Kay Browne - Your Mortgage Broker

Kay Browne - Your Mortgage Broker Contact information, map and directions, contact form, opening hours, services, ratings, photos, videos and announcements from Kay Browne - Your Mortgage Broker, Mortgage brokers, 3100 W Ray Road Ste 201 Office #209, Chandler, AZ.

Mortgage Broker NMLS #1977861
NEXA Mortgage LLC NMLS #1660690

NEXA Mortgage LLC is an Equal Housing Lender

https://nmlsconsumeraccess.org/TuringTestPage.aspx?ReturnUrl=/EntityDetails.aspx/COMPANY/1660690

12/22/2025

Credit cards. Medical bills. Auto loans.
Managing multiple payments can feel overwhelming.

A cash-out refinance is one option worth exploring. It allows homeowners to use available equity to consolidate high-interest debt into one mortgage payment. Depending on your situation, this may help simplify cash flow and potentially reduce overall interest costs.

💡 Every scenario is different AND numbers matter.

See how much you could save.
📩 Message me to review your options.

How Much House Can You Afford? 🏡🧮A simple rule of thumb to estimate your home purchase price is:👉 Annual Income x 3.5 = ...
06/17/2025

How Much House Can You Afford? 🏡🧮

A simple rule of thumb to estimate your home purchase price is:

👉 Annual Income x 3.5 = Estimated Purchase Price

So, if your household brings in $80,000 a year:
$80,000 x 3.5 = $280,000 purchase price range

💡 Let’s be real though: this is just a starting point.
Your credit score, debt, interest rate, down payment, and even property taxes all play a role in what you can truly afford.

⸻

👩🏻‍💼 As a mortgage pro, I help people find out what they qualify for based on real numbers, not just guesses.

📩 If you’re curious what your real numbers look like, message me! I’d love to run some quick scenarios for you, no pressure, just facts.

06/11/2025

🎉 Closed! Let Me Break It Down…

Another win for one of my amazing client! 🙌
Here’s how this recent deal went down 👇

📝 Client type: First-time homebuyer looking for a duplex (living in 1unit and renting out the other)

💵 Loan type: FHA

🏡 Offer accepted: Under asking (yes, it still happens!)

📆 Approved in: 24 hours

🚀 Closed in: 17 days

🙋🏻‍♀️ Challenges: Lower credit score, tight budget

✨ Outcome: New homeowner, building equity and income, and no more rent!

This is proof that the right strategy, the right lender (hi 👋), and the right guidance can make all the difference.

If you’re wondering whether now is the right time, let’s chat.

DM me “HOME” 💬

06/06/2025

📣 Minnesota Homeowners + First-Time Buyers, this is your chance 🏡🔐

If you’re thinking about refinancing or buying soon, lock in before rates rise.

✅ 24hr pre-approvals. ✅ Fast closings.
💬 DM me “READY” and I’ll personally help you today.

If I could show you how to get approved in 24 hours and close in 10–14 days, would you be ready?DM me ‘READY’ or click t...
06/04/2025

If I could show you how to get approved in 24 hours and close in 10–14 days, would you be ready?

DM me ‘READY’ or click the link in bio to schedule a call today 🏡🔐

Yes, it is possible to move into a new home, improve your credit score while simultaneously sell your current home ☝️ BU...
05/29/2025

Yes, it is possible to move into a new home, improve your credit score while simultaneously sell your current home ☝️ BUT a few things need to line up:

• Speak with a mortgage professional 🙋🏻‍♀️ to seek all options you have!
• You’ll need to get pre-approved ✔️; credit score can be as low as 500
• The right seller and flexible closing timeline can make all the difference 🔴

Some sellers are open to quick closings (within 30 days), while others might prefer a 60–90 day timeline. The key? Partnering with a lender and agent who can move fast and negotiate smart.

If you’re in a similar spot: selling, watching credit, and hoping to time your next purchase; I’m happy to guide you through it. Let’s make the timeline work for you.

Selling Your 🏡? Here’s How a Mortgage Loan Officer 🙋🏻‍♀️ Can Actually Help You Win 🏆.Most sellers think mortgage pros on...
05/15/2025

Selling Your 🏡? Here’s How a Mortgage Loan Officer 🙋🏻‍♀️ Can Actually Help You Win 🏆.

Most sellers think mortgage pros only work with buyers 🚫 but that’s only half the story. 👇

First-Time Homebuyer? Don’t Let This Happen to You.Too many people get told they need 20% down to buy their first home—a...
05/08/2025

First-Time Homebuyer? Don’t Let This Happen to You.

Too many people get told they need 20% down to buy their first home—and it’s simply not true.

As a first-time buyer, you may qualify for:

• 3% down conventional loans
• FHA loans with 3.5% down
• Down payment assistance programs (some you don’t repay immediately)
• Grants, state & local incentives, and more

The problem? Not everyone you talk to knows or tells you about these options.

If you’re confused, overwhelmed, or stuck—let’s fix that.
You don’t have to figure it out alone.

DM me “first home” and I’ll send you a free guide or walk you through your options.

02/03/2025

A big difference between renting and buying is EQUITY—when you rent, you pay your landlord every month and never see that money again. 💸💸
When you buy, part of your mortgage payment goes toward owning your home 🏡, building wealth over time. 📈

Let’s say rent is $2,000/month. Over 5 years, you’ve spent $120,000—building your landlord’s equity, not yours.

Now, if you buy a home with a $2,500/month mortgage:
✅ You’re paying $500 more per month, but that money is going toward homeownership.
✅ You’re paying down your loan while your home likely increases in value.

If your home appreciates at 3% per year, a $300,000 home could be worth $347,000 in 5 years—giving you $47,000+ in home equity that belongs to you!

The difference?
🔴 5 years of renting: $120K spent, zero return
🟢 5 years of homeownership: $47K+ in your net worth, that’s a return!

That’s the power of homeownership 🏡🔐—your money 💵 works for you 🫵, not your landlord!

Address

3100 W Ray Road Ste 201 Office #209
Chandler, AZ
85226

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