Explore 2026 Mortgage Rates • FHA, VA, and Refinancing Solutions • Lower Rates Guaranteed • Personalized Financing • Fast Communication • Local Expertise •
Our Foundation
We prioritize expertise, education, and ensuring you understand every step of the process. By combining fast communication with competitive rates, we empower our clients to make informed decisions that lead to long-term financial stability while simplifying the world of lending for every homeowner.
"After talking to two other loan officers, I felt like I could really trust Larry and his team. He talked us through every detail of the process and got us into a home that we love and can afford." - Amy T.
The Expert Behind Your Mortgage Success
With 30 years of experience in the mortgage industry, Larry Kidd has built his career on helping individuals and families achieve the dream of homeownership. As the owner of Dominion Capital Funding, he is known for his integrity, personalized service, and commitment to guiding clients through every step of the lending process. Larry takes pride in building lasting relationships and providing financing solutions tailored to each client's unique goals and needs.
Beyond his professional accomplishments, Larry is a devoted husband, father of three, and avid golfer who understands the importance of home as the foundation for family, stability, and lasting memories. His passion for serving others extends beyond the office, as he values faith, family, and community. Whether working with first-time homebuyers, growing families, or those refinancing their current home, Larry approaches every client relationship with the same care, honesty, and dedication that have defined his career for decades.
Larry Kidd
Owner, Mortgage Broker
NMLS #482695
Why Choose a Broker?
Independent mortgage brokers have had a significant positive impact on the lending industry. Today, the use of a professional mortgage broker is one of the key strategies used by sophisticated borrowers.
What is a Mortgage Broker?
A mortgage broker is an independent real-estate financing professional who specializes in the origination of residential mortgage loans. Mortgage brokers normally pass the actual funding and servicing of loans on to wholesale lending sources. A mortgage broker is also an independent contractor working with (on average) as many as 40 lenders at any one time. By combining professional expertise with direct access to hundreds of loan products, your broker provides the most efficient way to obtain financing tailored to your specific financial goals.
What Do Mortgage Brokers Do?
In the volatile home-lending market, mortgage brokers can serve as safeguards, offering their clients security, safety, and peace of mind. One of the broker's most important functions is escorting your loan application through the entire process, constantly patrolling the component transactions for possible breakdowns. A professional mortgage broker can wade through the mountains of rate data and program options, researching current market conditions to find the most accurate and up-to-date information about cost-effective loan options.
Brokers Handle the Details!
There are literally thousands of variables that can affect the outcome of your mortgage transaction. That's why you need a mortgage broker to act as a liaison between the title and escrow company, real estate agent, lender, appraiser, credit agency, the underwriters, the processors, attorneys, and any other services which may affect your transaction.
A mortgage broker also:
- Discusses and explains financing program options
- Informs you, in writing, of lock-in options
- Explains all documents of the loan application
- Explains all associated costs of the loan application
- Explains the disbursement of all loan applications
- Explains the loan process, from application to closing
- Provides you with a good faith estimate of cost and fees
- Communicates with you throughout the loan process in a timely manner
- Coordinates the final closing of your transaction