Making Homeownership a Reality
Tailored mortgage advice and creative solutions for first-time buyers, seasoned investors, and everyone in between.
Not every buyer fits the standard box.
These are the programs I reach for when a situation needs more than a one-size-fits-all loan.
Bank Statement Qualification
Qualify using your bank deposits instead of traditional tax returns. A strong fit for self-employed borrowers and business owners.
Down Payment Assistance
Programs that can help cover your down payment and closing costs, so more of your savings stays in your pocket.
For eligible/qualifying borrowers*
Buy Before You Sell
Move into your next home before your current one sells, without scrambling to line up two closings on the same day.
Adjustable Rate Mortgages
A lower starting rate that adjusts over time. Worth a look if you expect to move or refinance in a few years.
Zero Down Loan Options
Buy with little to no money down through programs built for qualifying buyers.
For eligible/qualifying borrowers*
Emergency Mortgage Transactions
When time is tight, there may be a faster path to the closing table.
8-day closings may be available for qualifying transactions.* Subject to borrower, property, underwriting, title, appraisal, disclosure and other applicable requirements.
For the love of numbers.
With a love for numbers and multiple years of experience, I offer tailored advice and creative solutions designed to meet each client's unique goals. I am Devin Kampa, a young entrepreneur dedicated to helping people here at Highlands Residential Mortgage. With our national headquarters right here in Collin County, I'm able to provide customized solutions to clients all across our great country.
In my role, I focus on serving a diverse clientele, from first-time homebuyers to seasoned investors. My process is built on personal enthusiasm, close-knit teamwork, and confidence in the numbers, with support throughout the entire closing and beyond. From the East Coast to the Central States, I've helped make homeownership a reality for clients across the country.
I am committed to professional growth and staying informed on market trends, positioning myself as a trusted advisor in the real estate community. Whether you are a first-time buyer, refinancing, or looking for a creative solution, you can expect a thorough and informed approach to your financing journey.
Have a unique situation?
Know your numbers before you shop.
Real estate has historically rewarded long-term ownership, but appreciation has never been guaranteed or perfectly predictable. We've seen periods of steady growth, sharp corrections, and the rapid appreciation of the early 2020s.
The point isn't to predict what the market will do next. It's to understand what the numbers are telling you today.
Home price, appreciation, mortgage rates, and your monthly payment all play a role in the decision you're making. The tools below are here to help put those numbers into perspective—so you can shop with a better understanding of what you're buying, what it costs, and what it could mean over time.
Amortization Calculator
See an estimated payment and total interest over the life of the loan.
Today's Rates
Interest rates are subject to change daily and without notice. Current interest rates shown are indicative of market conditions and individual qualifications. Programs and rates illustrated do not constitute an offer to lend or enter into a lock agreement.
Track your loan from your phone
Download the app to check your application status and use our built-in monthly payment calculator.
Get the Highlands appHome Appreciation Calculator
See what your home value could look like over time, based on real historical data for your area.
Historical figures: FHFA House Price Index, state-level, seasonally adjusted, period ended 2026 Q1. This is a projection based on the growth rate you choose — not a forecast, guarantee, or promise of future performance.
"From our very first meeting, Devin took the time to understand our goals. His communication was outstanding — clear, proactive, and reassuring the whole way through."
"I never thought the day would come when I could purchase a home. Devin takes real pride in helping new homeowners achieve that dream, and he always answered his phone."
"Devin ANSWERS the phone! Devin REPLIES to text messages! Devin is a great lender!"
"Devin has a real ability to connect the dots on issues of concern — an excellent, can-do attitude even when I was the one feeling frustrated."
"He was extremely professional and patient, answered every question I had, and stayed on top of everything so the whole process went smoothly. I highly recommend him."