Kay Cleland, Mortgage Broker, Locally Owned & Operated, 39 years of Mortgage Experience. Purchase and Refinance. Conventional, FHA, VA, Reverse Mortgages, Rural Housing, Credit scores down to 580 on FHA and VA, subject to qualification. 10-30 year terms available depending on product. Servicing the State of Colorado Designations: CMC, CRMS, CFS, CVLS, CCS and Lending Integrity Seal. BBB Accredited, Castle Rock Chamber of Commerce, Toys for Tots & Colorado Special Olympics Kay Cleland McCarthy, NMLS #265374, CO LMB #100026748 720-670-0124 KC Mortgage NLMS 374307 Regulated by the Division of Real Estate 504 Perry Street, B, Castle Rock, CO 80104