Kyle Schmidt - NMLS# 1543389 NorthStar Home Loans

06/10/2026

OFFER ACCEPTED!!! Super excited for my buyers on this great new opportunity and beautiful home for them. Now we go to work!

06/09/2026

A lot of buyers hear “FHA” and “Conventional” thrown around… but most people are never really told what the difference actually is.

Simple breakdown

✅ Conventional Loans
Typically best for buyers with:
• Stronger credit
• Stable income
• Lower debt
• Buyers wanting lower monthly mortgage insurance

✅ FHA Loans
Typically best for buyers who:
• Need more flexible credit guidelines
• Have higher monthly debt
• Are earlier in rebuilding credit
• Need a little more flexibility overall

Neither loan is one-size-fits-all.

The “best” loan is the one that puts YOU in the strongest financial position both now and long term.

That’s why having a strategy conversation before house shopping can make such a big difference.

06/05/2026

06/04/2026

Reality: Sometimes it is...sometimes it isn't!

Many people compare rent to only the mortgage payment, but the true cost of homeownership includes:

• Property taxes
• Homeowners insurance
• Maintenance and repairs
• HOA fees (if applicable)

At the same time, renters often face:

• Rent increases
• No equity growth
• Less control over their housing situation

The truth? There is no one-size-fits-all answer. The best option depends on your goals, finances, and how long you plan to stay.

Don't assume renting or owning is better—run the numbers and make an informed decision.

06/04/2026

🏡 Buying a home is one of the biggest decisions you’ll ever make…

But here’s what most people DON’T think about 👇

👉 What happens to that home if something unexpected happens?

That’s why Marc Lonchay , Kyle Schmidt - NMLS # 1543389 NorthStar Home Loans, and I have teamed up to help families not just BUY their home—but PROTECT it too.

🏠 Your realtor helps you find the right home
💰 Your mortgage originator helps you finance it
🛡️ And I help make sure your family can keep it protected

✔️ Mortgage protection options
✔️ Income protection for families
✔️ Guidance made simple and stress-free

Because homeownership isn’t just about getting the keys—it’s about protecting everything you worked so hard for.

06/02/2026

A lot of buyers think getting pre-approved is the hard part.

Here's what actually happens next:

1️⃣ Home search
2️⃣ Offer accepted
3️⃣ Inspection
4️⃣ Appraisal
5️⃣ Underwriting review
6️⃣ Clear to Close
7️⃣ Closing Day

My job is to guide clients through every step so there are no surprises!

06/02/2026

⭐⭐⭐⭐⭐

Reviews like this are a big part of my WHY!

Helping clients achieve homeownership is always the goal, but making the process smooth, stress-free, and enjoyable is just as important. A huge thank you for the kind words and for trusting my team and I throughout the journey.

Congratulations on your new home, and thank you for allowing us to be a part of it!

05/29/2026

In and out of underwriting in less than 24 hours! Now we go to work!

05/28/2026

A lot of buyers focus only on the purchase price…

But two homes at the SAME price can have very different monthly payments because of taxes.

Example:
🏠 House A → $450k with low taxes
🏠 House B → $450k with high taxes
The payment difference could easily be a few hundred dollars per month.

This is why I always recommend buyers send me homes BEFORE touring them so we can run real numbers.

05/28/2026

🚨 CLEARED TO CLOSE 🚨

Our contract closing date was set for July, but because my clients were fully prepared from day one, we are officially Clear to Close ahead of schedule and ready to close a month early!

Preparation + communication + ex*****on = smooth closings.

Huge congratulations to my buyers!