Kristen Zorda, NMLS 58751

08/31/2026

What if I told you you’re not the only person who overthinks their credit score when they want to apply for a mortgage? Here’s what you might not know...you don’t need perfect credit to secure a low down payment.

FHA financing may offer more flexible credit guidelines and low down payment options for qualified buyers. Contact me today and I can walk you through how it works.

08/30/2026

The market can give you reasons to buy and reasons to wait. I focus on the part that matters most: your budget, timeline and plans.

If the payment feels comfortable and the home supports your next few years, buying now may make sense. If the numbers don’t work, waiting may be the smarter decision.

I can run both scenarios with you.

08/29/2026

If you have a good mortgage rate, you may not want to give it up just to access your equity.

A home equity loan* may let you borrow what you need while keeping your current mortgage and rate in place. I can help you compare the additional payment and total cost.

*All credit decisions for brokered products will be made by a third party. Restrictions and limitations apply.

08/28/2026

Looking for a little more breathing room in your monthly budget? Take a look at whether PMI (private mortgage insurance) is still part of your mortgage payment.

Depending on the loan product, if you’ve paid down your balance or your home’s value has gone up, you may be able to remove it and lower what you pay each month. I can run your numbers to see if you’re able to remove your PMI.

08/27/2026

A lot of homeowners assume they have to wait years before refinancing. In many cases, the window may open within six to twelve months, depending on your mortgage and payment history.

If you think you’re ready to refinance, let’s talk. I’ll look at your current mortgage, discuss what you want to improve and see if your new payment and closing costs make sense together.

08/25/2026

Closing is the last step before the home is officially yours. You’ll get your Closing Disclosure at least three business days ahead of time, so you can review the final numbers and know what to bring.

08/14/2026

Financial wellness doesn't have to be complicated. Small steps can make a big impact on your financial future.

Which item are you tackling this month? 👇

08/12/2026

07/31/2026

Higher rates don't always have to mean higher payments. For a limited time, PrimeLending is covering the cost of a temporary 1-0 rate buydown for eligible homebuyers.*

That means lower monthly payments during your first year, so you don't have to put your homeownership plans on hold.

*Buydown 1-0 Option will be paid by PrimeLending. Rate discount applies only to first year. Must apply for and lock loan through PrimeLending between 7/13/26 and 8/21/26. Savings will reflect on the Closing Disclosure. Offer only available for FHA, VA, and USDA purchase loans. Excludes bond, broker, conventional products, high balance, jumbo products, portfolio products, and construction loans. Offer can be paired with PrimeLending VA No Lender Fees promotion, all other promotions are excluded. Availability subject to investor guidelines. Additional restrictions may apply, contact a PrimeLending loan officer for details. Subject to credit approval.