Kristy Lynn Grams, Senior Loan Officer NMLS# 302452

09/07/2026

Happy Labor Day! Today, we celebrate the hard work, dedication, and perseverance that turn the dream of homeownership into a reality. We hope you enjoy a truly wonderful and well-deserved day of rest, relaxation, and quality time in the place that matters most—your home. 🎉

09/01/2026

📊 MARKET PERSPECTIVE: Gen Z Is Entering the Housing Market

The next generation of homebuyers isn’t waiting on the sidelines. Gen Z is becoming a growing force in today’s housing market, with younger buyers representing an increasing share of purchase activity.

And they’re finding creative ways to make homeownership work. From personal savings and family assistance to non-savings sources, today’s buyers are using multiple strategies to put together their down payment.

At the same time, buyers are navigating higher rates, more inventory and a little more negotiating room than we’ve seen in recent years.

🏡 The takeaway? There isn’t one “right” path to homeownership. Understanding your financing options can make all the difference.

Check out this month’s Market Perspective for a closer look at what today’s numbers are telling us.

09/01/2026

5.0 star review received on Experience.com for Kristy Grams by Khin L - Ms.Kristy is really helpful and she helped me with all the documents and explains in details. Thank you Ms. Kristy for making home buying easier.

Click to see all 438 reviews of Kristy Grams, Senior Loan Officer | NMLS 302452

08/31/2026

🏡 More homes on the market could mean more room to negotiate.

Active inventory recently reached about 1.5 million homes, its highest level since May, while pending sales have slowed. That combination is giving some buyers more leverage than they’ve had in recent years.

If a home has been sitting on the market, buyers may have an opportunity to negotiate more than just the purchase price. Seller-paid closing costs, repairs, or a mortgage rate buydown could all potentially be part of the conversation.

The list price is the starting point. The right strategy could help you negotiate the deal—not just the house.

08/31/2026

Do you know your debt-to-income (DTI) ratio? 🤔🏡 Your DTI helps lenders understand how your monthly debt compares to your income. A lower ratio may give you more financial flexibility when purchasing a home. 📊

Ready to find out? Let's chat! 💻

08/31/2026

5.0 star review received on Experience.com for Kristy Grams by Stephen M S - The professionalism of Kristy was great to deal with and made the entire experience easy for us. Thanks

Click to see all 437 reviews of Kristy Grams, Senior Loan Officer | NMLS 302452

08/30/2026

08/29/2026

Would You Rather: Walkable City 🏙️ or Country House 🌳? Let’s talk mortgages. 💰

This decision is about more than the location. It’s about choosing a home that fits your lifestyle, finances, and long-term goals.

A city home may offer convenience, less exterior maintenance, and easier access to work, dining, and entertainment. However, buyers should also consider factors such as limited space, parking costs, and HOA fees.

A country home may provide more space, privacy, and land. However, it can also come with added responsibilities, including septic systems, well maintenance, repairs, and longer commutes.

There is no one-size-fits-all answer. The right choice is the one that fits your budget, priorities, and future plans. 🏡✨

Which would you choose: walkable city or country living? Let us know in the comments!

08/29/2026

5.0 star review received on Experience.com for Kristy Grams by Gabby R - Kristy is great!

Click to see all 436 reviews of Kristy Grams, Senior Loan Officer | NMLS 302452

08/28/2026

5.0 star review received on Experience.com for Kristy Grams by Abby M M - Kristy is super nice and easy to talk to. She's responsive. Knowledgeable. Trustworthy.

Click to see all 436 reviews of Kristy Grams, Senior Loan Officer | NMLS 302452