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Whether you are a first-time homebuyer or an experienced homeowner, our team of mortgage professionals is committed to helping you achieve your homeownership goals. We will take the time to understand what is important to you so we can provide the personalized attention you deserve.

You'll benefit from:

Fast, FREE pre-approvals

so you can feel confident making an offer on your dream home knowing exactly how much house you can afford.

Approval in hours, not days
so you don't spend days worrying and wondering.You'll have less stress and get a quicker closing date for your home loan.

Personal, professional assistance
we will answer all your questions and keep you fully informed of your options throughout the home buying process.

Contact a KFS Mortgage Lender today!

Joshua Ward, Loan Officer
Joshua A. Ward

Loan Officer NMLS #1779357

Contact Joshua A. Ward: Call 1-888-249-0606.

Joshua offers KFS Mortgage customers more than 20 years of in-depth banking experience, 10 years of which have been in the Waterville area. You can count on Joshua's broad financial knowledge for your home purchase and refinancing needs.

In addition to being a Notary Public, Joshua is a Dedimus Justice, a lifetime appointment which he received from the Governor of Maine. Raised a "military brat", Joshua has lived in eight states and visited 22, but lives in the Waterville area because he likes Maine best.


The KFS Mortgage team is ready to answer your questions and help you find the perfect mortgage for you.
Please call 1 (888) 249-0606 or email for more information about our mortgage services.

For your protection, do not send personal or confidential information such as account numbers, social security numbers, passwords or PINs via email.