Tim Kerley, Loan Consultant in Hickory, NC NMLS #448270

08/30/2026

08/29/2026

Pulled these two out of the archives recently. 🙂

I did this program years ago, and I’ve been revisiting it lately. Surprisingly, a lot of it holds up pretty well.

The basic idea is pretty simple: eat lots of small meals throughout the day, eat healthy foods, get plenty of protein, and follow a strength training and cardio plan that doesn’t take tons of time.

Cons: unless you use a lot of pre-made bars and shakes, it does take some planning and prep work. Also, there are a lot of references to non-fat EVERYTHING - back before we knew fat was actually good for us, right?🤣 (Remember SnackWells?)

Anyway, the program does actually work if you commit to it.

Anybody else remember the Body for Life program from back in the day?

08/29/2026

5.0 star review received on Experience.com for Tim Kerley by John M - Attention to detail and his time he spends explaining every step of the process.

Read more: https://experience.com/reviews/tim-kerley-346512/da977c0b-d770-4f45-b537-6d6da7b98708?V=1788028784&utm_source=facebook&utm_medium=autopost&utm_content=13473622

08/28/2026

Your mortgage payment is more than just principal and interest.

Depending on the loan and how your account is set up, taxes, homeowners insurance, and mortgage insurance may also be part of that monthly number.

That’s why it’s important to focus on the total monthly payment rather than just the interest rate or loan amount.

The payment is what ultimately has to fit the budget.

08/27/2026

Waiting for mortgage rates to drop can sound like the safe move.

But there’s another side to that decision.

If rates come down, more buyers may come back into the market. That could mean more competition, fewer choices, and potentially higher home prices.

And while you’re waiting, home values, rent, and your own circumstances can change too.

That doesn’t mean everyone should buy right now.

It just means the decision shouldn’t be based on the interest rate alone.

Sometimes the better question isn’t “where will rates be six months from now?”

It’s “do the numbers make sense for me today?”

That’s a question we can actually answer. 🏡

08/26/2026

Sometimes the mortgage process goes exactly according to plan.

And sometimes you have to find a solution right before closing. 😅

Grateful for your trust and thanks for the kind words, Carol! ⭐️⭐️⭐️⭐️⭐️

08/25/2026

If buying a home feels out of reach right now, you may have more options than you realize.

Maybe you’re worried about the down payment. Maybe you’re not sure your credit is good enough. Maybe today’s rates and home prices have you wondering whether the numbers could possibly work.

Those are all fair questions.

But before deciding that homeownership isn’t possible, it’s worth finding out what YOUR numbers actually look like.

There may be down payment assistance available. There may be loan options you haven’t heard about. Or you may discover that you’re closer than you thought even if you’re not quite ready today.

And sometimes the answer really is, “not yet.”

That’s okay too. Then we can figure out what needs to happen between now and when you’re ready.

You don’t have to be ready to buy a house to start the conversation. 🏡