Jay Kunkle
Jay Kunkle / Executive Loan Advisor
NMLS #323607
Phone: (949) 554-2630
Cell: (949) 533-1211

RPM Mortgage, Inc. distinguishes itself from competitors by only hiring the most professional advisors in the industry such as Jay. RPM is a privately owned and operated mortgage lender that produces over $5 billion in loan production each year due to hard working loan advisors like Jay. RPM’s internal mortgage lending operation, exceptional staff, in-house loan servicing and independent appraisal affiliation add value to our company that other competitors cannot offer.

As your professional lending source, RPM makes sure that Jay has access to the latest in marketing, technology and training in order to focus on being able to do their job quickly and easily. All RPM loan advisors go through an extensive proprietary training process which ensures you that Jay is educated in the latest loan programs and procedures and is capable of giving you the best type of loan for your specific needs. To learn more about Jay’s commitment to help you reach your home financing needs, we encourage you to call at any time for a no-cost mortgage analysis.



  • Buying a home is a major event in life. The entire home buying process is complex. There are many unknowns and concerns that can cause severe stress during this home buying/financing process. Working with Jay removes all the stress. His knowledge and experience are top-notch. His level of professionalism is second to none. Working with Jay Kunkle made my home financing process stress free. The peace-of-mind that I had because of Jay was priceless. I can't imagine using anyone else.
    -Phillip K.

    One of my coworkers highly recommended Jay to us, and I'm so grateful, as he was such a pleasure to work with!  Jay and his dedicated team were able to quickly provide us with a pre-approval letter for our offer submissions.  He patiently worked with us during our year-long home search and was always accessible and super responsive, even when we sent him requests to update our pre-approval at 10pm and on weekends!  He always graciously called and spoke with listing agents who required a conversation with our mortgage broker.  Beyond being professional, Jay is genuinely a nice guy and I always felt like I was in good hands (which is sometimes hard to come by in this industry).
     -Nicole N. and Wayne C.

    We had a bit of an unusual loan and I found the Commerce Team work very hard to keep us informed and we’re very helpful with any questions that arose. I would highly recommend Commerce to friends and family with the need true professionals to help in today’s complicated experience of securing a home loan.
    -John F.

    Jay is a consummate professional. His attention to detail, response time and follow up are all excellent. His market knowledge is first rate. Jay has helped me with several mortgages, second mortgages and HELOC's. I would refer Jay to my closest friends.
    -Rob T.

    I have had a great experience with Jay. I've already had a few mortgages with him, and he's very professional, kind, attentive and it is a pleasure to work with him. I refer all my friends and family to him, and they have had similar, great experiences. Jay lets me know when the best times to refinance are, and I feel complete confidence in him.
     -Avi & Dorit C.  

    I can highly recommend Jay Kunkle for all residential lending needs. Jay is highly professional and conducts business with honesty and integrity. He has a high level of knowledge and experience in his industry and I have dozens of satisfied clients that received their real estate financing through Mr. Kunkle.
    -Lisa O , Coldwell Banker Previews International

    If you value follow-through on commitment and the highest level of service, you’ll appreciate doing business with Jay Kunkle and his team.
    -Richard R. , Publisher, Orange County Business Journal

    Jay Kunkle has been an excellent resource for providing my clients with financing. He is thorough, confidential, and professional. I would not hesitate to recommend him to anyone.
    -Tim C. , Villa Real Estate

    Working with clients who are sophisticated buyers and sellers of unique properties, we have found that Jay Kunkle consistently serves our clients’ needs in a professional and timely manner. It is reassuring to us that our clients’ expectations are being exceeded.
    -Chris L. , formerly of Coldwell Banker/Strada Properties

    It is with great pleasure that I write this testimonial for Jay Kunkle and his team.  I was introduced to them by our mutual client and have to say I was a bit concerned, because I had never worked with them before and they were also located in another city.  My fears completely went away, once I realized how professional and responsive Jay and Linda were.  I quickly realized our client was in excellent hands and there was no reason to worry. Their many years of experience was evident.  They provided me with continuous updates, which is critical when doing an escrow. The lines of communication were open at all times.  It didn’t matter that their office was located in a different city.  This particular escrow was complicated and yet their attitude throughout was wonderful!   I would highly recommend Jay and his team for your lending needs.  You won’t be disappointed.
    -Olga M. , ABR


Loan Programs

To help you find the right type of home loan to meet your specific needs, RPM Mortgage offers multiple mortgage programs. This variety of residential mortgage lending solutions puts you in control of your future and enables our knowledgeable, trusted staff to help create a personalized mortgage solution to make your real estate goals a reality.

Our loan programs include, but not limited to: Jumbo loans to $3 million, Agency Conforming, Agency High Balance, FHA Conforming, FHA High Balance, FHA Energy Efficient Mortgages (EEM), VA, VA Interest Rate Reduction Refinancing Loan (IRRL), USDA, Lender Paid Mortgage Insurance (MI) Option, Split, Single and Financed Mortgage Insurance (MI), Concurrent 1st and 2nd, Max Financed Properties (up to 10), Delayed Financing, Fannie Direct Lender, Fannie Mae Service Retained, Freddie Mac Investor Options, DU Refi Plus, HomePath, FHA Flips

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Home Purchase

Real estate moves fast. To secure the home of your dreams, you need customized home mortgage options and community-centered service. RPM Mortgage has a reputation of trust and results as well as supporting technology and tools to ensure your transaction is as streamlined as possible.
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Refinance

Finding the right lender for your refinance is an important decision. RPM Mortgage's wide range of products are all handled by our knowledgeable in-house mortgage lending staff. Thanks to the RPM lending platform and proximity to our top-tier staff, we deliver faster deals, more customized lending options and reliable service to you right here in the community we both know and love.

Whether you're looking for security, strength or a sterling reputation, RPM is your powerful ally in today's confusing home mortgage refinancing market.

  • Expert community-based service
  • Exclusive in-house mortgage banking service
  • Established position and hard-won reputation for integrity
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Calculators

  • Mortgage Calculators

    Mortgage Loan
    Use this calculator to determine your monthly payment and amortization schedule.
    Mortgage Points Calculator
    Should you buy points? Use this calculator to find out.
    15 vs 30 Year Mortgage
    Use this calculator to compare these two mortgage terms, and let us help you decide which term is better for you.
    Adjustable Rate Mortgages
    This calculator helps you to determine what your adjustable mortgage payments will be.
    Mortgage APR
    Use this calculator to find the APR on your mortgage.
    Mortgage Tax Savings
    Interest and points paid for a home mortgage are tax deductible. Use this calculator to determine how much your mortgage could save you in income taxes.
    Balloon Mortgages
    A balloon mortgage can be an excellent option for many home buyers, use this calculator to see if a balloon mortgage might fit your needs.
    ARM vs Fixed Rate
    Use this calculator to compare a fixed rate mortgage to two types of ARMs, a Fully Amortizing ARM and an Interest Only ARM.
    Interest Only Mortgage
    Use this calculator to generate an amortization schedule for an interest only mortgage.
    Option ARM vs. Fixed Rate Mortgage
    Use this calculator to find out how much money you could save with an Option ARM loan.
  • Budget Calculators

    Rent vs. Buy
    Are you better off buying your home, or should you continue to rent?
    Mortgage Qualifier
    Can you buy your dream home? Find out just how much you can afford!
    Required Income
    Use this calculator to determine how much income you need to qualify for a mortgage and how different interest rates affect your required income.
    Maximum Mortgage
    Use this calculator to determine your maximum mortgage and how different interest rates affect your how much you can borrow.
    Mortgage Payoff
    Save thousands of dollars in interest by increasing your monthly mortgage payment.
    Bi-weekly Payment Calculator
    Using bi-weekly payments can accelerate your mortgage payoff and save you thousands in interest. Use this calculator to compare a typical monthly payment schedule to an accelerated bi-weekly payment.
  • Refinance Calculators

    Refinance Interest Savings
    Use this calculator to see how much interest you can save by refinancing your mortgage!
    Refinance Breakeven
    Should you refinance your mortgage? Use this calculator to determine when you will breakeven!

Find A Home

RPM Mortgage wants you to have access to the most updated listings in the area of your choice. Through a trusted partnership with Homes.com we have brought these updated listings to you. Happy house hunting!



Referral Partners

You've worked hard to earn your credibility, success and community roots. You stake your reputation on every referral you make. As an RPM Mortgage referral partner, you will discover new opportunities to provide your customers with a more personalized option in residential mortgage lending. They will see faster, smoother and more effective transactions. Your reputation and business thrive on connections, referrals, and partnerships. Join RPM's network today and grow that reputation and business into a well-known, credible source.

RPM Mortgage has grown its reputation by attracting and rewarding the best talent in the communities we serve. RPM has built upon the pillars of trust, knowledge, and community, bringing these principles to our colleagues and customers through a tradition of "can do, will do" service. It is this that makes us the independently owned and operated mortgage lending operation and broker of choice throughout the markets we serve. Our established position and hard-won reputation for integrity combined with ingenuity have made us the real estate finance partner known for supportive, collaborative partnerships.

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