Kathy Gaitan

Branch Manager

Hi, My name is Kathy. I am a Branch Manager with the Mortgage Banking Firm LeaderOne Financial Corporation. We specialize in VA home loans for real estate purchase and refinances. If you are looking for a licensed VA Loan professional in Killeen, TX, please call or apply online today!

Doc Checklist

Required Documents

Paperwork you'll need for a loan approval.

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Closing Timeline

Important Dates

Interactive calendar shows your loan process.

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Interactive Videos

Mortgage Resources

Amazing educational videos and calculators.

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Interactive Calculators

With purchase, refinance and rate lock videos.

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Interactive Videos

Refinance Myths

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Keys To Owning

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Down Payment

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Don't Do This

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Pre-Approval Info

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Inspection FAQs

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Buyer Mistakes

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Understanding Credit

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Interactive Mortgage Calculators & Videos

Mortgage Rates

Rate Lock Calc.


Refi Savings Calc.


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Our Mission Is A Better Mortgage Experience

Whether you are an active-duty military member stationed in Killeen or a veteran planning to buy your dream home in the city, we can provide you affordable VA home loans.

We will guide you in applying for VA loans and mortgages. You can Apply Online or call at (254) 541 - 5189 to connect with the mortgage lender in Killeen, TX. We aim at making the VA loan process convenient and quick for all veterans.

Who Is LeaderOne Financial?

LeaderOne Financial Corporation is a revolution in mortgage banking. We are committed to our values of Service, Empowerment, and Accountability.

Our ownership model combines the best of both worlds; a commitment to individual empowerment with the backing of a solid, experienced, and committed team. Our customer experience is a function of our employee experience. Together, we truly can achieve more. Our belief in employee engagement doesn’t have a finish line.

Ready To Get Started?

The mortgage lenders at LeaderOne Financial Corporation will provide step-by-step guidance throughout the home loan process. We perform pre-underwriting for each VA home loan to uncover any hidden challenges or questions. Veterans across Killeen and Fort Hood can also consult us to explore their financing options.

Working With LeaderOne Financial

Your Guide To The Mortgage Process

We Specialize In VA Home Loans

Applying for a VA home mortgage is one of the biggest and most important financial steps that you will take in your lifetime.

While the mortgage loan process can seem complex, our lenders in Killeen, TX will educate you as you move through this process.

Download the Mortgage Guide on this page to learn about:

  • What To Expect During The VA Loan Process
  • Out-Of-Pocket Expenses
  • Borrower Expectaions
  • Information For Insurance Agents
  • Financial Details
  • VA Loan Pre-Qualification Documents
  • Information For Your REALTOR

Feel free to call me directly at 254-541-5189 or Contact Me Online.

Mortgage Application Guide

At LeaderOne Financial Corporation, we aim at obtaining a speedy approval for VA home loans. The more thorough you are in preparing your paperwork, the faster our lenders can move together on getting your VA loan approved and funded.

Income / Assets:

  • W2's - From the last two years
  • 1040 Federal Tax Returns - From the last two years
  • Two Recent Paystubs
  • Two Recent Bankstatements - All pages
  • Self-Employed: K1 / 1099 / Profit and Loss YTD
  • Copy of your drivers license or state ID


  • Current and previous addresses for the previous 2 years
  • Leasing: Name and phone number of landlord(s)
  • Investor: Copy of lease agreements on rental properties


  • Copy of driver’s license
  • Copy of Social Security card for all borrowers

There may also be required documents if you have had a shortsale, foreclosure, bankruptcy or other circumstances that may require financial obligations.

You can download the flyer on this page for a complete checklist of all documentation required for a VA mortgage approval.

Approval Pitfalls Guide

We believe communication is the key to a smooth mortgage process and we will will hold your hand from pre-qualification through closing.

While there are number of factors outside your control that can delay or prevent a VA loan from closing. Here are some tips that will help you to stay on the right path when applying for a VA home loan in Killeen.


  • Keep your records in good order
  • Keep your financial records close at hand
  • Be aware that we need to verify income documents
  • Save bank statements


  • Apply for new credit
  • Change jobs during the process
  • Make undocumented bank deposits
  • Payoff debt, charge offs of collections without notification
  • Hesitate to reach out and ask questions

Basically, while you are in the process of getting a new mortgage, keep your financial status as stable as possible until the loan is funded and recorded.

Any number of minor changes could easily raise a red flag or cause a negative impact on a credit score that may result in a denied loan.

Refinance Guide

There are a number of reasons to refinance your VA loan, and our goal is to help you make the best decision possible.

Watch the interactive video and calculator below to determine how much you could save while refinancing your VA home loan in Killeen.

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Kathy Gaitan

Branch Manager

Contact Kathy 254-541-5189 Apply Online