Kevin Roberts - Movement Mortgage - Nmls#27251

10/05/2026

🚨 BAD NEWS FOR THE ECONOMY… MIGHT BE GOOD NEWS FOR YOUR MORTGAGE. 🏡📉

Yeah, mortgage rates are weird like that.

The September jobs report came in much weaker than expected — only 29,000 jobs added, unemployment ticked up to 4.2%, and previous months were revised lower.

Wall Street heard that and basically said:

“Soooo… maybe we DON’T need another Fed rate hike right now.” 👀

Treasury yields moved lower after the report, which could provide some relief for mortgage rates.

And after 30-year rates recently climbed around 7.28%, I’ll take any good news I can get.

I’m not popping ch*****ne yet. 🍾
Okay… maybe sweet tea. This is Kentucky.

But here’s why this matters if you’ve been sitting on the sidelines waiting to buy:

🏡 More homes are available than before.
💰 More sellers are making price adjustments.
🏗️ Some builders are offering rate buydowns and incentives.
📉 And if rates start cooperating even a little, your buying power could improve.

Translation: If you talked to a lender 3, 6, or 12 months ago and said, “Nope. That payment is uglier than I expected,” it might be worth running the numbers again.

You don’t have to buy a house tomorrow.

You don’t even have to like mortgage rates.

But you should know what your options are before assuming you don’t have any.

If you're in Bowling Green, Franklin, Glasgow, Scottsville, Russellville or anywhere around South Central Kentucky, message me.

Send me “NUMBERS” and I’ll help you figure out what buying a home would actually look like for you — no pressure, no awkward sales pitch, and I promise not to show up at your house holding a clipboard. 😂

Kevin Roberts | Branch Manager
📱 270-392-8108
📧 [email protected]
NMLS #27251 | Movement Mortgage NMLS #39179

10/01/2026

4.75 star review received on Experience.com for Kevin Roberts by Brooke H - The open communication was great.

Click to see all 110 reviews of Kevin Roberts, Loan Officer

09/29/2026

🏡 YOU PICK MY NEXT MORTGAGE TOPIC!

I spend a lot of time answering mortgage questions one-on-one, so I thought… why not let YOU decide what I talk about next?

Which of these would you like me to break down in plain English — no mortgage alphabet soup allowed 😂

🎓 1. Student Loans — How do they actually affect qualifying for a mortgage?

📊 2. Credit Myths — What really helps your score…and what advice needs to retire?

🌾 3. USDA Loans — Where can you buy with USDA, and is 100% financing really possible?

🏠 4. Kentucky Housing (KHC) — What assistance programs are available, and who may qualify?

🎁 5. Gift Funds — Can Mom, Dad, Grandma, or someone else help with your down payment or closing costs?

💔 6. Divorce & Mortgage Buyouts — What happens when one person wants to keep the house?

💼 7. Self-Employed Borrowers — Yes, you can get a mortgage. But the way your income is calculated might surprise you.

👇 COMMENT THE NUMBER you want me to cover next!

And if there’s a mortgage question you’ve been afraid to ask because you think it’s a “dumb question,” drop it below too.

Trust me…I’ve heard stranger. 😂

09/28/2026

🏡 WHAT MOST KENTUCKY RENTERS DON’T KNOW…

You might be closer to buying a home than you think.

I talk to people all the time who assume:

❌ “I need a huge down payment.”
❌ “USDA loans are only for farms.”
❌ “There’s no way I could afford the payment.”
❌ “I should probably just keep renting.”

But here’s what might surprise you:

🌾 USDA financing is available in many eligible areas across Kentucky — and no, you don’t have to buy a farm. 😂

💰 You may need less cash than you think. Depending on the loan program and your situation, there may be low- or even no-down-payment options available.

🤯 And the payment can be the biggest surprise. Some renters have never actually compared their current rent with an estimated mortgage payment.

The biggest mistake?

Assuming you can’t buy without ever checking.

You don’t need to have everything figured out before talking to a lender. That’s literally my job.

📲 If you’re renting in Kentucky and wondering what buying could look like for you, message me “RENT”.

I’ll help you run the numbers. No pressure. No judgment. And I promise I won’t make you sit through a 47-slide PowerPoint. 😏

Kevin Roberts | Branch Manager
Movement Mortgage
NMLS #27251 | Movement Mortgage NMLS #39179

09/17/2026

⏳ TIME IN THE MARKET > TIMING THE MARKET 🏡

I hear this from buyers all the time:

“I’m waiting for rates to drop.”
“I’m waiting for prices to come down.”
“I’m waiting for the economy to settle down.”
“I’m waiting for Facebook to agree on what’s going to happen next.”

Well… that last one could take a while. 😂

Here’s something worth thinking about:

Buying a home isn’t just about what the market looks like the DAY you buy. It’s about what happens during the YEARS you own it.

🏡 You make payments and reduce what you owe.
📈 Home values can change over time.
💰 Equity can build.
💼 Your income and financial situation may improve.
📉 And if rates come down later, refinancing may be an option.

Meanwhile, waiting isn’t necessarily free. You could spend another year paying rent while home prices and interest rates do whatever they feel like doing—which, unfortunately, they do without asking any of us first. 😏

So, should everybody run out and buy a house today?

Absolutely not.

The better question isn’t:

❌ “Is NOW the perfect time to buy?”

It’s:

✅ “Am I financially ready to buy?”

Can you comfortably handle the payment? Do you have the cash needed? What loan programs are available to you? What would buying now actually look like compared with waiting another 6–12 months?

Those are questions we can actually answer.

If you’ve been sitting on the sidelines because you’re worried about rates, affordability, credit, down payment, or whether you’d even qualify, give me a call.

🔮 No crystal ball. No pressure. No “BUY NOW!” sales pitch.

Just real numbers, real mortgage options, and a conversation about whether buying makes sense for you.

Because you don't have to perfectly time the housing market.

You need a plan for your time IN it. 🏡⏳

📲 Kevin Roberts
Movement Mortgage
📱 270.392.8108
📧 [email protected]
NMLS #27251 | Movement Mortgage NMLS #39179

09/14/2026

🏠 “When I was your age, I bought a house on one income…”

Okay, Dad. 😂 But the calculator would like to join this conversation.

Let’s compare buying a home today to the 1970s.

In 1970, the median household income was around $8,700 and the typical existing home was around $17,000.

👉 A house cost roughly 2X the average household’s annual income.

Fast-forward to today…

A home around $400,000 at that same 2X income ratio would require a household income of roughly:

💰 $200,000 PER YEAR.

And before someone says, “Yeah, but interest rates were 15% back then!” — absolutely. By the early 1980s, mortgage rates were brutal.

But there’s an important difference:

🔥 High rates could eventually come down and homeowners could refinance.

🏠 The original purchase price of the house didn’t change.

Today’s buyer is dealing with a completely different combination:

Higher home prices.
Higher payments.
Higher insurance.
Higher property taxes.
And somehow groceries have decided they’re a luxury item too. 😂

So if you’re in your 20s, 30s or 40s thinking:

“How in the world am I supposed to buy a house right now?”

You’re not crazy. The math really is different.

But here's the part I don't want people to miss:

❌ Different doesn’t mean impossible.

There are FHA, USDA, VA, conventional and down-payment-assistance programs that can make buying much more realistic than people realize.

Before you assume you can't afford a home, let me actually run the numbers.

You might be a lot closer than you think.

1970 called. It wants its home prices back. 😂

🏡 Kevin Roberts
📱 270.392.8108
Movement Mortgage | NMLS #27251
Equal Opportunity Lender

09/09/2026

Were you turned down for a mortgage in the last 2 years?

Don't reapply yet.

Let me take a Second Look first.

I'll help you figure out:
✓ What stopped the previous approval
✓ What may need to change
✓ Whether another loan program could make sense
✓ What your next steps should be

Sometimes the answer is yes.

Sometimes it's not yet.

But if it's not yet, I'd rather give you a roadmap than another rejection.

📱 Text SECOND LOOK to Kevin Roberts at 270-392-8108.

09/01/2026

😂🦆 Trying to get your ducks in a row to buy a home?

Good news: your ducks do not have to be perfectly lined up before you call me. Honestly, if they were, I’d be a little suspicious. 😂

Buying a home can feel overwhelming—credit scores, down payments, interest rates, closing costs, paperwork… and that one document the underwriter somehow needs from 2007.

That’s where I come in.

Whether you’re a first-time buyer, moving up, refinancing, investing, or just wondering “Could I actually buy a house?”, I can help you figure out:

🏡 What loan programs you may qualify for
💰 How much down payment you really need
📈 What payment range makes sense
🔨 Renovation financing options
💵 Down payment assistance programs
🇺🇸 VA, FHA, USDA & Conventional options
📝 What you need to do now to get mortgage-ready

You don’t need perfect credit, a suitcase full of cash, or all the answers. You just need a starting point.

📲 Kevin Roberts | Branch Manager / Mortgage Loan Officer
📞 270-392-8108
📧 [email protected]
NMLS #27251 | Movement Mortgage NMLS #39179

Give me a call and we’ll get those ducks lined up.

The ducks are optional. The pre-approval is considerably more useful. 🦆🏠😂

08/28/2026

🏡 Falling in love with a house before getting pre-approved is like planning a wedding before the first date. Love the enthusiasm. Let’s check a few things first. 😂

Before you pick out paint colors, let’s talk budget, loan options, and a monthly payment you can comfortably live with.

Your dream home should leave room in the budget for a life outside of it. 🍕✈️

📲 Message me “HOME” or call 270.392.8108 to get started!

Equal Housing Opportunity

08/20/2026

🚨 First-time homebuyers, this one is BIG!

The Shared Appreciation Mortgage—SAM—has launched and may provide eligible buyers with up to 25% of the purchase price toward the down payment and closing costs for new construction homes.

Yes, 25%. Because apparently houses still require money. Rude. 🏡😂

A few highlights:

✅ Zero-interest, deferred-payment second mortgage
✅ No monthly payment on the assistance
✅ Lower first-mortgage loan-to-value
✅ No PMI required
✅ Available for qualifying first-time buyers and eligible properties

There are income, credit, property, and other program requirements—and the assistance is repaid along with a proportional share of the home’s appreciation.

Want to know whether you may qualify?

📱 Kevin Roberts: 270.392.8108
📧 [email protected]

**All loans are subject to credit approval, income and property underwriting, and program guidelines. Program terms and availability are subject to change.**