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

06/12/2026

Learning Instagram Edits with some awesome local agents. 😎

Thanks to everyone who came out for the June Power Lunch.

Now let’s go create something!

06/11/2026

5.0 star review received on Experience.com for Tim Kerley by Lynn N - Questions were answered in a timely manner, communication was quick and

Click to see all 284 reviews of Tim Kerley, Senior Mortgage Advisor

06/09/2026

5.0 star review received on Experience.com for Tim Kerley by Valerie W - My team communicated with me and answered my questions.

Click to see all 283 reviews of Tim Kerley, Senior Mortgage Advisor

06/04/2026

Can’t find the right home on the market?

You may not have to settle.

With an FHA One-Time Close Construction loan, eligible buyers may be able to build a new home with as little as 3.5% down. 🏡

And here’s something many people don’t realize…

This can also be an option for manufactured and modular homes.

Instead of spending months searching for the perfect house, it may be worth exploring whether building is the better path.

DM me “BUILD” if you’d like more information or want to see if this could work for you.

06/01/2026

One of the biggest concerns homeowners have when moving is the thought of making two mortgage payments at the same time.

In some situations, a bridge loan may help eliminate that concern.

Comment “BRIDGE” and I’ll send you more information.

06/01/2026

Have a great Monday!

05/29/2026

Most homeowners assume they have to sell their current home before buying the next one.

In some situations, a bridge loan may provide another option.

If you’ve found the right house, but the timing isn’t lining up with the sale of your current home, let’s talk through the possibilities.

Comment “BRIDGE” and I’ll send you more information.

05/22/2026

5.0 star review received on Experience.com for Tim Kerley by Aleta R - Tim was always available and explained the process.

Click to see all 282 reviews of Tim Kerley, Senior Mortgage Advisor

05/22/2026

Buying a home today is competitive…and a basic preapproval may not always be enough.

That’s why I love being able to offer the Fairway Cash Guarantee to eligible borrowers.

Here’s the short version:

✅Stronger offer positioning
✅More confidence for sellers
✅No additional cost to the borrower

If financing delays prevent closing by the contract date, Fairway may either:

• purchase the home directly, OR
• pay the seller $10,000 and terminate the contract

It’s one more way to help buyers compete with confidence in today’s market.

DM “CASH” if you’d like to learn how this works and whether it could help with your next home purchase.