mortgage south wind financial inc.

Are you thinking about refinancing an investment property or buying a new home? Call or e-mail us today! When buying a new home or refinancing a current mortgage it’s very helpful to work with people who have expert-level knowledge and can offer you the best information so you can make the best financial decisions for your life. Let us show you how we can make the mortgage and refinancing process seamless and even enjoyable!

Byron Kirk,
Branch Manager
NMLS ID#: 13491
South Wind Financial, Inc.
1356 Atwood Avenue, Suite 2, Johnston RI 02919
Phone: 401-270-4999     E-Mail:
E-Fax: 866-695-0343

We always start with the basics, which means collecting financial and supporting documentation. Our team will collect, analyze and confirm your information and supporting documentation in order to provide you with the most accurate and available loan options for your specific needs. Whether you’re refinancing a current property or getting ready to take on a new Mortgage, every person’s credit profile and financial situation varies. With South Wind Financial’s expert mortgage and refinancing services, we’re looking out for your financial future. Learn More

Submitting a loan to a lender’s underwriter is more challenging than it sounds. With over 25 years of collective mortgage and refinancing experience, our South Wind Financial team is up to the challenge ever time! Presentation of information to an Underwriter is the secret key to success. Our team works to guide each mortgage and refinancing client from the concept to completion, meaning we are with you for every step of the application process, including the submission to underwriting through to the closing. We are your expert mortgage and refinancing experts available to answer all of your questions as we progress through the mortgage and refinancing process. Learn More

Getting to the closing means we are almost there! When the time comes to close on your new mortgage loan or refinancing agreement, planning and precision ensure success! The South Wind Financial team works diligently and directly with the lender’s Closing Department, as well as the title company, to finalize your closing documents seamlessly. You can take a deep breathe and know you are in good hands with our team! Get ready to enjoy your new mortgage or refinancing accomplishment! Learn More

mortgage loan types


A conventional home loan is a mortgage that is not insured, or guaranteed, by the federal government. They’re popular with borrowers who have good credit, a stable job and income, who can afford a down payment, and people who are financially stable overall.  Learn More


Ready to buy your first home? Working with limited income or money for a down payment? A government-insured Federal Housing Administration (FHA) home loan could be the right solution for you. FHA loans have been helping people buy homes, whether the first or the fourth, since 1934. Learn More


A VA home loan is a great benefit to military personnel during and after their service. VA home loans are partly guaranteed by the U.S. Department of Veterans Affairs. South Wind Financial understands the needs of military and their families and is proud to be able to help active and retired military use this product to meet their unique needs. Learn More


Like the FHA, VA and other government-backed loans, it’s guaranteed by the U.S. Department of Agriculture. Originally designed to provide a mortgage alternative for rural property buyers who had limited financing options, today it has become a viable mortgage option for people who want to live away from cities and enjoy country living. 97% of properties can qualify for the program. Learn More


Also known as a “non-conforming” mortgage because it is for an amount that exceeds the conforming limits regulated by two federally sponsored enterprises. The maximum conforming jumbo loan limit is currently $424,100. This loan is used by a wider range of people looking for a mortgage in a housing market where the home prices are high, well above the local or national average. Learn More


Whether your current home needs a face lift, or you have an investment property that requires major structural repairs, we can help you finance your project. These loans are a type of refinancing that lets you roll the costs of the work you do into your new mortgage. Learn More

Home Possible

Home Possible is a Freddie Mac loan program designed to bring home ownership within reach to more borrowers. In addition to low down payments and easier credit scoring, you may qualify for an Affordable Second – a secondary loan from a state/county agency or nonprofit. Learn More

Home Ready

An affordable, low down payment mortgage product designed for creditworthy low to moderate income borrowers, with expanded eligibility for financing homes in low income communities. Learn More

High Balance

If  your goal is to refinance your existing home, purchase a second home or investment property that exceeds the county loan limits of $424,100, this may be the right fit. Learn More

South Wind Financial
Byron Kirk South Wind Financial Noonan Lombardi Realtors

Byron Kirk,
Branch Manager
NMLS ID#: 13491
South Wind Financial, Inc.
1356 Atwood Avenue, Suite 2, Johnston RI 02919
Phone: 401-270-4999     E-Fax: 866-695-0343

As an expert in Mortgage Operations, Byron Kirk affords his clients dynamic results driven mortgage and refinancing services for over 17 years. Serving as Branch Manager & Director of Operations of South Wind Financial, Inc. in Johnston, RI., he provides his clients with a well-rounded business platform with a highly successful performance track record.  Clients know they can trust Byron and the team at South Wind Financial, Inc. to help them make the right decisions for their specific mortgage needs and goals.  Byron’s extensive financial and business experience are built on a Bachelor of Science Business Administration Degree from Bryant University with graduate studies at Roger Williams School of Law.  South Wind Financial, Inc is your new home purchase mortgage and refinancing experts in Southern New England.  Licensed in RI, MA, CT, NH and FL, let them help you arrange your mortgage today.  If you have questions about your new home  mortgage, refinancing needs or general questions regarding the mortgage process, call or email Byron and his team today.