Kimberley Weflen - Senior Loan Officer - NMLS # 1740821

11/03/2026

Many veterans and service members are surprised to learn they may qualify to buy a home with no down payment and no monthly PMI. Let's discuss what benefits may be available to you.

11/01/2026

Pre-qualified and pre-approved sound similar, but they serve different purposes. A pre-qualification is based on information you provide, while a pre-approval includes a review of your income, assets, and credit. If you're planning to start house hunting, a pre-approval can help you shop with confidence and show sellers you're serious.

10/31/2026

Happy Halloween!
Wishing you and your family a fun and safe night of trick or treating.

While you’re out and about tonight, here’s a fun one to consider: would you buy a house with a “friendly ghost” next door?

Turns out quiet neighbors have their perks.

If you’re hunting for your own (haunted or not) dream home, I’m here to help make the process a treat, not a trick.

10/30/2026

The Federal Reserve held policy rates steady at its October meeting. While the Fed acknowledged continued economic resilience, a stable labor market, and ongoing inflation concerns, mortgage rates are influenced by many factors beyond the Fed's decisions.

If you've been waiting for rates to change, it's important to remember that market conditions can shift quickly. Rather than trying to time the market, consider whether buying now makes sense for your individual goals and budget.

Read this month's market update on my website to learn more.

10/29/2026

Don’t forget to fall back this weekend! Daylight saving time ends in most areas Sunday, November 1. Turn clocks back one hour before bed Saturday night and enjoy the extra hour!

10/28/2026

Did you know a mortgage payment typically includes more than principal and interest? Property taxes, homeowner's insurance, and in some cases mortgage insurance may also be included.

10/27/2026

What if you could ease into your mortgage payment instead of starting at the full amount right away? 🏡

That's where a 𝐭𝐞𝐦𝐩𝐨𝐫𝐚𝐫𝐲 𝐫𝐚𝐭𝐞 𝐛𝐮𝐲𝐝𝐨𝐰𝐧 comes in!

Let's look at a 2-1 Buydown to see how it works:

→ 𝐘𝐞𝐚𝐫 𝟏: Your interest rate is temporarily reduced by 2%.

→ 𝐘𝐞𝐚𝐫 𝟐: Your interest rate is temporarily reduced by 1%.

→ 𝐘𝐞𝐚𝐫 𝟑 𝐚𝐧𝐝 𝐛𝐞𝐲𝐨𝐧𝐝: Your payment is based on your full note rate.

The best part? In this market, the sellers will potentially pay for the buydown as part of your purchase agreement.

It's not the right fit for everyone, but it can be a great option to explore if you'd appreciate a little breathing room during your first two years of homeownership.

Curious what this could look like for you?
Let's run the numbers and see if it makes sense!

10/26/2026

“But you’re just a mortgage lender…”

If only you knew how many hats we wear. 😂

Part therapist, part math genius, part referee, part fortune teller, part cheerleader… and everything in between.

Because getting you home takes a whole lot more than just getting you a loan. 🏡

10/26/2026

October is National Financial Planning Month, making it the perfect time to review your retirement goals and financial future. From understanding retirement income sources to evaluating housing costs and debt, a few simple planning steps today can help you feel more prepared for tomorrow.

10/23/2026

Mortgage rates held steady during the week ending October 23, 2026, despite rising oil prices and continued volatility in the bond market. Granite Bank is an Equal Housing Lender.

Markets in a Minute