Karen Dunn Loans Done Right NMLS274439ht

Karen Dunn Loans Done Right NMLS274439ht I am a VP of Mortgage Lending NMLS 274439 at Guaranteed Rate Affinity NMLS 1598647. Equal Housing Opportunity At the heart of everything I do is my family.

In a world of online experts and push-button mortgages, I believe the human connection still matters. I believe there is never a one-size-fits-all solution when it comes to making one of the biggest financial commitments of your life. As your mortgage advisor, I am constantly expanding my knowledge and staying current on the latest mortgage and real estate trends so that I can offer you smart loan

options. My team and I will listen so we can provide you with individualized mortgage solutions, based on your unique circumstances and goals. As a seasoned mortgage professional since 1993, I have the experience needed to provide you with a seamless mortgage experience. My commitment to service stems from a deep concern for people and intensive training that goes well beyond state and federal requirements. I care for my clients like family and strive to provide you with a seamless mortgage experience from start to finish. My husband, John, and two kids, Katie and Jake are my big why in life. Although the empty nest is coming soon, we still enjoy our time together and they are the reason I strive to be the best at what I do. My employment with Guaranteed Rate Affinity affords me the opportunity to help my borrowers on every level. Let me show you why the human connection still matters.

09/04/2026

🎉 Happy Fabulous FIRST Financial Friday of September! 🇺🇸🏡
Labor Day Weekend is here! ☀️🍔💦 While you’re enjoying BBQs and pool parties, you might also be out house hunting! 👀🏠
Good news — I’m staying local and available ALL weekend! 🙋‍♀️
Need a pre-approval, updated numbers, or want to make an offer? Call or text me — I’ve got you covered! 📲
Because dream homes don’t take holiday weekends off… and neither do I! 😉🏡
GetTheJobDUNN

08/31/2026

🔨 Happy Monday Hack of the Week! 🖼️
Ever struggle to get that picture frame wire onto the nail? 😩 Here’s an easy peasy trick!
🍴 Grab a fork and slide it upside down between the nail and the wall. The fork acts as a little guide, helping the wire slide right down onto the nail. Once it’s hooked—pull the fork out and VOILA! Your frame is hung! 🙌
🏡 And just like that fork helps guide your frame into the right spot, having the right lender helps guide you through the mortgage process. 😉
Buying, refinancing, or just wondering what your options are? I’m here to help you get it DUNN! 🏠🔑
GetItDUNN MortgageMadeEasy WhoYouWorkWithMatters HomeSweetHome

08/28/2026

💰🏡 Happy Fabulous Financial Friday!
Let’s talk Mortgage Insurance (MI) — because it’s not always a bad thing! 🙌
There are several ways MI can be structured:
💵 Monthly
💵 Single premium
💵 Lender-paid
💵 Split premium
Your cost is based on things like loan amount, loan-to-value and credit score.
🎉 BONUS: Starting with your 2026 taxes, qualifying mortgage insurance is tax deductible again! YAY!
And here’s something you may not know… 👀 Sometimes putting LESS than 20% down and paying MI for a short period can actually get you a better interest rate!
So don’t automatically assume 20% down is your best option.
📲 Let me run ALL the scenarios for you so we can see which one saves you the most money.
Because in mortgages, the numbers matter—and who you work with matters! 🏡❤️
TheHelpfulLO WhoYouWorkWithMatters GetTheJobDUNN

08/24/2026

🏡✨ Happy Monday Hack of the Week! ✨🏡
Today we’re tackling something that is definitely NOT glamorous…those outdoor garbage cans! 🗑️🤢
After trash day, once your cans have been emptied, sprinkle a little cinnamon and cayenne pepper in the bottom. 🌶️✨ It can help mask some of those lingering odors and make opening that lid a little more bearable! 🙌
And just like your garbage cans, sometimes your mortgage situation needs a little freshening up too! 😂🏡
Maybe your current loan doesn’t fit anymore, you’re carrying some high-interest debt, or you’re thinking about buying your next home. A quick mortgage review might uncover some options you didn’t even know were available.
Freshen up the garbage cans…and while you’re at it, let’s freshen up your mortgage plan! 😎
Give your favorite Helpful LO a call and let’s chat! 📲🏡
Homeownership GetTheJobDUNN WhoYouWorkWithMatters

08/21/2026

💰✨ Happy Fabulous Financial Friday! ✨💰

Today we’re talking about a loan option that can be a GAME CHANGER for borrowers who are asset rich but income light — the Asset Depletion Loan! 🏡
Instead of relying solely on traditional monthly income, this program allows us to use eligible assets to help calculate qualifying income.
🔥 And here’s the BIG update:
The guidelines recently changed so we can now divide eligible assets by 180 months instead of 360 months — potentially giving us TWICE the qualifying monthly income from those assets! 🙌
That could open the door for buyers who have significant savings or investments but don’t show enough traditional income to qualify the usual way.
Sometimes getting a loan approved is about knowing which options are out there — and finding the one that fits YOUR financial picture. 💡
Think this might work for you or someone you know? Let’s chat and run the numbers! 📲🏠

HomeBuyers TheHelpfulLO WhoYouWorkWithMatters GetTheJobDUNN

08/14/2026

💰✨ Happy Fabulous Financial Friday! ✨💰

As we get deeper and deeper into the world of technology and AI 🤖, there’s one thing we can’t afford to lose along the way…
❤️ The HUMAN connection.
Absolutely, we need to embrace technology — I use it every day to make the mortgage process faster, easier and more efficient. But when you’re making one of the biggest financial decisions of your life, relationships still matter.

One of my favorite parts of this job is getting to know my buyers — hearing their stories, understanding why they’re buying, and seeing the impact that a new home can have on their lives. 🏡❤️
Because your mortgage isn’t just numbers on a screen. It’s YOUR story.

So if you’d rather not work with a BOT that doesn’t know your individual situation, give me a call! 📲

I believe the best experience comes from blending the convenience of technology with a good old-fashioned HUMAN TOUCH. 🙋‍♀️💻❤️
Because even in the age of AI… who you work with still matters!

MortgageExpert HomeLoans HomeBuyers MortgageMadePersonal GetTheJobDUNN

08/10/2026

🌱🥄 Happy Monday Hack of the Week! 💦
Today we’re really spoon-feeding you a good one! 😂
If your watering can comes out a little too aggressive, grab an ordinary kitchen spoon and tape or zip-tie it to the end of the spout.
The water hits the spoon and spreads out into a nice, gentle spray instead of blasting your poor little plants and digging craters in the soil. 🌿💦
Who knew a SPOON could solve the problem?! 🥄
🏡 And speaking of not needing anything fancy to make things work…
Sometimes your mortgage just needs a little creativity too! Maybe it’s a different loan program, a seller credit, a temporary buydown, or another financing strategy you didn’t even know existed.
You don’t always need a bigger watering can…sometimes you just need The Helpful LO with a few tricks up her sleeve! 😉🏡
Have a mortgage scenario you can’t quite figure out? Spoon-feed it to me 😂 and let’s see what we can come up with!
MortgageTips TheHelpfulLO GetTheJobDUNN WhoYouWorkWithMatters EasyPeasy

08/07/2026

🎉 Happy Fabulous FIRST Financial Friday of August! 🎉
Let’s kick off the month with some exciting news! 🙌
✨ Introducing our NEW FMI (Forget MI) Program! ✨
Yep...you read that right! You may be able to buy a home with as little as 3% down and NO monthly mortgage insurance! 🤯🏡
Here’s what you need to qualify:
✅ Purchase loan
✅ As little as 3% down
✅ At least one borrower must be a first-time homebuyer
✅ Minimum 660 credit score
✅ Household income at or below 80% of the Area Median Income
📍For Sacramento County, that’s $99,520.
💰 Here’s a real-world example on a $400,000 home:
🏠 FMI Program: Approx. $3,121/month
🏠 Conventional with MI: Approx. $3,140/month
🏠 FHA: Approx. $3,121/month
The payment may be very similar, but the BIG advantage is having another financing option! Some sellers prefer conventional financing, and some homes may not qualify for FHA because of property condition. This program gives buyers more flexibility while avoiding monthly mortgage insurance. AND, all of your interest on the payment is tax deductible!
Every buyer’s situation is different, so let’s see if this program is the right fit for you!
📩 Send me a DM to see if you qualify or if you’d like all the details. I’d love to help you get into your next home!
SacramentoRealEstate HomeBuyingTips MortgageOptions LowDownPayment MortgageLender TheHelpfulLO GetQualified Homeownership GuaranteedRateAffinity

08/03/2026

🌭 Monday Hack of the Week! 🌭
Nothing says summer like a trip to the ballpark...but have you ever loaded up your hot dog with ketchup, mustard, relish (or ALL of the above 😉), wrapped it up to carry back to your seat, and then unwrapped a complete condiment disaster? 🤦‍♀️
💡 Here’s the hack: Before you wrap it up, simply twist the hot dog so the toppings are facing down into the bun. The bun helps hold everything in place, and when you unwrap it, you’ll have way less mess and a lot more hot dog! 🌭🙌
🏡 Mortgage Tie-In: Just like that little twist keeps everything together, having the right lender from the very beginning keeps your home-buying journey from becoming a messy experience. A few small moves upfront can save you from big headaches later!
Whether you’re headed to the ballpark or house hunting this week, I’ve got you covered. ⚾🏠
What’s your must-have hot dog topping? 🌭👇
HomeBuyingMadeEasy WhoYouWorkWithMatters TheHelpfulLO GuaranteedRateAffinity HouseHunting

Address

Elk Grove, CA

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm
Saturday 9am - 7pm
Sunday 9am - 7pm

Telephone

+19162077050

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