Headshot of Kapil Kharel

Kapil Kharel

Loan Officer

Cincinnati, OH Mortgage Lender

NMLS #2224436

4050 Executive Park Drive, Suite 220
Cincinnati, OH 45242
Contact Methods
mobile Mobile
(615) 578-4107


About Kapil

Originally from Nashville, Tennessee, I’m a loan officer who now calls Louisville home and has a passion for finding creative financial solutions for my clients – no matter how complex. Speaking fluent English, Nepali, and Hindi allows me to break the language barrier and provide peace of mind throughout the mortgage process. Whatever your homeownership goals may be, they can be achieved, and I’ll be at your side to help you make your move.

My success in home financing comes from staying up to date on the latest mortgage complexities, technology, and cutting-edge real estate marketing techniques. I’ll put my knowledge to work by guiding you through a selection of home loan options, such as conventional, FHA, VA, and USDA programs, to find the loan that fits your goals. We’ll answer all your questions and develop a plan that sets you on the path to homeownership. When we work together, you get closer to unlocking the door to your dream home. I look forward to helping you move in.


  • Purchase and Refinance
  • Purchase
  • Refinance Loans

Recent Posts and Articles


A homeowner with a child on his lap calculating whether to buy a new home or refinance his home loan

Owning a home is fun and fulfilling!

What’s not to love about having a space that is entirely yours? You can paint your bathroom fuchsia, have hardwood in the master, put up a wild Mosaic in the kitchen, install a smart thermostat, you name it. After all, it’s your home!

Equally enjoyable are the other personal and financial advantages of being a homeowner: security and stability, equity and wealth building, and more! I’m here to help you get the most from your home financing — whether you’re buying your first home, moving up or downsizing to match your lifestyle, or refinancing your current mortgage.

Helping your home financing process go smoothly.


  • The Mortgage Process

    There are some major milestones on your road to home financing. As your loan officer, I’ll be with you every step of the way to make sure you understand each one and get through them quickly.

  • Payment Calculator

    How much will your mortgage payment be? How much can you save if you refinance? Is it better to buy than rent? Use these online calculators to crunch the numbers and see for yourself.

  • Find the Right Loan

    I separate myself from other lenders by offering a broader selection of home financing options — from loans for first-time homebuyers to refinance programs for accessing your home’s equity.

  • Home Loan Check List

    Before you explore the endless options of home financing, some preparation is in order. Planning ahead for your mortgage is the key to an easier and more successful home financing process.

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