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Monday 9am - 5pm Tuesday 9am - 5pm Wednesday 9am - 5pm Thursday 9am - 5pm Friday 9am - 5pm

Kim Earls at Guaranteed Rate (NMLS #453196)

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United States
Columbia, MD
Kim Earls at Guaranteed Rate (NMLS #453196)

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Contact information, map and directions, contact form, opening hours, services, ratings, photos, videos and announcements from Kim Earls at Guaranteed Rate (NMLS #453196), Mortgage brokers, 10320 Little Patuxent Pkwy, Suite 1140, Columbia, MD.

10/28/2026

HELOC (Home Equity Line of Credit) and cash-out refi get mixed up all the time, and it's easy to see why.

Both are ways to make use of the equity you've built, they just work very differently. Knowing how they compare puts you in a better spot to decide what fits when your goals shift. No need to have it all figured out today.

Save this for when the time feels right, and reach out whenever you'd like to talk it through.

09/29/2026

Congratulations to my amazing client on their brand-new construction home! It was a joy helping you finance this dream from the ground up. Here’s to new beginnings🔑
Thinking about building? Let’s talk about your options.
Williamsburg Homes

09/23/2026

The limit went up, and so did your options. 🏡
Rate is getting ahead of the 2027 update, so you don’t have to wait until the new year to take advantage of more room on a conventional 30-year fixed loan.
If you’ve been eyeing a new build or a home that felt just out of reach, now is a great time to run the numbers again. I’d love to walk you through what this could look like for you. Send me a message or tap the link in bio to start the conversation. 📲

09/17/2026

Thank you to everyone who came out to our Arlington rooftop September Sunset Social with craft cocktails in hand, skyline glowing, and so many good conversations. Can’t wait for the next one!

09/09/2026

Best. Day. Ever. 🥰 Celebrating this closing with the most beautiful newlyweds — proud to help those who’ve served find a place to call their own. Thank you Anthony Joseph Corrao for trusting me with your amazing buyers. You turn every homebuying experience and settlement into a celebration of the best things in life! Congratulations on this incredible milestone. Here’s to many happy memories under your own roof! 🏡

09/01/2026

School's in session! Rate is here to help you check off your essentials before house hunting. 🏡✏️

Applicant subject to credit and underwriting approval. Restrictions apply.
Guaranteed Rate Inc. D/B/A Rate; NMLS #2611. For licensing information visit nmlsconsumeraccess.org. Operating as Guaranteed Rate, Inc. in New York. Equal Housing Lender.

08/26/2026

Condo rules just changed. Some deals that qualify today won’t in 2027. 👀
Swipe for what changed, what to gather before you list, and the one exception that’s good news for builders.
Send me your condo docs, I’ll tell you where you stand.

08/14/2026

Kinda chic to know conventional isn’t the only option, veterans can stack more than one VA loan, and a 100% disability rating means exemption from MD property taxes. Building, buying, or refinancing, I’m here before the questions even start.
Send me a DM, or just add me to the group chat. 😉

08/13/2026

Pattern recognition is the first step. Now it's time to break it.

Guaranteed Rate Inc. D/B/A Rate; NMLS #2611. For licensing information visit http://ms.spr.ly/6182a1zqj. Operating as Guaranteed Rate, Inc. in New York. Equal Housing Lender.

08/06/2026

The best way to stop paying rent? Owning a home. We can help with that.

Guaranteed Rate Inc. D/B/A Rate; NMLS #2611. For licensing information visit http://ms.spr.ly/6183aEcoZ. Operating as Guaranteed Rate, Inc. in New York. Equal Housing Lender.

Applicant subject to credit and underwriting approval. Restrictions apply.

08/03/2026

Our choices shape our days, and our days shape our lives. Start living yours in the Rate App.

Guaranteed Rate Inc. D/B/A Rate; NMLS #2611. For licensing information visit http://ms.spr.ly/6188a8x04. Operating as Guaranteed Rate, Inc. in New York. Equal Housing Lender.

07/25/2026

Car guy? No. House guy.

Applicant subject to credit and underwriting approval. Restrictions apply.

Guaranteed Rate Inc. D/B/A Rate; NMLS #2611. For licensing information visit http://ms.spr.ly/6181v7DIb. Operating as Guaranteed Rate, Inc. in New York. Equal Housing Lender.

07/22/2026

All the tools to live a longer, happier life - all in one place

07/21/2026

Closing day: 🥳🔑🏡 Moving day: 📦😵‍💫🍕🛏️

Guaranteed Rate Inc. D/B/A Rate; NMLS #2611. For licensing information visit http://ms.spr.ly/6180vfO4Y. Operating as Guaranteed Rate, Inc. in New York. Equal Housing Lender.

Applicant subject to credit and underwriting approval. Restrictions apply.

07/20/2026

Consider this a stress-free sample of all the Rate App app has to offer.

Guaranteed Rate Inc. D/B/A Rate; NMLS #2611. For licensing information visit http://ms.spr.ly/6187v2bBc. Operating as Guaranteed Rate, Inc. in New York. Equal Housing Lender.

07/14/2026

The couch situation is between you and the doorway. The utilities do not have to be.

Rate Concierge gives you one point of contact to transfer and set up your utilities and internet at your new home, at no additional cost. Less time calling providers. Fewer moving-day surprises. One less horror story. Rate Concierge, powered by OneSource.

Guaranteed Rate Inc. D/B/A Rate; NMLS #2611. For licensing information visit http://ms.spr.ly/6189vFO99. Operating as Guaranteed Rate, Inc. in New York. Equal Housing Lender.

07/04/2026

Two hundred fifty years of freedom. That's worth celebrating.
However you're spending today, whether it's a cookout with family, fireworks with friends, or just a quiet moment to appreciate it all, I hope it's a great one.
Here's to America, and to the next 250 years.

06/25/2026

Last week, I had the chance to be in a room full of people who are really good at this job, and even better at sharing what they know.

The Top 100 Club Meeting brought together some of Rate's best, and the conversations that happened between the big moments were honestly some of the best parts. Real talk about what's working, what isn't, and how to keep growing. No one was holding back.
That's the thing about this group. They compete hard, but they're not keeping score on knowledge.

To everyone who earned a spot in that room, congrats. It's an honor to be counted among you. See you next year. 🤝

06/19/2026

Today is about pausing to honor history, reflect on progress, and celebrate how far we've come. Happy Juneteenth to everyone.

06/17/2026

Honored and grateful to be recognized in Rate’s 2026 President’s Club.

While this recognition carries my name, it is truly a reflection of an incredible team that works every day to deliver an exceptional experience for our clients and partners. I am fortunate to work alongside professionals who share the same commitment to service, excellence, and doing the right thing.

After nearly 30 years in this industry, I remain incredibly grateful for the relationships we've built and the trust our clients, builder partners, and referral partners place in us.
Thank you to my team, our clients, and our business partners for being part of this journey. This achievement belongs to all of you, and I’m excited for what we'll accomplish together in the years ahead.

Address

10320 Little Patuxent Pkwy, Suite 1140
Columbia, MD
21044

Opening Hours

Monday	9am - 5pm
Tuesday	9am - 5pm
Wednesday	9am - 5pm
Thursday	9am - 5pm
Friday	9am - 5pm

Website

https://www.Rate.com/kimearls?utm_source=facebook&utm_medium=organic&utm_campaign=yext&utm_content=24726&adtrk=%7Cseo%7C

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