KBHS Home Loans Reviews and Ratings

KBHS Home Loans, LLC (NMLS #1542802) is not a wholly owned arm of KB Home. It is a 50/50 joint venture between KB Home and Stearns Lending. Guaranteed Rate, Inc. bought Stearns’ parent company in 2021. Guaranteed Rate now runs the lender day to day. KBHS exists to finance new KB homes. Most people who

KBHS Home Loans, LLC (NMLS #1542802) is not a wholly owned arm of KB Home. It is a 50/50 joint venture between KB Home and Stearns Lending. Guaranteed Rate, Inc. bought Stearns' parent company in 2021.

Guaranteed Rate now runs the lender day to day. KBHS exists to finance new KB homes. Most people who search "KBHS Home Loans reviews" are KB Home buyers.

They want to know if the builder's lender is a safe choice. That question matters. KB Home once ran a different mortgage venture with Countrywide.

That venture drew a 2005 HUD settlement and a RICO class action. Those events are old. They involved a separate partner, not the company you deal with today.

This review keeps the two apart. It also shows why KBHS scores look so different from site to site. And it lays out the real complaints that buyers report.

Evaluate these top-rated lenders to find a better match for your credit tier: [reviews2024 id=146951] [reviews2024 id=146888] [reviews2024 id=149642] What is KBHS Home Loans?

KBHS Home Loans is a joint venture. KB Home and Stearns Lending each own half of it. The company launched in 2016.

Stearns handled the management side early on. In 2021, Guaranteed Rate, Inc. acquired Stearns' parent company. Guaranteed Rate now appears to run KBHS behind the brand.

BBB complaint replies were signed by the Customer Success Team at Guaranteed Rate, Inc. So the name on the door is KBHS, but the operator is Guaranteed Rate. Here are the basics.

The legal name is KBHS Home Loans, LLC. The license is NMLS #1542802. The headquarters sit at 300 East Royal Lane, Suite 250, Irving, TX 75039.

The lender serves about 10 states, including Arizona, California, Colorado, Florida, Idaho, Nevada, North Carolina, Texas, and Washington. KBHS cannot lend on homes in New York. You can confirm the license and state list yourself on NMLS Consumer Access.

A note on KB Home's older Countrywide venture KB Home has offered in-house mortgages since 1965. Before KBHS existed, it ran a joint venture with Countrywide. In 2005, KB Home paid $3.2 million to settle a HUD investigation.

Regulators cited 13 underwriting violations. A related class action alleged RICO and RESPA violations. That case tied back to the Countrywide partnership.

It did not involve KBHS Home Loans. The current company formed about a decade later with a different partner. Treat the Countrywide matter as history, not as a current legal issue.

Still, it shows a pattern worth knowing before you sign. Key services or programs KBHS focuses on buyers of new KB homes. It offers a full menu of loan types.

Home purchase loans for KB buyers KBHS writes conventional, FHA loans, VA, USDA, and jumbo loans. It also markets down payment assistance and foreign national loans in some branches. Most borrowers use KBHS to buy a KB home.

The lender ties its offers to the builder relationship. Adjustable-rate mortgage options KBHS promotes adjustable-rate mortgages more than many builder lenders. It offers 5/6 and 7/6 ARM structures.

These can help buyers who plan to move or refinance within a few years. KBHS also writes standard 15-year and 30-year loans. If you want steady payments, a fixed-rate mortgage may fit better than an ARM.

Digital application and portal KBHS offers an online application. Buyers can upload documents and track status through a portal. Loan officers can walk you through screens by phone.

Confirm current features on the lender's site before you apply. Pricing and fees KBHS does not publish one flat rate. Your rate depends on credit, down payment, loan type, and the home price.

Pull a live quote from the lender before you commit. Then compare it against an outside lender's quote on the same day. Builder incentives can lower your cost, but only if the base rate stays fair.

Work out how much house you can afford first. That step keeps the incentive math honest. One BBB complaint claims a loan officer quoted a rate about 1.6 percentage points above market.

The buyer said the higher rate was tied to avoiding a formal denial letter. This is one person's account. It is not a proven company practice.

Still, it is specific, so weigh it when you shop. Why a joint venture lender is not a plain captive lender A joint venture is not the same as a wholly owned in-house lender. KBHS is owned half by KB Home and half by Stearns and Guaranteed Rate.

A lender like DHI Mortgage sits fully inside its builder. The disclosure rules feel similar to buyers. The ownership and accountability differ.

Knowing who underwrites and services your loan helps you ask better questions. Customer reviews and complaints KBHS scores tell two very different stories. The numbers below reflect the latest public data.

Google Business Profile reviews KBHS holds a 4.9 out of 5 rating from more than 3,000 Google reviews. Buyers praise loan officers and smooth closings. That volume makes Google one of the largest and most visible sources of feedback on the lender.

Keep in mind that a builder lender often invites happy buyers to leave a review at closing, so read a sample of the comments rather than trusting the star average alone. Birdeye reviews Birdeye shows a 4.9 out of 5 rating from 3,130 reviews. This tracks close to the Google score.

Birdeye aggregates feedback across several sites, so its total often overlaps with the Google count. The near-identical rating suggests the positive feedback stays consistent across the platforms KBHS actively manages. Better Business Bureau reviews The BBB gives KBHS an A+ letter grade.

The company is not BBB accredited. On the same page, its customer review score sits at 1.08 out of 5 from 84 reviews. The BBB lists more than 300 complaints in three years.

More than 170 landed in the past 12 months. The letter grade measures how a business answers complaints. It does not measure how happy customers feel.

Read both numbers, not just the A+. Zillow reviews Zillow rates KBHS 2.19 out of 5 from 16 reviews. The small sample sits well below the Google and Birdeye scores.

Zillow reviews often come from borrowers who found the lender while shopping for a home rather than through the builder's closing process. Because the sample is so small, a few negative experiences can pull the average down, so weigh this score alongside the larger review sets. Reddit reviews

Reddit threads show mixed views. Some buyers say the builder pushed them hard to use KBHS. Others say the preferred lender beat outside quotes once they asked for a loan estimate.

Read real threads before you decide, and always compare offers. Common complaint themes One buyer alleged pressure to misstate occupancy intent instead of getting a formal denial. One complaint raised an Equal Credit Opportunity Act discrimination claim.

One buyer said KBHS withheld denial paperwork and asked for a subpoena. Each item is a single, unproven claim. Report them as allegations, not facts.

You can search these patterns yourself in the CFPB complaint database. Outcomes and success rate KBHS does not publish approval rates or savings figures. So no success metric is verified here.

What we can measure is volume and reputation. Third-party sources cite about $3.5 billion in loan volume in a recent year. The parent builder, KB Home, holds a 4.5 out of 5 rating on NewHomeSource from nearly 9,000 reviews.

Those numbers show scale, not loan outcomes. Judge KBHS on your own quote and your own paperwork, not on broad stats. Pros and cons Pros Guaranteed Rate, a top national lender, backs KBHS through its Stearns purchase.

Google and Birdeye scores are strong at 4.9 out of 5 across thousands of reviews. The application is largely digital, with a 24/7 status portal. ARM options give short-term buyers more flexibility.

No current lawsuit was found against KBHS Home Loans, LLC in this research. Cons The BBB customer score is very low at 1.08 out of 5, with 300-plus complaints in three years.

Serious individual complaints allege occupancy pressure, discrimination, and withheld paperwork. KB Home's older Countrywide venture drew a HUD settlement and a RICO case, which shows a past pattern. The exact licensed-state count is hard to confirm, so verify it yourself.

As a builder lender, KBHS can create pressure to use it for incentives. Best for and not recommended for KBHS may work for you if You are a KB Home buyer who compared KBHS against an outside lender. You want an ARM and confirmed the current terms in writing.

You read the Affiliated Business Arrangement disclosure and know you are not required to use KBHS. You are fine with Guaranteed Rate running the loan behind the KBHS name. KBHS may not fit if You feel any push to misstate how you plan to use the home.

You have not received all denial paperwork in writing. You have not checked the licensed states for your area. You treat a BBB A+ grade alone as proof of good service.

If you are still learning the basics, read a plain-English guide on how to qualify for a loan before you apply. KBHS Home Loans vs DHI Mortgage DHI Mortgage is the in-house lender for D.R. Horton. Both are builder-tied lenders, so buyers compare them often.

The structures differ. KBHS is a 50/50 joint venture. DHI Mortgage sits fully inside its builder.

There is also a legal contrast. DHI Mortgage faces active RICO-based litigation as of recent reporting. KB Home's comparable trouble is old and tied to the Countrywide venture, not to KBHS.

Do not assume KBHS carries the same current risk. Pull each lender's live rate and license status before you compare. A broad look at the mortgage loan process can help you weigh both.

Is KBHS Home Loans legitimate? KBHS is a licensed lender under NMLS #1542802. It operates as a real joint venture and serves buyers across about 10 states.

No current lawsuit was found against KBHS Home Loans, LLC in this research. That said, the review data splits hard. The BBB shows a 1.08 out of 5 customer score next to an A+ letter grade.

Google and Birdeye show 4.9 out of 5. Those figures measure different things. Add the specific complaints and the older Countrywide pattern, and the picture gets more complex.

KBHS is a legitimate, licensed lender. Whether it is the right lender for you depends on your own quote and paperwork. Final verdict A KB Home buyer faces a wide spread of review scores.

A BBB A+ grade sits beside a 1.08 out of 5 customer rating. Google and Birdeye sit near 4.9. Real complaints raise flags about pressure and paperwork.

The parent company also carries an old captive-lender history, even if it does not touch KBHS today. So do not lean on the brand's own polish. Get a live KBHS quote.

Compare it against an outside lender on the same day. Read the disclosure, and ask for every denial and adverse-action document in writing. Then let the numbers decide.

KBHS can be a fair option for a prepared buyer who checks the details. Frequently asked questions Is KBHS Home Loans part of KB Home? KBHS is a 50/50 joint venture between KB Home and Stearns Lending.

Guaranteed Rate now runs it after buying Stearns' parent company in 2021. Why is the BBB score so low if the grade is A+? The A+ letter grade rates how KBHS answers complaints.

The 1.08 out of 5 score reflects customer reviews. They measure different things. Do I have to use KBHS to buy a KB home?

No. The Affiliated Business Arrangement disclosure states you are not required to use KBHS. Compare at least one outside quote first.

What states does KBHS serve? KBHS lends in about 10 states and cannot lend on New York homes. Confirm your state on NMLS Consumer Access.

Is KBHS Home Loans safe to use? It is a licensed lender with strong Google reviews and weak BBB reviews. Read your documents, compare quotes, and keep all paperwork in writing.