Kristina Moradi - Primary Residential Mortgage, Inc.

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Baltimore, MD
Kristina Moradi - Primary Residential Mortgage, Inc.

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Loan Officer • NMLS # 1185735
PRMI NMLS #3094. Primary Residential Mortgage, Inc. is an Equal Housing Lender.

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10/29/2026

Pints 🍺 and Pumpkins 🎃!!! Always a great time getting together outside of writing offers and closing deals😉. It truly is so fun seeing everyone’s creative side with my fall activities. 🥰

Plus a bonus - Happy Birthday Sheri Gunther 🎈

10/28/2026

🏡 Ready to buy your next home before selling your current one?

With PRMI MoveFirst, eligible homeowners may be able to make their next move with more flexibility, without waiting for their current home to sell!

✨ Program Highlights:

✅ Make a non-contingent offer
✅ Access up to $2 million in home equity
✅ Use funds toward down payment and closing costs
✅ Potentially cover eligible debt payoff, home prep, and moving expenses
✅ Get up to 6 months to sell your current home

📲 Contact me today at 443-257-2715 to see if you qualify for MoveFirst!

10/28/2026

NATIONAL FIRST RESPONDERS DAY 🚒
Today we recognize the first responders who serve our communities every day. Thank you for your courage, dedication, and commitment to helping others.

10/26/2026

Happy National Pumpkin Day! 🎃 From front porch décor to pumpkin-flavored treats, today is all about one of fall’s favorites.

10/26/2026

🏡 LOVE YOUR NEXT HOME, BUT NOT SURE HOW TO GET THERE?

Ready to move up to your next home but wondering how to buy your next house without selling your current one first? 🤔

Whether you need more space, want to upgrade, or are simply ready for a change, navigating the sale of your current home while purchasing your next one can feel overwhelming. But with the right strategy, you may have more options than you think!

Join Eric and Nancy Horne and me for a FREE virtual seminar where we’ll walk you through your options for selling, buying, and financing your next home, including PRMI’s Buy Before You Sell Program! 🔑

📅 Tuesday, November 3rd
⏰ 4:30 PM
💻 Virtual via Zoom

We’ll help you understand your options, plan your next move, and learn how to make the transition as smooth as possible. You won’t want to miss this!

📲 Ready to make your move? DM us the word “MOVE UP” to sign up!

Tag someone who’s thinking about moving into their next home! 👇🏡

BuyBeforeYouSell

10/23/2026

It’s National Horror Movie Day! 👻 What scary movie are you brave enough to watch with the lights off? Drop your favorite below! ⬇️

10/19/2026

🏡 Buying a Home with an Assumable Mortgage?
PRMI’s Piggyback HELOC may help bridge the gap between the seller’s existing mortgage balance and the purchase price, potentially reducing the cash needed at closing. 🔑

📌 Qualification, credit, combined loan-to-value, and program guidelines apply. Approval is subject to eligibility.
Questions? Reach out today at 📞 443-257-2715 for more information!

10/17/2026

Need to move, but worried you missed the window to sell your house until next year or next spring? Don’t count yourself out of the market so fast. About a third of all home sales happen in the last four months of the year – and that share has been growing every year since 2023. Based on the forecasts, that means roughly 11,800 houses are expected to sell every single day between now and the end of December. Buyers are still out there, ready to move before the new year. Let’s connect and get your house in front of them.

10/16/2026

**Two-week closing? SURE, WHY NOT?! 😁🏡🔑**

This closing came with a little plot twist! I had locked in my buyer’s interest rate before rates increased, but when the first property didn’t pass inspections, she was back on the hunt for the perfect home.

The good news? 🙌 With the right financing options available through PRMI, we were able to preserve her original rate lock for the new property, subject to program guidelines and approval, and keep things moving toward a quick closing!

✨ **The result? A new home, a favorable interest rate, and a TWO-WEEK closing!**

Congratulations to my newest homeowner! 🏡🎉 I’m so excited for you and this next chapter!

A special thank-you to **Kiah Fields with The Synergy Group at eXp Realty**. It was such a pleasure working with you! Your communication, teamwork, and guidance helped make this process seamless for your buyer.

Deals don’t always go exactly as planned, but having the right team and financing strategy can make all the difference!

Thinking about buying a home? Or working with a buyer whose plans have changed? Let’s talk about the options!

10/15/2026

🏡 **Could a 2/1 Buydown make buying a home more affordable in today’s market?**

With mortgage rates higher than many buyers would like, a **temporary 2/1 interest rate buydown** can be a great tool to help make the first two years of homeownership a little more comfortable.

Here’s how it works:

🔹 **Year 1:** Your interest rate is 2% lower than your actual note rate
🔹 **Year 2:** Your interest rate is 1% lower
🔹 **Year 3 and beyond:** You pay the full note rate

The result? **A lower monthly principal & interest payment during those first two years.** The mortgage itself doesn't permanently change—the reduced payments are funded through a buydown account established at closing.

So why is this becoming an interesting strategy again?

As rates rise and some homes sit on the market longer, buyers may have **more opportunity to negotiate with sellers for closing-cost assistance.** Instead of simply asking for a price reduction, a buyer may be able to negotiate for the seller to contribute toward a 2/1 buydown, helping reduce their monthly payment during those first two years. Seller-funded buydowns are subject to applicable concession limits and loan guidelines.

💡 **Even better:** If rates improve in the future, a buyer may have the opportunity to refinance—but they shouldn't purchase assuming a refinance is guaranteed.

A 2/1 buydown isn't the right strategy for everyone, but in the right situation, it can be a **powerful negotiating tool for buyers and sellers in today's market.**

**Realtors:** This is one more strategy you can bring to the table when negotiating with a seller.

**Buyers:** If you're considering buying, let's see whether a 2/1 buydown could make sense for your situation!

Address

3 E Henrietta Street
Baltimore, MD
21230

Telephone

(443)2572715

Website

http://primeres.com/kmoradi

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