Kim Verros - Guild Mortgage

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Kim Verros - Guild Mortgage Kim Verros - Loan Originator NMLS # 2119125
Guild Mortgage; Equal Housing Opportunity, NMLS 3274 (www.nmlsconsumeraccess.org/).

All loans subject to underwriter approval; terms and conditions apply. Subject to change without notice. Helping others has always been a passion of mine. After 25 years in marketing, I decided to make a move to a career where I can meet new people, build relationships and make a bigger, more personal impact. A little about me: I love traveling, trying new restaurants and care about health and wellness. Having fun exploring our National Parks and seeing what our country has to offer right in our backyard. Would love to hear about a restaurant recommendation you have so I can add it to my list! With Guild Mortgage, I will be able to help ensure my clients are supported through the mortgage process when purchasing a home, investment properties or refinancing to meet their needs. Contact me to start a conversation. NMLS #2119125; I am authorized to do business in the states of Florida, Iowa, Minnesota and Wisconsin. Guild Mortgage Company; Equal Housing Opportunity; NMLS 3274 (www.nmlsconsumeraccess.org/). For more licensing information, please visit www.guildmortgage.com/licensing

Fixed-rate or adjustable, it's one of the first forks in the road when choosing a loan, and there's no universal right a...
10/19/2026

Fixed-rate or adjustable, it's one of the first forks in the road when choosing a loan, and there's no universal right answer.

A fixed rate offers predictability for the life of the loan. An ARM can start lower, but it adjusts later based on the market.

The right fit really comes down to how long you plan to stay put.

If you're paying Private Mortgage Insurance (PMI), it's easy to assume it's just a permanent part of your payment. It's...
10/16/2026

If you're paying Private Mortgage Insurance (PMI), it's easy to assume it's just a permanent part of your payment. It's usually not.

Once you've built enough equity, most conventional loans allow it to be removed which can mean a real drop in your monthly payment.

If it's been a while since anyone checked your numbers, this might be worth five minutes.

When people picture this job, they usually picture spreadsheets and rate sheets.What they don't picture is how much of i...
10/15/2026

When people picture this job, they usually picture spreadsheets and rate sheets.

What they don't picture is how much of it is just listening to the nerves, the excitement, the version of "home" someone's been picturing for years.

The numbers matter, but they come second.

Ever wonder why your mortgage payment is more than just principal and interest? For most buyers, an escrow account is pa...
10/12/2026

Ever wonder why your mortgage payment is more than just principal and interest? For most buyers, an escrow account is part of it.

It sets aside a portion of your property taxes and homeowners insurance every month, then pays them on your behalf when they come due no surprise bills, no scrambling in April.

If you've ever wanted your own breakdown explained plainly, that's an easy conversation to have.

One of the biggest reasons people put off even starting the conversation is assuming their credit "isn't good enough."Th...
10/02/2026

One of the biggest reasons people put off even starting the conversation is assuming their credit "isn't good enough."

The truth is, there's a wider range of qualifying credit scores than most people expect.

The only way to know for sure is to actually look at your numbers.

Early in my career, someone told me something that's stuck with me ever since: slow down enough to actually listen. Peop...
10/01/2026

Early in my career, someone told me something that's stuck with me ever since: slow down enough to actually listen. People remember how you made them feel, not just the paperwork.

It sounds simple, but it's easy to forget in a job full of numbers and deadlines. I try to carry it into every client relationship.

VA loans remain one of the most powerful mortgage benefits available 0% down, no PMI, and competitive rates for eligible...
09/30/2026

VA loans remain one of the most powerful mortgage benefits available 0% down, no PMI, and competitive rates for eligible veterans and active-duty service members.

If you've served, or you know someone who has, it's worth understanding what this benefit could mean for your homeownership goals.

Whether we are in a competitive market or not, the pre-approval letter attached to an offer carries weight.A clear, accu...
09/28/2026

Whether we are in a competitive market or not, the pre-approval letter attached to an offer carries weight.

A clear, accurate, well-communicated pre-approval can make a real difference in how an offer is received on the other side.

It's a small detail that's worth getting right every time.

If you're self-employed, a 1099 professional, or a consultant, your tax returns don't always reflect what you actually b...
09/25/2026

If you're self-employed, a 1099 professional, or a consultant, your tax returns don't always reflect what you actually bring in.

The Bank Statement Loan program looks at your bank statements instead, so deductions and write-offs don't stand in the way of qualifying.

If this sounds like your situation, let's see what your options look like.

Address

4388 France Avenue S, Ste 250
Edina, MN
55410

Opening Hours

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

Telephone

+16123868444

Website

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