are to be included in the sale.  if any problems are found, you and the seller can negotiate fixes (either in repairs or perhaps a reduced sales price) before the close of the escrow.  At this stage, we will begin processing your loan and start scheduling the appraisal appointment. 

Step 5. Lock in a Low Rate

By Locking in a rate now, you can guarantee that rate for a specified time period.

Step 6.  Take Part in the Closing Process

After the rate is locked, we submit the application for formal approval by our underwriting department.  Next, you sign your mortgage documents.  Lastly, after a final review and approval of all documents, we disperse funds to the seller.  The only item left is to extend congratulations to you on officially becoming a homeowner.


Close On Time Guaranteed

On time means on time.

Your time is precious, and that's how we treat it.  We've developed a streamlined application process to make sure that your mortgage will close on time.  In addition to an on-time closing, you can expect competitive mortgage rates, a hassle-free mortgage process, and a wide range of loan programs to match your needs.


What is my credit score?
A credit score is a number based on an analysis of your credit files.  It is used to represent an individual's "creditworthiness."  You can obtain a copy of your credit score from three major credit reporting agencies - Equifax, Experian, and Transunion.
What if I have outstanding balances on my credit cards?
To qualify for a mortgage, you do not need a zero balance on your credit car.  We will consider your debt-to-income ratio when it is time to determine mortgage loan approval and amounts.
What are closing costs?
Closing costs are the fees associated with purchasing a home that are paid at the time you close on your home.  Closing costs are usually approximately 2 to 3 percent of your home's purchase price.  These costs include mostly third party fees such as the home inspection, title insurance, appraisal costs, etc.
What is included in my monthly payments?
Monthly mortgage payments typically include principal and interest.  Your mortgage payments can also include Private Mortgage Insurance (PMI).  If you have an escrow account, a portion of your payments can include property taxes and homeowners insurance.
What is Private Mortgage Insurance (PMI) and do I need it?
Private Mortgage Insurance, or PMI, is a type of mortgage insurance you could potentially be required to pay when you obtain your mortgage.  It is usually required if you have a conventional loan and make a down payment of less than 20 percent of your home's purchasing price.  You may also need to pay PMI if you are refinancing.
What is the difference between interest rate and APR?
An interest rate is the cost to borrow the loan amount, represented as a percentage.  The APR is calculated by taking the interest rate and any fees related to the loan into account to produce a percentage that must be paid every year, creating a more accurate picture of the total amount you will be paying.
Should I get a fixed-rate mortgage or an adjustable-rate mortgage (ARM)
Mortgages are not one-size-fits-all.  Deciding what type of mortgage should be determined after considering how a type of mortgage aligns with your lifestyle and financial goals.  A fixed-rate mortgage has an interest rate that remains the same throughout the life of the loan.  With a consistent interest rate, monthly mortgage payments will stay the same as well.  An adjustable-rate mortgage (ARM) will have a set interest rate for an initial, fixed period.  The fixed period can usually last for 3, 5, or 7 years.  Once the initial period ends, interest rates can rise or fall depending on market conditions.

I would love to hear from you.

Call me at (757) 645-8996 or send us a message below.

Our Location

Our Location

113 Bulifants Blvd., Suite C
Williamsburg VA 23188
(757) 220-5491
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