Kristen Zorda, NMLS 58751

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Kristen Zorda, NMLS 58751

Kristen Zorda NMLS 58751 is a registered mortgage loan originator at PrimeLending, and North Syracuse is a NY registered branch of PrimeLending.

primelending.com/legal Equal Housing Lender For licensing information, go to: www.nmlsconsumeraccess.org PrimeLending NMLS ID: 13649 Kristen Zorda is a registered mortgage loan originator at PrimeLending, and North Syracuse is a NY registered branch of PrimeLending.

10/31/2026

Things to ghost this year:

Renting.

Landlords.

Paying someone else’s mortgage.

If homeownership has been on your mind, don’t let assumptions about down payments, credit or today’s market scare you away. You may have more options than you think.

Ready to stop renting and start working toward a home of your own? Let’s talk about what it takes to get you there.

10/30/2026

When Was Your Last Mortgage Checkup?

Your life changes. The market changes. Your mortgage options can change, too.

A quick mortgage checkup can help you understand how much equity you’ve built, whether your current loan still fits your goals and what other options may be available.

Sometimes, simply knowing where you stand can help you plan what’s next.

Ready for a mortgage checkup? Let’s talk.

10/28/2026

Don’t let one number scare you away from exploring your options.

Buying could mean finding the right home for your life, starting to build equity or getting out of a rental that no longer works for you.

Refinancing could still make sense if you want to access equity or change your loan terms*.

A higher rate doesn’t automatically mean making a move is the wrong move.

Let’s run the numbers and see what makes sense for you.

*All loans subject to credit approval and meeting eligibility requirements. Restrictions apply. Must meet minimum equity requirements. By refinancing an existing loan, the payments and total finance changes may be higher over the life of the loan.

10/23/2026

Your down payment doesn’t necessarily have to come entirely from your own savings.
Depending on the loan program, eligible homebuyers may be able to use gift funds from an approved donor toward their down payment or certain closing costs.
The details matter. Loan programs can have different requirements for who can provide the funds, how they’re documented and how the money is transferred.

10/19/2026

More down isn’t automatically better.

A larger down payment can reduce how much you borrow and may lower your monthly mortgage payment. But buying a home is only one part of your financial picture.

Keeping some cash available for closing costs, emergencies, moving expenses, home improvements or other priorities may be important, too.

The right down payment is the one that makes sense for your loan, your budget and your broader financial goals.

10/13/2026

Budgeting for a home? Look beyond the mortgage. 🏡
Your principal and interest are important, but they’re only part of the cost of homeownership.

Property taxes, homeowners insurance, potential HOA or mortgage insurance costs, utilities and ongoing maintenance can all factor into your overall housing budget.

Understanding those expenses before you buy can help you determine a price range and monthly payment that feel comfortable for the long term.

10/07/2026

A Change Is Coming to the Appraisal Process! Starting November 2nd, UAD 3.6 becomes mandatory for new appraisal reports submitted to Fannie Mae and Freddie Mac.

Realtors - what does that mean for you, your buyers, and your transactions? 🤔 We’re breaking down what’s changing, what you need to know, and how this update could impact the homebuying process.

📲 Don’t wait until November—get up to speed now! Contact me for more info!

10/05/2026

This World Teachers’ Day, we’re grateful for the educators who help prepare us for what’s next. Don't forget to thank your favorite teacher today!

09/24/2026

Sometimes the hardest part is knowing where to begin.

Before you start comparing homes, begin by understanding your financial picture as it stands today.
✅ Monthly spending
✅ Debt payments
✅ Savings
✅ A realistic monthly budget

09/21/2026

You've built equity. Now what?

For many homeowners, equity can be more than a number on paper.
It may help you:
✅ Update your home
✅ Pay off higher-interest debt
✅ Support future homebuying goals
✅ Help cover major expenses

Address

6702 Buckley Road 130 Building B
Cicero, NY
13212

Website

https://lo.primelending.com/kristen.zorda/

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