Kat K Miller Loan Originator

04/01/2026

“I AM the spiritual loan officer… but I still pull your actual credit. 😂 📲 katloans.com

03/29/2026

A quiet shift is reshaping the U.S. housing market 🏡

Over 20 million single women now own homes in the United States, making them one of the fastest growing groups in real estate. Reports show single women consistently outpace single men in homeownership, driven by financial independence, career growth, and changing life priorities.

For many, owning a home is more than property, it represents stability, control, and freedom from traditional expectations. Even with rising costs and interest rates, single women continue to invest in long term security on their own terms.

This is more than a number, it reflects a cultural shift where independence is redefining what the future looks like.

Sources: National Association of Realtors, Pew Research Center, Bloomberg

03/05/2026

CALIFORNIA FIRST-TIME HOMEBUYERS. THIS WON'T LAST.
The state is giving up to $150,000 toward your down payment. No monthly payments. No catch.
The Dream For All lottery closes March 16 at 5:00 PM PST. You need a pre-approval letter BEFORE you can even enter. If you start on March 15, you're already too late.
GrantKey tells you if you qualify in 60 seconds. Free. No credit check. No obligation.
Over $150 MILLION is on the table. Will you be ready?
mygrantkey.com

01/15/2025

12/20/2024

We’ll see what happens moving forward. Can we all send good vibes to the rates…maybe lol

09/18/2024

Wednesday Sept 18th, Attention: Mortgage rates didn’t drop today! The feds announced they are lowering the fed fund rate. (Which is the rate that banks use to loan each other money) Buttttt….Mortgage rates will likely follow suite. Rates have already been coming down the past few weeks. Will they continue to go down? I do believe they will. Stay tuned you know we’ll keep you posted!

08/01/2024

I’ve talked to several LOs and this seems to be the general consensus. Every state is different too. Some states are rolling out specific forms that lay this out but if you’re in a state that hasn’t rolled out any specific documentation, it’s important to have transparency across the board with your LO, Buyer, and title company.

07/17/2024

On FHA you can purchase a primary residence up 4 units (Quadplex) with as little as 3.5% down and on Conventional only 5% down.
You MUST occupy the property for at least a year.

07/17/2024

If you’ve been self employed for 5 years you may qualify for a mortgage using one years most recent tax returns

07/17/2024

Don’t know where to start? It’s right here. www.katloans.com

07/17/2024

Your Realtor and Loan Officer can’t tell you exactly what to offer, but we’re here to guide you! We provide insights on comparable sales and suggest strategies to make your offer shine. Ultimately, the decision is yours, but listening to expert advice can help your offer stand out. 💼🏡

05/29/2024

Don’t know where to start? It’s with a positive mindset and your favorite LO Kat Miller