Kerins Associates
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Conventional, FHA and VA loans have had decreased PMI pricing this year making all products popular. Loans are submitted upon contract ratification with a clear to close in an average of 13-20 days. There is significant savings in owning your own home. I can walk you through the steps, providing personalized analysis, to show you the difference in owning versus renting.

The Fed has taken a strong position to tamper their purchase of bonds and treasury notes and the effects of those comments are being felt immediately in the market.
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For 29 years my commitment has been to help my clients, and the professionals that assist them, make informed choices about their financing options.
My goal is to help families meet their personal and financial goals with the lowest monthly mortgage payment.
Making dreams come true is what drives me to excel every day.
With my many years in the mortgage business I have built relationships with top lenders to provide elite programs and pricing.
My undergraduate degree is from the University of Maryland where I was the President of the Student Council.
Jumbo Loans are now one of the most competitive programs I provide my clients with a 10% down NO private mortgage insurance option to $3M.
The same great service and quick turnaround time of a few weeks versus the traditional month or two.
One underwriter allows us to stay competitive.
We work every loan from start to finish personally.
We do not release them to third party processors, contract underwriters or outside employees.
When it comes to getting conditions resolved and a loan settled we have worked around the clock.
My passion is helping clients build wealth through real estate and the mortgage planning strategies I provide for you.
I am committed to your happiness and goals.
Clients receive advice based on 29 years of experience, integrity and knowledge.
I want to know what is important to you and your future, provide you the simplest mortgage process in the fastest timeframe.
My success is measured in your happiness.
Life is short so please allow me to be the professional to gain your trust and find your best fit mortgage.
Kathleen was a true Rockstar helping our family secure a very favorable mortgage.
Her wealth of knowledge, energy, and availability made the application and approval process a breeze (her online systems were particularly modern and easy to use).
Kathleen went above and beyond shepherding our family to closing, helping us feel relaxed and in command of a typically stressful situation.
Buying a new home (particularly for the first time) requires a mortgage, where a lender fronts you the money and you pay it back over time.
The minimum down payment on a mortgage is 3% of the home's price for a conventual loan and 0% for military (VA loans).
This three-digit number is a numerical summary of your credit report, a detailed document outlining how well you've paid off past debts like for credit cards and college student loans.
A lender will check your score and report in order to estimate the odds that you will deliver your monthly payment, too.
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