The Deb Klein Team

The Deb Klein Team Deb Gontko Klein MBA | Branch Manager
NMLS #595188 I’ve been turning homeownership dreams into reality since 2004. John Fisher in Rochester, New York.

As a local lender at Planet Home Lending, I specialize in purchasing and refinancing primary and secondary homes, including vacation and investment properties. My team and I make the loan process quick and seamless, thanks to our in-house processing, underwriting, and closing services, ensuring timely loan closings every time. I hold an Executive MBA from Arizona State University and a Bachelor of

Arts in Communications from St. Proud to be recognized as a Five Star Mortgage Professional by Phoenix Magazine for the past two years. Originally from Michigan, I’ve found my home in Arizona, where I enjoy golf, travel, and quality time with my three sons.

PMI is insurance that protects the lender, not the homeowner.It is commonly required when a borrower makes a down paymen...
09/04/2026

PMI is insurance that protects the lender, not the homeowner.

It is commonly required when a borrower makes a down payment below 20% on certain
conventional loans.

PMI may be removed later once certain equity thresholds are reached, depending on the
loan terms.

Have questions about PMI? Drop them below.
https://myoc.io/fXlMbH4Tca2



Equal Housing Lender. © 2026 Planet Home, a DBA of Planet Home Lending, LLC | 321 Research Parkway, Suite 303, Meriden, CT 06450 (203) 265-5090 | NMLS ID # 17022 | For licensing information, go to: www.nmlsconsumeraccess.org. The DBA “Planet Home” is not authorized for use in the following states and territory: WY.

09/03/2026

Think your salary is the most important factor when buying a home? Think again.

Lenders actually focus heavily on your debt to income ratio. This calculates how much of your monthly income goes toward existing debt payments. Lowering a credit card balance before applying can boost your buying power more than you think.

Want to know where your numbers stand before you start home shopping?

Send me a message today and let us run the numbers together. 🏠
www.reliabilityinlending.com
https://myoc.io/fXlMbH4Tca2

You don't have to navigate the homebuying process alone. Your homebuying team is here is answer your questions and guide...
09/03/2026

You don't have to navigate the homebuying process alone. Your homebuying team is here is answer your questions and guide you every step of the way.
https://myoc.io/fXlMbH4Tca2

09/02/2026

You're less than 15 seconds away from better understanding VA loans.
If you've served, this benefit is yours to use! Drop a question in the comments or send me a DM to learn more.
https://myoc.io/fXlMbH4Tca2

09/01/2026

Did you know that paying cash for everything could actually prevent you from buying a home?

A client avoided credit cards or loans for twenty years, thinking it was the most responsible financial choice. However, when they finally applied for a mortgage, they were denied due to having zero credit history. Lenders need to see a proven track record of on time payments to evaluate your financial history. While alternative options exist today, building credit responsibly is still the best path to buying a home.

If you have been avoiding credit and want to prepare for homeownership, let us create a plan together.
Send me a message today to start building your path to approval. 🏠
www.reliablityinlending.com
https://myoc.io/fXlMbH4Tca2

Your credit plays a role in shaping your loan rate and terms. But it doesn't have to be perfect. It's more beneficial to...
09/01/2026

Your credit plays a role in shaping your loan rate and terms. But it doesn't have to be perfect. It's more beneficial to understand your full credit picture rather than obsess over hitting some magic number.
https://myoc.io/fXlMbH4Tca2

08/27/2026

Want to give your kids a massive head start on their financial future? Adding them as an authorized user on a long standing credit card is a simple move with huge benefits.

A strong credit history opens doors to better financing options when buying a car or purchasing a first home. By managing your account responsibly, you help establish their credit score early without them even needing to use the card.

Are you or your family members looking to buy a home in the near future?

Send me a message today to discuss how we can get your credit ready for homeownership. 🏠
www.reliablityinlending.com
https://myoc.io/fXlMbH4Tca2

LTV compares the loan amount to the home’s value.Example:$400,000 home value$320,000 loan= 80% LTVLower LTV ratios may i...
08/27/2026

LTV compares the loan amount to the home’s value.

Example:
$400,000 home value
$320,000 loan
= 80% LTV

Lower LTV ratios may influence loan structure and mortgage insurance requirements.

Have another mortgage term you’d like explained? Tell us below.
https://myoc.io/fXlMbH4Tca2



Equal Housing Lender. © 2026 Planet Home, a DBA of Planet Home Lending, LLC | 321 Research Parkway, Suite 303, Meriden, CT 06450 (203) 265-5090 | NMLS ID # 17022 | For licensing information, go to: www.nmlsconsumeraccess.org. The DBA “Planet Home” is not authorized for use in the following states and territory: WY.

About 1 in 4 adults are in the "Sandwich Generation" - meaning they are caring for a parent while also raising a child, ...
08/26/2026

About 1 in 4 adults are in the "Sandwich Generation" - meaning they are caring for a parent while also raising a child, according to a 2021 Pew Research Center study. The financial strain of this is being felt, and that's where programs like the Fannie Mae Family Opportunity Mortgage can help.
This program allows borrowers to purchase a home for an elderly parent as a primary residence rather than an investment property. This distinction can save on both interest rates and down payments. Reach out to me today to learn more.

Source: https://www.pewresearch.org/short-reads/2022/04/08/more-than-half-of-americans-in-their-40s-are-sandwiched-between-an-aging-parent-and-their-own-children/
https://myoc.io/fXlMbH4Tca2



Equal Housing Lender. © 2026 Planet Home, a DBA of Planet Home Lending, LLC | 321 Research Parkway, Suite 303, Meriden, CT 06450 (203) 265-5090 | NMLS ID # 17022 | For licensing information, go to: www.nmlsconsumeraccess.org. The DBA “Planet Home” is not authorized for use in the following states and territory: WY.

08/25/2026

Buying a home is a huge milestone, but working with your lender should never feel like a mystery. You deserve clear communication about your comfortable budget and estimated costs before you start shopping. The financing process has moving parts, but a dedicated loan officer guides you through every step with zero surprises.

My main goal is to make your home buying experience as smooth as possible. 🏡 If you are ready to start house hunting with confidence, send me a direct message today.
www.reliabilityinlending.com
https://myoc.io/fXlMbH4Tca2

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3185 S Price Road
Chandler, AZ
85248

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