Kristina Burton - Mortgage Broker

08/27/2026

First time homebuyer edition

Because you may be able to buy with as little as 3% down - or even 0% with certain programs.

You might be waiting forever, as there is no guarantee they will. Instead of trying to time the market, find out what buying looks like with today’s numbers.

You don’t need an 800 score to become a homeowner. There may be options available with less than perfect credit, or options for improving your score through guidance from your lender.

Before committing to another 12 months of rent, find out how to funding your landlord’s future, and figure out how much you qualify for.

Seller concessions can be used to buy down your interest rate and lower your mortgage payment. Negotiating a seller credit may be the difference between feeling uncomfy with your payment, and feeling good about where it lands you.

Before draining savings to pay off a car, credit card, or student loan, let’s look at the full picture first. Those funds might be more valuable toward your down payment, closing costs, or as reserves.

You don’t need to be “ready to buy” to start the conversation. ♥️🏡

08/19/2026

You worked hard to earn your client’s trust. My job is to make sure that relationship doesn’t end just because the first answer is “not yet”.

Some buyers need a different loan program.
Some need a plan.
And sometimes the solution they need, isn’t available quite yet, but we’ll get to searching for one.

That’s why we continue following up, even months or years later. We stay on top of new loan programs, revisit past conversations, and look for opportunities to create a path forward.

This approach helped us uncover 3 more deals for our agent partners from buyers who initially didn’t qualify.

Your referrals deserve more than a “no”. They deserve a path forward.

Have someone in your pipeline who wasn’t ready the first time around? Let’s take another look, and make dreams a reality 🏠

08/12/2026

Waiting for the Fed to cut rates before buying a home? 👀

Here’s what most people don’t realize:

The Fed doesn’t directly control mortgage rates.

Mortgage rates are driven by inflation, the bond market, and investor demand—not just Fed decisions.

That’s why mortgage rates can:
⬇️ Fall without a Fed cut
⬆️ Rise even when the Fed cuts

The better question isn’t, “When will the Fed cut?”

It’s, “Does buying make sense for me today, and do I have a plan if rates improve later?”

08/11/2026

Can nurses buy a home with no down payment AND no mortgage insurance?

In some cases, yes!

Nurse Practitioners, Physician Assistants, and Certified Registered Nurse Anesthetists may qualify for specialized home financing that offer:

✔️ 100% financing
✔️ No Mortgage Insurance
✔️ More cash available for savings, moving expenses and future goals.

One of the biggest myths is that you need 20% down to buy a home, while the reality is your profession may open the door to options you didn’t know existed.

07/31/2026

5.0 star review received on Experience.com for Kristina Burton by Paul J - Thank you very much

Click to see all 154 reviews of Guild Mortgage - Kristina Burton, Senior Loan Officer | NMLS # 1698009

07/28/2026

Are you waiting to buy a home in the Greater Seattle area because you want to avoid mortgage insurance?

You may be focusing on the wrong number.

Many Seattle homebuyers believe they need a 20% down payment before purchasing. But in reality, mortgage insurance is often far less expensive than people expect - and the cost of waiting is much higher.

Thinking about buying a home in Seattle, Edmonds, Lynnwood, Shoreline, Mountlake Terrace, or the greater Puget Sound area?

Before assuming you need 20% down, ask: 1️⃣ What would mortgage insurance actually cost me? 2️⃣ How much would I need if home prices increase? 3️⃣ Is waiting helping or hurting me financially?

07/23/2026

They bought when rates were near 8%, and said something in our annual review call that I can’t get out of my head..

“We’re so glad we didn’t wait for rates to drop”

At the time, most buyers were sitting on the sidelines, waiting for the “perfect” rate. Instead, these clients focused on finding the right opportunity.

That decision allowed them to purchase their home for over 18% below market value. Since then, they’ve built significant equity, refinanced into the low 6s, and are currently in a much stronger position than if they had kept waiting.

A lower rate is great, but it doesn’t always mean a better deal.

The truth is, you can refinance a rate later, but you can’t go back and buy a home at yesterday’s price.

If you’re wondering whether it makes sense to buy now or wait, let’s run the numbers and see what opportunity might be available for you.

07/20/2026

The great irony of self-employment: your tax pro spends all year legally minimizing your taxable income. Then you apply for a mortgage, and that beautifully minimized number is what gets reviewed first.

Nobody warns you that those two goals pull in opposite directions.
Here’s how the reading actually works: lenders typically review your tax returns to calculate a qualifying income. But it’s not always just the bottom line. Certain deductions, like depreciation, may be added back into the calculation. Business trends matter. And different lenders and loan programs can read the same file differently, some are built with self-employed borrowers specifically in mind.

Which means the number the first bank quoted you? That was one institution’s reading. Not the only one that exists.

If you’re 1–2 years from buying, a conversation with your tax pro AND your lender before filing can matter more than you’d think. And if you’ve already been told “not enough”, a second read of your file costs nothing.

Self-employed and wondering what your income actually looks like on paper? Let’s review the real file. 📲

07/16/2026

Most first time homebuyers think they are years away from buying a home, but in reality they often already have what lenders are looking for.

The biggest obstacle I often see isn’t qualification - it’s assuming you won’t be approved.

You might be closer than you think. 🫶