Audia Kerswell - Mortgage Strategist

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Daytona Beach, FL
Audia Kerswell - Mortgage Strategist

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Ready to buy? Let’s unlock your future together.

Audia Kerswell, NMLS # 10238 (Glory Mortgage) With 20+ years of experience and a strong underwriting background, I help families, business owners and investors secure the right mortgage with confidence.

10/28/2026

Down payment help isn’t always free money, here’s how to tell 👇

➡️GRANT

Money toward your down payment or closing costs that usually does not have to be paid back.

Ask: Are there any conditions, like living in the home for a set time?

➡️FORGIVABLE LOAN

A loan that goes away over time if you follow the rules, usually by living in the home for a set number of years.

Ask: What happens if I sell or refinance before it’s forgiven?

➡️DEFERRED LOAN

No monthly payment now. The full amount comes due later, usually when you sell, refinance or pay off the mortgage.

Ask: When exactly is it due, and does the amount grow over time?

➡️SECOND MORTGAGE

A second loan with its own monthly payment, on top of your first mortgage.

Ask: What is the payment, and what does it do to my total monthly cost?

The one question to ask before you accept any of them:

“Do I ever have to pay this back, and if so, when?”

🕵️‍♂️Send me the name of the program you are looking at, and I will tell you in plain English which of these four it is.

— [Glory Mortgage, Audia Kerswell, NMLS 10238], your go-to mortgage broker

09/22/2026

Fall is here, and it’s the perfect season to explore new possibilities🍂.

09/19/2026

A name change usually does not stop a mortgage.

What can slow things down is when your documents make it look like two different people are applying.

Maybe your driver’s license has your married name, your bank account still has your maiden name, and last year’s W2 has the old one.

That is not automatically a problem.

But your lender may need to connect the dots.

Depending on what shows up in your file, you could be asked for something like a marriage certificate, court ordered name change, updated identification, or a simple explanation showing why the names are different.

One thing I would check early is where your money is coming from.

If the bank account you are using for your down payment or closing costs is still under your previous name, tell your lender before underwriting starts digging through statements.

Same goes for payroll.

If your paystub shows one name but your ID shows another, it is much easier to address that early than after someone asks for clarification three days before closing.

The goal is not to make every document identical overnight.

The goal is to make your paper trail easy to follow.

Recently married or changed your name?

Before you apply, pull out your ID, latest paystub, W2, bank statements and purchase documents and see whether the names line up.

A five-minute check now can save a very annoying email chain later.

Save this for mortgage prep.

Send it to the newlywed who is already changing their name everywhere.

09/16/2026

A home can look ready for your move while the legal and financing timeline says otherwise.

Audia Kerswell, NMLS 10238
audiakerswell.com | Direct: 561-800-6011
Glory Mortgage LLC, NMLS 2123511
Equal Housing Opportunity
If tenants already occupy the property, the lease may continue after the sale. At the same time, an owner-occupied loan may have requirements about when the buyer must move in.

That overlap needs to be understood before the offer, not discovered after it.

Review the lease.

Confirm the loan requirements with your mortgage professional.

Ask a qualified local attorney about tenant rights and removal timelines.

09/15/2026

Mortgage Terminology for Beginners🤓.What does PUD mean?

09/14/2026

Some of the best mortgage work is invisible.

It is the deposit explained before it becomes a question. The document updated before it expires. The debt discovered before an offer is written.

A buyer may never see the problem because someone was looking for it early.

That is the kind of quiet preparation that protects a closing.

Audia Kerswell, NMLS 10238
audiakerswell.com | Direct: 561-800-6011
Glory Mortgage LLC, NMLS 2123511
Equal Housing Opportunity

09/09/2026

Here’s the simplest way to route common homebuying questions:

1. Ask your realtor about the property, offer, negotiations, inspection strategy and transaction timeline.

2. Ask your mortgage professional about qualification, loan options, payment estimates and financing documents.

3. Ask the title company or attorney about ownership records, title issues, closing documents and legal questions within their role.

4. Ask your insurance professional about coverage, premiums, deductibles and insurability.

A strong team coordinates closely without pretending every question belongs to one person.

Save this contact map for later.

Audia Kerswell, NMLS 10238
audiakerswell.com | Direct: 561-800-6011
Glory Mortgage LLC, NMLS 2123511
Equal Housing Opportunity

09/08/2026

Mortgage Terminology for Beginners🤓. What does FICO stand for?

09/07/2026

Relax and Reset..Labor Day 2026!

09/06/2026

✔️You can admire the destination.

✔️You can picture the kitchen.

✔️You can even decide where the couch will go.

But without a financing plan, you are still standing at the airport without a ticket. 😪

Share this with someone that needs a pre-approval. ✔️✔️✔️✔️✔️

Address

211 E International Speedway Boulevard
Daytona Beach, FL
32118

Telephone

+13367011186

Website

http://audiakerswell.com/

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