Kim Thomas, Sr. Loan Officer & National Training Manager

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Kim Thomas, Sr. Loan Officer & National Training Manager Kim Thomas
National Training Manager (NMLS # 239180)
Apex Mortgage Group, Inc. (NMLS # 2263239)

Equal Housing Lender
"Helping Turn Dreams Into Reality"

A three-digit credit score can affect your mortgage rate, monthly payment, and what you pay over time. Even a small scor...
09/21/2026

A three-digit credit score can affect your mortgage rate, monthly payment, and what you pay over time. Even a small score change may open or close loan options. Less-than-perfect credit doesn’t always put homeownership out of reach, though. Knowing your score early gives you time to compare programs and decide whether improving it before buying makes sense.

What financing strategy fits your score today?
Start here: www.kim2keys.com
📞 Kim Thomas: 404-723-0056

Are you waiting for lower rates before buying a home? Waiting could mean missing the right property at the right price. ...
09/17/2026

Are you waiting for lower rates before buying a home? Waiting could mean missing the right property at the right price. Rates matter, but so do your budget, cash reserves, monthly payment, and long-term goals. You can’t predict the market, but you can understand today’s numbers and explore options if rates change later. Our latest article looks at what buyers can control now.

What’s driving your decision to buy or wait in 2026?
Start here: www.kim2keys.com
📞 Kim Thomas: 404-723-0056

Two homes with the same $400,000 price tag can cost hundreds more each month. The list price alone doesn’t tell you what...
09/15/2026

Two homes with the same $400,000 price tag can cost hundreds more each month. The list price alone doesn’t tell you what you can afford. Property taxes, insurance, HOA dues, and whether you choose a condo or single-family home can change your payment. Local mortgage programs and assistance may help, too. Know the full monthly cost before you fall in love with a listing.

Start here: www.kim2keys.com
📞 Kim Thomas: 404-723-0056

Buying a home is easier when you can see the loan clearly from the start. Use my mobile app or secure portal to send doc...
09/10/2026

Buying a home is easier when you can see the loan clearly from the start. Use my mobile app or secure portal to send documents, track updates, and message me in one place.

StartHere
📞 Kim Thomas: 404-723-0056
🌐 www.kim2keys.com
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Need cash for an emergency? Your home equity can help!Learn the difference between two popular options:🔹 Cash-out refina...
09/07/2026

Need cash for an emergency? Your home equity can help!
Learn the difference between two popular options:
🔹 Cash-out refinance: Replaces your mortgage with a new loan and gives you a lump sum upfront.
🔹 Home equity loan: Gives you a line of credit to access cash over time.

Read More:
https://tinyurl.com/APEX-Refi-or-Line
📞 Kim Thomas: 404-723-0056
🌐 www.kim2keys.com
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Getting pre-qualified means you can begin your home-buying journey with confidence. You'll have an excellent idea of how...
09/03/2026

Getting pre-qualified means you can begin your home-buying journey with confidence. You'll have an excellent idea of how much home you can afford, what to expect to pay in your mortgage payment, and actions you can take to make you an even stronger candidate.

Start Here 👇
🌐 www.kim2keys.com
📞 Kim Thomas: 404-723-0056

Right now, thousands of buyers are quietly giving up on homeownership because they’re doing the math on 20% and assuming...
08/31/2026

Right now, thousands of buyers are quietly giving up on homeownership because they’re doing the math on 20% and assuming they’re priced out. But thinking you need 20% down is like assuming you can only fly first class or not travel at all—meanwhile, there are dozens of routes and options nobody told you about.

👉 Read more
https://tinyurl.com/APEX-DownPayment-TheMoneyExist
📞 Kim Thomas: 404-723-0056
🌐 www.kim2keys.com

Two terms. Two very different purposes. And buyers mix them up all the time.Earnest money is your commitment deposit — p...
08/27/2026

Two terms. Two very different purposes. And buyers mix them up all the time.

Earnest money is your commitment deposit — paid right after your offer is accepted. Usually 1–3% of the purchase price, held in escrow.

Your down payment is different. It's paid at closing and becomes your actual equity in the home. Depending on your loan type, that could be as low as 3%.

Read more Here 👇
https://tinyurl.com/Apex-EarnestMoneyvsDown
📞 Kim Thomas: 404-723-0056 / 🌐 www.kim2keys.com
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Think your credit score is the only thing standing between you and homeownership? Think again! Your debt-to-income ratio...
08/24/2026

Think your credit score is the only thing standing between you and homeownership? Think again! Your debt-to-income ratio (DTI) shows lenders how much of your income is already committed to debt—and it can make or break your approval. Do you know your DTI? 👀

Learn more: https://tinyurl.com/APEX-DTI-101
📞 Kim Thomas: 404-723-0056
🌐 www.kim2keys.com

As summer winds down, the housing market can shift in a buyer’s favor. With fewer buyers competing and some sellers more...
08/21/2026

As summer winds down, the housing market can shift in a buyer’s favor. With fewer buyers competing and some sellers more motivated to close before year-end, you may have greater negotiating power on price, closing costs, repairs, or other terms. Don’t wait until spring to explore your options—your opportunity could be right now! Let’s talk about your path to homeownership.

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1 Concourse Pkwy
Atlanta, GA
30328

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