"KS Mortgage found financing for a client on a tight time line, and at a great rate. I have a responsiblility to get the best for my clients, and Kelly Stephens helps me get it done."

Keller Williams
Dallas Park Cities

"We have done business with KS Mortgage since 1994. They are knowledgeable, courteous, and ethical. Kelly Stephens takes care of his clients' interests and carefully monitors settlement statements and closings."

Gayle G. Essary
Senior VP
Republic Tile of Texas

"Kelly Stephens is extremely professional and his level of personal service is unmatched. When looking for a mortgage broker, you need someone you can trust and that is why we use KS Mortgage."

Kelly Hibbs
June Parks
ReMax Properties

"Bharat sees each project through its completion leaving no stone unturned. I am glad to say that I will be his client for life."

Carmen Olivarez
Enterprise Sales Manager
GBH Communications.

"Mr. Bharat Patel has gone above and beyond for us. I recommend him to all my family and friends because I know with confidence that he will take care of them."

Jessica Clark
Director of Contracts & Business Development
Sigma Surveillance & ITPD

"Bharat uses all of his skills to put his clients in the best possible loan program and ensures that the mortgage process is smooth and painless."

Marty Hill
Account Executive
Florida Capital Bank Mortgage

"Bharat's professionalism is standard, and his follow through and attentiveness to all details is second nature."

Cheryl Williams
Escrow Officer
Hexter-Fair Title Co.


KS Mortgage

KS Mortgage is a mortgage broker based in Plano, TX. We specialize in originating and closing loans for the entire state of Texas with a wide variety of loan programs and lenders. With numerous lenders, we are able to tailor a loan based upon individual needs. Our team is committed to excellent service throughout and after the loan process. Some of our most popular services include:

  • 203K Loans
  • FHA Loans
  • VA Loans
  • Construction Loans
  • Jumbo Home Loans
  • Reverse Mortgages
  • Renovation Loans

About the Loan Officers

Kelly Stephens

Kelly Stephens - Owner and Loan Officer
Kelly founded Kelly Stephens Mortgage in 1995 and is a 25-year veteran of the mortgage business. Kelly's goal is to create lifetime relationships with each and every client. He operates his business on a solid foundation of honesty and integrity. In his spare time, Kelly enjoys time with his wife and 2 rescued Westie pups.




Bharat Patel

Bharat Patel - Loan Officer
With 20 years of financial experience, Bharat Patel has a vast knowledge of the mortgage industry. Paying great attention to detail, Mr. Patel excels as an expert in the mortgage industry. His presence at each closing and his dedication to his clients throughout the loan process is extremely commendable. Away from the office, Bharat enjoys recreation with his 13 year old son.